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.
- Among the companies analyzed by CarInsurance.com, Auto-Owners stands out as the cheapest option for full coverage car insurance in Maine, with an insurance premium of $59 per month.
- Drivers in Maine with a clean record pay 33% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Maine is Yarmouth, with an annual premium of $1,048 .
- Maine drivers can save up to 40% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Which company offers the cheapest car insurance rates in Maine?
Based on data analysis by CarInsurance.com, Auto-Owners provides the cheapest full coverage auto insurance rates for Maine drivers at a monthly rate of $59 or $707 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Maine.
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 the lowest auto insurance premiums 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 Maine companies for different coverage levels
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.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of 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 coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as 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
The following table lists Maine’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| 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 full coverage in Maine
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
Cheapest car insurance in Maine, by driving history
Your driving history affects how much you pay for insurance in Maine because insurance companies use it to assess the risk associated with insuring 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
If you’ve got a speeding ticket on your Maine driving record and need affordable car insurance, Auto-Owners might be the answer. With an average annual rate of $743 , Auto-Owners offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Maine.
| 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
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.
If you have a clean record, you are likely to pay 33% less for car insurance than someone with a 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
The car insurance company with the cheapest driver rates after an at-fault accident is Auto-Owners, at $935 a year.
On the other hand, State Farm offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $1,052 .
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| 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 Cities with the lowest auto insurance rates in Maine
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 .
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
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
Average savings on car 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 |
The bottom line on cheap car insurance in Maine
Based on our findings, Auto-Owners provides the cheapest rates for a full coverage policy in Maine if you have 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:
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
Managing 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