Who Has the Cheapest Car Insurance Quotes in Maine? (2022)
Who Has the Cheapest Car Insurance Quotes in Maine? (2022)
State Farm has the best cheap car insurance quotes in Maine, at $361 per year, or $30 per month, for minimum liability coverage.
Find Cheap Auto Insurance Quotes in Maine
Your location, age, driving history and level of coverage all affect your car insurance quotes. Average quotes in Maine vary by $313 for minimum coverage and $863 for full coverage, depending on your insurer. We recommend comparing quotes from multiple companies to get the best rate.
Cheapest car insurance quotes in Maine: State Farm
State Farm offers the cheapest minimum-coverage car insurance quotes in Maine. At $361 per year, minimum-coverage policies from State Farm costs 20% less than the state average.
The average cost of car insurance in Maine is $452 per year, or $38 per month, for minimum liability.
However, active military service members, veterans and their families may find cheaper rates through USAA, at $313 per year.
Find Cheap Auto Insurance Quotes in Maine
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $361 | $30 |
| Geico | $384 | $32 |
| Concord | $417 | $35 |
| Progressive | $612 | $51 |
| Allstate | $626 | $52 |
| USAA | $313 | $26 |
USAA is only available to current and former military members and their families.
Minimum-coverage car insurance is the cheapest insurance option and meets Maine's legal requirements. However, unlike full-coverage policies, minimum coverage doesn't include comprehensive and collision insurance, which pays for damage to your vehicle 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. We recommend full-coverage auto insurance for most drivers.
Cheapest full-coverage car insurance in Maine: Concord
Concord has the most affordable full-coverage auto insurance quotes in Maine, at $818 per year, or $68 per month. That's $233 cheaper than the state average, and only $366 more per year than the average minimum-coverage policy.
Company | Annual rate | Monthly rate |
|---|---|---|
| Concord | $818 | $68 |
| State Farm | $821 | $68 |
| Geico | $915 | $76 |
| Progressive | $1,398 | $117 |
| Allstate | $1,609 | $134 |
| USAA | $746 | $62 |
USAA is only available to current and former military members and their families.
A full-coverage policy includes both comprehensive and collision coverage, which reimburse you after most car accidents, thefts, natural disasters and vandalism.
Cheap car insurance quotes for drivers with prior incidents
The cost of car insurance in Maine is typically more expensive for drivers who have received a traffic violation or DUI (driving under the influence) citation, or who have been in an at-fault accident. Insurers see these incidents as signs you are a high-risk driver.
Find Cheap Auto Insurance Quotes in Maine
Cheapest car insurance after a speeding ticket: State Farm
State Farm has the best rates for drivers with a recent speeding ticket. Its full-coverage auto insurance rate increased by 10% after a ticket, to $902 a year. In comparison, the average driver in Maine can expect a 14% increase in their insurance premium after a single speeding ticket. On the other hand, Progressive raised rates by 30%, the highest increase in the state.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $902 | $75 |
| Geico | $915 | $76 |
| Concord | $942 | $79 |
| Allstate | $1,803 | $150 |
| Progressive | $1,811 | $151 |
| USAA | $842 | $70 |
USAA is only available to current and former military members and their families.
Cheapest car insurance quotes after an accident: State Farm
Drivers in Maine with a recent at-fault accident may be able to find the cheapest full-coverage car insurance quotes at State Farm. The average cost of a full-coverage policy from State Farm after an accident is 40% cheaper than the state average of $1,646 a year.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $984 | $82 |
| Concord | $1,198 | $100 |
| Geico | $1,648 | $137 |
| Allstate | $2,309 | $192 |
| Progressive | $2,607 | $217 |
| USAA | $1,128 | $94 |
*USAA is only available to current and former military members and their families.
Having a single at-fault accident on your driving record can drastically increase your premium. Drivers in Maine can expect an increase of 57% on average, although every insurer is different. State Farm raised rates by 20% after an accident, while the most expensive insurer, Progressive, increased rates by 86%.
Cheapest car insurance quotes after a DUI: Concord
Concord offers Maine's most affordable rates for drivers with a DUI. The average annual cost is $1,377 per year — 30% cheaper than the state average.
Company | Annual rate | Monthly rate |
|---|---|---|
| Concord | $1,377 | $115 |
| Progressive | $1,571 | $131 |
| Allstate | $2,226 | $186 |
| Geico | $2,494 | $208 |
| State Farm | $2,592 | $216 |
| USAA | $1,510 | $126 |
USAA is only available to current and former military members and their families.
Getting a DUI in Maine can cause your auto insurance premium to increase by 87% on average, compared to a driver with a clean record.
Cheapest car insurance for drivers with poor credit: Geico
Geico has the cheapest car insurance rates for Maine drivers with bad credit — $1,123 a year for a full-coverage policy, which is $495 less than the state average.
Having poor credit can result in higher car insurance premiums because drivers with lower credit scores are statistically more likely to file a claim. In Maine, a poor credit score may increase your insurance rates by 54% versus a driver with an average credit score.
Company | Annual rate | Monthly rate |
|---|---|---|
| Geico | $1,123 | $94 |
| Concord | $1,140 | $95 |
| Progressive | $2,017 | $168 |
| State Farm | $2,099 | $175 |
| Allstate | $2,201 | $183 |
| USAA | $1,124 | $94 |
USAA is only available to current and former military members and their families.
Cheapest car insurance for married drivers: Concord
The cheapest auto insurance company for married drivers is Concord, which has an annual premium of $672 for full-coverage insurance — an 18% savings compared to rates for unmarried drivers.
Company | Annual rate | Monthly rate |
|---|---|---|
| Concord | $672 | $56 |
| State Farm | $821 | $68 |
| Geico | $870 | $73 |
| Progressive | $1,178 | $98 |
| Allstate | $1,551 | $129 |
| USAA | $665 | $55 |
USAA is only available to current and former military members and their families.
On average, married drivers in Maine pay 9% less for car insurance than unmarried drivers.
Cheapest car insurance quotes for young drivers in Maine: Concord
Young drivers shopping for cheap car insurance in Maine can find inexpensive rates with Concord. The company has an annual rate of $922 for minimum coverage and $1,690 for full coverage — that’s 37% and 49% cheaper than the state average, respectively.
Company | Liability only | Full coverage |
|---|---|---|
| Concord | $922 | $1,690 |
| State Farm | $1,182 | $2,590 |
| Geico | $1,349 | $3,137 |
| Allstate | $1,350 | $4,036 |
| Progressive | $3,123 | $6,705 |
| USAA | $827 | $1,905 |
USAA is only available to current and former military members and their families.
Car insurance for young drivers is more expensive than insurance for older drivers because younger individuals are less experienced and therefore more likely to get into an accident.
The average cost of minimum-coverage car insurance for young drivers in Maine is $1,459 per year, or $122 per month. That’s over $1,000 more expensive than the same policy for an adult.
Cheapest car insurance for teen drivers after a speeding ticket: Concord
Concord also offers the cheapest rates for young drivers with a recent speeding ticket — $1,062 a year for minimum-coverage insurance, which is 34% less than the state average.
Company | Annual rate | Monthly rate |
|---|---|---|
| Concord | $1,062 | $89 |
| State Farm | $1,313 | $109 |
| Geico | $1,493 | $124 |
| Allstate | $1,515 | $126 |
| Progressive | $3,348 | $279 |
| USAA | $898 | $75 |
USAA is only available to current and former military members and their families.
Speeding can cause the cost of car insurance to increase, though not as drastically as for drivers who are at fault in an accident.
Young drivers in Maine who receive a speeding ticket can expect their rates to increase by 10%, while those with a recent at-fault accident experience a 34% increase, on average.
Cheapest car insurance for young drivers after an accident: Concord
Concord has the most affordable car insurance rates for young drivers who have been in an at-fault accident. Minimum-coverage insurance from Concord costs $1,365, making it 30% cheaper than the state average.
However, Concord raises rates after an accident more than other insurers. Drivers with Concord can expect a 48% increase, while those with State Farm see prices go up 22%. Allstate increases rates for young drivers in Maine with an at-fault accident the most: 53%.
Company | Annual rate | Monthly rate |
|---|---|---|
| Concord | $1,365 | $114 |
| State Farm | $1,444 | $120 |
| Geico | $1,658 | $138 |
| Allstate | $2,065 | $172 |
| Progressive | $4,023 | $335 |
| USAA | $1,136 | $95 |
USAA is only available to current and former military members and their families.
Best car insurance companies in Maine
State Farm is the best-rated insurance company in Maine. It received top marks from our editors, high customer service scores and a superior financial strength rating.
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| State Farm | 855 | A++ | |
| Geico | 841 | A++ | |
| Progressive | 840 | A+ | |
| Allstate | 810 | A+ | |
| USAA | 887 | A++ | |
| Concord | NR | NR | A |
J.D. Power's Auto Claims Satisfaction Study is an annual nationwide survey that polls insurance customers about their experience filing claims with their insurer. Higher scores are better, and the best possible rating is 1,000.
A.M. Best's Financial Strength Rating is a letter grade that describes the overall financial health of an insurance company and its ability to pay out claims. The best score available is "A++". All of the companies we considered have a Financial Strength Rating from A.M. Best of "A" or better, meaning they have an "Excellent" or "Superior" ability to pay out claims, even in difficult economic times.
Our editor's rating is determined by analyzing each company's rates in relation to its competitors, the policy coverages it offers and customer satisfaction scores.
Average cost of car insurance in Maine by city
Drivers in Patten have the most affordable auto insurance quotes in Maine, at $977 per year, 7% cheaper than average. Penobscot drivers pay the highest rates, averaging $1,132 a year, which is 8% 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 $155-a-year difference in the cost of full-coverage car insurance between the most and least expensive locations.
City | Average annual rate | Percent from average |
|---|---|---|
| Acton | $1,050 | 0% |
| Addison | $1,074 | 2% |
| Albion | $1,077 | 2% |
| Alfred | $1,049 | 0% |
| Alna | $1,070 | 2% |
Recap of the cheapest car insurance quotes in Maine
- Minimum coverage: State Farm
- Full coverage: Concord
- After a speeding ticket: State Farm
- After an at-fault accident: State Farm
- After a DUI: Concord
- Poor credit history: Geico
- Married drivers: Concord
- Young drivers: Concord
- Young drivers after a ticket: Concord
- Young drivers after an accident: Concord
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, but we recommend that most drivers opt for a full-coverage policy, which includes protection for damage to your own vehicle, regardless of fault.
Coverage | Limit |
|---|---|
| Bodily injury liability (BI) | $50,000 per person/$100,000 per accident |
| Property damage liability (PD) | $25,000 per accident |
| Uninsured/underinsured motorist liability (UM/UIM) | $50,000 per person/$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.
Frequently asked questions
Who has the best car insurance quotes in Maine?
State Farm offers some of the most affordable rates in Maine, along with great customer service and superior financial stability scores. However, young drivers may find cheaper insurance with Concord.
How much is car insurance in Maine?
The average cost of car insurance in Maine is $452 per year, or $38 per month, for a minimum coverage policy. The average cost for full coverage is $1,051 per year, or $88 month.
How much is car insurance in Portland, Maine?
Although Portland is Maine's largest city, auto insurance rates are in line with the state average, at $1,056 a year for a full-coverage policy.
Methodology
We collected thousands of car insurance quotes from ZIP codes across Maine for the state's largest insurers. We used a sample driver with the following profile:
- 30-year-old male
- Drives a 2015 Honda Civic EX
- Average credit
The base policy for the study was a full-coverage policy with the following limits:
Coverage | Study limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
For our minimum-coverage policy, we quoted a policy with the minimum required limits in Maine.
For other rates analyses (credit score, accident history and marital status), the base policy listed above was alternated to reflect the new driver. Quotes for young drivers are based on a minimum-coverage policy.
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.