In Maine, the type of car you drive can significantly affect your auto insurance premiums. Insurance companies take into account more than the make and model, they also factor in crash-test ratings, theft rates, safety features and average repair expenses. Other factors, such as your age and driving history, also play a key role in determining your premiums.
We’ve put together a list of the vehicles with the lowest insurance costs in Maine by make, model and vehicle type. Whether you drive a sedan, SUV, sports car, electric vehicle (EV) or any other luxury model, you’ll find the most affordable car insurance rates for each category below.
Ranked: The cheapest cars to insure in Maine
Our analysis shows that the Hyundai Venue and the Honda HR-V have the lowest average insurance costs in Maine, with Chevrolet TrailBlazer and Hyundai Kona close behind.
Below, you’ll find a breakdown of the cheapest cars to insure in Maine and their average six-month full coverage insurance premiums.
| Car make-model | Average six-month premium |
|---|---|
| Hyundai Venue | $588 |
| Honda HR-V | $610 |
| Chevrolet TrailBlazer | $623 |
| Hyundai Kona | $641 |
| Kia Niro Hybrid | $649 |
| Chevrolet Express | $652 |
| Kia Seltos | $659 |
| Ford Escape Hybrid | $660 |
| Ford Escape | $663 |
| Chevrolet Trax | $664 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Maine
Auto insurance rates differ based on the type of vehicle. Typically, Van models have the lowest premiums, while Performance Car tend to cost the most to insure.
Whether you drive a sedan or a luxury vehicle, we’ve crunched the numbers to find out which models cost the least to insure by vehicle type and their average six-month full-coverage premiums.
Cheapest sedans to insure in Maine
According to our data, the Nissan Versa is the cheapest sedan to insure, with an average six-month full coverage premium of $736. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Subaru Legacy ranks second on our list with an insurance cost of $749, followed by Kia Forte, which costs $756 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in Maine and their average full coverage six-month rates.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Nissan Versa | $736 |
| Subaru Legacy | $749 |
| Kia Forte | $756 |
| Volkswagen Jetta | $774 |
| Hyundai Elantra | $786 |
| Nissan Sentra | $786 |
| Chevrolet Malibu | $789 |
| Honda Civic Sedan | $797 |
| Honda Accord | $803 |
| Mitsubishi Mirage G4 | $823 |
| Toyota Corolla | $827 |
| Toyota Camry | $835 |
| Mazda 3 Sedan | $841 |
| Kia K5 | $855 |
| Hyundai Sonata | $857 |
| Nissan Altima | $868 |
| Volkswagen Jetta GLI | $882 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Maine
In Maine, the Honda HR-V and Chevrolet TrailBlazer are some of the most affordable SUVs to insure with an average six-month full coverage cost of $610 and $623 respectively. See the table below for the complete list of affordable SUVs to insure.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda HR-V | $610 |
| Chevrolet TrailBlazer | $623 |
| Hyundai Kona | $641 |
| Kia Seltos | $659 |
| Ford Escape | $663 |
| Chevrolet Trax | $664 |
| Honda CR-V | $667 |
| Kia Sportage | $673 |
| Mazda CX-5 | $675 |
| Mazda CX-30 | $681 |
| Chevrolet Equinox | $685 |
| Subaru Forester | $689 |
| Jeep Compass | $690 |
| Kia Sorento | $693 |
| Kia Soul | $695 |
| Volkswagen Taos | $695 |
| Volkswagen Tiguan | $695 |
| Hyundai Tucson | $700 |
| Buick Encore GX | $704 |
| Subaru Crosstrek | $707 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Maine
Sports cars often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Mazda MX-5 Miata, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $820.
The table below highlights the average six-month full coverage cost of various sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $820 |
| Chevrolet Camaro | $909 |
| Honda Civic Si | $992 |
| Ford Mustang | $1,054 |
| Nissan Z | $1,064 |
| Toyota GR Supra | $1,101 |
| Subaru BRZ | $1,102 |
| Subaru WRX | $1,124 |
| Toyota GR86 | $1,148 |
| Porsche 718 Cayman | $1,177 |
| Toyota GR Corolla | $1,191 |
| Porsche 718 Boxster | $1,195 |
| BMW Z4 | $1,198 |
| Honda Civic Type R | $1,210 |
| Chevrolet Corvette | $1,271 |
| Chevrolet Camaro ZL1 | $1,376 |
| Jaguar F-Type | $1,633 |
| Chevrolet Corvette Z06 | $1,732 |
| Porsche 911 GT3 | $1,829 |
| Porsche 911 | $1,865 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Maine
Luxury cars are also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Acura RDX is the cheapest luxury car to insure, with an average cost of $790 for a full coverage six-month policy. It is followed by the Volvo XC40 ($797) and Mercedes-Benz GLB-Class ($827).
The table below shows the full coverage six-month average premiums for different luxury vehicles with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $790 |
| Volvo XC40 | $797 |
| Mercedes-Benz GLB-Class | $827 |
| Lincoln Corsair | $839 |
| Mercedes-Benz GLA-Class | $842 |
| Cadillac XT4 | $846 |
| Audi Q3 | $848 |
| Acura MDX | $855 |
| Mercedes-Benz GLC-Class | $859 |
| Acura Integra | $863 |
| Lexus RX | $864 |
| Lexus NX | $871 |
| BMW X1 | $885 |
| BMW X3 | $887 |
| Alfa-Romeo Tonale | $891 |
| Cadillac XT5 | $891 |
| Cadillac XT6 | $896 |
| BMW X2 | $897 |
| Volvo XC60 | $907 |
| Jaguar E-Pace | $920 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Maine
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $2,073 annually, which breaks down to $173 monthly.
The table below highlights the most affordable EVs to insure in Maine, including their average six-month full coverage premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Kia Niro EV | $671 |
| Mini Cooper Electric | $688 |
| Hyundai Kona Electric | $693 |
| Nissan Leaf | $778 |
| Volkswagen ID.4 | $802 |
| Hyundai Ioniq 6 | $805 |
| Chevrolet Silverado EV | $809 |
| Hyundai Ioniq 5 | $812 |
| Kia EV6 | $828 |
| Ford F-150 Lightning | $861 |
| Audi Q4 e-tron | $875 |
| Toyota bZ4X | $890 |
| Chevrolet Blazer EV | $907 |
| Volvo XC40 Recharge | $915 |
| Subaru Solterra | $934 |
| Ford Mustang Mach-E | $944 |
| Mercedes-Benz EQB | $966 |
| Cadillac LYRIQ | $1,016 |
| Volvo C40 Recharge | $1,018 |
| Nissan Ariya | $1,033 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Maine
Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.
An 18-year-old driver can expect to pay $2,307 to insure a Hyundai Venue, while insuring a Chevrolet TrailBlazer costs $2,356 for a six-month full coverage policy for 18-year-olds.
The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
Insurance rates vary significantly based on the car you drive, but other factors, such as where you live, your driving record and the coverage level you choose, are also important. Our guide will help you choose a vehicle that not only suits your lifestyle but is affordable to insure.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Maine?
Electric cars are usually more costly to insure than traditional gas-powered vehicles. However, some EVs are affordable when compared to similar models with gas engines.
For instance, a six-month full coverage policy for a Kia Niro EV costs $671, whereas the cost of insuring a Mini Cooper Electric is $688 for the same coverage.
Which SUVs are the cheapest to insure in Maine?
With an average six-month full coverage premium of $610, the Honda HR-V is one of the least expensive SUVs to insure in Maine. Chevrolet TrailBlazer and Hyundai Kona also offer affordable premiums to Maine drivers.
What are the cheapest cars to insure for teen drivers in Maine?
The Hyundai Venue, Chevrolet TrailBlazer, Honda HR-V and Kia Seltos are some of the cheapest cars to insure for 18-year-olds in Maine. However, insuring models such as the Maserati Quattroporte, Maserati Ghibli and Porsche 911 Turbo can be significantly more expensive due to higher risk factors.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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