Who Has the Cheapest Car Insurance Quotes in Maine? (2020)
Who Has the Cheapest Car Insurance Quotes in Maine? (2020)
Find Cheap Auto Insurance Quotes in Maine
The average cost of minimum-coverage car insurance in Maine is $489 per year, or $41 per month.
Car insurance rates can differ drastically, however, based on a driver's location and coverage. We analyzed auto insurance quotes across Maine's largest cities and found rates can differ by thousands of dollars per year depending on the insurer and policy type. Full coverage policies, for example, typically cost $779 more than minimum coverage policies.
Enter your ZIP code above for a list of the best insurers near you. For more on affordable car insurance in Maine, read below.
Cheapest for minimum liability
Cheapest for full coverage
Cheapest for drivers with an accident
Best for customer service
Cheapest auto insurance in Maine
The cheapest minimum-coverage car insurance policies in Maine are offered by:
- GEICO
- Concord Group
- State Farm
These three insurance companies have average car insurance quotes of $419 per year, or $35 per month — which is 14% cheaper than the Maine average.
Find Cheap Auto Insurance Quotes in Maine
Allstate, Progressive and Metropolitan offer the most expensive car insurance rates for minimum coverage in Maine, with an average quote of $546 per year, or 12% more expensive than the state average.
| Rank | Insurer | Car insurance quote |
|---|---|---|
| 1 | GEICO | $301 |
| 2 | Concord Group | $478 |
| 3 | State Farm | $479 |
| 4 | Metropolitan | $529 |
| 5 | Progressive | $624 |
| 6 | Allstate | $772 |
| NA | USAA | $243 |
Minimum-coverage car insurance meets Maine's minimum legal requirements. Unlike full-coverage policies, minimum coverage doesn't include comprehensive and collision insurance.
Collision and comprehensive insurance reimburses car damage as a result of a collision, theft, vandalism or natural disaster — regardless of who's at fault.
While minimum coverage is typically less expensive, buying less liability coverage and forgoing comprehensive and collision coverage can be risky.
The average cost difference between full- and minimum-coverage auto insurance in Maine is $779 per year, or $65 per month.
Cheapest full-coverage car insurance in Maine
The cheapest full coverage auto insurance companies in Maine are:
- GEICO: $696
- Concord Group: $1,029
- State Farm: $1,034
These three insurers were the most affordable in Maine for full coverage, providing quotes of $920 on average, or 27% less than the state average of $1,268.
The insurance companies with the most expensive auto quotes for full coverage in Maine are:
- Allstate: $2,107
- Progressive: $1,751
- Metropolitan: $1,581
Comprehensive and collision insurance coverage, which are included in full coverage policies, reimburses you in the event of most car accidents, thefts, natural disasters and vandalism.
Cheapest full-coverage auto insurance in Maine with a prior accident
Drivers in Maine with an accident history may be able to find the cheapest full-coverage car insurance quotes at State Farm, Concord Group and GEICO.
These three insurers offer average annual rates of $1,335 per year, or $824 less than the Maine average, for full coverage policies with a prior accident history.
| Rank | Insurer | Quote before accident | Quote after accident | Difference |
|---|---|---|---|---|
| 1 | State Farm | $1,034 | $1,242 | $208 |
| 2 | Concord Group | $1,029 | $1,372 | $343 |
| 3 | GEICO | $696 | $1,391 | $695 |
| 4 | Allstate | $2,107 | $3,061 | $954 |
| 5 | Metropolitan | $1,581 | $3,395 | $1,814 |
| 6 | Progressive | $1,751 | $3,698 | $1,947 |
| NA | USAA | $681 | $955 | $274 |
Just one accident on your driving record can increase your auto insurance quotes significantly.
The difference in annual car insurance rates in Maine for a full-coverage policy with no accident history versus a policy with one accident was $891.
| Annual rate | |
|---|---|
| No accident history | $1,268 |
| One accident | $2,159 |
Best auto insurance companies in Maine
The best auto insurers in Maine, according to the complaint index, a customer satisfaction metric, are: Amica, Vermont and MMG.
Among insurers included in our rates analysis, Metropolitan, GEICO and Progressive scored the best.
Customers filed the fewest complaints against these insurers, according to data from Maine's Department of Insurance.
| Rank | Auto insurance company | Complaint index |
|---|---|---|
| 1 | Amica | 0.0 |
| 2 | Vermont | 0.0 |
| 3 | MMG | 0.3 |
| 4 | Auto-Owners | 0.5 |
| 5 | Travelers | 0.5 |
| 6 | Metropolitan | 0.7 |
| 7 | Quincy Mutual | 0.7 |
| 8 | GEICO | 0.8 |
| 9 | Progressive | 0.8 |
| 10 | Allstate | 0.9 |
| 11 | Liberty Mutual | 1.0 |
| 12 | USAA | 1.0 |
| 13 | Auto Club | 1.3 |
| 14 | State Farm | 1.3 |
| 15 | Main Street | 1.4 |
| 16 | Frankenmuth | 1.7 |
| 17 | Horace Mann | 1.8 |
| 18 | Hanover | 1.8 |
| 19 | National General | 1.9 |
| 20 | Hartford | 3.3 |
The complaint index compares each company's complaints per dollar of premium against the overall Maine auto insurance industry.
An index value of one indicates that a company's complaints are in line with the industry, while a value higher than one means the company is worse than average (the company has a higher ratio of complaints to business versus the market).
On the other hand, an index below one means a company is performing better than the average.
Maine car insurance requirements
The state of Maine requires car insurance for all drivers. If you're caught driving without proper auto insurance coverage you will face fines and license suspension.
Below we've included the minimum coverage limits for Maine motorists:
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured motorist bodily injury liability: $50,000 per person and $100,000 per accident
- Medical payments: $2,000 per person
While an auto insurance policy may meet Maine's minimum-coverage requirements, some drivers may benefit from purchasing more coverage. Maine drivers should consider higher coverage limits, as minimum-coverage policies may not be enough to fully cover the cost of damage in an expensive accident.
Cheapest car insurance in Maine by city
The lowest cost insurers in Maine vary slightly depending on where you live, though the three cheapest insurers were usually GEICO, Concord Group and State Farm.
Current or former service members, veterans and their families, however, may find even cheaper quotes with USAA, which only offers policies to these customers.
Below is a list of the cheapest auto insurance companies in Maine's largest cities and their annual rates for a full coverage policy.
| City | Insurer | Auto insurance quote |
|---|---|---|
| Auburn | GEICO | $656 |
| State Farm | $1,045 | |
| Concord Group | $1,135 | |
| Augusta | GEICO | $707 |
| Concord Group | $1,073 | |
| State Farm | $1,097 | |
| Bangor | GEICO | $708 |
| State Farm | $980 | |
| Concord Group | $1,017 | |
| Bath | GEICO | $626 |
| State Farm | $967 | |
| Concord Group | $1,092 | |
| Belfast | GEICO | $676 |
| State Farm | $1,010 | |
| Concord Group | $1,077 | |
| Berwick | GEICO | $648 |
| State Farm | $1,029 | |
| Concord Group | $1,084 | |
| Biddeford | GEICO | $612 |
| State Farm | $973 | |
| Concord Group | $1,068 | |
| Brewer | GEICO | $708 |
| State Farm | $985 | |
| Concord Group | $1,021 | |
| Brunswick | GEICO | $626 |
| State Farm | $1,004 | |
| Concord Group | $1,041 | |
| Buxton | GEICO | $711 |
| State Farm | $1,036 | |
| Concord Group | $1,063 | |
| Cape Elizabeth | GEICO | $636 |
| State Farm | $1,013 | |
| Concord Group | $1,051 | |
| Caribou | GEICO | $653 |
| Concord Group | $978 | |
| State Farm | $1,000 | |
| Eliot | GEICO | $648 |
| State Farm | $1,024 | |
| Concord Group | $1,046 | |
| Ellsworth | GEICO | $711 |
| State Farm | $999 | |
| Concord Group | $1,024 | |
| Fairfield | GEICO | $755 |
| State Farm | $970 | |
| Concord Group | $1,019 | |
| Falmouth | GEICO | $636 |
| State Farm | $1,054 | |
| Concord Group | $1,124 | |
| Farmington | GEICO | $699 |
| Concord Group | $1,055 | |
| State Farm | $1,069 | |
| Freeport | GEICO | $626 |
| Concord Group | $1,019 | |
| State Farm | $1,027 | |
| Gorham | GEICO | $622 |
| Concord Group | $1,063 | |
| State Farm | $1,113 | |
| Gray | GEICO | $622 |
| Concord Group | $1,058 | |
| State Farm | $1,077 | |
| Hampden | GEICO | $708 |
| State Farm | $975 | |
| Concord Group | $1,010 | |
| Houlton | GEICO | $653 |
| Concord Group | $943 | |
| State Farm | $1,028 | |
| Kennebunk | GEICO | $711 |
| Concord Group | $1,028 | |
| State Farm | $1,064 | |
| Kittery | GEICO | $648 |
| State Farm | $1,024 | |
| Concord Group | $1,070 | |
| Lebanon | GEICO | $648 |
| Concord Group | $1,045 | |
| State Farm | $1,054 | |
| Lewiston | GEICO | $656 |
| State Farm | $1,041 | |
| Concord Group | $1,164 | |
| Lisbon | GEICO | $759 |
| State Farm | $1,100 | |
| Concord Group | $1,109 | |
| New Gloucester | GEICO | $711 |
| State Farm | $1,047 | |
| Concord Group | $1,076 | |
| Oakland | GEICO | $759 |
| Concord Group | $1,038 | |
| State Farm | $1,082 | |
| Old Orchard Beach | GEICO | $612 |
| State Farm | $946 | |
| Concord Group | $1,091 | |
| Old Town | GEICO | $676 |
| Concord Group | $961 | |
| State Farm | $974 | |
| Orono | GEICO | $676 |
| State Farm | $960 | |
| Concord Group | $1,182 | |
| Portland | GEICO | $686 |
| Concord Group | $1,118 | |
| State Farm | $1,156 | |
| Presque Isle | GEICO | $653 |
| State Farm | $977 | |
| Concord Group | $1,002 | |
| Rockland | GEICO | $676 |
| State Farm | $981 | |
| Concord Group | $1,018 | |
| Rumford | GEICO | $759 |
| State Farm | $1,021 | |
| Concord Group | $1,087 | |
| Saco | GEICO | $612 |
| State Farm | $972 | |
| Concord Group | $1,105 | |
| Sanford | GEICO | $648 |
| Concord Group | $1,036 | |
| State Farm | $1,048 | |
| Scarborough | GEICO | $636 |
| Concord Group | $1,040 | |
| State Farm | $1,079 | |
| Skowhegan | GEICO | $699 |
| Concord Group | $1,031 | |
| State Farm | $1,069 | |
| South Berwick | GEICO | $648 |
| State Farm | $1,024 | |
| Concord Group | $1,089 | |
| South Portland | GEICO | $636 |
| State Farm | $1,013 | |
| Concord Group | $1,066 | |
| Standish | GEICO | $622 |
| State Farm | $1,050 | |
| Concord Group | $1,081 | |
| Topsham | GEICO | $626 |
| State Farm | $995 | |
| Concord Group | $1,078 | |
| Turner | GEICO | $759 |
| Concord Group | $1,074 | |
| State Farm | $1,138 | |
| Waterboro | GEICO | $711 |
| State Farm | $1,045 | |
| Concord Group | $1,107 | |
| Waterville | GEICO | $759 |
| State Farm | $1,067 | |
| Concord Group | $1,096 | |
| Wells | GEICO | $648 |
| State Farm | $1,011 | |
| Concord Group | $1,067 | |
| Westbrook | GEICO | $636 |
| State Farm | $1,044 | |
| Concord Group | $1,071 | |
| Winthrop | GEICO | $759 |
| Concord Group | $1,051 | |
| State Farm | $1,082 |
Drivers seeking to pay less on car insurance should compare quotes from multiple insurers. To help you find the best rates in Maine, we identified the cheapest insurers for a full-coverage policy in:
Cheap car insurance in Portland, Maine
- Average annual auto insurance quote in Portland = $1,284
- 1% more expensive than Maine average
The cost of a year of auto insurance coverage for Portland locals was in line with the Maine average. To find the cheapest auto insurance quotes near you in Portland, we recommend looking into GEICO, State Farm or Concord Group. These insurers quoted, on average, $945 a year, or 26% less than the mean Portland rate.
Cheap car insurance in Lewiston, Maine
- Average annual auto insurance quote in Lewiston = $1,286
- 1% more costly than Maine average
Car insurance costs in Lewiston were similar to the Maine average, though drivers can always benefit from comparing quotes. The most expensive carrier in our study, Allstate ($2,145), cost $1,489 than the cheapest, GEICO ($656).
Cheap car insurance in Bangor, Maine
- Average annual auto insurance quote in Bangor = $1,270
- Comparable to Maine average
We found that the cost of insuring our benchmark driver in Bangor was equivalent to the state average. For motorists looking for the lowest auto insurance rates in Bangor, we recommend GEICO, State Farm and Concord Group. On average, full coverage insurance coverage cost $902 a year with these companies, or 29% less than the Bangor mean.
Cheap car insurance in South Portland, Maine
- Average annual auto insurance quote in South Portland = $1,202
- 5% cheaper than Maine average
Nevertheless, insuring with the cheapest car insurance provider in South Portland, GEICO, could mean as much as $566 in savings each year. Indeed, the most expensive insurers in South Portland cost 3.2 times the amount of the cheapest.
Cheap car insurance in Auburn, Maine
- Average annual auto insurance quote in Auburn = $1,284
- 1% more expensive than Maine average
We recommend Auburn drivers looking for affordable car insurance rates to get quotes from GEICO, Concord Group and State Farm. These insurers were more than $300 cheaper than the average car insurance quote in Auburn.
Average cost of car insurance in Maine
The average cost of full-coverage car insurance in Maine is $1,268 per year, or $106 per month.
The cheapest cities in Maine for full coverage are:
- Houlton
- Caribou
- Presque Isle
The most expensive Maine cities are:
- Waterville
- Winthrop
- Ellsworth
Where you live is a major factor in determining auto insurance quotes. Below is a list of Maine cities by their average cost of car insurance, from cheapest to most expensive.
| Rank | City | Car insurance quote |
|---|---|---|
| 1 | Houlton | $1,181 |
| 2 | Caribou | $1,182 |
| 3 | Presque Isle | $1,183 |
| 4 | Cape Elizabeth | $1,200 |
| 5 | South Portland | $1,202 |
| 6 | Biddeford | $1,203 |
| 7 | Old Orchard Beach | $1,207 |
| 8 | Westbrook | $1,207 |
| 9 | Saco | $1,208 |
| 10 | Kennebunk | $1,213 |
| 11 | Brunswick | $1,214 |
| 12 | Falmouth | $1,217 |
| 13 | Scarborough | $1,217 |
| 14 | Freeport | $1,218 |
| 15 | Wells | $1,219 |
| 16 | Topsham | $1,222 |
| 17 | Sanford | $1,225 |
| 18 | Bath | $1,231 |
| 19 | Gray | $1,233 |
| 20 | Gorham | $1,236 |
| 21 | Standish | $1,238 |
| 22 | Eliot | $1,244 |
| 23 | Kittery | $1,247 |
| 24 | Rockland | $1,251 |
| 25 | Buxton | $1,252 |
| 26 | Belfast | $1,253 |
| 27 | Hampden | $1,257 |
| 28 | Berwick | $1,259 |
| 29 | Brewer | $1,259 |
| 30 | Lebanon | $1,259 |
| 31 | South Berwick | $1,259 |
| 32 | Portland | $1,261 |
| 33 | Waterboro | $1,262 |
| 34 | New Gloucester | $1,267 |
| 35 | Bangor | $1,270 |
| 36 | Old Town | $1,270 |
| 37 | Farmington | $1,275 |
| 38 | Auburn | $1,284 |
| 39 | Skowhegan | $1,284 |
| 40 | Orono | $1,285 |
| 41 | Lewiston | $1,286 |
| 42 | Lisbon | $1,290 |
| 43 | Oakland | $1,295 |
| 44 | Fairfield | $1,299 |
| 45 | Augusta | $1,303 |
| 46 | Turner | $1,305 |
| 47 | Rumford | $1,308 |
| 48 | Ellsworth | $1,309 |
| 49 | Winthrop | $1,309 |
| 50 | Waterville | $1,314 |
Methodology
We collected auto insurance quotes for Maine cities from seven car insurance companies.
Our sample driver was a 30-year-old man who drives a 2015 Honda Civic EX. He had no credit history, which makes him comparable to drivers with below-average credit, according to our data source, Quadrant Information Services.
Unless otherwise noted, our sample driver held full-coverage car insurance with the following limits:
| Coverage type | Study limits |
|---|---|
| Bodily liability | $50,000 per person/$100,000 per accident |
| Property damage | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
For a minimum-coverage policy, our sample driver had coverage equivalent to the minimum Maine state requirements.
Average premiums are for illustrative purposes, as individual quotes will differ based on driving history, ZIP code, vehicle type, coverage limits and other factors.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.