Who Has the Cheapest Car Insurance Quotes in Maine? (2020)

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?
{"id":10,"isAgeFieldVisible":true,"isInsuranceTypeFieldVisible":true,"isInsuredStatusFieldVisible":true,"buttonText":"Find Insurers","customEventLabel":"","defaultZip":"","defaultProduct":"auto","quoteWizardEndpoint":"https:\/\/quotes.valuepenguin.com","trackingKey":"_best-cheap-car-insurance-maine","title":"Find Cheap Auto Insurance Quotes in Your Area","vendor":"vp"}

The average cost of minimum-coverage car insurance in Maine is $489 per year, or $41 per month.

Car insurance rates can differ drastically, however, based on a driver's location and coverage. We analyzed auto insurance quotes across Maine's largest cities and found rates can differ by thousands of dollars per year depending on the insurer and policy type. Full coverage policies, for example, typically cost $779 more than minimum coverage policies.

Enter your ZIP code above for a list of the best insurers near you. For more on affordable car insurance in Maine, read below.

Cheapest auto insurance in Maine

The cheapest minimum-coverage car insurance policies in Maine are offered by:

  • GEICO
  • Concord Group
  • State Farm

These three insurance companies have average car insurance quotes of $419 per year, or $35 per month — which is 14% cheaper than the Maine average.

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

Find the Cheapest Auto Insurance Quotes in Your Area

Currently insured?
{"id":4,"isAgeFieldVisible":true,"isInsuranceTypeFieldVisible":false,"isInsuredStatusFieldVisible":true,"buttonText":"Find Insurers","customEventLabel":"","defaultZip":"","defaultProduct":"auto","quoteWizardEndpoint":"https:\/\/quotes.valuepenguin.com","trackingKey":"_best-cheap-car-insurance-maine","title":"Find the Cheapest Auto Insurance Quotes in Your Area","vendor":"vp"}

Allstate, Progressive and Metropolitan offer the most expensive car insurance rates for minimum coverage in Maine, with an average quote of $546 per year, or 12% more expensive than the state average.

RankInsurerCar insurance quote
1GEICO$301
2Concord Group$478
3State Farm$479
4Metropolitan$529
5Progressive$624
6Allstate$772
NAUSAA$243

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.

The average cost difference between full- and minimum-coverage auto insurance in Maine is $779 per year, or $65 per month.

Cheapest full-coverage car insurance in Maine

The cheapest full coverage auto insurance companies in Maine are:

  • GEICO: $696
  • Concord Group: $1,029
  • State Farm: $1,034

These three insurers were the most affordable in Maine for full coverage, providing quotes of $920 on average, or 27% less than the state average of $1,268.

The insurance companies with the most expensive auto quotes for full coverage in Maine are:

  • Allstate: $2,107
  • Progressive: $1,751
  • Metropolitan: $1,581

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.

Cheapest full-coverage auto insurance in Maine with a prior accident

Drivers in Maine with an accident history may be able to find the cheapest full-coverage car insurance quotes at State Farm, Concord Group and GEICO.

These three insurers offer average annual rates of $1,335 per year, or $824 less than the Maine average, for full coverage policies with a prior accident history.

RankInsurerQuote before accidentQuote after accidentDifference
1State Farm$1,034$1,242$208
2Concord Group$1,029$1,372$343
3GEICO$696$1,391$695
4Allstate$2,107$3,061$954
5Metropolitan$1,581$3,395$1,814
6Progressive$1,751$3,698$1,947
NAUSAA$681$955$274

Just one accident on your driving record can increase your auto insurance quotes significantly.

The difference in annual car insurance rates in Maine for a full-coverage policy with no accident history versus a policy with one accident was $891.

Annual rate
No accident history$1,268
One accident$2,159

Best auto insurance companies in Maine

The best auto insurers in Maine, according to the complaint index, a customer satisfaction metric, are: Amica, Vermont and MMG.

Among insurers included in our rates analysis, Metropolitan, GEICO and Progressive scored the best.

Customers filed the fewest complaints against these insurers, according to data from Maine's Department of Insurance.

RankAuto insurance companyComplaint index
1Amica0.0
2Vermont0.0
3MMG0.3
4Auto-Owners0.5
5Travelers0.5
6Metropolitan0.7
7Quincy Mutual0.7
8GEICO0.8
9Progressive0.8
10Allstate0.9
11Liberty Mutual1.0
12USAA1.0
13Auto Club1.3
14State Farm1.3
15Main Street1.4
16Frankenmuth1.7
17Horace Mann1.8
18Hanover1.8
19National General1.9
20Hartford3.3
This table includes data for all insurers identified in reports from Maine's Department of Insurance, including several companies not in our rates analysis. Our study focused on Maine's largest insurers by market share, where quotes were available.

The complaint index compares each company's complaints per dollar of premium against 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.

Maine car insurance requirements

The state of Maine requires car insurance for all drivers. If you're caught driving without proper auto insurance coverage you will face fines and license suspension.

Below we've included the minimum coverage limits for Maine motorists:

  • Bodily injury liability: $50,000 per person and $100,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured motorist bodily injury liability: $50,000 per person and $100,000 per accident
  • Medical payments: $2,000 per person

While an auto insurance policy may meet Maine's minimum-coverage requirements, some drivers may benefit from purchasing more coverage. Maine drivers should consider higher coverage limits, as minimum-coverage policies may not be enough to fully cover the cost of damage in an expensive accident.

Cheapest car insurance in Maine by city

The lowest cost insurers in Maine vary slightly depending on where you live, though the three cheapest insurers were usually GEICO, Concord Group and State Farm.

Current or former service members, veterans and their families, however, may find even cheaper quotes with USAA, which only offers policies to these customers.

Below is a list of the cheapest auto insurance companies in Maine's largest cities and their annual rates for a full coverage policy.

CityInsurerAuto insurance quote
AuburnGEICO$656
State Farm$1,045
Concord Group$1,135
AugustaGEICO$707
Concord Group$1,073
State Farm$1,097
BangorGEICO$708
State Farm$980
Concord Group$1,017
BathGEICO$626
State Farm$967
Concord Group$1,092
BelfastGEICO$676
State Farm$1,010
Concord Group$1,077
BerwickGEICO$648
State Farm$1,029
Concord Group$1,084
BiddefordGEICO$612
State Farm$973
Concord Group$1,068
BrewerGEICO$708
State Farm$985
Concord Group$1,021
BrunswickGEICO$626
State Farm$1,004
Concord Group$1,041
BuxtonGEICO$711
State Farm$1,036
Concord Group$1,063
Cape ElizabethGEICO$636
State Farm$1,013
Concord Group$1,051
CaribouGEICO$653
Concord Group$978
State Farm$1,000
EliotGEICO$648
State Farm$1,024
Concord Group$1,046
EllsworthGEICO$711
State Farm$999
Concord Group$1,024
FairfieldGEICO$755
State Farm$970
Concord Group$1,019
FalmouthGEICO$636
State Farm$1,054
Concord Group$1,124
FarmingtonGEICO$699
Concord Group$1,055
State Farm$1,069
FreeportGEICO$626
Concord Group$1,019
State Farm$1,027
GorhamGEICO$622
Concord Group$1,063
State Farm$1,113
GrayGEICO$622
Concord Group$1,058
State Farm$1,077
HampdenGEICO$708
State Farm$975
Concord Group$1,010
HoultonGEICO$653
Concord Group$943
State Farm$1,028
KennebunkGEICO$711
Concord Group$1,028
State Farm$1,064
KitteryGEICO$648
State Farm$1,024
Concord Group$1,070
LebanonGEICO$648
Concord Group$1,045
State Farm$1,054
LewistonGEICO$656
State Farm$1,041
Concord Group$1,164
LisbonGEICO$759
State Farm$1,100
Concord Group$1,109
New GloucesterGEICO$711
State Farm$1,047
Concord Group$1,076
OaklandGEICO$759
Concord Group$1,038
State Farm$1,082
Old Orchard BeachGEICO$612
State Farm$946
Concord Group$1,091
Old TownGEICO$676
Concord Group$961
State Farm$974
OronoGEICO$676
State Farm$960
Concord Group$1,182
PortlandGEICO$686
Concord Group$1,118
State Farm$1,156
Presque IsleGEICO$653
State Farm$977
Concord Group$1,002
RocklandGEICO$676
State Farm$981
Concord Group$1,018
RumfordGEICO$759
State Farm$1,021
Concord Group$1,087
SacoGEICO$612
State Farm$972
Concord Group$1,105
SanfordGEICO$648
Concord Group$1,036
State Farm$1,048
ScarboroughGEICO$636
Concord Group$1,040
State Farm$1,079
SkowheganGEICO$699
Concord Group$1,031
State Farm$1,069
South BerwickGEICO$648
State Farm$1,024
Concord Group$1,089
South PortlandGEICO$636
State Farm$1,013
Concord Group$1,066
StandishGEICO$622
State Farm$1,050
Concord Group$1,081
TopshamGEICO$626
State Farm$995
Concord Group$1,078
TurnerGEICO$759
Concord Group$1,074
State Farm$1,138
WaterboroGEICO$711
State Farm$1,045
Concord Group$1,107
WatervilleGEICO$759
State Farm$1,067
Concord Group$1,096
WellsGEICO$648
State Farm$1,011
Concord Group$1,067
WestbrookGEICO$636
State Farm$1,044
Concord Group$1,071
WinthropGEICO$759
Concord Group$1,051
State Farm$1,082

Drivers seeking to pay less on car insurance should compare quotes from multiple insurers. To help you find the best rates in Maine, we identified the cheapest insurers for a full-coverage policy in:

Cheap car insurance in Portland, Maine

  • Average annual auto insurance quote in Portland = $1,284
  • 1% more expensive than Maine average

The cost of a year of auto insurance coverage for Portland locals was in line with the Maine average. To find the cheapest auto insurance quotes near you in Portland, we recommend looking into GEICO, State Farm or Concord Group. These insurers quoted, on average, $945 a year, or 26% less than the mean Portland rate.

Cheap car insurance in Lewiston, Maine

  • Average annual auto insurance quote in Lewiston = $1,286
  • 1% more costly than Maine average

Car insurance costs in Lewiston were similar to the Maine average, though drivers can always benefit from comparing quotes. The most expensive carrier in our study, Allstate ($2,145), cost $1,489 than the cheapest, GEICO ($656).

Cheap car insurance in Bangor, Maine

  • Average annual auto insurance quote in Bangor = $1,270
  • Comparable to Maine average

We found that the cost of insuring our benchmark driver in Bangor was equivalent to the state average. For motorists looking for the lowest auto insurance rates in Bangor, we recommend GEICO, State Farm and Concord Group. On average, full coverage insurance coverage cost $902 a year with these companies, or 29% less than the Bangor mean.

Cheap car insurance in South Portland, Maine

  • Average annual auto insurance quote in South Portland = $1,202
  • 5% cheaper than Maine average

Nevertheless, insuring with the cheapest car insurance provider in South Portland, GEICO, could mean as much as $566 in savings each year. Indeed, the most expensive insurers in South Portland cost 3.2 times the amount of the cheapest.

Cheap car insurance in Auburn, Maine

  • Average annual auto insurance quote in Auburn = $1,284
  • 1% more expensive than Maine average

We recommend Auburn drivers looking for affordable car insurance rates to get quotes from GEICO, Concord Group and State Farm. These insurers were more than $300 cheaper than the average car insurance quote in Auburn.

Average cost of car insurance in Maine

The average cost of full-coverage car insurance in Maine is $1,268 per year, or $106 per month.

The cheapest cities in Maine for full coverage are:

  • Houlton
  • Caribou
  • Presque Isle

The most expensive Maine cities are:

  • Waterville
  • Winthrop
  • Ellsworth

Where you live is a major factor in determining auto insurance rates. Below is a list of Maine cities by their average cost of car insurance, from cheapest to most expensive.

RankCityCar insurance quote
1Houlton$1,181
2Caribou$1,182
3Presque Isle$1,183
4Cape Elizabeth$1,200
5South Portland$1,202
6Biddeford$1,203
7Old Orchard Beach$1,207
8Westbrook$1,207
9Saco$1,208
10Kennebunk$1,213
11Brunswick$1,214
12Falmouth$1,217
13Scarborough$1,217
14Freeport$1,218
15Wells$1,219
16Topsham$1,222
17Sanford$1,225
18Bath$1,231
19Gray$1,233
20Gorham$1,236
21Standish$1,238
22Eliot$1,244
23Kittery$1,247
24Rockland$1,251
25Buxton$1,252
26Belfast$1,253
27Hampden$1,257
28Berwick$1,259
29Brewer$1,259
30Lebanon$1,259
31South Berwick$1,259
32Portland$1,261
33Waterboro$1,262
34New Gloucester$1,267
35Bangor$1,270
36Old Town$1,270
37Farmington$1,275
38Auburn$1,284
39Skowhegan$1,284
40Orono$1,285
41Lewiston$1,286
42Lisbon$1,290
43Oakland$1,295
44Fairfield$1,299
45Augusta$1,303
46Turner$1,305
47Rumford$1,308
48Ellsworth$1,309
49Winthrop$1,309
50Waterville$1,314

Methodology

We collected auto insurance quotes for Maine cities from seven car insurance companies.

Our sample driver was a 30-year-old man who drives a 2015 Honda Civic EX. He had no credit history, which makes him comparable to drivers with below-average credit, according to our data source, Quadrant Information Services.

Unless otherwise noted, our sample driver held full-coverage car insurance with the following limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
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 a minimum-coverage policy, our sample driver had coverage equivalent to the minimum Maine state requirements.

Average premiums are for illustrative purposes, as individual quotes will differ based on driving history, ZIP code, vehicle type, coverage limits and other factors.

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.

Sources:

Comments and Questions

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.