Cheapest Car Insurance Quotes in Maine (2024)

Concord has the best cheap car insurance in Maine, at $847 per year or $71 per month for full coverage.

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Best cheap car insurance companies in Maine

To help you find the best cheap car insurance in Maine, our editorial team collected quotes from top car insurance companies across each ZIP code in the state.

Quotes for minimum coverage meet the Maine state minimum requirements of $50,000 in bodily injury liability coverage per person and $100,000 per accident, $50,000 in uninsured motorist bodily injury liability per person and $100,000 per accident, $25,000 in property damage liability insurance and $2,000 in medical payments coverage per person. Quotes for full-coverage policies include comprehensive and collision coverage.

Our experts also ranked the best car insurance companies in Maine based on customer service, convenience, affordability for different drivers and coverage availability.

Cheapest car insurance in Maine: Concord

Concord has the most affordable full-coverage auto insurance quote in Maine, at $71 per month, or $847 per year.

That's 23% cheaper than the state average.

State Farm also offers competitive prices for car insurance, charging $73 per month for full coverage. That's 21% cheaper than the Maine average.

Cheapest car insurance companies in Maine

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Cheapest full-coverage car insurance in Maine

Company
Monthly rate
Concord logo
Concord$71
State Farm logo
State Farm$73
MMG logo
MMG$75
Travelers logo
Travelers$80
Geico logo
Geico$105
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*USAA is only available to current and former military members and their families.

Cheapest liability insurance quotes in Maine: State Farm

State Farm offers the cheapest minimum-coverage car insurance quotes in Maine. At $30 per month, minimum-coverage policies from State Farm cost 27% less than the state average.

The average cost of car insurance in Maine is $501 per year, or $42 per month, for minimum liability.

Cheapest minimum-coverage car insurance in Maine

Company
Monthly rate
State Farm$30
MMG$31
Concord$39
Travelers$40
Farmers$40
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*USAA is only available to current and former military members and their families.

However, active military service members, veterans and their families may find a cheaper rate through USAA, at $22 per month.


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Cheapest car insurance quotes for young drivers in Maine: Concord

Concord has the cheapest widely accessible car insurance quotes in Maine for young drivers. The company has a monthly rate of $85 for minimum coverage and $147 for full coverage. That’s 37% and 52% cheaper than the state average, respectively.

USAA has even cheaper rates for young drivers who want a minimum-coverage policy, charging just $58 per month. However, it's only available to people affiliated with the military.

Company
Liability only
Full coverage
Concord$85$147
State Farm$99$227
Travelers$105$218
MMG$113$245
Farmers$156$490
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The average cost of minimum-coverage car insurance for 18-year-old drivers in Maine is $136 per month. That’s more than three times the cost of the same policy for a 30-year-old.

Car insurance for young drivers is more expensive than insurance for older drivers because younger people are less experienced and more likely to get into an accident.


Cheapest car insurance in Maine after a speeding ticket: State Farm

State Farm has the best rates for Maine drivers with a recent speeding ticket, with an average of $79 per month. Its full-coverage auto insurance rate increases by 8% after a ticket.

Company
Monthly rate
State Farm$79
Concord$81
MMG$99
Travelers$106
Geico$117
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Insurance companies have found that drivers who speed are more willing to take risks on the road and get in more accidents. As a result, they pay 25% more each month for car insurance on average.


Cheapest car insurance quotes after an accident: State Farm

State Farm has the cheapest rates for drivers in Maine with a recent at-fault accident, charging $85 per month. That's 39% cheaper than the state average of $140 per month.

Company
Monthly rate
State Farm$85
MMG$93
Concord$106
Travelers$118
Progressive$176
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Having a single at-fault accident on your driving record can drastically increase your rates. Drivers in Maine can expect an increase of 52% on average, although every company is different. State Farm raises rates by just $12 per month after an accident. Farmers customers will see the biggest increase, at $87 each month.


Cheapest car insurance for young Maine drivers after a ticket or accident: Concord or State Farm

Concord offers the cheapest rate for young drivers in Maine with a recent speeding ticket on their record. At Concord, an 18-year-old will pay just $98 per month for minimum coverage after a ticket.

State Farm has the cheapest insurance for teens after an accident, at $119 per month for minimum coverage.

Company
Ticket
Accident
Concord$98$130
State Farm$108$119
Travelers$135$153
MMG$142$146
Geico$177$241
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Just like older drivers, younger drivers pay more for car insurance after they receive a speeding ticket or are at fault in a crash. But teens are already higher-risk drivers, so the impact they see on their rates after one of these incidents is relatively small — just 17% after a speeding ticket, and 36% for a crash.


Cheapest car insurance quotes in Maine after a DUI: Concord

Concord has Maine's most affordable insurance rates for drivers with a DUI. Its average cost is $119 per month for full coverage. That's 41% cheaper than the state average of $202 per month.

Company
Monthly rate
Concord$119
Travelers$123
MMG$126
Progressive$128
Allstate$184
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Getting a DUI in Maine can cause your auto insurance rates to more than double. It's among the most serious driving violations, and drivers who are caught drunk behind the wheel pay much more for coverage because they're deemed risky to insure.


Cheapest car insurance for drivers with poor credit: MMG

MMG has the cheapest car insurance rate for Maine drivers with bad credit, at $121 per month for a full-coverage policy, which is 40% less than the state average.

Concord is also a great choice for drivers with poor credit, at $122 per month.

Cheapest Maine car insurance for poor credit

Company
Monthly rate
MMG$121
Concord$122
Travelers$132
Geico$159
Progressive$189
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Having poor credit can result in higher car insurance prices because insurers see drivers with lower credit scores as more likely to file a claim. In Maine, a poor credit score can increase your insurance rates compared to a driver with a good credit score.

Best car insurance companies in Maine

USAA and State Farm are the best-rated insurers in Maine.

Both companies have high customer service scores and a superior financial strength rating. That means their customers are likely to have their claims and other issues resolved quickly, should any arise. But USAA is only available if you have served in the military or have a parent or spouse who has had USAA coverage at some point in their lives.

Company
Editor's rating
J.D. Power
AM Best
USAA
881A++
State Farm
842A++
Concord
NRA+
Geico
835A++
Travelers
829A++
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Average cost of car insurance in Maine by city

Drivers in Presque Isle have the most affordable auto insurance quotes in Maine, with an average rate of $84 per month for full coverage, 8% cheaper than the state average.

West Poland drivers pay the highest rates, averaging $100 a month, or 9% higher than average.

Where you live can impact your car insurance quotes as much as your driving habits. However, rates in Maine don't have a wide range from city to city. There is only a $16-per-month difference in the cost of full-coverage car insurance between the most and least expensive locations statewide.

Cheap ME car insurance near you

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City
Monthly rate
% from average
Abbot$88-4%
Acton$954%
Addison$943%
Albion$943%
Alfred$920%
Show All Rows
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Minimum requirements for auto insurance coverage in Maine

As in nearly every state, Maine drivers are required to have a minimum amount of liability insurance to drive legally. The legal requirement in Maine provides more liability coverage than most states, with a minimum policy written for 50/100/25.

Coverage
Limit
Bodily injury (BI) liability$50,000 per person and $100,000 per accident
Property damage (PD) liability$25,000 per accident
Uninsured and underinsured motorist (UM/UIM) liability$50,000 per person and $100,000 per accident
Medical payments$2,000 per person

Drivers can also satisfy the liability requirement with a combined liability limit of $125,000.

Still, it's a good idea to get a full-coverage policy, which includes protection for damage to your own vehicle, regardless of fault.

What's the best car insurance coverage for ME drivers?

Minimum-coverage car insurance is the cheapest insurance option that meets Maine's legal requirements. However, unlike full-coverage policies, minimum coverage doesn't include comprehensive and collision insurance, which pay for damage to your vehicle as a result of a collision, theft, vandalism or natural disasters, regardless of who's at fault.

A full-coverage policy includes both comprehensive and collision coverage, which cover damage to your car after most car accidents, thefts, natural disasters and vandalism.

While minimum coverage is typically less expensive, buying less liability coverage and forgoing comprehensive and collision coverage can be risky. We recommend full-coverage auto insurance for most drivers.

Frequently asked questions

Who has the best car insurance quotes in Maine?

Concord offers some of the most affordable rates in Maine, with full-coverage insurance starting at only $71 per month, along with great customer service and a superior financial stability score. State Farm has the best price for minimum-liability coverage, at $30 per month.

How much is car insurance in Maine?

The average cost of car insurance in Maine is $92 per month, or $1,100 per year, for a full-coverage policy. The national average cost for full coverage is $165 a month.

How much is car insurance in Portland, Maine?

Although Portland is Maine's largest city, its average auto insurance rate is in line with the state average, at $92 per month for a full-coverage policy.

Methodology

ValuePenguin collected thousands of car insurance quotes from ZIP codes across Maine for the state's largest insurers. Rates are for a 30-year-old man who drives a 2015 Honda Civic EX with a good credit score.

The full-coverage policies used have comprehensive and collision coverage.

  • $50,000 of bodily injury liability coverage per person, and $100,000 per accident
  • $25,000 of property damage liability
  • $50,000 of bodily injury uninsured motorist coverage per person, and $100,000 per accident
  • $25,000 of uninsured motorist coverage for property damage
  • $2,000 of medical payments coverage per person
  • Collision and comprehensive coverage with a $500 deductible

Minimum-coverage policies use the minimum required limits in Maine. Quotes for young drivers are based on a minimum-coverage policy unless otherwise noted.

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.