We reviewed all of the top auto insurance companies in Maine and found that MetLife has the best rates for drivers, with a minimum coverage rate of $364.
To get your lowest rates, you should compare quotes from at least three companies. Type your ZIP code into the box above to start shopping among the top providers near you, or read on to learn which companies feature the lowest premiums in your city.
Cheapest auto insurance in Maine: MetLife
The cheapest minimum coverage car insurance policies in Maine are offered by MetLife ($364) followed closely by State Farm ($386) and Geico ($425). Furthermore, the average cost of minimum auto insurance in Maine is $445, making MetLife 18% cheaper than the statewide average.
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However, even though MetLife is the cheapest for most drivers, if you are an active service member or a veteran, you can get cheaper rates for minimum coverage through USAA at $253 per year.
Minimum coverage car insurance meets Maine's minimum legal requirements. Unlike full coverage policies, minimum coverage doesn't include comprehensive and collision insurance.
Collision and comprehensive insurance reimburses car damage 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.
Cheapest company for full coverage: Geico
For full coverage, the cheapest auto insurance company would be Geico with its average cost of $984, which ends up being 23% cheaper than the statewide average. Another cheap option for a full coverage plan would be Concord Group, which has an annual cost of $1,033.
Overall, a full coverage plan provides more coverage in case you get in an accident. Furthermore, comprehensive and collision insurance coverage, which are included in full coverage policies, reimburses you in the event of most car accidents, thefts, natural disasters and vandalism.
Cheap car insurance for drivers with prior incidents
The average cost of full coverage car insurance in Maine will typically be greater for drivers who have received a citation for a traffic violation, who have received a DUI (driving under the influence) or who have been in one at-fault accident. Given this, we decided to take a deeper look at the following profiles for drivers who have:
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Cheapest for drivers with an accident: State Farm
Drivers in Maine with an accident history may be able to find the cheapest full coverage car insurance quotes at State Farm. The average cost of State Farm full coverage after an accident ends up being 37% cheaper than the state average.
Having just one auto insurance accident on your driving record can drastically increase your premiums when you go to renew or get a new plan. When comparing a full coverage with an accident profile to a standard full coverage one, the accident can cause an increase of $725 on average.
Cheapest car insurance for people with a speeding ticket: Geico
Speeding tickets are very similar to getting in an accident in that they can raise auto insurance rates significantly. In Maine, the average increase due to a speeding ticket for 2021 is $319. For cheap auto insurance, we would recommend looking at Geico where drivers may be able to get rates as low at $1,089 if they have a speeding incident.
Cheapest car insurance for drivers with a DUI: State Farm
Getting a DUI in Maine can cause your auto insurance premiums to increase by over 75% on average when compared to that of a standard full coverage policy. Drivers with a prior DUI can find the cheapest auto insurance rates by shopping with State Farm. State Farm, with an average cost of $1,154, comes in 47% cheaper than the state average.
Cheapest car insurance for drivers with poor credit: Geico
Unfortunately, having poor credit can lead to your auto insurance premiums being more expensive. This is because one of the many rate factors that companies use will be your credit score. In Maine, individuals with poor credit scores could find the cheapest rates by shopping with Geico, who has an average annual cost of $1,089.
Cheapest car insurance for married drivers: Concord Group
When shopping for car insurance, married drivers will usually find that their rates can be cheaper than those of single individuals. For example, in Maine, a married driver can have their auto insurance premiums be $98 cheaper on average when compared to a single driver.
The cheapest auto insurance company for married individuals is Concord Group, which has an annual premium of $852.
Cheapest car insurance for young drivers: Concord Group
The average cost of car insurance for young drivers in Maine is $4,090 per year, or $341 per month. This is about $2,800 more expensive than the same policy for an adult.
Car insurance for young drivers will most likely be more expensive compared to older drivers since younger individuals are more inexperienced and thus a greater liability. Young drivers shopping for cheap car insurance in Maine can find inexpensive rates when shopping with Concord Group. The company has an annual premium of $2,132 for young drivers — that is, 48% cheaper than the state average.
*USAA is excluded from rankings because it is only available to current and former military members and their families.
Cheapest for young drivers with one accident: Concord Group
Accidents nearly always cause the cost of car insurance to increase significantly, which means premiums for younger drivers who have been in an at-fault accident can be many times more expensive than for most drivers. The most affordable car insurance for young people who have been in an accident comes from Concord Group, which is $3,148 per year.
Cheapest for young drivers with one speeding ticket: Concord Group
Speeding can cause the cost of car insurance to increase, though not as drastically as for drivers who experience an at-fault accident. Young drivers with one speeding ticket could find cheap rates from Concord Group, which offers coverage that is 48% cheaper than average.
Best auto insurance companies in Maine
The best insurer in Maine is USAA, when considering its customer service and claim satisfaction ratings from our survey of current customers.
However, if you're not eligible for USAA membership, then Nationwide and State Farm are good choices, as well. These companies also received high marks from policyholders in our survey.
Percent of respondents overall extremely satisfied with most recent claim
Percent of respondents who rated customer service as "excellent"
Overall rank takes both claim satisfaction and customer service rankings into account.
We were also big fans of Alfa Insurance's customer service. Alfa's complaint index at the National Association of Insurance Commissioners (NAIC) was just 0.16, meaning that it received only 16% as many complaints as is typical for its size.
For an alternative for great customer service, look at Nationwide. It also had an impressively low NAIC Complaint Index, and an above-average claims satisfaction rating from J.D. Power.
NAIC Complaint Index (lower is better)
J.D. Power claims satisfaction score (higher is better)
A.M. Best Financial Strength Rating
All the companies we looked at had a Financial Strength Rating from A.M. Best of A or better, meaning A.M. Best believes they have an "Excellent" or "Superior" ability to pay out claims.
Average car insurance cost in Maine, by city
We found that full coverage car insurance rates in Maine can vary by as much as $186 per year, depending on where you live in the state. In most states, auto coverage costs can be greater in more populous cities where accidents and auto theft are more common.
Average annual cost
Percent from average
Maine rate changes by company
In Maine, auto insurance providers decreased their premiums in 2020 by 1%, continuing the trend of lower premium rates observed in 2019. State Farm showed the most significant decrease in premiums, with rates down by 9.4% compared to 2019. On the other hand, several other insurance providers in Maine opted to increase their 2020 rates. For example, MetLife and Hanover Insurance raised their premium prices by 2.5% and 3.1%, respectively.
Premiums written (millions) 2019
Rate change 2019
Rate change 2020
Recap of the cheapest auto insurance in Maine
- Minimum coverage: MetLife
- Full coverage: Geico
- After an at-fault accident: State Farm
- After a speeding ticket: Geico
- After a DUI: State Farm
- Poor credit history: Geico
- Very good credit history: State Farm
- Married couples: Concord Group
- Young drivers: Concord Group
- Young drivers with one accident: Concord Group
- Young drivers with a speeding ticket: Concord Group
We collected thousands of rates from ZIP codes across Maine for the largest 10 insurers. We used a sample driver with the following profile:
- 30-year-old man
- Drives a 2015 Honda Civic EX
- Average credit
The base policy for the study was a full-coverage policy with the following limits:
|Bodily liability||$50,000 per person/$100,000 per accident|
|Personal injury protection||$10,000|
|Property damage||$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, above.
For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated to reflect the new driver.
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.