The cheapest full coverage car insurance in Maine is $59 , saving you $39 compared to the average cost of insurance in the state, which is around $98 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Maine, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“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.
- Auto-Owners has the cheapest car insurance rates in Maine for full coverage at $59 a month among the companies analyzed by the team of CarInsurance.com.
- In Maine, drivers with clean driving records pay 33% less than drivers with a DUI.
- The city of Yarmouth has the lowest auto insurance rates in Maine, with an average premium of $1,048 per year.
- You can save up to 40% per year on your car insurance policy in Maine by comparing price quotes from multiple insurers.
Which company offers the cheapest car insurance in Maine?
Auto-Owners offers the cheapest car insurance rates in Maine for a full coverage policy with an average premium of $59 per month or around $707 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Maine by different insurance carriers for a full coverage policy.
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.
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Who pays a lower insurance premium in Maine?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 8% less than single drivers.
- Maine drivers with clean records pay 33% less than drivers who have a DUI on their records.
- 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
In Maine, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| 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, you’ll see average annual rates for major insurance providers in Maine, ranked from cheapest to most expensive for 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 insurance providers for liability-only coverage in Maine
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Maine, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $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 policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and 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 shows the average annual rates from major insurance providers in Maine, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| 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
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.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Maine, drivers with a history of such violations typically pay $407 more annually than drivers with clean records.
Cheap car insurance 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 premiums in Maine after a DUI conviction
CarInsurance.com analyzed insurance rates for Maine drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $969 . Auto-Owners is the second-cheapest insurer at an average of $1,079 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 33% less than drivers with a DUI on their record.
| 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
If you’re a driver with an at-fault accident on your record, Auto-Owners is the cheapest option, offering car insurance at an average cost of $935 annually.
State Farm is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $1,052 .
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased 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.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Maine cities with the lowest auto insurance rates
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in Maine is Yarmouth, at $1,048 per year.
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.
Below is a list of cities in Maine with the lowest auto 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 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save on auto insurance in Maine?
Shopping around for car insurance quotes in Maine can help drivers save 40% annually on full coverage policies.
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 |
Final thoughts on cheap car insurance in Maine
Our research shows that Auto-Owners has the cheapest full coverage car insurance rates in Maine for individuals with a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Maine, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
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.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Maine