- According to recent data, Auto-Owners offers the cheapest full coverage car insurance in Maine at $59 per month.
- Maine drivers with a clean driving record pay 33% less for car insurance than drivers with a DUI.
- In Maine, the city of Yarmouth has the most affordable car insurance rates at $1,048 annually.
- Comparing price quotes from multiple insurers can help you save up to 40% per year on your car insurance policy in Maine.
You can find the cheapest full-coverage car insurance in Maine for $59 a month from Auto-Owners. It saves you $39 compared to the state average car insurance cost of $98 monthly.
Shopping for car insurance in Maine can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“Drivers looking to get the cheapest insurance premiums in Maine should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
Car insurance companies with cheap car insurance in Maine
Auto-Owners has the cheapest full coverage car insurance in Maine, at an average premium of $59 per month or around $707 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Maine. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in Maine per month
| Company | Full coverage monthly rates |
|---|---|
| Auto-Owners | $59 |
| Travelers | $71 |
| Progressive | $92 |
| Allstate | $96 |
| GEICO | $102 |
| State Farm | $105 |
| MMG Insurance | $122 |
| Frankenmuth Insurance | $124 |
| Farmers | $139 |
| USAA* | $69 |
Note: USAA is only available to military community members and their families.
Maine drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Married drivers pay 8% less than single drivers.
- Maine drivers with clean records pay 33% less than drivers who have a DUI on their record.
- Maine drivers in their 20s pay 55% lower rates for insurance than a 16-year-old in Maine.
- Adding a teen to your policy will cost you 61% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 28% less on their insurance premiums.
- Drivers insured for three or more years can save up to 12% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 5% for this state more on their premiums.
Cheapest insurers for different coverage levels in Maine
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Auto-Owners is the cheapest for a state minimum policy.
- Auto-Owners has the cheapest rates for a liability-only policy (50/100/50).
- Auto-Owners offers the cheapest car insurance for a full coverage policy (100/300/100) in Maine.
The numbers above (100/300/100) represent up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Maine
Maine requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $50,000/$100,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
Below are the average annual rates from major insurance companies in Maine, ranked from cheapest to the most expensive for the state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| Auto-Owners | $229 |
| Frankenmuth Insurance | $310 |
| Farmers | $310 |
| GEICO | $318 |
| State Farm | $328 |
| Travelers | $331 |
| MMG Insurance | $379 |
| Allstate | $458 |
| Progressive | $460 |
| USAA* | $232 |
Note: USAA is only available to military community members and their families.
Cheapest liability-only coverage in Maine
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in Maine, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Auto-Owners | $230 |
| Frankenmuth Insurance | $317 |
| Farmers | $322 |
| GEICO | $323 |
| Travelers | $332 |
| State Farm | $342 |
| MMG Insurance | $383 |
| Allstate | $458 |
| Progressive | $461 |
| USAA* | $237 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance companies in Maine for full coverage
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Maine based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| Company | Full coverage annual rates |
|---|---|
| Auto-Owners | $707 |
| Travelers | $853 |
| Progressive | $1,106 |
| Allstate | $1,147 |
| GEICO | $1,228 |
| State Farm | $1,262 |
| MMG Insurance | $1,461 |
| Frankenmuth Insurance | $1,492 |
| Farmers | $1,664 |
| USAA* | $827 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
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Cheapest auto insurance in Maine by driving history
Your driving history impacts insurance premiums in Maine, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Maine, drivers with a history of traffic violation pay an average of $407 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance rates in Maine after a speeding ticket
A speeding ticket can impact your Maine car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, Auto-Owners has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $743 a year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Auto-Owners | $647 | $743 | 15% | $96 |
| GEICO | $709 | $957 | 35% | $248 |
| State Farm | $886 | $969 | 9% | $83 |
| Travelers | $776 | $1,192 | 54% | $416 |
| Progressive | $996 | $1,355 | 36% | $359 |
| Allstate | $1,501 | $1,673 | 11% | $172 |
| Farmers | $2,125 | $2,828 | 33% | $703 |
| USAA* | $756 | $853 | 13% | $97 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance in Maine after a DUI conviction
State Farm offers the cheapest car insurance to Maine drivers with a DUI conviction at $969 per year and Auto-Owners has the second-cheapest insurance premiums at $1,079 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 33% less than those with a history of DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $886 | $969 | 9% | $83 |
| Auto-Owners | $647 | $1,079 | 67% | $433 |
| Progressive | $996 | $1,188 | 19% | $192 |
| Travelers | $776 | $1,245 | 60% | $469 |
| GEICO | $709 | $1,829 | 158% | $1,120 |
| Allstate | $1,501 | $2,049 | 37% | $549 |
| Farmers | $2,125 | $2,548 | 20% | $423 |
| USAA* | $756 | $1,534 | 103% | $778 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after an at-fault accident in Maine
Auto-Owners is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $935.
State Farm is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,052.
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| Auto-Owners | $647 | $935 | 45% | $288 |
| State Farm | $886 | $1,052 | 19% | $167 |
| GEICO | $709 | $1,137 | 60% | $428 |
| Travelers | $776 | $1,165 | 50% | $389 |
| Progressive | $996 | $1,695 | 70% | $699 |
| Allstate | $1,501 | $2,111 | 41% | $610 |
| Farmers | $2,125 | $3,230 | 52% | $1,105 |
| USAA* | $756 | $1,145 | 51% | $389 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Maine cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Yarmouth is the city with the lowest premiums in Maine at an annual auto insurance rate of $1,048.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of Maine cities with the lowest car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Yarmouth | $1,048 |
| Chebeague Island | $1,053 |
| Cumberland Foreside | $1,059 |
| Cumberland Center | $1,061 |
| Kennebunk | $1,062 |
| Biddeford | $1,065 |
| Presque Isle | $1,065 |
| Freeport | $1,070 |
| Easton | $1,072 |
| Cape Elizabeth | $1,074 |
Explore the top 10 factors that influence car insurance rates
How much can you save on car insurance in Maine?
By comparing car insurance quotes, you can save an average of 40% per year for a full coverage policy in Maine.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in Maine: Save on premiums
Maine drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Maine.
| Discount type | % difference | $ difference |
|---|---|---|
| Air bags | 1% | $8 |
| Anti-theft device | 1% | $10 |
| Daily commute | 6% | $73 |
| Days advanced purchase | 10% | $112 |
| Days per week driven | 5% | $55 |
| Education | 4% | $39 |
| Electronic funds transfer | 3% | $42 |
| Electronic signature | 10% | $112 |
| Homeowner | 5% | $71 |
| Lower annual mileage | 5% | $45 |
| Loyalty – years renewal with company | 14% | $166 |
| Marital status | 8% | $73 |
| Multi policy | 11% | $121 |
| Paperless/electornic documents | 3% | $43 |
| Payment type | 8% | $102 |
| Primary use | 7% | $76 |
| Profession | 16% | $184 |
| Safety devices | 3% | $41 |
| Telematics | 10% | $112 |
| Years insured | 12% | $181 |
| Years licensed | 26% | $562 |
The bottom line on cheap car insurance in Maine
Based on our research, if you are a good driver, Auto-Owners is the cheapest in Maine for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Maine is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
Resources &Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Maine for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 50/100/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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