The best car insurance in Maine for 2023

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Gianetta PalmerContributing WriterGianetta Palmer is a contributing writer at Policygenius, where she covers life insurance, home insurance, and auto insurance. Her writing has also appeared in TIME, Readers Digest, Healthline, and elsewhere.&Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Edited by

Anna SwartzAnna SwartzSenior Managing Editor & Auto Insurance ExpertAnna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.
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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

Updated|3 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

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The average cost of full coverage car insurance in Maine is $1,096 per year. Compared to the U.S. average of $1,638, Maine drivers enjoy some of the cheapest car insurance rates in the nation.

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Maine drivers can still save even more car insurance. Policygenius can help you see quotes from top companies and find the coverage you need at the price that works best for you.

Key Takeaways

  • USAA is cheapest car insurance company in Maine with average rates of $610 per year for full coverage.

  • Maine requires at least $50,000 per person/$100,000 per accident in bodily injury liability and $25,000 in property damage liability. 

  • Uninsured/underinsured motorist coverage and Personal Injury Protection (PIP) are also required in Maine.

Methodology & why you can trust our rates

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Cheapest car insurance companies in Maine

Car insurance providers all use pretty much the same information to calculate insurance rates. Your age, driving record, the car you drive, and where you live are some of the biggest factors — but not all companies charge the same amount for coverage, which is why it’s so important to shop around.

Company

Average cost

JD Power Rating

USAA

$610

890

Concord Group

$685

--

State Farm

$740

882

GEICO

$765

874

MMG

$829

--

Cheapest car insurance companies by age in Maine

Young drivers are more likely to have an accident and need to file a claim, which is why they see the highest car insurance rates. But rates typically fall over time as drivers approach 25, so as long as they maintain a clean driving record, teens and younger drivers should see their car insurance rates level out.

Age

Cheapest company

Average cost

16

Concord Group

$1,896

18

Concord Group

$1,520

21

USAA

$885

25

USAA

$713

30

USAA

$631

35

USAA

$607

45

USAA

$591

55

USAA

$591

60

USAA

$591

65

USAA

$591

70

USAA

$591

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Choosing the right car insurance company in Maine

There’s no one car insurance company that’s right for every driver. The car insurance company with the best rates for you might not be best for your neighbor. The only way to find the best coverage for your specific needs is to shop around and compare costs.

Policygenius can help you see quotes from top companies so you can choose the policy that’s best for you.

Car insurance rates for drivers with driving violations in Maine

Accidents and moving violations like speeding and running through red lights can double your car insurance rates with some companies. More serious offenses, like a DUI conviction, can lead to even bigger rate increases.

Violation

USAA

Concord Group

State Farm

GEICO

MMG

At-fault accident

$961

$1,162

$889

$1,271

$1,014

DUI

$1,281

$1,299

$818

$2,053

$1,416

Suspended license

$1,232

$1,324

$818

$767

$1,416

Open container

$883

$1,299

$818

$807

$1,416

Expired registration

$724

$1,000

$818

$767

$926

Driving without lights

$724

$1,000

$818

$767

$926

Running a red light

$724

$1,000

$818

$807

$926

Following too closely

$724

$1,000

$818

$767

$926

Hit and run

$1,333

$1,324

$818

$2,053

$1,416

Not-at-fault accident

$643

$772

$757

$807

$843

Passing a school bus

$883

$1,000

$818

$767

$1,416

Reckless driving

$883

$1,324

$818

$1,592

$1,416

Speeding

$724

$889

$818

$1,207

$1,010

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Cheapest car insurance for drivers with bad credit in Maine

Generally, the lower your credit score, the more you’ll pay for car insurance. With some insurers, a low credit score can raise your rates by hundreds of dollars, so if you’re got poor credit, take time to shop around and compare quotes to find affordable coverage.

Company

Rates for drivers with bad credit

USAA

$1,043

Concord Group

$1,149

GEICO

$1,347

MMG

$1,357

Travelers

$1,443

Car insurance costs in Maine cities

Where you live has a big impact on what you’ll pay for car insurance. Local factors like the number of accidents and claims in an area, rates of car theft and vandalism, and even the cost of car repairs in your city will affect what you’ll pay for car insurance. Here’s what drivers pay for coverage in the 10 biggest cities in Maine.

  • Portland: $1,100

  • Lewiston: $1,138

  • Bangor: $1,063

  • South Portland: $1,055

  • Auburn: $1,123

  • Biddeford: $1,025

  • Sanford: $1,095

  • Saco: $1,049

  • Westbrook: $1,055

  • Augusta: $1,098

If you live in an area with high insurance rates, maintaining a safe driving record can help you lower your insurance costs.

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Buying car insurance in Maine

Maine state law says that all drivers have to meet the following minimum coverage requirements (although most drivers need more than the required amounts to be fully protected):

  • Bodily injury liability coverage per person: $50,000

  • Bodily injury liability coverage per accident: $100,000

  • Property damage liability coverage: $25,000

  • Medical payments coverage: Maine requires motorists to carry $2,000 in coverage for any injuries they or their passengers incur (this isn’t technically PIP)

  • Uninsured/underinsured motorist coverage: $50,000 per person; $100,000 per accident

Maine is an at-fault state when it comes to car accidents. That means that after an accident, the insurance company of the driver responsible for the accident has to pay for the other party’s injuries and repair bills.

How to get cheap car insurance in Maine

Taking advantage of available discounts is one way to ensure you’re getting the lowest rates possible. Most car insurance companies offer a range of discounts, some of the most common include:

  • Bundling discount: For getting multiple policies, like home and auto insurance, through the same company

  • Safe-Driver discount: For drivers with no accidents on their record

  • Low Mileage discount: For drivers who commute fewer than 7,500 miles per year

  • Multi-car discount: For insuring multiple cars under the same policy

  • Military discount: For active-duty military personnel and their families

Not all Mainers will qualify for these discounts, so comparing quotes can help you find affordable coverage.

Frequently asked questions

Who has the cheapest car insurance in Maine?

USAA has the lowest average rates for full coverage in the state, at $610 per year, but the cheapest car insurance company for one driver isn’t necessarily the cheapest for another, so you should still shop around and find the best rates for you.

How much does it cost to insure a car in Maine?

On average, it costs $1,096 per year to insure a car in Maine. While your cost of coverage depends on where you live in the state, car insurance in Maine is usually much cheaper than average.

Is car insurance required in Maine?

Like most states, Maine requires drivers to carry auto insurance. Maine requires you to get at least $50,000 of bodily injury coverage per person, $100,000 per accident, and $25,000 of property damage liability. Drivers also have to carry uninsured motorist coverage and $2,000 of medical payments coverage.

Is Maine a no-fault state?

Maine is not a no-fault state. Drivers have to carry medical payments coverage, but not personal injury protection. They're also not limited on claiming damages from a responsible driver's insurance company after an accident.

Authors

Gianetta Palmer is a contributing writer at Policygenius, where she covers life insurance, home insurance, and auto insurance. Her writing has also appeared in TIME, Readers Digest, Healthline, and elsewhere.

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Editor

Anna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.

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