Best Cheap Auto Insurance in Maine (2023)

Maine boasts a ruggedly beautiful coastline, stretching over 3,500 miles. When you venture away from the coast, you’ll find more than 21,000 miles of public highways to explore, which is more than any other New England state. The extensive roadways and risks that come with coastal living may affect car insurance costs for the state’s drivers.

Although Maine drivers face insurance rates that are about 11% higher than the national average, they can still find affordable, quality coverage through insurers like USAA, Travelers, and Nationwide. But auto insurance premiums vary based on driving record, location, age, gender, marital status, and more.

This article is your guide to average auto insurance rates across Maine to help you find the best policy for your situation.

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Best car insurance companies in Maine

Many quality insurance companies do business in Maine. USAA, State Farm, and Travelers emerge as leaders for their consistently low rates across multiple situations, flexible coverage options, and reputation for customer service.

However, the unique aspects of your situation will affect which car insurance company is the best fit for you. The best way to find the lowest rates is to get quotes from multiple insurance companies.

Best insurer for military and veteran families: USAA

Best insurer for liability-only coverage: State Farm

Best insurer for full coverage: Travelers

Cheapest liability-only car insurance in Maine

Liability car insurance covers damages and bodily injuries you cause to other parties during a car accident. This bare-bones insurance option is often the cheapest. However, you’ll give up the financial protection that comes with more robust coverage.

For example, after an at-fault accident, your liability insurance policy can help you pay for the medical bills and repair costs of the other party. But if their damages exceed your policy’s liability limits, you could be responsible for the balance. And you’ll be on the hook for any repair costs related to your own vehicle and medical expenses.

Here’s a closer look at the cheapest options for liability coverage in Maine:

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

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Insurance Company	Average Monthly Quote
USAA	41
State Farm	42
Safeco	44
Liberty Mutual	50
Foremost	51
Progressive	52
Midvale Home & Auto	57
GEICO	64
Allstate	64
Travelers	74
Dairyland	75
The General	96
Bristol West	101

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Maine

A full-coverage car insurance policy, which includes both comprehensive and collision insurance, provides enhanced financial protection. After an incident, collision coverage can help you pay for repair or replacement costs of your own vehicle. And comprehensive coverage can pay for non-accident damages, such as from hail or vandalism.

If you lease or finance your vehicle, your leasing company or lender will require you to carry full coverage. But even drivers who aren’t required to carry this coverage might want to pay for the additional protection.

Explore the cheapest car insurance options for full coverage in Maine below:

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Progressive	74
USAA	75
Safeco	77
Nationwide	78
State Farm	78
Travelers	98
Liberty Mutual	99
Midvale Home & Auto	100
Foremost	114
GEICO	118
Allstate	118
The General	168
Bristol West	199
Dairyland	200

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Maine

Maine requires drivers to carry a minimum level of liability car insurance.^[2] Here are the requirements:

Bodily injury liability coverage

Bodily injury liability coverage pays for the medical costs of the other drivers and their passengers if you cause an accident. Maine requires drivers to have:

• $50,000 per person

• $100,000 per accident

Property damage liability coverage

If you cause an accident, property damage liability coverage can pay to repair or replace the vehicle of the not-at-fault driver. Maine requires you to have $25,000 of property damage liability, but keep in mind that limit may not be enough to cover the cost of a totaled car, especially if it’s a new or luxury vehicle.

Uninsured/underinsured motorist coverage

Although Maine law requires all drivers to have car insurance, about 5% of the state’s drivers forgo coverage.^[3] Uninsured motorist coverage can help pay for your damages and injuries if an uninsured driver causes an accident. Underinsured motorist coverage comes into play if you’re hit by a driver whose liability limits are too low to fully cover your costs. Maine’s UM/UIM limits are:

• $50,000 per person

• $100,000 per accident

Medical payments coverage

Also known as MedPay, medical payments coverage can help pay for accident-related medical bills for you and your passengers. Maine requires drivers to carry at least $2,000 per person of MedPay.

Cheapest car insurance for drivers with an incident

It’s easy to make mistakes on the road. But a mistake can lead to increased car insurance costs for the long term.

Drivers with a clean driving record tend to pay less for car insurance than drivers with a driving violation, including speeding tickets, driving under the influence, and at-fault accidents. In general, the severity of the offense affects just how much your rate will increase.

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Cheapest car insurance for drivers with a speeding ticket

The breathtaking views of a coastal highway can be just the distraction you need to accidentally get a speeding ticket. After a ticket, you might encounter higher car insurance premiums. A speeding ticket indicates to insurance companies you might have a high risk of filing a claim.

The following table illustrates how a speeding ticket can affect full-coverage car insurance prices in Maine.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Progressive	117	82
USAA	118	65
Safeco	121	69
State Farm	123	66
Travelers	154	117
Liberty Mutual	156	79
Midvale Home & Auto	158	90
Foremost	180	80
GEICO	186	101
Allstate	186	101
The General	265	151
Bristol West	313	159
Dairyland	315	118

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

An at-fault accident represents another red flag to insurance companies. In general, drivers face higher auto insurance premiums after an accident, especially if they caused it.

But the rate increases vary greatly by insurance company. Here are the average full-coverage quotes for drivers with an at-fault accident in Maine:

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Progressive	105	74
USAA	106	58
Safeco	109	62
State Farm	111	60
Travelers	139	105
Liberty Mutual	140	71
Midvale Home & Auto	142	81
Foremost	162	72
GEICO	167	91
Allstate	167	91
The General	238	136
Bristol West	282	143
Dairyland	284	106

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

While many states refer to impaired driving as a DUI (driving under the influence) or a DWI (driving while intoxicated), in Maine the offense is called an OUI (operating under the influence of drugs or alcohol).^[4]

As one of the most serious moving violations, an OUI usually comes with higher car insurance premiums. Drivers with an OUI typically pay more than drivers with other types of incidents on their records, like a speeding ticket.

The table below shows how an OUI can affect car insurance quotes for Maine drivers.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Progressive	120	84
USAA	121	66
Safeco	125	71
State Farm	126	68
Travelers	159	120
Liberty Mutual	160	81
Midvale Home & Auto	162	92
Foremost	184	83
GEICO	191	104
Allstate	191	104
The General	272	155
Bristol West	322	163
Dairyland	324	121

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors in Maine

When determining premiums, insurance companies often take your age into account. In general, drivers with more experience behind the wheel pay less for car insurance.

Most drivers can expect falling car insurance premiums between ages 25 and 35, which can continue for decades. But around age 75, average rates tend to increase gradually. As a senior driver, you may face higher auto insurance costs.

Explore the average monthly quotes for senior drivers in Maine below:

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Progressive	27	19
USAA	28	15
State Farm	29	16
Safeco	29	16
Travelers	36	27
Midvale Home & Auto	37	21
Liberty Mutual	37	19
Foremost	42	19
GEICO	44	24
Allstate	44	24
The General	62	36
Bristol West	74	37
Dairyland	74	28

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens in Maine

With minimal experience behind the wheel, teen drivers represent a risk to auto insurance companies. Most young drivers face higher premiums than their more mature counterparts. It’s impossible to completely negate your age as a determining factor for rates. However, teen drivers don’t have to overpay.

As a young driver, some ways to lower your car insurance costs include getting good grades, raising your deductible, and driving a safer vehicle. Additionally, comparing rates across multiple insurance companies can help you lock in the best rates for your situation.

The following table shows the average monthly quotes from some top insurance companies for teen drivers in Maine.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Progressive	137	96
USAA	139	76
Safeco	142	81
State Farm	144	78
Travelers	181	137
Liberty Mutual	183	92
Midvale Home & Auto	185	105
Foremost	211	94
GEICO	218	118
Allstate	218	118
The General	311	178
Bristol West	368	187
Dairyland	370	139

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in Maine

Drivers in the Pine Tree State can’t avoid paying for car insurance. But the good news is that you don’t have to overpay. These strategies can help you lock in cheap car insurance:

• Ask for discounts. Discounts are available through most insurance companies. Don’t hesitate to ask if you qualify for the lowest rates.

• Shop around. Everyone has a unique situation, which affects your insurance premiums differently at different insurance companies. Shopping around can help you find cheap auto insurance for your situation.

• Increase your deductible. Most insurers compensate for a higher deductible with a lower car insurance premium. If a higher deductible for full-coverage insurance fits into your finances, consider raising it.

• Bundle insurance products. When you purchase multiple types of insurance through the same insurer, it might offer you a bundling discount.

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Maine car insurance quotes by credit tier

Maine allows insurance companies to consider your credit information when determining premiums. Drivers with a fair or poor credit score generally pay higher rates for car insurance than drivers with an excellent or good credit score. In turn, raising your credit score can help you lower your auto insurance costs.

Some strategies to help you improve your credit score include paying down debt, making on-time bill payments, and removing any mistakes from your credit report.

Maine car insurance FAQs

Insurify Insights

How Maine Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Maine below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Maine drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Chevrolet Silverado

Most Popular Car in Maine

#48

State with the Most Speeding Tickets Rank

#45

State with the Moving Violations Rank

#22

State with the Most DUIs Rank

#37

State with the most Suspended Licenses

• Accidents in Maine

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Maine is the #31 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #31
  • Percent of drivers in Maine with an accident: 8.2%
• DUIs in Maine

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Maine is the #22 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #22
  • Percent of drivers in Maine with a DUI: 1.6%
• Reckless Driving in Maine

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Maine is the #50 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #50
  • Percent of drivers in Maine with a reckless driving offense: 0.3%
• Rude Driving in Maine

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Maine is the #50 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #50
  • Percent of drivers in Maine with a rude driving violation: 0.4%
• Speeding in Maine

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Maine is the #48 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #48
  • Percent of drivers in Maine with a speeding ticket: 5.1%
• Failure to Yield Rates in Maine

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Maine is the #45 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #45
  • Percent of drivers in Maine with a failure to yield violation: 0%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.