The best car insurance in Maine

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Published November 16, 2021

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The average cost of full coverage car insurance in Maine is $1,147 per year. Compared to the U.S. average of $1,652, 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

  • GEICO is cheapest car insurance company in Maine with average rates of $571 per year for full coverage

  • Lewiston has the highest average rates in the state at $1,181 per year.

  • 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

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

GEICO

$571

871

Concord Group

$672

--

USAA

$722

890

State Farm

$755

881

MMG

$861

--

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

$1,936

18

Concord Group

$1,557

21

GEICO

$925

25

GEICO

$674

30

GEICO

$571

35

GEICO

$571

45

GEICO

$571

55

GEICO

$504

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

GEICO

Concord Group

USAA

State Farm

MMG

At-fault Accident

$948

$1,111

$1,145

$922

$1,055

DUI

$1,531

$1,278

$1,530

$848

$1,473

Driving with a suspended license

$573

$1,278

$1,471

$848

$1,473

Driving with an open container

$602

$1,278

$1,051

$848

$1,473

Driving with expired registration

$573

$891

$860

$848

$963

Driving without Lights

$573

$891

$860

$848

$963

Failure to show documents

$573

$891

$860

$848

$963

Failure to stop at a red light

$602

$891

$860

$848

$963

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

GEICO

$1,006

Concord Group

$1,127

USAA

$1,248

MMG

$1,408

Countryway

$1,574

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: $1,146

  • Lewiston: $1,181

  • Bangor: $1,104

  • South Portland: $1,098

  • Auburn: $1,169

  • Biddeford: $1,065

  • Sanford: $1,142

  • Saco: $1,091

  • Westbrook: $1,099

  • Augusta: $1,141

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

  • Personal injury protection: 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?

GEICO has the lowest average rates for full coverage in the state, at $571 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.

I moved to another apartment in my building, will that raise my rates?

Moving to another apartment in your building probably will not increase your insurance rates, unless your parking changes. However, moving across the street could affect your rates, especially if the address is in a different ZIP code.

I got a ticket for reckless driving when I wrecked my car, will my insurance go up?

Your driving record is one of the biggest factors used to determine car insurance rates. A ticket for reckless driving could double your rates, but if you keep a clean driving record going forward, your rates may go back down again eventually.

Methodology

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.