Cheapest Car Insurance Quotes in Maine (2026)
Travelers has the cheapest full coverage car insurance in Maine, at $87 per month.
Find Cheap Car Insurance Quotes in Maine
Best cheap Maine auto insurance
Travelers and MMG are the cheapest companies for most people in Maine.
- Want full coverage? Travelers: $87/mo
- Only need minimum coverage? MMG: $35/mo
- Want the best service? Concord: $130/mo
- Have a speeding ticket? Travelers: $116/mo
- Caused an accident? MMG: $129/mo
- Need coverage for a teen? Travelers: $103/mo
- Got a DUI? Travelers: $134/mo
- Have poor credit? Travelers: $142/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage car insurance in Maine: Travelers
Travelers has the most affordable full coverage car insurance in Maine.
- Travelers charges an average of $87 per month for a full coverage policy in Maine. That's 32% cheaper than the state average. But Travelers' customer service reviews aren't very good.
- Geico is also cheaper than average in Maine, at $117 per month. And it has better customer service reviews than Travelers, which could make it a better choice for most people.
- USAA has the lowest average rates overall, at $75 per month. But only military members, veterans and some of their family members can get car insurance from USAA.
Find Cheap Car Insurance Quotes in Maine
Cheapest full coverage car insurance in Maine
Company | Monthly rate |
|---|---|
| Travelers | $87 |
| MMG | $106 |
| Geico | $117 |
| Progressive | $118 |
| USAA* | $75 |
*USAA is only available to current and former military members and their families.
Data-powered research on Maine car insurance
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, on average, liability-only coverage from MMG costs $12 per month less than the Maine state average.
- USAA has even cheaper rates, at $28 per month. But it's only available to active military members, veterans and their families.
Cheapest minimum coverage car insurance in Maine
Company | Monthly rate |
|---|---|
| MMG | $35 |
| Progressive | $36 |
| Travelers | $37 |
| Geico | $45 |
| USAA* | $28 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Maine
Average car insurance rates in Maine by city
- Travelers has the cheapest full coverage insurance in most cities and towns across Maine, including Portland. MMG has the most affordable rates in 8% of towns in Maine, most of which are smaller communities.
- Chebeague Island, located in Casco Bay, has the most affordable auto insurance quotes in Maine. Drivers on Chebeague Island pay an average of $123 per month for full coverage insurance.
- Waldoboro, a town on the coast, has the most expensive rates in Maine. At $148 per month, drivers in Waldoboro pay $25 per month more than those on Chebeague Island.
Cheapest full coverage ME car insurance near you
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Portland | $133 | Travelers | $89 |
| Lewiston | $143 | Travelers | $87 |
| Bangor | $134 | Travelers | $82 |
| South Portland | $130 | Travelers | $88 |
| Auburn | $141 | Travelers | $88 |
| Biddeford | $130 | Travelers | $88 |
| Sanford | $137 | Travelers | $91 |
| Saco | $131 | Travelers | $87 |
| Westbrook | $130 | Travelers | $86 |
| Abbot | $137 | Travelers | $79 |
| Acton | $145 | Travelers | $94 |
| Addison | $142 | Travelers | $83 |
| Albion | $137 | Travelers | $86 |
| Alfred | $136 | Travelers | $88 |
| Alna | $141 | Travelers | $86 |
| Andover | $139 | Travelers | $86 |
| Anson | $144 | Travelers | $86 |
| Ashland | $131 | Travelers | $81 |
| Athens | $146 | Travelers | $88 |
| Augusta | $139 | Travelers | $84 |
| Aurora | $141 | Travelers | $79 |
| Bailey Island | $129 | Travelers | $95 |
| Bar Harbor | $137 | Travelers | $81 |
| Bar Mills | $137 | MMG | $98 |
| Bass Harbor | $139 | Travelers | $85 |
| Bath | $132 | Travelers | $81 |
| Beals | $141 | Travelers | $85 |
| Belfast | $138 | Travelers | $81 |
| Belgrade | $146 | Travelers | $83 |
| Belgrade Lakes | $145 | Travelers | $85 |
| Benedicta | $130 | Travelers | $80 |
| Bernard | $142 | Travelers | $84 |
| Berwick | $140 | Travelers | $88 |
| Bethel | $137 | Travelers | $86 |
| Biddeford Pool | $133 | MMG | $98 |
| Bingham | $140 | Travelers | $86 |
| Birch Harbor | $141 | Travelers | $83 |
| Blaine | $127 | MMG | $89 |
| Blue Hill | $146 | Travelers | $87 |
| Boothbay | $139 | Travelers | $88 |
| Boothbay Harbor | $138 | Travelers | $89 |
| Bowdoin | $135 | Travelers | $82 |
| Bowdoinham | $134 | Travelers | $80 |
| Bradford | $139 | Travelers | $85 |
| Bradley | $133 | Travelers | $75 |
| Bremen | $145 | Travelers | $89 |
| Brewer | $133 | Travelers | $78 |
| Bridgewater | $125 | Travelers | $81 |
| Bridgton | $142 | Travelers | $95 |
| Bristol | $144 | Travelers | $89 |
| Brooklin | $145 | Travelers | $89 |
| Brooks | $142 | Travelers | $84 |
Best car insurance in Maine: Concord
-
Full coverage rate$130/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
-
Customer complaintsLowThis is based on data from the National Association of Insurance Commissioners complaint index.
-
AM Best ratingA+An A+ financial strength rating means that a company has a superior ability to pay customer claims, even in difficult financial situations. This is the second-highest rating available.
The author, Lindsay Bishop, chose the best car insurance companies in Maine based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Maine
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
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 an average of $116 per month after one ticket, which is $49 per month cheaper than average.
- Geico also has affordable rates after a speeding ticket, at $123 per month for full coverage. Geico has better customer service reviews than Travelers, so it could be a better choice for most people.
Affordable Maine auto insurance quotes after a speeding ticket
Company | Monthly rate |
|---|---|
| Travelers | $116 |
| Geico | $123 |
| MMG | $140 |
| Progressive | $165 |
| USAA* | $85 |
*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 drivers who speed are more likely to cause a future accident.
Cheapest Maine car insurance rates after an accident: MMG
- MMG has the cheapest rates for drivers in Maine after an accident, at $129 per month.
- Travelers only costs a bit more at $130 per month. That's $72 per month less than the state average.
Company | Monthly rate |
|---|---|
| MMG | $129 |
| Travelers | $130 |
| State Farm | $155 |
| Progressive | $190 |
| USAA* | $113 |
*USAA is only available to current and former military members and their families.
Having a single accident on your driving record could increase your rates by an average of 57% 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 a 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.
Cheap insurance in Maine for teens: Travelers
Travelers has the cheapest car insurance in Maine for teen drivers.
- Minimum liability coverage: A liability-only policy for an 18-year-old driver from Travelers costs an average of $103 per month. That's $50 per month less than the Maine average.
- Full coverage: At $250 per month, full coverage from Travelers for young drivers costs $156 per month less than the state average.
Best Maine car insurance quotes for young drivers
Company | Liability only | Full coverage |
|---|---|---|
| Travelers | $103 | $250 |
| Concord | $124 | $257 |
| MMG | $126 | $339 |
| Allstate | $150 | $383 |
| USAA* | $75 | $191 |
*USAA is only available to current and former military members and their families.
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.
Maine teens can also save money by choosing a car that's cheaper to insure, getting good grades in school and avoiding tickets and accidents.
Cheapest quotes in Maine for teens with a ticket or accident: Travelers
Travelers offers the cheapest rates for young drivers in Maine with a speeding ticket or accident on their record.
- Speeding ticket: With Travelers, an 18-year-old pays just $132 per month, on average, for a minimum liability policy after a ticket. That's $57 per month less than the Maine average.
- Accident: After an accident, a teen pays an average of $156 at Travelers, which is 31% less than the Maine average.
Low-cost car insurance for Maine teens with a bad record
Company | Ticket | Accident |
|---|---|---|
| Travelers | $132 | $156 |
| MMG | $159 | $163 |
| Concord | $161 | $198 |
| Geico | $177 | $241 |
| USAA* | $111 | $161 |
*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 treated as higher-risk drivers, so their rates don't go up as much — just 24% after a speeding ticket and 48% 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 $134 per month, which is $172 per month cheaper than the Maine average.
Best auto insurance rates in Maine after a DUI
Company | Monthly rate |
|---|---|
| Travelers | $134 |
| Progressive | $152 |
| MMG | $178 |
| Allstate | $194 |
| USAA* | $152 |
*USAA is only available to current and former military members and their families.
A DUI in Maine could more than double your auto insurance rates. After a DUI, you could pay an average of $177 more 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 $142 per month for a full coverage policy. That's $134 per month less than the state average.
Affordable Maine car insurance for poor credit
Company | Monthly rate |
|---|---|
| Travelers | $142 |
| MMG | $168 |
| Geico | $177 |
| Progressive | $193 |
| USAA* | $124 |
*USAA is only available to current and former military members and their families.
In Maine, a poor credit score can double your insurance rates. That's because insurance companies believe drivers with lower credit scores are more likely to file claims.
Is your car insurance company raising rates in Maine in 2026?
A handful of insurance companies have raised car insurance rates substantially in Maine in 2026. Only one company, State Farm, has meaningfully lowered rates across the state.
- ↑ Biggest increase: American Family at +13.3%
- ↓ Biggest decrease: State Farm at -9.7%
Company | 2026 rate change | 5 year rate change |
|---|---|---|
| American Family | ↑ 13.3% | ↑ 79.3% |
| Auto-Owners | ↑ 6.3% | ↑ 93.0% |
| Liberty Mutual | ↑ 2.9% | ↑ 62.5% |
| Allstate | ↑ 3.8% | ↑ 19.5% |
| AAA | ↑ 2.2% | ↑ 37.3% |
| USAA | 0.0% | ↑ 19.3% |
| The Hanover | 0.0% | ↑ 33.5% |
| Progressive | 0.0% | ↑ 41.6% |
| Travelers | 0.0% | ↑ 45.1% |
| Geico | ↓ 0.1% | ↑ 50.3% |
| Farmers | ↓ 0.6% | ↑ 56.1% |
| State Farm | ↓ 9.7% | ↑ 31.1% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
What to do if your rates went up in Maine
If your car insurance rates went up in Maine, there are a few things you can do to lower your bill.
-
Shop around for quotes from the cheapest companies in Maine, including Travelers, MMG, Geico and Progressive.
The most expensive company for full coverage insurance charges $100 per month more than the cheapest company in Maine. That could add up to a savings of $1,200 per year.
-
Look for a company with lots of discounts you qualify for. Most companies offer discounts for bundling home or renters insurance or insuring multiple cars, which can save you a lot of money.
But some companies also offer more uncommon discounts. For instance, Travelers offers a discount if you buy a new car that's less than 3 years old or drive a hybrid vehicle.
- Before you switch companies, make sure you're getting all of the discounts your current company offers. For instance, many companies offer loyalty discounts based on how long you've been a customer of theirs. But these discounts aren't always automatically applied to your policy. So it's worth calling an agent to ensure your policy is up to date.
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 bodily injury liability coverage and medical payments 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 bodily injury and property damage limits.
In Maine, driving without proof of financial responsibility is a traffic infraction that can cost you up to $500 in fines and a suspension of your driving privileges.
Potential fines and penalties for driving without insurance in Maine- Fine: $100 to $500
- Driving privileges: Suspension of your driver's license and registration until valid proof of insurance is provided
- Other penalties: Must pay any license and registration reinstatement fees and have your insurance company file an SR-22 certificate on your behalf
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 8 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 in 2026. At $87 per month, full coverage from Travelers costs $42 per month less than the Maine average. The cheapest minimum liability rates come from MMG, where a policy costs just $35 per month.
What is the average cost of car insurance in Maine?
The average cost of car insurance in Maine is $129 per month for a full coverage policy. Minimum liability coverage in Maine costs an average of $47 per month.
How much is car insurance in Bangor, Maine?
The average cost of car insurance in Bangor is $134 per month for a full coverage policy. That's $5 more per month than the state average.
Is car insurance cheaper in Maine or Massachusetts?
Full coverage car insurance in Maine is $52 per month less than a policy in Massachusetts. Minimum liability insurance in Maine is also cheaper than a Massachusetts policy, by $26 per month.
How do I find cheaper insurance in Maine?
The easier way to get the cheapest rates is by comparing quotes from multiple companies. You should also ask about discounts and get rid of any coverage you no longer need.
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 2018 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
- $50,000 of property damage liability
- $50,000 of bodily injury uninsured motorist coverage per person, and $100,000 per accident
- $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.
To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the Maine Bureau of Insurance. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
