Auto Insurance Basics

Who Has the Cheapest Auto Insurance Quotes in Maine?

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Car insurance rates can differ based on where a driver lives and parks their car, and their choice of insurers in the Pine Tree State. We analyzed auto insurance quotes across 51 cities in Maine, and found that rates can differ by as much as 85% a year - more than $2,360 difference for our sample driver's quotes between the most expensive and lowest cost car insurer. The most expensive place in Maine was Lewiston, where rates were about 8% above the state average and the cheapest was Presque Isle, where rates were about 10% under the state average. Enter your zip code for a list of insurers in your area to start searching for good rates; for more on affordable car insurance in Maine, read below.

Cheapest Auto Insurance in Maine

To find the lowest rates, we obtained quotes from a group of nine car insurance companies in Maine across 51 locations using a benchmark of a sample 30 year old male driver with a good driving record. This research showed that the cheapest five car insurance companies in Maine were found at GEICO, Patriot, Country Way Insurance, Concord, and MetLife.

This graph shows comparison of the 5 cheapest insurers in Maine against the average cost of insurance.

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Most Expensive Auto Insurance Companies in Maine

On the other hand, our profile male motorist found his highest rates at Hanover, which quoted him $3,041 for the same coverage amounts. On a statewide basis, that amounts to a difference between the most expensive and the cheapest insurer of $2,360 for our study's driver.

List of Auto Insurance Companies in Maine

How do the nine insurers surveyed compare against each other in our study? Here is a list of all nine, ranked by their average annual rates from lowest to highest:

CompanyYearly Rate
GEICO$682
Patriot Insurance$733
Vermont Mutual$876
Country Way$922
Concord$945
MetLife$991
MMG Insurance$1,024
State Farm$1,057
Hanover$3,041

Cheapest Car Insurance in Maine: by City

Our study found that the cheapest insurers also vary slightly by where a driver lives. Our benchmark motorists living in the 10 largest Maine cities typically found that the three cheapest insurers are usually GEICO, Patriot, and Vermont Mutual or Country Way. Below is a table illustrating the company and the average insurance rates our study's driver saw, followed by more detailed analysis of cheapest auto insurance companies in each of the five most populated Maine locations:

CityCompanyYearly Rate
AugustaGEICO$702
Patriot Insurance$780
Concord$864
BangorGEICO$704
Patriot Insurance$708
Country Way$912
BathGEICO$632
Patriot Insurance$720
Vermont Mutual$792
BelfastGEICO$668
Patriot Insurance$732
Country Way$912
BethelPatriot Insurance$708
GEICO$745
Vermont Mutual$840
BiddefordGEICO$628
Patriot Insurance$672
Concord$876
Blue HillGEICO$703
Patriot Insurance$768
Vermont Mutual$876
Boothbay HarborGEICO$745
Patriot Insurance$756
Vermont Mutual$816
BridgtonGEICO$707
Patriot Insurance$768
Vermont Mutual$840
BrunswickGEICO$632
Patriot Insurance$672
Vermont Mutual$828
BucksportGEICO$703
Patriot Insurance$744
Vermont Mutual$876
CalaisGEICO$686
Patriot Insurance$768
Vermont Mutual$948
CamdenGEICO$668
Patriot Insurance$732
Vermont Mutual$816
Cape ElizabethGEICO$641
Patriot Insurance$672
Country Way$900
CaribouPatriot Insurance$636
GEICO$643
Vermont Mutual$792
DamariscottaGEICO$745
Vermont Mutual$816
Patriot Insurance$828
DexterGEICO$668
Patriot Insurance$720
Vermont Mutual$900
Dover FoxcroftPatriot Insurance$696
GEICO$703
Vermont Mutual$900
EastportGEICO$686
Patriot Insurance$780
Vermont Mutual$828
EllsworthGEICO$703
Patriot Insurance$780
Vermont Mutual$876
FalmouthGEICO$641
Patriot Insurance$696
Vermont Mutual$792
GorhamGEICO$630
Patriot Insurance$732
MetLife$864
HoultonGEICO$643
Patriot Insurance$648
Vermont Mutual$792
KennebunkPatriot Insurance$600
GEICO$707
Vermont Mutual$852
KingfieldGEICO$691
Patriot Insurance$852
Vermont Mutual$900
LewistonGEICO$624
Patriot Insurance$780
Vermont Mutual$840
LincolnGEICO$703
Patriot Insurance$720
Vermont Mutual$792
Livermore FallsGEICO$745
Vermont Mutual$840
Patriot Insurance$864
MachiasGEICO$686
Patriot Insurance$744
Vermont Mutual$828
MadawaskaPatriot Insurance$648
GEICO$658
Vermont Mutual$792
MillinocketGEICO$703
Patriot Insurance$768
Vermont Mutual$792
MiloGEICO$703
Patriot Insurance$768
Vermont Mutual$900
NewportGEICO$668
Patriot Insurance$720
Country Way$936
NorwayPatriot Insurance$744
GEICO$745
Vermont Mutual$888
Old TownGEICO$668
Patriot Insurance$684
Country Way$912
PortlandGEICO$702
Patriot Insurance$708
Country Way$900
Presque IslePatriot Insurance$624
GEICO$643
Vermont Mutual$792
RocklandPatriot Insurance$624
GEICO$668
Vermont Mutual$792
RumfordPatriot Insurance$720
GEICO$745
Vermont Mutual$840
SacoGEICO$628
Patriot Insurance$684
Concord$876
SanfordGEICO$655
Patriot Insurance$708
Vermont Mutual$900
ScarboroughGEICO$641
Patriot Insurance$696
Country Way$900
SolonGEICO$691
Patriot Insurance$840
Vermont Mutual$900
South PortlandGEICO$641
Patriot Insurance$732
Country Way$900
StoningtonGEICO$703
Vermont Mutual$876
Patriot Insurance$900
WaterboroGEICO$707
Patriot Insurance$792
Vermont Mutual$840
WatervillePatriot Insurance$732
GEICO$745
Country Way$912
WestbrookGEICO$641
Patriot Insurance$708
Country Way$900
WindhamGEICO$630
Patriot Insurance$768
MetLife$864
WiscassetGEICO$745
Patriot Insurance$768
Vermont Mutual$792
YorkGEICO$655
Patriot Insurance$768
Vermont Mutual$852

Portland, ME

The largest city in the Pine Tree State, Portland is home to more than 66,000 residents who have access to many art and historical tourist attractions. The cost of a year of auto insurance coverage here was higher than the state average for our benchmark motorists, at $1,173. To find the cheapest auto insurance quotes in Portland, we recommend looking into GEICO, Patriot, Country Way Insurance. These insurers quoted on average $770 a year for our sample driver, who had excellent track records on the road.

this graph shows the five companies with the most affordable car insurance rates in Portland and compares them to the city average

Lewiston, ME

Lewiston was the #1 most expensive city for car insurance in Maine with an annual average rate of $1,224 for our sample driver - 7% higher than the state mean. Finding the most savings on auto insurance can be as easy as comparing quotes from GEICO, Patriot, and Country Way Insurance. These three carriers had the best car insurance rates in Lewiston. Annual rates from these insurers were as low as $624 a year – nearly 47% less than the Lewiston average for our motorists.

Lewiston is the second largest city in Maine with a population of over 41,000. Its residents can be reached by Interstate 95, U.S. Route 202, Maine State Route 196 and 126. Originally a successful industrial city, Lewistown’s textile industry declined after World War I. In the early 2000s, Lewistown redeveloped its old mills and expanded its business enterprises to regain economic diversification. Lewistown is home to Bates College and the University of Southern Maine Lewiston-Auburn College. The town holds many annual festivals and events. One of them is the Patrick Dempsey Challenge, a fundraiser for cancer research hosted by the actor.

This graph shows the five companies with the most affordable car insurance coverage in Lewiston and compares them to the overall average cost of insurance.

Bangor, ME

We found that the cost of insuring our benchmark drivers' cars came out to be around $896 a year when living in Bangor. To those motorists looking for the lowest auto insurance rates in Bangor, we recommend GEICO, Patriot, and Countryway Insurance based on our research. On average, our male sample driver found insurance coverage to cost around $775 a year with these companies. That is a 31% saving when compared with the city’s mean. A commercial and cultural hub in northeast Maine, Bangor is the second largest city in the state. 154,000 residents call Bangor home, and the city hosts a number of visitors from the four counties surrounding Penobscot.

South Portland, ME

For our sample motorists, coverage cost around $1,107 a year in South Portland, which was about 3% cheaper than the state’s mean.  Nevertheless, insuring with the cheapest car insurance providers in South Portland could mean as much as $350 of savings each year for those focused on saving money. For the least expensive South Portland auto insurance rates, our study results point to GEICO, Patriot, and Country Way Insurance.

This graph shows the five companies with the most affordable car insurance rates in South Portland, and compares them to the city’s average cost of insurance.

Biddeford, ME

With average annual auto insurance rates around $1,131 for our sample motorist, costs here were about the same as the state average.  We recommend drivers looking for affordable car insurance rates to check out quotes from GEICO, Patriot, and Country Way Insurance. These insurers were roughly $400 cheaper than what the typical company charged in Biddeford.

One of first sites where European settlers landed, Biddeford's early economy was based on lumber and fishing. Today, the city has recently developed with more growth centered around its downtown revitalization and healthcare industry.

This graph shows the five companies we found to offer the lowest rates for insuring our Biddeford driver's car.

Cost of Car Insurance in Maine: by City

Below is the full list of 51 cities and towns included in our Maine study. They span in costs from $1,039 on the cheapest end to $1,224 on the most expensive end. The cities and towns with the five most affordable car insurance in Maine averaged an annual rate of $1,047 for our driver. On the other hand, the five most expensive places returned an average annual rate of $1,206, a 7% premium above the state average. These cities ranged from college cities to islands to tourist attractions with populations varying from 1,000 to 41,000. 

This graph ranks the cities based on the average cost of insuring a vehicle for our sample drivers across 50+ cities and towns in Maine

Best Auto Insurance Companies in Maine

Using the number of complaints filed against a insurer – data collected from the National Auto Insurance Council – we were able to produce the complaint index of 22 auto insurance carriers in Maine. The complaint index compares the company's complaints per dollar of premium agains 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.

Auto Insurance Company Complaint Index
Amica 0.00
Main Street America Insurance 0.00
Quincy Mutual 0.00
Travelers 0.00
Metropolitan 0.26
Concord Group 0.51
Tower Group 0.55
Vermont Mutual Group 0.64
USAA 0.66
Progressive 0.72
Allstate 0.77
State Farm 0.78
MMG Insurance Co 0.92
Liberty Mutual 1.00
Hanover Insurance 1.03
Horace Mann 1.07
Auto Club Enterprises Insurance 1.43
Hartford Fire & Casualty Group 1.70
Frankenmuth 2.13
GEICO 2.38
Sentry 3.44
Farmers 4.08

How We Conducted the Study 

We compared insurance rates for one sample driver - a single 30 year old male with a good driving record – across 51 cities. He owned a 2011 Toyota Camry and drive 12,000 miles a year, mainly to commute to work. He also had a good credit score and great driving record with no accidents or violations in the past five years.

Costs were determined based on a basic liability protection program for the 2011 Camry from insurers like Liberty Mutual, Patriot, and Allstate. The state of Maine requires minimum liability coverage of $50,000 per person, $100,000 for bodily injury per accident and $25,000 for property damage.

Liability Type Maine Minimum Assumptions
Bodily Liability (per person / accident) $50,000 / $100,000 $50,000 / $100,000
Property Damage $50,000 $50,000
Uninsured Motorist   $50,000 / $100,000
Collision / Comprehensive Deductible   $500

Here are all of the cities, presented in alphabetical order from Augusta to York:

Affordability RankCityYearly Rate
19Augusta$1,127
16Bangor$1,118
27Bath$1,156
37Belfast$1,177
29Bethel$1,163
20Biddeford$1,131
49Blue Hill$1,197
35Boothbay Harbor$1,173
28Bridgton$1,157
14Brunswick$1,109
33Bucksport$1,169
45Calais$1,190
32Camden$1,166
7Cape Elizabeth$1,069
2Caribou$1,041
42Damariscotta$1,181
17Dexter$1,125
23Dover Foxcroft$1,138
43Eastport$1,183
50Ellsworth$1,198
4Falmouth$1,051
5Gorham$1,062
3Houlton$1,042
10Kennebunk$1,105
40Kingfield$1,178
52Lewiston$1,224
12Lincoln$1,107
46Livermore Falls$1,193
48Machias$1,195
6Madawaska$1,068
15Millinocket$1,117
25Milo$1,142
21Newport$1,132
41Norway$1,179
18Old Town$1,126
36Portland$1,173
1Presque Isle$1,039
26Rockland$1,152
30Rumford$1,164
22Saco$1,132
38Sanford$1,177
8Scarborough$1,077
39Solon$1,177
13South Portland$1,107
24State Average$1,141
51Stonington$1,214
31Waterboro$1,165
44Waterville$1,188
11Westbrook$1,105
9Windham$1,078
34Wiscasset$1,169
47York$1,194

Sources:

Maine Minimum Auto Insurance Requirements: http://www.mainelegislature.org/legis/statutes/29-A/title29-Asec1605.html
Population Data: http://quickfacts.census.gov/qfd/states/23000.html

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