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Minimum Car Insurance Requirements in Maine & Cheapest Insurers by City for Additional Savings

The state of Maine has higher than national average state minimum requirements for car insurance.

The set minimum for Maine is 50,000/100,000/25,000 for bodily injury liability and property damage liability.

Minimum Auto Insurance Requirements in Maine

CoverageMaine Minimum Liability CoverageRecommended Coverage
Bodily Injury Protection$50,000 / $100,000$100,000 / $300,000
Property Damage$25,000$50,000
Medical Payments Coverage$2,000$5,000
Uninsured Motorist Coverage$50,000 / $100,000$50,000 / $100,000
Combined Single Limit$125,000$125,000
Comprehensive CoverageOptional$500 deductible
Collision CoverageOptional$500 deductible

Bodily Injury Liability

Bodily injury liability covers hospital charges for the driver and passenger of the other auto if the insured party is revealed to be at-fault in the accident.

Under the minimum coverage, the insurer will pay up to $50,000 for a single person up to $100,000 for all people hurt in the accident.

Cheapest insurance for 25 year old driver in MaineNote: The average rates for a 25 year old driver in Maine is $1,560 per year. If you compare quotes from the top five providers in our table you could save more than 15% yearly. Please see table below.

Property Damage Liability

Property damage liability is going to pay for physical damages to the other driver’s car as well as street lights, fire hydrants, houses, places of business, and livestock or other animals.

Maine affordable auto insurance providers for 45 year oldNote: For a 45 year old driver in Maine the cheapest insurance firms are GEICO, Patriot, and Progressive. The average rate is $1,090 per year in the state of Maine. See table below.

If the minimum policy is held, the insurance corporation will pay up to $25,000 for damages sustained.

Uninsured Motorist Protection

Maine is one of the few states which requires drivers to get uninsured motorist protection which is a cover that helps pay for medical expenses and damages to the insured vehicle if the at-fault driver does not have insurance.

Maine affordable auto insurance providers for 55 year oldNote: As illustrated, a 55 year old driver should be able to get low rates in the state of Maine. Patriot, Progressive, GEICO, and Vermont Mutual were the lowest when conducting our study.

The minimum coverage for medical payments is $2,000 and can cover the following:

  • Chiropractor

  • X-ray expenses

  • Dental expenses

  • Professional nurses expenses

  • Prosthetic expenses

  • Funeral expenses

Another fact is Maine is a tort state; therefore if you have cause the accident then you will be responsible for paying the medical expenses of the injured driver.

Median insurance rates for 25 year old driver in Maine.Note: For detailed information please see table below. The graph above illustrated “not” the lowest cost providers, but the median rate. Although, more expensive they should not be counted out. You may be able to get a lower insurance premium with one of them.

Who Has the Least Expensive Quotes in Maine?

When I queried for quotes in Maine the cheapest insurers are GEICO, Patriot, and Progressive. And this is if you are only going by price.

There are many carriers in Maine which offered a tailor coverage plan with a low cost such as Vermont Mutual, Country Way, or Concord. And many residents decide to get a policy from them.

Though GEICO or Patriot offer the lowest quotes there are other factors you may need to consider when shopping for a policy. For example, if you can combine policies, etc for a discount.

The three cheapest, GEICO, Patriot, and Progressive offer policy discounts to help you save more.

Maine CompanyAverage Annual Rate 25 Y/O Driver30 Y/O Driver35 Y/O Driver45 Y/O Driver55 Y/O Driver
GEICO$1,236$986$856$699$611
Patriot$1,245$1,008$880$708$615
Progressive$1,278$1,021$890$712$619
Vermont Mutual$1,299$1,057$912$755$620
Country Way$1,309$1,070$922$789$674
Allstate$1,376$1,128$945$832$675
Concord$1,425$1,179$946$876$689
State Farm$1,511$1,267$1,060$912$703
MetLife $1,544$1,280$1,121$923$705
MMG$1,587$1,341$1,180$1,008$765
Hanover$1,601$1,380$1,236$1,078$789
Farmers$1,711$1,378$1,245$1,132$805

Comprehensive & Collision Coverage

The state of Maine’s government website recommends anyone that has a vehicle which is worth more than $2,000 to consider buying collision coverage, particularly if you live in a higher populated area such as Lewiston.

Chart showing when to self insurer and when to get comprehensive & collision coverage

Note: As illustrated, if you have $3,000 in the bank and your vehicle is worth $2,500 then you would forgo comprehensive and collision coverage to save.

If you have a vehicle that is valued in this range you would want to consult with your insurance company about buying optional collision coverage.

Comprehensive coverage is optional but highly recommend in the state of Maine since the state has severe winter storms, your windshield could break, or any other non-collision type of accident would be covered.

If you have a newer vehicle comprehensive should be on the policy.

When you are purchasing a policy other items such as GPS navigation units, radios, DVD players are going to be covered by comprehensive only when the items are permanently installed on the vehicle.

Portable items are not going to be included on the policy unless your insurance firm offers an endorsement to add to the policy for such items.

If you are a 55 year old driver in the State of Maine with a clean driving history you should be able to get low rates. As illustrated, the list of the “next” six of insurance companies were almost as low as the top six illustrated earlier.

Best Car Insurance Firms by Rating, Rate Change, & Written Premiums

In the table below I included 16 insurers in Maine with amount of direct written premiums for each.

Also included is the percentage rate change over a 12 to 18 month period. This shouldn’t alarm you since the amount for each insurer is not extraordinary. If you get a traffic violation then your rate may spike and depending on the violation it can spike significantly like 30% or even 50%.

The consumer ratings is an average from JD Power & Associates, AM Best, and other reputable online sources.

The number of complaints for each is typically from a poor claims handling process. Any insurer you shop a policy for is going to have a number of complaints.

Again, this shouldn’t be alarming and only a guide to help you find a low rate with a reputable carrier.

CompanyWritten PremiumsRate Change > 18 Months# of ComplaintsRating out of 5
Quincy Mutual$22,973+2.9%04.1
Travelers$26,596+2.9%04.2
Concord Group$26,835+3.3%14.2
Vermont Mutual Group$20,656+3.3%24.0
MetLife$26,832+3.2%24.1
Progressive$95,366+2.9%34.7
Allstate$53,697+3.1%34.7
USAA$29,777+2.6%34.7
State Farm$101,111+2.8%54.4
Main Street America $16,543+3.5%64.2
MMG Co$21,458+3.6%63.7
Liberty Mutual$63,562+3.0%74.1
Hanover$17,326+3.5%84.6
Hartford$16,223+3.4%114.2
GEICO$68,109+2.8%114.5
Farmers$18,582+3.0%144.2

Source – III.org

Related Factors Which Influence Premiums

Other factors to consider in the state of Maine when buying a policy is there will be a ten percent “short rate” cancellation fee if you are going to change insurers in the middle of the policy.

The only time a driver is exempt from a “short rate” cancellation fee is if you have sold or no longer own the vehicle.

Average Premium Price by City

The cost of a premium can vary from city to city. Which is one of the reasons you can have a low quote in one area and higher in the other.

If your quotes are significantly higher than those below you may want to consider the factors insurers use to determine your rate. Your quotes may be lower if you are married, if you have good credit, or if you did not let your premium lapse.

In the table below I found  quotes would vary from $1,235 to $1,546 for a 30 year old driver with full coverage in the state of Maine.

If you would like a detailed comparison of large cities please read further below.

CityAvg RateCityAvg RateCityAvg Rate
Alfred$1,235Camden $1,400Monmouth$1,330
Auburn$1,332Brunswick$1,411Orono$1,327
Bath$1,344Ellsworth$1,276Pittsfield$1,465
Belfast$1,327Gardiner$1,374Richmond$1,562
Belgrade$1,348Hallowell$1,330Rockland $1,270
Bethel$1,380Kittery$1,408Rockport$1,437
Bowdoin $1,400Limerick$1,327Sanford $1,174
Bowdoinham$1,412Lisbon$1,546Waterville $1,403
Brewer$1,432Madison $1,472Westbrook$1,503

Portland, ME

Portland Company30 Y/O Driver45 Y/O Driver
GEICO$1,236$733
Patriot$1,247$738
Progressive$1,280$748
Vermont Mutual$1,289$756
Country Way$1,322$789
Allstate$1,389$809

If you are in the market for a cheaper premium in Portland then start with GEICO, Patriot, and Progressive. I queried each at $1,236, $1,247, $1,280 for a 30 year old driver. Which is 11% to 13% lower than the average premium.

The quotes clustered between $1,236 and $1,389 for full coverage. Which is a variance of $153 or nearly a 15% difference between the lowest and highest quote.

A 45 year old can get the best prices with GEICO, Patriot, and Progressive. I queried each at $733, $738, and $748 per year for full coverage. Which is 14% to 16% lower than the citywide “mean” rate in Portland.

Quotes clustered between $733 and $809 making a $76 variance. Or approximately 10% between the lowest and highest quote. Making it important to compare for the most savings.

Portland, ME low-cost premium prices for all drivers.Home to the University of Maine, Portland is on the Atlantic Ocean and is the largest city in the state. Over 40% of the states residents reside near Portland and has the 20th largest fishing port in the United States. No other port is closer to the Europe.  

Historically known as “Forest City” with stunning landscapes and outstanding scenery the city of Portland been destroyed twice.

Portland’s Old Port District is popular with tourists, showing northeast culture, breathtaking coffee shops, and stunning restaurants.

South Portland is home to one of the northeast’s famous mall – the largest commercial complex north of Boston. The Old Port Festival is the largest one day festival in Maine.

Full of history, culture, and a hint of British influence Portland attracts thousands each year.

Lewiston, ME

Lewiston Company30 Y/O Driver45 Y/O Driver
GEICO$1,278$755
Patriot$1,245$756
Vermont Mutual$1,299$778
Country Way$1,311$803
Allstate$1,358$809
Progressive$1,401$809

To get the cheapest premium in Lewiston then start by getting quotes from GEICO, Patriot, and Vermont Mutual.

I queried each at $1,278, $1,245, and $1,299 for a 30 year old driver. The lowest is Patriot which offered a quote $33 cheaper than GEICO. All three of the carriers are 11% lower than the average premium in Lewiston.

A 45 year old can get low quotes GEICO, Patriot, and Vermont Mutual. Each queried at $755, $756, and $778 respectfully per year for full coverage. Which is 10% lower than the citywide “mean” rate.

The quotes clustered between $755 and $809 which is a $54 variance among carriers. Or less than 5% making any of the illustrated insurers worth getting quotes from for comparison.

Lewiston, ME least expensive carriers by price for 30 to 55 y/o drivers.Lewiston is north of Portland and has foundation built in agriculture, mills, lumber, and manufacturing. Surrounded by beautiful landscapes it is home to many outdoor enthusiasts.

The old factories in the city of Lewiston are seen by tourists year by year.

Home to the Great Falls Balloon Festival and the Greek Festival much of Lewiston’s old “glory days” have been run down.

There is period of renovation and revitalization which continues today. The city has wonderful hiking, camping, and cross country skiing trails.

Bangor, ME

Bangor Company30 Y/O Driver45 Y/O Driver
GEICO$1,311$768
Patriot$1,322$783
Vermont Mutual$1,367$791
Country Way$1,489$808
Allstate$1,499$822
Progressive$1,576$878

If you aren’t getting the lowest rate in Bangor your probably looking in the wrong place. Start by getting quotes from GEICO, Patriot, and Vermont Mutual. I queried each at $1,311, $1,322, $1,367 per year for a 30 year old driver. Which is 10% to 12% lower than the average policyholder in Bangor.

The quotes clustered between $1,311 and $1,576 which is a big variance of $265 or nearly 20% difference between the lowest and higher insurer. Making it important to compare quotes before purchasing a policy.

A 45 year can find the cheapest rates with GEICO and Patriot. I queried each at $768 and $783 respectfully per year for full coverage. Vermont Mutual is competitive with a quote only $8 more at $791. Plus Country Way offered a low quote at $808 making any of the lowest four illustrated worth getting quotes from.

Bangor cheapest policy choices for 30 to 55 y/o drivers.Bangor has nearly 35,000 residents as of the 2010 census. Though small it is an economic hub for central Maine. Walmart, Hannaford Markets and General Electrics are major companies and manufacturers in the surrounding area of Bangor.  

Outdoor enthusiasts love Bangor including the Bangor City Forest, hiking, sailing, canoeing, hunting, fishing, skiing, and snowmobiling.

Bangor contains many Greek Revival, Victorian, and Colonial Revival houses which are registered a historic homes.  Some notable museums, The Maine Forest and Logging Museum includes a reconstruction of an early logging and milling community.

The bow plate of USS Maine in on display in Davenport Park and the second oldest garden cemetery, Mt. Hope Cemetery is in Portland. Lastly, it is home to Stephen King.

Biddeford, ME

Biddeford Company30 Y/O Driver45 Y/O Driver
Patriot$1,206$702
GEICO$1,288$744
Progressive$1,302$783
Vermont Mutual$1,367$799
Country Way$1,378$808
Allstate$1,407$841

In Biddeford, Maine you can find the least expensive premium with Patriot, GEICO, and Progressive. I queried each at $1,206, $1,288, and $1,302 respectfully for a 30 year old driver. Which is 12% to 14% lower than the average premium.

If you are shopping I would included Vermont Mutual in there too since they are 10% lower than the “mean” rate in Biddeford.

A 45 year old can get the lowest rates with Patriot. Only one carrier to mention here since Patriot is $42 cheapest then GEICO.

Just for policy comparison I would include GEICO and Progressive since the large carriers can offer plans which aren’t available with smaller more local carriers.

Biddeford cheapest premium choices for 30 to 55 y/o drivers.Biddeford borders the Atlantic Ocean and has over 21,000 residents as of the 2010 census with a fastest growing economy in the state.  

It is considered one of the oldest European settlements in the United States. Today it is dominated with history, culture, and wonderful sights for tourists and residents.

The city has it foundation in fishing, agriculture, lumber, and textile mills.

Biddeford’s beautiful historic downtown is absolutely breath taking and two focal points are McArthur Public Library and Biddeford’s City Theater.

The Main Street Historic District has neat shops, quaint stores, while enjoying the outdoors.

The Biddeford City Theater hosts live performances throughout the year. And many museums honors the city’s history as a lumber, milling, and agriculture town with photos and preserved buildings.

Saco

Saco Company30 Y/O Driver45 Y/O Driver
Patriot$1,265$689
Vermont Mutual$1,300$712
Progressive$1,365$775
Country Way$1,380$815
GEICO$1,401$823
Allstate$1,443$854

Drivers in Saco can get the cheapest quotes with Patriot, Vermont Mutual, and Progressive. I queried each at $1,265, $1,300, and $1,365 for a 30 year old. Which is 9% to 13% lower than the average policyholder in Saco.

The quotes clustered between $1,265 and $1,443 which is a $178 variance. Or nearly 18% making it important to compare policy prices for drivers.

A 45 year old can get the best price with Patriot, Vermont Mutual, and Progressive. Each queried at $689, $712, and $775 per year for full coverage. Which is 12% to 15% lower than the average policyholder of similar age and profile.

Quotes varied by $165 or over 20% difference between the lowest and highest carrier when comparing quotes.

Saco, Maine is a small community of approximately 18,000 residents. It was incorporated as a district in 1762 and later incorporated as a city in 1867.

There is a long history of working with Indian tribes to establish the area of Saco in the 1600’s. Eventually the Plymouth Company granted the area to a couple of individuals and the area became known as Saco in 1653.

During the summer months Saco receives a tremendous amount of tourism because of the amusement parks, Ferry Beach State Park, and it proximity to Old Orchard Beach.

Throughout the year there are spectacular outdoor views. Outdoor enthusiasts that reside in Maine love venturing to Saco for entertainment.

Augusta

Augusta Company30 Y/O Driver45 Y/O Driver
Patriot$1,255$676
Vermont Mutual$1,280$744
Progressive$1,326$776
Country Way$1,356$811
GEICO$1,370$832
Allstate$1,407$844

To find an affordable premium in Augusta get quotes from Patriot, Vermont Mutual and Progressive. I queried each at $1,255, $1,280, and $1,326 for a 30 year old driver. Which is 12% to 14% lower than the average price for drivers of similar age and profile.

I would include Country Way in the shopping options with a competitive rate at $1,356.

A 45 year old can get low prices with Patriot and Vermont Mutual. I queried each at $676 and $744 respectfully per year for full coverage.

Quotes clustered between $676 and $844 which is a $148 variance or over 20% difference between the lowest (Patriot) and the highest (Allstate). Which makes it very important to compare amount insurers to find the lowest premium with optimum coverage.

Augusta is the capital of Maine and one the states principal cities with approximately 20,000 residents. The city was named after Augusta Dearborn who was the daughter of the statesman Henry Dearborn who fought in the American Revolutionary War. Augusta was settled in 1754 then incorporated as a city in 1849.

Today, Augusta has breathtaking mountain range views from downtown. Any outdoor enthusiast, hunter, fisher, or game trapper would love the community of Augusta.

Some of the coolest sites to see in or around the city is the Old Western Fort, the State Capital Building, and Historic Hallowell.

Insurance Resources & Motor Vehicle Information
Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
76 Northern Ave, Gardiner, ME 04345
(207) 624-8475
66 Industrial Dr, Augusta, ME 04330
(207) 624-3000
19 Anthony Ave, Augusta, ME 04330
(207) 287-3330
WebsiteWebsiteWebsite
Sources

http://www.iihs.org/iihs/topics/laws/

http://www.maine.gov/pfr/

http://www.maine.gov/

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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