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Maine Cheapest Car Insurance Quotes & Best Coverage Options

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Updated May 6th, 2021

Checked by
Jaime Arias
Licensed Agent
Reviewed by
Jennifer Benson
Licensed Agent
Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.

AutoInsureSavings.org licensed insurance agents reviewed the cheapest car insurance companies in Maine and found Travelers ($347 per year) has the cheapest rates for minimum liability coverage.

GEICO ($876 annually) offers the cheapest insurance in Maine for drivers with good driving records who need full coverage.

Affordable Maine Car Insurance Rates

Comparing a car insurance quote from at least three to five insurance carriers is the best way to make sure you find the best deals to save money monthly. 

Cheapest Car Insurance in Maine - Key Takeaways
AutoInsureSavings.orgThe cheapest Maine car insurance options are:

Cheapest for minimum coverage: Travelers Insurance
Cheapest for full coverage: GEICO
Cheapest after an at-fault accident: State Farm
Cheapest after a speeding ticket: GEICO
Cheapest after a DUI: Progressive
Cheapest for poor credit history: GEICO
Cheapest for young drivers: GEICO
For younger drivers with a speeding violation: Concord Group
For younger drivers with an at-fault accident: Concord Group

This guide will take a closer look at car insurance providers and coverage options available to drivers in Maine and help you determine which one is best for your individual needs.

Cheapest car insurance in Maine with Travelers, MetLife, and State Farm compared with average rates.

Cheapest Car Insurance in Maine for Minimum Coverage

Our recent research found the cheapest auto insurer in Maine for minimum liability insurance requirements is Travelers, which provided our agents a $347 insurance rate for our sample driver.

The average quote is $517 per year, and Travelers’ rate at $347 per year is 33% cheaper, making them the best option for drivers in Maine needing minimum liability insurance. 

CompanyAverage annual rate
USAA$289
Travelers$347
MetLife$380
State Farm$413
GEICO$457
Progressive$488
Allstate$569
Concord Group$615

*USAA is for qualified military members, their spouses, and direct family members. Rates may vary depending on driver profiles.

Military members, their spouses, or family members qualify for cheaper car insurance through USAA. Buying minimum coverage insurance requirements at $289 annually through USAA is 45% less expensive than the state average $517 rate.

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Cheapest Full Coverage Car Insurance in Maine

If you are interested in having extra coverage options in Maine while you are on the road, the cheapest full coverage rates are with GEICO at $876 per year or $73 per month.

Quotes from this car insurance carrier are 25% less expensive than Maine’s average of $1,160.

InsurerAnnual costMonthly cost
GEICO$876$73
Travelers$981$81
State Farm$1,060$88
Maine average$1,160$96

*Your rates may vary when you get quotes.

Full coverage car insurance in Maine costs more than double the amount that minimum coverage insurance costs.

While many drivers may instantly turn away from taking out full coverage due to the higher car insurance rates, others appreciate the peace of mind and reassurance they receive by having collision and comprehensive coverage along with their liability coverage.

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Our agents recommend full coverage insurance in Maine to protect your vehicle and the other drivers. Collision coverage pays for damage to your vehicle no matter who is at fault. And comprehensive insurance pays for non-collision damage, such as from hitting a traffic sign or an animal such as a deer.  

Cheapest Car Insurance With Speeding Tickets in Maine

The best coverage rate for drivers with speeding tickets in Maine is GEICO, which offered us a quote at $998 per year or $83 per month for full coverage. The average cost of insurance for Mainers with a speeding ticket is $1,517, but GEICO is $519 cheaper. 

InsurerAnnual costMonthly cost
GEICO$998$83
Travelers$1,147$95
Concord Group$1,366$113
Maine average$1,517$126

Speeding tickets will cause your auto insurance rates to increase regardless of coverage levels. According to the State of Maine Judicial Branch, most drivers expect rate increases by 24% on average for traffic violations in the Pine Tree State. 

Cheapest Car Insurance in Maine With Car Accidents

In Maine, drivers with one at-fault accident on their driving record should consider State Farm, the cheapest auto insurance company, which provided our insurance agents with a quote at $1,309 per year or $109 per month.

InsurerAnnual costMonthly cost
State Farm$1,309$109
GEICO$1,462$121
Travelers$1,681$140
Maine average$1,879$156

The average cost of car insurance for drivers in Maine after being involved in an accident is $1,879 per year or $156 per month. State Farm’s rate for those with an auto accident is 31% cheaper than the state average.

One at-fault accident on your driving record in Maine, you can expect your car insurance rates to go up by 39% over three years. Depending on the severity of the car accident, you may have to file an SR-22 in the state of Maine, according to Maine’s Bureau of Insurance. 

Cheapest Car Insurance With a DUI in Maine

Maine’s least expensive car insurance provider for drivers with a DUI is Progressive during our agent’s research. Progressive’s quote of $1,584 per year or $132 per month is 33% less expensive than average and $159 less than the next best option Concord Group. 

InsurerAnnual costMonthly cost
Progressive$1,584$132
Concord Group$1,743$145
GEICO$1,962$163
Maine average$2,350$195

Drivers in Maine caught driving under the influence (OUI) are expected to pay car insurance premiums 51% more than drivers who have clean driving records.

According to Maine’s Bureau of Highway Safety, after a DUI (called an OUI in ME), drivers in Maine will have an administrative license suspension proceeding before the Maine Bureau of Motor Vehicles (BMV) to determine the severity of operating a vehicle under the influence.

Cheapest Car Insurance For Drivers with Poor Credit in Maine

According to our analysis, the Maine car insurance company offering the best rates with poor credit is GEICO.

GEICO’s quote of $1,147 per year is 38% less expensive than the $1,843 average premium. 

InsurerAnnual costMonthly cost
GEICO$1,147$95
Progressive$1,661$138
State Farm$1,787$148
Maine average$1,843$153

Even if you are a good driver in Maine, your credit report and score can increase car insurance rates by 38%. That’s because many auto insurers look at a person’s ability to pay off their debts or credit cards to reflect their ability to make their monthly car insurance payments.

Cheapest Car Insurance for Young Drivers in Maine

Our analysis found that GEICO is the cheapest insurance company for young drivers in Maine looking for full coverage insurance. Our insurance agents received a rate of $2,056 annually from GEICO, which is 51% more affordable than Maine’s state average rate.

Teen drivers looking for affordable minimum coverage in Maine should consider Allstate ($1,160) and State Farm ($1,490). Both auto insurers are 10% cheaper than the average $1,640 Maine auto insurance rate.

InsurerFull coverageMinimum coverage
USAA$1,923$871
GEICO$2,056$1,580
Concord Group$2,144$1,517
State Farm$2,743$1,490
Allstate$3,648$1,160
MetLife$4,632$1,641
Progressive$5,132$2,355
Maine average$4,132$1,640

*USAA is for qualified military members, their spouses, and direct family members. Your insurance rates may vary based on the driver’s profile.

Our agents recommend a teen driver in Maine carry full coverage insurance and be added to an adult or parent’s policy to save the most money. Adding high school or college students to their parent’s policy is $900 in annual savings and up to 30% if they qualify for a good student discount with “B” average grades.

Cheapest Car Insurance for Young Drivers with a Speeding Ticket

Young or teen drivers in Maine who have a speeding violation will find affordable insurance rates with Concord Group, which provided us a quote at $188 per month or 51% less expensive than the state average rate.

State Farm proved affordable Maine insurance with a $239 monthly rate for full coverage for similar driver profiles. 

InsurerAnnual costMonthly cost
Concord Group$2,260$188
State Farm$2,873$239
GEICO$3,142$261
Maine average$4,543$378

Cheapest Car Insurance for Young Drivers with an Auto Accident

Young Maine drivers with an at-fault accident can get cheaper rates by getting insurance coverage from Concord Group with a quote at $224 per month or $2,694 per year, 46% less than average rates.

The next best coverage option is GEICO, quoted at a $301 monthly rate or 27% less expensive than a typical rate for a teen driver with a car accident in their driver history.

InsurerAnnual costMonthly cost
Concord Group$2,694$224
GEICO$3,621$301
Allstate$3,678$306
Maine average$4,931$410

Best Car Insurance Companies in Maine

AutoInsureSavings.org agent’s survey of the best car insurance carriers in Maine found Nationwide performed the best overall customer service and claims satisfaction. Other best auto policy options based on customer service are USAA and State Farm.

We studied data to help you find the best coverage choices and insurance decisions during our analysis of Maine’s best auto insurers. The data we use is from the National Association of Insurance Commissioners (NAIC), J.D. Power’s customer satisfaction survey, and AM Best financial strength ratings.

InsurerNAIC Complaint Index J.D. Power claims satisfaction score A.M. Best Financial Strength Rating
Concord Group0.44n/aA
Progressive0.60856A+
Allstate0.63876A+
State Farm0.66881A++
Nationwide0.92870A
GEICO1.01871A++
MetLife1.13886A

*NAIC complaint index, the lower, the better, JD Power’s claims satisfaction study, the higher, the better, AM Best Ratings, A+ is “excellent,” and A++ is “superior” financial strength.

Concord Group (0.44) and Progressive Insurance (0.60) perform best with NAIC’s complaint index. Both scored less than the national average of 1.00 with lower than average complaints based on their market share. 

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Deciding on the best car insurance company in Maine is not a simple task. That is because the risk factors that make one car insurance company the best for one driver may make them the worst choice for another. Finding the best auto insurance rates for you will depend on many factors like your age, your driving history, where you live, and your vehicle’s make or model, to name a few. 

A recent insurance survey from ValuePenguin reached similar results for Maine car insurance carriers. 

Company% respondents extremely satisfied with recent claim% respondents rated customer service as excellent
Nationwide78%52%
USAA76%60%
Progressive74%34%
State Farm72%47%
Allstate71%47%
GEICO64%42%

Your best resource for finding the most affordable car insurance rates in Maine is an insurance quote comparison tool like AutoInsureSavings.org.

Average Car Insurance Costs by City in Maine

Auto insurers in Maine use your zip code to calculate your insurance rate, as well as many other risk factors such as marital status, credit score, type of vehicle, and driving history. Your rates can vary by $413 or more, depending on your zip code in Maine,

AutoInsureSavings.org licensed insurance agents analyzed cities with the cheapest insurance coverage in Maine. 

Cheapest Car Insurance in Portland, ME

Portland’s cheapest insurance is with Concord Group, which provided our agents a $963 per year quote or $80 per month with a $500 deductible for comprehensive and collision insurance. Concord’s rate is 32% less expensive than the $1,401 Portland, ME average rates. 

Portland CompanyAverage Premium
Concord Group$963
GEICO$1,076
Travelers$1,214
Portland average$1,401

Cheap Auto Insurance in Lewiston, ME

Lewiston’s least expensive auto insurance is with Travelers, which offered us a $923 per year rate for our sample 30-year-old driver with full coverage. Travelers’ quote is 31% cheaper than the Lewiston average rates of $1,328 per year. 

Lewiston CompanyAverage Premium
Travelers$923
State Farm$1,047
GEICO$1,096
Lewiston average$1,328

Cheapest Auto Insurance in Bangor, ME

In Bangor, cheaper car insurance coverage can be found with Travelers, which offered our agents a $916 per year quote for a full coverage policy. Travelers’ rate is 34% less expensive than Bangor’s average rates of $1,370 per year. 

Bangor CompanyAverage Premium
Travelers$914
Concord Group$1,036
GEICO$1,158
Bangor average$1,370

Cheapest Auto Insurance in Auburn, ME

Affordable insurance coverage in Auburn, Maine, is with GEICO providing the best rate at $979 per year for a full coverage policy. GEICO’s $73 a month rate is 35% less expensive than average rates for Auburn residents.

Auburn CompanyAverage Premium
GEICO$879
Concord Group$1,077
State Farm$1,132
Auburn average$1,332

Cheap Auto Insurance in Biddeford, ME

Drivers in Biddeford can get cheaper insurance with GEICO, which provided our licensed agents an $813 per year rate for a full coverage policy with $100,000 in liability limits. GEICO’s quote is 37% less expensive than the average rates of $1,275 in Biddeford. 

Biddeford CompanyAverage Premium
GEICO$813
Concord Group$953
State Farm$1,051
Biddeford average$1,275

Cheapest Car Insurance in Brunswick, ME

The most affordable insurance rate our agents found in Brunswick is Travelers, with a $914 per year rate for a policy with collision and comprehensive coverage. Traveler’s quote is 31% less expensive than Brunswick’s average rates of $1,316 per year.

Brunswick CompanyAverage Premium
Travelers$914
GEICO$988
MetLife$1,127
Brunswick average$1,316

Cheap Auto Insurance in Saco, ME

Drivers in Saco, ME can find the cheapest full coverage insurance policy with Travelers, which offered us a $920 per year rate for our sample 30-year-old driver. Travelers’ car insurance rate is $292 less per year than Saco’s average rates of $1,212 per year. 

Saco CompanyAverage Premium
Travelers$920
MetLife$1,046
GEICO$1,067
Saco average$1,212

Average Insurance Cost for All Cities in Maine

City Annual Premium CostCityAnnual Premium Cost
Portland$1,401Manchester$988
Lewiston$1,328Hallowell$1,010
Bangor$1,370Hancock$1,038
South Portland$1,397Canaan$1,068
Auburn$1,332Whitefield$1,027
Biddeford$1,275West Paris$1,056
Sanford$1,260Unity town$1,100
Brunswick$1,316Eddington$1,077
Scarborough$1,305Otisfield$1,008
Saco$1,212Buckfield$1,068
Westbrook$1,251Albion$1,016
Augusta$1,164West Bath$1,114
Windham$1,187Leeds$1,140
Gorham$1,190Dayton$1,027
Waterville$1,214Phippsburg$1,136
York$1,019Palmyra$988
Falmouth$1,068Livermore$1,167
Kennebunk$1,178Orland$1,043
Orono$1,219Corinna$1,077
Wells$1,016Damariscotta$1,056
Standish$1,103Machias$1,008
Kittery$1,027Lincolnville$1,114
Cape Elizabeth$1,136Limestone$1,180
Presque Isle$1,016Veazie$1,121
Brewer$1,043Dixfield$1,159
Lisbon$1,056Boothbay Harbor$1,136
Old Orchard Beach$1,008Mapleton$1,103
Topsham$1,194Deer Isle$1,016
Yarmouth$1,114St. Albans$1,077
Freeport$1,121Van Buren$1,148
Bath$1,116Parsonsfield$1,190
Skowhegan$1,205Randolph$1,027
Buxton$1,220Trenton$1,043
Gray$1,148Northport$1,056
Cumberland$1,241Hebron$1,008
Ellsworth$988Mount Desert$1,121
Waterboro$1,043Wales$1,114
Caribou$1,159Newcastle$1,077
Berwick$1,136Hiram$1,205
Winslow$1,103Stockton Springs$1,148
Farmington$1,192Bradley$1,214
Old Town$1,027Dedham$1,043
South Berwick$1,202Nobleboro$1,213
Hampden$1,056Surry$1,114
Rockland$1,212New Sharon$1,136
Belfast$1,200East Millinocket$1,008
Eliot$1,016Lamoine$1,159
Fairfield$1,121Dresden$1,103
Oakland$1,136Hartland$1,027
Lebanon$1,217Pownal$988
Winthrop$1,068Hope$1,056
Hermon$1,043Appleton$1,194
Houlton$1,148Sebago$1,077
Turner$1,114Washburn$1,136
New Gloucester$1,159Newburgh$1,043
Rumford$1,205Tremont$1,008
Gardiner$1,219Milbridge$1,121
Poland$1,103Stetson$1,199
Bar Harbor$1,205Gouldsboro$1,016
Bridgton$1,027Owls Head$1,077
Paris$1,136Waterford$1,159
Waldoboro$988Charleston$1,103
Sabattus$1,148Cushing$1,193
Norway$1,056Cornville$1,114
Lincoln town$1,043Baldwin$1,136
Bucksport$1,159Hodgdon$1,198
Harpswell$1,008Southwest Harbor$1,043
Camden$1,205Mount Vernon$1,027
Warren$1,016Palermo$1,205
North Berwick$1,121Washington$1,114
Madison$1,211Enfield$1,136
Jay$1,027Baileyville$1,056
Hollis$1,103Greenville$1,008
Glenburn$1,068Porter$1,016
Raymond$1,077Sangerville$1,148
Lyman$1,043Greenbush$1,159
Sidney$989Hudson$1,103
Greene$1,027Mars Hill$1,069
Vassalboro$1,056Brownfield$990
Millinocket$1,136Franklin$1,008
Arundel$1,114Newfield$1,043
China$1,194Peru$1,056
Monmouth$1,205East Machias$1,077
Dover-Foxcroft$1,148Cornish$1,027
Oxford$1,016Strong$1,121
Pittsfield$1,223Eastport$1,008
Wilton$1,159Searsmont$1,136
Naples$1,043Lubec$1,205
Durham$990Sullivan$1,213
Winterport$1,027Denmark$1,016
Casco$1,071Dixmont$1,114
Fort Kent$1,205Sedgwick$1,077
Limington$1,056Ashland$990
North Yarmouth$1,103Jonesport$1,043
Madawaska$1,194Swanville$1,136
Dexter$1,008Easton$1,027
Wiscasset$1,121Chesterville$1,103
Orrington$1,159South Thomaston$1,148
Litchfield$1,205Medway$1,008
Kennebunkport$1,136Kenduskeag$1,072
Richmond$1,016Steuben$1,194
Fryeburg$1,114Penobscot$1,056
West Gardiner$990Plymouth$1,205
Rockport$1,077Addison$1,159
Clinton$1,077Brownville$1,008
Fort Fairfield$1,027Guilford$1,016
Newport$1,148Howland$1,114
Norridgewock$1,159Woodstock$1,205
Bowdoin$1,043Hartford$1,136
Livermore Falls$1,194Bradford$1,159
Belgrade$1,205Friendship$1,114
Boothbay$1,008Castine$1,043
Alfred$1,056Edgecomb$1,121
Woolwich$1,103Sumner$1,068
Holden$1,136Wayne$1,027
Calais$1,016Exeter$990
Milford$1,205Burnham$1,008
Mechanic Falls$1,200Fayette$1,077
Bowdoinham$1,114Monroe$1,148
Levant$1,136Stonington$1,194
Limerick$1,172Morrill$1,208
Farmingdale$1,205Etna$1,056
Corinth$1,121Rangeley$1,103
Carmel$990Frankfort$1,008
Harrison$1,043Phillips$1,114
Thomaston$1,068Ogunquit$1,180
Bristol$1,027Garland$1,136
Union$1,056Littleton$1,016
Chelsea$1,077Montville$1,027
Shapleigh$1,148Harrington$1,068
Benton$1,194Lovell$1,114
Bethel$1,154Woodland$1,056
Pittston$1,134Rome$1,148
Blue Hill$1,008Brooks$1,130
Searsport$990Athens$1,027
Anson$1,103New Vineyard$1,043
Mexico$1,114Troy$1,129
Jefferson$1,056Machiasport$990
Milo$1,016Georgetown$1,077
Acton$1,121Smithfield$1,103
Windsor$1,027Brooksville$1,070
Minot$1,073Belmont$1,055
St. George$1,049Sherman$1,016
Readfield$995Cherryfield$1,008

Minimum Car Insurance Requirements in Maine

According to the State of Maine Professional and Financial Regulation, vehicle registration requires all drivers to carry a minimum amount of liability insurance, uninsured motorist coverage, and medical payments coverage (MedPay) in their car insurance policies.

The insurance requirements pay for bodily injury and property damage sustained to other people or motor vehicles. Uninsured motorist coverage pays for accidents with uninsured motorists, and medical payments (MedPay) cover injuries to you or other vehicle occupants.

Liability insuranceMinimum coverage
Bodily injury liability coverage$50,000 per person and $100,000 per accident
Property damage liability coverage$25,000 per accident
Uninsured motorist coverage$50,000 per person and $100,000 per accident
Medical payments coverage$2,000 per person

Frequently Asked Questions

Who has the Cheapest Car Insurance in Maine?

We found the top car insurance companies that offer the lowest Maine drivers’ average rates are USAA at $24 per month, Travelers at $29 per month, and MetLife at $31 a month for a state minimum coverage policy for a 30-year-old with clean driving history.

How Much is Auto Insurance in Maine per Month?

On average, drivers pay around $40 per month for state minimum coverage in Maine and $96 per month for full coverage insurance. Based on our research, GEICO ($876 per year) is one of the state’s most affordable car insurance companies. Most drivers’ average annual rate is around $517 per year for state minimums and $1,160 per year, including comprehensive and collision coverage.

How Much Is Full Coverage Auto Insurance in Maine?

On average, most drivers in Maine pay for full coverage insurance is $96 per month or $1,160 per year. Maine’s top insurance companies that offer the lowest rate for drivers interested in full coverage auto insurance policies include GEICO, Travelers, and State Farm. All three insurers provide auto insurance quotes 10% lower than average, depending on your driver profile. 

How do I Save on Car Insurance in Maine?

There are many things drivers can do to help save money on their car insurance rates in Maine. First, you will need to compare quotes from multiple insurance providers to find the right company that offers the exact level of coverage in Maine you need at the most affordable price.

Another thing drivers can do to help them save more on their car insurance rates is ask their auto insurance provider about a money-saving driver discount they may be eligible for. Many companies offer car insurance discounts for drivers who have multiple coverage policies with them or drivers who have no prior accidents or violations on their driving records. Consider Usage-Based car insurance, such a Traveler’s IntelliDrive program. You can get long-term savings up to 30% at renewal, depending on your safe driving habits. 

To learn more and find the best car insurance options in Maine, contact the experts at AutoInsureSavings.org. Our licensed insurance professionals will be happy to answer any questions you have.

Methodology

AutoInsureSavings.org comparison shopping study used a full-coverage auto policy for a 30-year-old driving a 2018 Honda Accord with the following coverage limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Personal injury protection$10,000
Uninsured motorist bodily injury & underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

We used insurance rates for drivers with accident histories, credit scores, and marital status for other Maine rate analyses. We used insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your auto insurance rates may vary when you get quotes.

Sources

– Maine Bureau of Motor Vehicles. “Operating Under the Influence.”
– Maine Financial Regulation. “Car Insurance Required by Law.”
– Insurance Information Institute. “Facts + Statistics: Teen drivers.”
– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Insurance Companies.”
– Maine Bureau of Insurance. “Car Insurance Basics.”

Jaime Arias

Jaime Arias

Jaime Arias is a licensed insurance agent, co-owner, and editor of AutoInsureSavings.org with a family history in developing insurance businesses. Also, he has a mechanical engineering degree and a master's of business administration (MBA) from Harvard University. Jaime has experience in digital marketing, directing marketing methods online for businesses in the insurance industry.

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