Cheapest Car Insurance Quotes in Maine (2025)
Travelers has the cheapest full coverage car insurance in Maine, at $78 per month.
Find Cheap Car Insurance Quotes in Maine
Best cheap Maine auto insurance
How we chose the top companies
Best and cheapest car insurance in Maine
- Cheapest full coverage: Travelers, $78/mo
- Cheapest minimum liability: MMG, $34/mo
- Cheapest for young drivers: Travelers, $98/mo
- Cheapest after a ticket: Travelers, $103/mo
- Cheapest after an accident: State Farm, $97/mo
- Cheapest for teens after a ticket: State Farm, $64/mo Concord, $119/mo
- Cheapest after a DUI: Travelers, $119/mo
- Cheapest for poor credit: Travelers, $127/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Concord and State Farm offer the best mix of low rates and great customer service in Maine.
State Farm offers online quotes, which makes it the best choice for Maine drivers looking to compare rates quickly. You'll need to work with a local independent insurance agent to get a quote from Concord.
Cheapest car insurance in Maine: Travelers
Travelers has the most affordable full coverage car insurance in Maine.
At $78 per month, full coverage from Travelers is $25 per month less than the state average.
Concord and State Farm also offer rates that are cheaper than average, and both companies have better customer service reviews than Travelers. That could be important if you're ever in an accident and you need to get back on the road quickly.
Find Cheap Car Insurance Quotes in Maine
The average cost of car insurance in Maine is $104 per month for a full coverage policy. That's $72 per month less than the national average.
Cheapest full coverage car insurance in Maine
Company | Monthly rate | |
|---|---|---|
| Travelers | $78 |
| MMG | $91 |
| Concord | $92 |
| State Farm | $97 |
| Geico | $105 |
*USAA is only available to current and former military members and their families.
Maine drivers with military ties can get even cheaper rates from USAA. Full coverage from USAA costs just $63 per month, which is $14 per month less than Travelers. However, only military members, veterans and some of their family members can buy USAA.
Cheapest liability insurance quotes in Maine: MMG
MMG, a smaller regional company, offers the cheapest minimum liability car insurance quotes in Maine.
At $35 per month, liability-only coverage from MMG costs $11 per month less than the Maine average.
Cheapest minimum coverage car insurance in Maine
Company | Monthly rate |
|---|---|
| MMG | $34 |
| Travelers | $38 |
| State Farm | $41 |
| Geico | $45 |
| Concord | $46 |
*USAA is only available to current and former military members and their families.
Active military members, veterans and their families may find cheaper rates through USAA, at $24 per month.
Find Cheap Car Insurance Quotes in Maine
Cheap insurance in Maine for young drivers: Travelers and Concord
Travelers has the cheapest minimum liability car insurance in Maine for teen drivers. A liability-only policy from Travelers costs $98 per month for an 18-year-old driver. That's $48 per month less than the Maine average.
Young drivers should also compare rates from Concord. It only costs an average of $5 per month more than Travelers, but Concord has much better customer service reviews. That may be worth the extra cost for young drivers, who are more likely to be in an accident, because Concord will probably get you back on the road faster after a crash.
Concord has the most affordable full coverage quotes for teens. At $190 per month, full coverage from Concord costs $146 per month less than the state average.
Best Maine car insurance quotes for teens
Company | Liability only | Full coverage |
|---|---|---|
| Travelers | $98 | $209 |
| Concord | $103 | $190 |
| MMG | $123 | $295 |
| State Farm | $134 | $297 |
| Geico | $159 | $356 |
*USAA is only available to current and former military members and their families.
USAA has even cheaper rates for young drivers. However, it's only available to people affiliated with the military.
The best way for teen drivers in Maine to get cheaper insurance rates is by sharing a policy with their parents or an older relative. A shared policy typically costs less than buying two separate policies.
Cheapest auto insurance in Maine after a speeding ticket: Travelers
Travelers has the best quotes for Maine drivers with a recent speeding ticket. A full coverage policy from Travelers costs $103 per month after one ticket, which is $29 per month cheaper than average.
State Farm also has affordable rates after a speeding ticket, at $104 per month for full coverage. State Farm's customer service reviews are better than Travelers, so it's likely a better choice for most people.
Affordable Maine auto insurance quotes after a speeding ticket
Company | Monthly rate |
|---|---|
| Travelers | $103 |
| State Farm | $104 |
| Concord | $106 |
| Geico | $111 |
| MMG | $120 |
*USAA is only available to current and former military members and their families.
In Maine, car insurance rates go up by an average of 28% after a single speeding ticket. That's because insurance companies believe that drivers who speed are more likely to cause a future accident.
Cheapest car insurance quotes after an accident: State Farm
State Farm has the cheapest rates for drivers in Maine after an accident, at $97 per month. That's $64 per month less than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $97 |
| MMG | $112 |
| Travelers | $115 |
| Concord | $145 |
| Progressive | $176 |
*USAA is only available to current and former military members and their families.
Having a single accident on your driving record will increase your rates by an average of 56% in Maine.
You don't have to stress about your rates going up right after an accident. That's because your rates won't increase until your current policy comes up for renewal.
You should get a notice in the mail with your new rates a few weeks to one month before your policy renews. That's a good time to get quotes from multiple companies so you can find the best price for you.
Cheapest quotes in Maine for teens with a ticket or accident: Concord or State Farm
Concord offers the cheapest rates for young drivers in Maine with a speeding ticket on their records. At Concord, an 18-year-old pays just $119 per month for a minimum liability policy after a ticket. That's $54 per month less than the Maine average.
State Farm has the cheapest insurance for teens after an accident. At $134 per month, minimum liability insurance from State Farm costs $74 less per month than the state average.
Low-cost car insurance for Maine teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Concord | $119 | $165 |
| Travelers | $126 | $148 |
| State Farm | $146 | $134 |
| MMG | $154 | $159 |
| Geico | $177 | $241 |
*USAA is only available to current and former military members and their families.
Just like older drivers, younger drivers pay more for car insurance after they get a speeding ticket or cause a crash. But teens are already higher-risk drivers, so their rates don't go up as much — just 19% after a speeding ticket and 42% for a crash.
Cheap auto insurance in Maine after a DUI: Travelers
Travelers has the most affordable insurance quotes in Maine for drivers with a DUI. Full coverage from Travelers costs an average of $119 per month, which is $79 per month cheaper than the Maine average.
Best auto insurance in Maine after a DUI
Company | Monthly rate |
|---|---|
| Travelers | $119 |
| Progressive | $128 |
| MMG | $153 |
| Concord | $155 |
| Allstate | $196 |
*USAA is only available to current and former military members and their families.
A DUI in Maine will raise your auto insurance rates an average of 89%. That's an increase of $94 per month for a full coverage policy.
Cheapest car insurance in Maine for drivers with poor credit: Travelers
Travelers has the cheapest car insurance rate for Maine drivers with bad credit, at $127 per month for a full coverage policy. That's $93 per month less than the state average.
Affordable Maine car insurance for poor credit
Company | Monthly rate |
|---|---|
| Travelers | $127 |
| MMG | $146 |
| Geico | $159 |
| Concord | $161 |
| Progressive | $189 |
*USAA is only available to current and former military members and their families.
In Maine, a poor credit score can double your insurance rates. Poor credit can result in higher car insurance prices because insurance companies believe drivers with lower credit scores are more likely to file claims.
Best car insurance in Maine
State Farm is the best-rated auto insurance company in Maine for most people.
State Farm offers a great mix of reliable customer service, useful coverage options and affordable rates.
USAA is the best company for Maine drivers with military ties. It has a reputation for excellent customer service, and it has some of the cheapest quotes in Maine.
Top Maine auto insurance companies
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA* | 739 | A++ | |
| State Farm | 657 | A++ | |
| MMG | NR | A | |
| Geico | 637 | A++ | |
| Concord | NR | A+ |
*USAA is only available to military members, veterans and their families.
Average car insurance cost in Maine by city
Chebeague Island, located in Casco Bay, has the most affordable auto insurance quotes in Maine.
Drivers on Chebeague Island pay an average of $98 per month for full coverage insurance.
Center Lovell, a neighborhood in the town of Lovell, has the most expensive rates in Maine. At $115 per month, drivers in Center Lovell pay $17 per month more than those on Chebeague Island.
Cheap ME car insurance near you
City | Monthly rate | % from average |
|---|---|---|
| Abbot | $103 | -3% |
| Acton | $112 | 5% |
| Addison | $109 | 2% |
| Albion | $109 | 2% |
| Alfred | $107 | 0% |
What are the minimum requirements for car insurance in Maine?
Maine drivers must have a minimum amount of liability insurance to drive legally. This requirement is sometimes written as 50/100/25. Maine drivers also need matching uninsured and underinsured motorist liability coverage and medical payment coverage. This is more coverage than most states require.
- 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 get a combined liability limit of $125,000, instead of separate personal injury and property damage limits.
What's the best car insurance coverage for ME drivers?
Full coverage car insurance is the best choice for most drivers in Maine.
Full coverage pays for most types of damage to your car because it includes comprehensive and collision coverage. For that reason, most lenders require you to have full coverage if you have a car loan or lease. It's also a good idea if your car is less than eight years old or worth more than $5,000.
Full coverage usually has higher liability limits than the state requirement as well. This is important because the minimum insurance required in Maine may not be enough to cover the cost of a serious accident.
For example, if you hit and total a brand new car, $25,000 of property damage liability coverage may not be enough to replace it. That means you'll have to pay the difference out of pocket.
Frequently asked questions
Who has the cheapest auto insurance in Maine?
Travelers has the cheapest full coverage quotes in Maine, at $78 per month. The cheapest minimum liability rates come from MMG, where a policy costs just $34 per month.
What is the average cost of car insurance in Maine?
The average cost of car insurance in Maine is $104 per month for a full coverage policy. Minimum liability coverage in Maine costs an average of $45 per month.
How much is car insurance in Bangor, Maine?
The average cost of car insurance in Bangor is $105 per month for a full coverage policy. That's $1 more per month than the state average, and the same price that drivers in Portland, ME, pay for auto insurance.
Is car insurance cheaper in Maine or Massachusetts?
Full coverage car insurance in Maine is $41 per month less than a policy in Massachusetts. Minimum liability insurance in Maine is also cheaper than a Massachusetts policy by $6 per month.
Methodology
ValuePenguin collected thousands of car insurance quotes from ZIP codes across Maine for the state's largest insurance companies. Rates are for a 30-year-old man who owns a 2015 Honda Civic EX with a good credit score.
Quotes are for a full coverage policy with 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
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company 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.
