Who Has the Cheapest Car Insurance Quotes in Maine? (2023)
Who Has the Cheapest Car Insurance Quotes in Maine? (2023)
State Farm has the best cheap car insurance quote in Maine, at $308 per year, or $26 per month, for minimum liability coverage.
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 higher liability limits than state minimums, plus comprehensive and collision coverage.
We also ranked the best car insurance companies in Maine based on customer service, convenience, affordability for different drivers and coverage availability.
Cheapest car insurance quotes in Maine: State Farm
State Farm offers the cheapest minimum-coverage car insurance quotes in Maine. At $26 per month, minimum-coverage policies from State Farm cost 34% 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 a cheaper rate through USAA, at $21 per month.
Find Cheap Auto Insurance Quotes in Maine
Cheapest minimum coverage car insurance in Maine
Company | Monthly rate | |
|---|---|---|
| State Farm | $26 |
| Farmers | $33 |
| Concord | $36 |
| Travelers | $40 |
| Geico | $45 |
USAA is only available to current and former military members and their families.
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 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: State Farm
State Farm has the most affordable full-coverage auto insurance quote in Maine, at $689 per year, or $57 per month. That's nearly 40% cheaper than the state average and only $31 more per month than State Farm's minimum-coverage policy.
Company | Monthly rate |
|---|---|
| State Farm | $57 |
| Concord | $68 |
| Travelers | $82 |
| Farmers | $92 |
| Geico | $105 |
USAA is only available to current and former military members and their families.
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.
Cheap car insurance quotes for drivers with prior incidents
The cost of car insurance in Maine is typically more expensive for drivers who have a ticket or DUI (driving under the influence) citation, or who have been in an at-fault accident. Insurance companies see these incidents as signs you are a high-risk driver.
Find Cheap Auto Insurance Quotes in Maine
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. Its full-coverage auto insurance rate increases by 46% after a ticket, to $62 per month. On the other hand, Progressive raises its rate to over $200 per month, the highest increase in the state.
Company | Monthly rate |
|---|---|
| State Farm | $62 |
| Concord | $78 |
| Travelers | $108 |
| Geico | $117 |
| Allstate | $144 |
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. The average cost of a full-coverage policy from State Farm after an accident is $68 per month, 54% cheaper than the state average of $1,753 a year.
Company | Monthly rate |
|---|---|
| State Farm | $68 |
| Concord | $102 |
| Travelers | $119 |
| Farmers | $158 |
| Allstate | $185 |
Having a single at-fault accident on your driving record can drastically increase your rates. Drivers in Maine can expect an increase of 56% on average, although every company is different. State Farm raises rates by $11 per month after an accident, while the most expensive insurance company, Progressive, increases rates by $103 per month.
Cheapest car insurance quotes in Maine after a DUI: Concord
Concord has Maine's most affordable insurance rates for drivers with a DUI. The average annual cost is $114 per month for full coverage — 37% cheaper than the state average.
Company | Monthly rate |
|---|---|
| Concord | $114 |
| Travelers | $125 |
| Allstate | $177 |
| Progressive | $182 |
| State Farm | $211 |
Getting a DUI in Maine can cause your auto insurance rates to increase by 95% on average, compared to a driver with a clean record.
Cheapest car insurance for drivers with poor credit: Concord
Concord has the cheapest car insurance rate for Maine drivers with bad credit, at $1,409 per year for a full-coverage policy, which is $643 per year less than the state average.
Having poor credit can result in higher car insurance prices because insurers see drivers with lower credit scores as statistically more likely to file a claim. In Maine, a poor credit score may increase your insurance rates by 83% versus a driver with a good credit score.
Cheapest Maine car insurance for poor credit
Company | Monthly rate |
|---|---|
| Concord | $117 |
| Travelers | $134 |
| Geico | $159 |
| State Farm | $173 |
| Allstate | $194 |
Cheapest car insurance quotes for young drivers in Maine: Concord
Concord has the cheapest car insurance quotes in Maine for young drivers. The company has a monthly rate of $81 for minimum coverage and $141 for full coverage — that’s 37% and 48% cheaper than the state average, respectively.
Company | Liability only | Full coverage |
|---|---|---|
| Concord | $81 | $141 |
| State Farm | $84 | $180 |
| Travelers | $107 | $222 |
| Farmers | $125 | $373 |
| Allstate | $146 | $352 |
The average cost of minimum-coverage car insurance for 18-year-old drivers in Maine is $129 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 for teen drivers in Maine after a speeding ticket: State Farm
State Farm offers the cheapest rate for young drivers with a recent speeding ticket — $92 per month for minimum-coverage insurance, which is 57% less than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $92 |
| Concord | $93 |
| Travelers | $137 |
| Allstate | $165 |
| Farmers | $172 |
Speeding can cause the cost of car insurance to increase, though not as much as for drivers who are at fault in an accident.
Cheapest car insurance for teens after an accident: State Farm
State Farm has the most affordable car insurance rates for young drivers who have been in an at-fault accident. Minimum-coverage insurance from State Farm costs $101 per month, making it 43% cheaper than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $101 |
| Concord | $123 |
| Travelers | $157 |
| Farmers | $174 |
| Allstate | $227 |
Cheapest car insurance for married drivers: Concord
Concord has the cheapest car insurance for married drivers in Maine, with a monthly rate of $56 for full-coverage insurance — a 36% savings compared to the rate for unmarried drivers.
On average, married drivers in Maine pay 7% less for car insurance than unmarried drivers.
Cheapest car insurance quotes for married drivers
Company | Monthly rate per car |
|---|---|
| Concord | $56 |
| State Farm | $57 |
| Travelers | $82 |
| Farmers | $87 |
| Geico | $105 |
Best car insurance companies in Maine
While USAA is Maine's best-rated insurer for those who qualify, State Farm is the best-rated insurance company in Maine for most drivers.
Both companies have high customer service scores and a superior financial strength rating.
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Travelers | 829 | A++ | |
| Farmers | 815 | A |
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 $85 per month, 9% cheaper than the state average.
Vanceboro drivers pay the highest rates, averaging $101 a month, which is 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-a-month difference in the cost of full-coverage car insurance between the most and least expensive locations.
Maine car insurance quotes near you
City | Monthly cost | Percent from average |
|---|---|---|
| Abbot | $91 | -3% |
| Acton | $94 | 1% |
| Addison | $95 | 2% |
| Albion | $95 | 2% |
| Alfred | $94 | 0% |
Recap of the cheapest car insurance quotes in Maine
- Minimum coverage: State Farm
- Full coverage: State Farm
- After a speeding ticket: State Farm
- After an at-fault accident: State Farm
- After a DUI: Concord
- Poor credit history: Concord
- Young drivers: Concord
- Young drivers after a ticket: State Farm
- Young drivers after an accident: State Farm
- Married drivers: 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, with the average policy written for 50/100/25. Still, 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 (BI) liability | $50,000 per person/$100,000 per accident |
| Property damage (PD) liability | $25,000 per accident |
| Uninsured/underinsured motorist (UM/UIM) liability | $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, with minimum-coverage insurance starting at only $26 per month, along with great customer service and a superior financial stability score. 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 $39 per month, for a minimum-coverage policy. The national average cost for full coverage is $149 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 $93 per month for a full-coverage policy.
Methodology
We collected thousands of car insurance quotes from ZIP codes across Maine for the state's largest insurers. The sample driver profile used is a 30-year-old man who drives a 2015 Honda Civic EX with a good credit score.
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 |
| Medical payments coverage | $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 minimum-coverage policies, we used the minimum required limits in Maine.
For other rates analyses (credit score, accident history and marital status), the base policy listed above was altered to reflect the new driver. 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.