- The average cost of car insurance in Maine is $1,175 a year or $98 per month, based on our data analysis.
- Minimum liability coverage in Maine costs around $335 annually for limits of 50/100/25, while liability-only coverage costs $341 per year for limits of 50/100/50.
- Auto-Owners provides the most affordable annual rates for full coverage car insurance in Maine, costing $707 per year.
- In Maine, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 26%, a DUI raising rates by 48%, and an at-fault accident by up to 49%.
The cost of car insurance in Maine varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Auto-Owners offers the cheapest rates at $707 a year for full coverage.
This guide makes buying car insurance in Maine easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to learn how car insurance works in Maine and how much you need.
How much is car insurance in Maine?
CarInsurance.com data found that drivers in Maine pay $98 monthly for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
See how rates change in Maine based on driver profile:
- Teen drivers in Maine pay the most — about $340 a month or $4,082 a year.
- Young drivers in their 20s pay an average of $179 monthly or $2,145 annually, for car insurance.
- Senior drivers pay around $94 monthly or $1,126 a year.
- A speeding ticket can increase your rates to $128 monthly or $1,533 annually.
- An at-fault accident increases car insurance rates to $144 a month or $1,731 a year.
- Poor credit drivers usually see their car insurance costs increase to $195 monthly or $2,337 annually.
Average cost of auto insurance in Maine by coverage level
Car insurance costs in Maine can differ based on the coverage limit. To legally drive, Maine residents must adhere to the minimum liability limits of 50/100/25.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Maine. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Maine car insurance costs for three different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $28 | $335 |
| Liability Only – 50/100/50 BI/PD | $28 | $341 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $98 | $1,175 |
State minimum car insurance in Maine
Maine laws mandate that all drivers carry insurance with minimum liability limits of $50,000 for bodily injury liability per person, $100,000 for bodily injury liability per accident and $25,000 for property damage liability.
In Maine, you can get state minimum car insurance for $335 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Maine must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Maine
Liability-only car insurance costs $341 in Maine for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Maine
In Maine, you can expect to pay around $1,175 per year for full coverage car insurance for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Maine
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
As a result, residents in higher-risk neighborhoods in Maine pay more for premiums than those in lower-risk areas.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Calculate car insurance rates by ZIP code in Maine
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Liability - Minimum)
Speak with a friendly agent and get your quote in minutes!
Estimate car insurance in Maine by car model
Car insurers in Maine use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much car insurance costs for your car make and model in Maine.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Maine
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Car insurance companies know teen drivers are less experienced and riskier to insure. Maine drivers aged 30 to 60 have the lowest average auto insurance rates at $1,166 annually.
Car insurance for drivers aged 16-19 costs $2,916 more annually than Maine drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $4,082 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,029 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,166 per year in Maine.
- For senior drivers: Drivers age 65 and older can expect to pay $1,126 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Maine
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Maine can increase your premiums by up to 48% because insurers see you as a risky driver.
If you get caught speeding in Maine, your car insurance rates will increase by 26% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here’s a breakdown of how much your car insurance rate goes up in Maine following driving incidents:
- Speeding ticket: Up to 26% increase
- DUI conviction: 48% increase
- At-fault accident (bodily injury and property damage): 49% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in Maine for high-risk drivers
In Maine, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Maine
In Maine, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Start your search for the best car insurance policy in Maine by getting quotes from several insurers for comparison.
Below are the details of Maine car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Auto-Owners | $229 | $230 | $707 |
| Travelers | $331 | $332 | $853 |
| Progressive | $460 | $461 | $1,106 |
| Allstate | $458 | $458 | $1,147 |
| GEICO | $318 | $323 | $1,228 |
| State Farm | $328 | $342 | $1,262 |
| MMG Insurance | $379 | $383 | $1,461 |
| Frankenmuth Insurance | $310 | $317 | $1,492 |
| Farmers | $310 | $322 | $1,664 |
| USAA | $232 | $237 | $827 |
Car insurance rates by city in Maine
Cutler is the most expensive city in Maine, with an average car insurance rate of $1,261 a year. Yarmouth is the cheapest city for Maine drivers at an average rate of $1,048 annually.
Car insurance premiums differ across cities in Maine and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Maine’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Maine per month?
Car insurance in Maine costs an average of $98 a month for a full coverage policy with limits of 100/300/100.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $28 |
| Liability Only – 50/100/50 BI/PD | $28 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $98 |
Final thoughts on choosing car insurance in Maine
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Maine.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Maine. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 50/100/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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