What are my options for cheap car insurance in Maine?

Table of Contents Cheapest car insurance in MaineWhat is the average cost of car insurance

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Car insurance in Maine is among the cheapest in the nation. According to our rate estimates, full coverage plans can be as low as $535 a year. Read on to learn about the cheapest providers for different situations. 

Not every provider offers the cheapest rates or the best service, so we recommend reaching out to multiple companies as you shop and comparing car insurance quotes from leading providers.

In this article:

  • Cheapest car insurance in Maine

  • 5 car insurance options in Maine

  • Maine car insurance requirements

  • How to get car insurance in Maine

  • Frequently asked questions

  • Our methodology

Cheapest car insurance in Maine

Our cost estimates show that Auto-Owners is typically the cheapest car insurance company in Maine, with an average rate of $535 a year. Our estimates apply to full coverage insurance for a 35-year-old driver with a clean driving record and good credit score.

Many factors affect what you pay for car insurance in Maine, so we will look at a few scenarios below.

Car Insurance Company

Estimated Annual Cost*

Auto-Owners

$535

Geico

$602

USAA

$662

State Farm

$786

Travelers

$924

Progressive

$976

MetLife

$983

MMG Insurance

$991

What is the average cost of car insurance in Maine?

According to the National Association of Insurance Commissioners (NAIC), drivers in Maine paid an average of $686 for car insurance in 2018. This made it the second-cheapest state for car insurance that year. The national average in 2018 was $1,057, which means car insurance in Maine was 35% cheaper than the national average.

Cheapest Maine car insurance for young drivers

According to our full coverage rate estimates, Geico, USAA and Auto-Owners tend to provide the cheapest car insurance rates for drivers in their early 20s. Geico can be as cheap as $846, and the others follow closely behind.

Car Insurance Company

Estimated Annual Cost*

Geico

$846

USAA

$885

Auto-Owners

$895

State Farm

$1,088

Travelers

$1,185

Cheapest Maine car insurance for drivers with a speeding ticket

In Maine, having a speeding ticket will increase your car insurance rates, but how much depends on the provider you have. Our rate estimates show that Auto-Owners is generally the cheapest option for drivers with a recent ticket.

Car Insurance Company

Estimated Annual Cost*

Auto-Owners

$616

USAA

$747

State Farm

$864

Geico

$981

MMG Insurance

$1,188

Cheapest Maine car insurance for drivers with a recent accident

Auto-Owners tends to be the most affordable option for drivers with a recent accident on their record. Our full coverage rate estimates show Auto-Owners can be as cheap as $779 annually.

Car Insurance Company

Estimated Annual Cost*

Auto-Owners

$779

State Farm

$943

USAA

$1,001

Geico

$1,006

MMG Insurance

$1,219

Cheapest Maine car insurance for drivers with poor credit

If you have a poor credit score, you’ll pay more for car insurance in Maine. For this group, we found that Auto-Owners was again the most affordable option in general. Geico and USAA also provide affordable car insurance for drivers in Maine with poor credit.

Car Insurance Company

Estimated Annual Cost*

Auto-Owners

$801

Geico

$1,058

USAA

$1,071

Travelers

$1,514

MMG Insurance

$1,590

5 car insurance options in Maine

You have many options for car insurance in Maine. Here is our ranking of five of them. 

Maine Car Insurance Companies

Overall Rating

Coverage Rating

Cost Rating

1. Auto-Owners

7.6

8.0

7.5

2. Geico

9.1

8.5

8.5

3. USAA

9.1

8.5

9.5

4. State Farm

8.6

8.5

8.0

5. Liberty Mutual

8.5

8.5

7.5

(Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Maine.)

1. Auto-Owners

Auto-Owners is a midsize insurance company that operates in 26 states, including Maine. We found that Auto-Owners provides affordable full coverage rates for many Maine drivers, including those who have speeding tickets and accidents on their records or who have poor credit scores. Extra options from Auto-Owners include roadside assistance, new car replacement and rental car coverage. 

Auto-Owners highlights include:

2. Geico

We gave high overall ratings to Geico nationally, and we found Geico to be a great option in Maine, as well. The company provides affordable rates for many types of drivers. It also offers useful extras such as roadside assistance and mechanical breakdown insurance. And if you have a collectible or antique vehicle, you can insure it with Geico. 

Geico highlights include:

3. USAA

USAA is frequently one of the cheapest options in many states, and this is also true in Maine. If you are a member of the military or a veteran, or if you have close family in the military, you can get car insurance from USAA.

In addition to standard coverage options, USAA offers gap insurance, rideshare insurance, roadside assistance and more. You can also take advantage of SafePilot®, USAA’s usage-based option, to save up to 30% depending on your driving habits.

USAA highlights include:

4. State Farm 

State Farm provides affordable car insurance in Maine, and it can be a good option for students, in particular. State Farm’s Steer Clear® program helps young drivers improve their skills and awards discounts. The company also offers a generous student discount of up to 25%, which students can keep until they turn 25, even after they graduate.

Beyond standard coverage options, State Farm offers extras including rideshare insurance, roadside assistance and rental car reimbursement. 

State Farm highlights include:

  • 13 discounts

  • A+ rating from the BBB

  • A++ financial rating from AM Best

  • High scores in the J.D. Power Auto Insurance Study, J.D. Power Insurance Shopping Study and J.D. Power Auto Claims Satisfaction Study

5. Liberty Mutual

We ranked Liberty Mutual in the top five insurance providers for the entire nation, and we found the company to also be a great option in Maine. Drivers in Maine can use RightTrack®, the company’s usage-based program, to save up to 30% on auto insurance coverage based on their driving habits. Liberty Mutual also offers a number of extra coverage options, including gap insurance, original parts replacement, new car replacement and roadside assistance.

Liberty Mutual highlights include: 

Maine car insurance requirements

Maine requires drivers to carry liability car insurance, medical payments and underinsured/uninsured motorist coverage. Here are the minimum coverage details according to the State of Maine website:

  • Bodily injury liability: $50,000 per person and $100,000 per accident

  • Property damage liability: $25,000 per accident

  • Medical payments (MedPay): $2,000

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

In Maine, you can also get a combined single limit car insurance policy of $125,000 to cover the state minimum liability insurance requirements.

Be aware that no Maine auto insurance requirement covers your vehicle if you cause an accident, drive into an object or encounter damaging weather. Consider adding comprehensive insurance and collision insurance to maintain full coverage on your vehicle.

How to get car insurance in Maine

As you can see, providers offer a wide range of coverage options, car insurance discounts and usage-based programs, so it’s always important to compare car insurance quotes when you shop.

Frequently asked questions

Is car insurance required in Maine?

Yes, Maine requires drivers to carry liability insurance in the amounts of 50/100/25 and uninsured/underinsured motorist coverage in the amounts of 50/100. It also requires drivers to carry $2,000 in medical payments coverage.

What is a fair price for car insurance?

If you are a middle-aged, good driver in Maine, a fair price for car insurance is somewhere between $500 and $1,000 a year. You’ll pay more than that if you are a young driver, have a low credit score or have points on your driving record.

How much is full coverage insurance per month?

According to our estimates, full coverage car insurance in Maine can range from $40 to $80 or more per month depending on your situation. Shop around to find the best prices.

Our methodology

We created a comprehensive rating system to formulate our rankings of car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider.

Here are the factors our ratings take into account:

  • Reputation: Our research team considered market share, ratings from industry experts and years in business when giving this score.

  • Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.

  • Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.

  • Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.

  • Customer Experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

*Data accurate at time of publication.