Maine Auto Insurance (2024)

Maine auto insurance costs around $89 for full coverage, much less than the national average. You can get even cheaper Maine car insurance by comparing rates from the best auto insurance companies, such as Geico, State Farm, and Travelers. Ultimately, the best way to find cheap auto insurance rates is to get multiple auto insurance quotes in Maine to find the company with the lowest cost.

However, it can be helpful to narrow down the list of companies to apply for quotes from, so we’ll go over the insurers in Maine with the cheapest Maine auto insurance rates. We’ll also go over additional saving tips, required coverages for car insurance in Maine, and more.

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Cheap Auto Insurance Rates in Maine

Finding cheap auto insurance requires understanding how rates change based on a driver’s coverage choices and driving record. A company that’s cheap for your neighbor may be one of the most expensive companies you could choose, so going off of a friend’s recommendation isn’t always the best choice.

Instead, compile a list of companies offering cheap rates for your needs and driving profile. Then, look at the company ratings and reputations to narrow your choices. In the next several sections, we’ll look in-depth at different cheap companies so you can narrow down your choices to a few companies.

Cheapest Maine Auto Insurance Companies for Minimum Coverage

All drivers must carry minimum liability auto insurance to drive legally in Maine, so if you’re planning on carrying just the bare minimum, it’s important to see which companies offer the cheapest base rates.

However, we only recommend carrying the bare minimum insurance policies if your car depreciates and the cost of additional coverages would soon add up to more than your car’s worth.

Saving on basic insurance, though, can also allow you more financial leeway to purchase additional coverages. Look at the table below to see which companies in Maine have the cheapest average rates for minimum liability coverage.

Liability Auto Insurance Average Rates From Top Providers

In Maine, the average cost of minimum liability insurance is $32 per month or $384 yearly. However, as you can see from the table above, this average rate varies drastically, with some insurance companies being well above or below the state average.

Maine’s best car insurance rates are from Geico, State Farm, and Travelers. In contrast, some of Maine’s most expensive auto insurance companies that tend to cost more than Maine’s average are Allstate, Farmers, and Liberty Mutual.

Cheapest Maine Auto Insurance Companies for Full Coverage

Full coverage auto insurance is more expensive. However, it comes with a higher level of financial protection than just a bare minimum policy, and shopping around can help you keep your car insurance rates affordable.

In Maine, a full-coverage auto insurance policy costs an average of $89 per month or $1,068 annually. Rates among auto insurance companies vary, as you can see from the table below.

Full Coverage Auto Insurance Rates From Top Providers

If you’re shopping for a full coverage insurance policy, start with auto insurance companies like State Farm and Geico, which have some of the cheapest average rates. Learn more about these companies in our State Farm auto insurance review and Geico auto insurance review.

Cheapest Maine Auto Insurance for Young Drivers

Car insurance companies always charge younger drivers higher rates since statistics show they’re more likely to crash due to riskier driving behaviors and driving inexperience. Insurers charge these higher rates to offset the higher risk of paying out future claims.

To see how much car insurance companies in Maine charge on average for young driver policies, look at the table below.

Full Coverage Auto Insurance Monthly Rates for Teen Drivers

Young drivers shopping for car insurance should avoid companies like Progressive, whose average rates are double that of the cheapest companies for young drivers.

Instead, young drivers should get quotes from companies like Geico or State Farm. A cheaper company could save them hundreds or thousands of dollars a year on car insurance due to the extremely high rates for young drivers.

If possible, we recommend young drivers join their parent’s policies rather than purchasing their own since the final cost will be much cheaper. If the young driver still lives with their parents, the driver can join their insurance.

Even if young drivers are away attending school, they can still stay on their parent’s policy if they aren’t taking a car with them. Some insurance companies even offer a discount for students away at school and a good student discount.

Cheapest Maine Auto Insurance for Drivers With Bad Credit

Unfortunately, bad credit scores drive up car insurance rates in Maine. To insurance companies, bad credit scores suggest a driver is more likely to miss a car insurance payment, making them more of a risk to insure. Drivers who miss payments also risk getting dropped by their insurance company, and any insurance lapses are illegal.

If you have a bad credit score, shop around to see if a different company offers a cheaper rate. Below, you can see how average rates vary among car insurance companies in Maine.

Full Coverage Auto Insurance Monthly Rates by Credit Score

Drivers with bad credit scores should avoid companies like Allstate and look into companies like Geico. Getting quotes from the cheaper companies on the list above could help you reduce auto insurance costs. In addition, improving your credit score will go a long way to reducing your rates.

Cheapest Maine Auto Insurance for Drivers With Traffic Tickets

Traffic tickets often have a detrimental effect on your auto insurance rates. Any speeding tickets, risky-driving tickets, and other moving violation tickets will increase rates. So if you have a parking ticket, it won’t raise your rates, but a ticket for failure to yield will.

The amount of your rate increase depends on your insurer. Below are the average rates in Maine for drivers with a traffic ticket on their driving record.

Full Coverage Auto Insurance Monthly Rates: One Ticket vs. Clean Record

If you have a traffic ticket on your record, some of the cheapest companies on average are Geico, Travelers, and State Farm. Per usual, companies you should apply for as a last resort include Allstate, Farmers, and Liberty Mutual. If a traffic ticket increases your rates, maintaining a clean driving record over time will reduce them.

Cheapest Maine Auto Insurance for Drivers With At-Fault Accidents

Like traffic tickets or bad credit scores, at-fault accidents raise your rates for auto insurance in Maine. Since you caused the accident, insurance companies view you as a high-risk driver more likely to crash and file a claim in the future.

Below, you can see the average rates that Maine car insurance companies charge drivers with an at-fault accident on their record.

Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record

Companies like State Farm or Travelers tend to have average cheaper rates for drivers involved in an at-fault accident. On the other hand, Progressive is one of the worst insurance companies for at-fault accident costs.

Also, check if an insurance company you’re considering offers at-fault accident forgiveness. With at-fault accident forgiveness, your insurer won’t increase your rates after your first accident. Some companies offer this perk to long-time or accident-free customers, while others may require a fee.

Cheapest Maine Auto Insurance for Drivers With a DUI

If you have a DUI on your driving record, expect to pay much more for car insurance — even more than traffic tickets or at-fault accidents.

Drivers with a DUI should look at the table below to see if a different car insurance company might be cheaper.

Full Coverage Auto Insurance Monthly Rates by Driving Record

Travelers and State Farm have some of the best auto insurance for drivers with a DUI, touting cheaper-than-average rates if a driver has a DUI. Companies to avoid include Liberty Mutual and Allstate, as they have some of the highest average rates for DUI drivers.

Cheapest Maine Cities for Auto Insurance

Your location in Maine affects your car insurance rates. Even within the same state, companies will look at the following factors to determine which areas are at higher risk:

• Crime: Crime levels in your area impact rates, as there’s a higher chance of vandalism or car theft.
• Crashes: Insurance companies use their records to see which areas have a higher rate of crashes, such as busy cities.
• Local wildlife: Some areas may be more prone to wildlife like deer or raccoons crossing the road, which can lead to serious crashes.
• Traffic: Areas with heavy traffic are more likely to have accidents, leading to more claims filed.
• Weather: Some areas may be more prone to heavy snow, rain, fires, etc.

So your insurance rates could change even if you move less than 20 miles away in Maine. For example, there may be a busy intersection near your house where multiple crashes happen.

Lewiston has some of the most expensive average rates in Maine, whereas South Portland has some of the cheapest. We recommend getting insurance quotes from several companies if you’re moving to a new area to ensure your existing insurer is the most economical choice for your new location.

Additional Saving Tips for Maine Auto Insurance

We’ve covered a lot of ground in comparing companies’ car insurance rates based on different driver profiles. However, if you’re already with one of the cheapest car insurance companies and still need to cut back on your rates, there are a few things you can try to lower them. 

• Apply for more car insurance discounts. Some auto insurance discounts you must apply for and show proof that you qualify, such as a defensive driving discount or a good student discount.
• Buy an affordable car to insure. Trading your car in for one cheaper to insure can reduce your costs. Look for cars with cheap, easily replaceable parts and good safety ratings, and then get car insurance quotes.
• Purchase a usage-based insurance policy. If you drive fewer than 10,000 miles per year, usage-based insurance can reduce your annual rates. It charges a daily set fee and then a per-mile fee for coverage.
• Raise your insurance deductible. Increasing your insurance deductible will reduce your rates. Just don’t increase your deductible to an amount you aren’t able to or willing to pay out of pocket.
• Reduce your auto insurance coverage. You could eliminate add-ons like roadside assistance or carry a bare minimum liability insurance policy for depreciated, older cars.

Following the tips above and shopping around for car insurance quotes can help you reduce your overall rates. A clean driving record will also go a long way to keeping your auto insurance rates reasonable.

Maine Auto Insurance and DUI Laws

Your state’s car insurance laws impact how much you pay on average for car insurance, as states requiring high coverage levels will have higher minimum policy rates. DUI laws can also impact a driver’s rates, as more severe penalties and high-risk insurance requirements can be expensive.

To learn about Maine’s auto insurance laws and DUI laws, read on.

Minimum Auto Insurance Required in Maine

Maine auto insurance requirements are that drivers must carry bodily injury liability, property damage liability, uninsured/underinsured motorist coverage, and medical payments. We’ve described these auto insurance coverages and the required limits below.

Bodily Injury and Property Damage Liability Insurance

Liability insurance pays for the other parties’ damages if you cause an accident. The bodily injury portion covers medical bills, and property damage covers property repair bills. Maine drivers must carry the following liability coverage amounts:

• Bodily injury liability insurance: $50,000 per person and $100,000 per accident
• Property damage liability insurance: $25,000 per accident

If accident costs exceed these limits, you’re liable for the remainder of the other parties’ bills. So, if you feel the above limits are inadequate, it may be wise to purchase higher liability auto insurance limits, especially if you live in a high-risk area or are a high-risk driver.

Uninsured/Underinsured Motorist Insurance

Suppose the at-fault driver in an accident doesn’t have enough insurance to pay your bills — underinsured motorist insurance steps in to pay them up to the policy amount. Likewise, uninsured motorist insurance pays your bills up to the policy limit if the driver who hit you doesn’t have auto insurance. Maine drivers must carry uninsured/underinsured motorist coverage amounts of $50,000 per person and $100,000 per accident.

Medical Payments (MedPay) Insurance

MedPay covers you and your passengers’ medical costs after an accident, regardless of fault. However, MedPay limits are only $2,000 per person since they act as supplemental coverage to health insurance.

Optional Car Insurance Coverage in Maine

Maine doesn’t require drivers to carry any other car insurance coverages besides the ones listed in the previous sections. However, if a Maine driver has a car loan or lease, their lender likely requires comprehensive and collision insurance since they protect the lender’s assets.

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So even if you don’t have to carry these insurance coverages, they can be useful to prevent financial losses after accidents. Look at the full list of optional car insurance coverages in Maine below:

• Comprehensive: Comprehensive auto insurance helps if your car is damaged in a non-accident-related event, like severe weather or vandalism.
• Collision: Collision auto insurance helps pay for repairs if your car is damaged in an accident. Without collision coverage, you may have to pay for repairs to your vehicle out of pocket.
• Gap coverage: Gap insurance helps pay the difference between what you owe on your car and what your car is actually worth after depreciation.
• Medical Payments (MedPay). MedPay pays for medical bills, doctor’s visits, and other medical costs associated with a covered event.
• Roadside assistance. This coverage helps if your car breaks down and you’re in need of certain assistance, like fuel services or flat tire repair.
• Uninsured/underinsured motorist coverage. This coverage allows you to be reimbursed after an accident by your own insurance company if the at-fault individual does not carry proper Indiana-mandated liability coverage.
• Rental car reimbursement: If your car is in the shop due to a covered event, rental car reimbursement helps pay for the cost of a rental vehicle up to a certain amount.

Not all car insurance companies offer these optional coverages. For example, only a handful of auto insurers offer roadside assistance.

DUI Penalties in Maine

In Maine, DUIs are serious offenses that carry multiple penalties. Drivers may face some or all of the following consequences if convicted of a DUI:

• Fines
• Ignition interlock device
• Jail time
• SR-22 certificate
• Suspended licenses
• Probation

Drivers with a DUI also incur higher auto insurance rates, making it difficult to find cheap car insurance in Maine. In addition, rates and penalties will increase in severity with each DUI offense. So while a first offense may only carry a day in jail, a third offense could come within a year.

SR-22 Auto Insurance Certificates in Maine

Often, high-risk drivers must provide an SR-22 certificate to regain their driving rights. An SR-22 certificate simply proves a driver carries Maine’s required car insurance coverages. Drivers who might need to request an SR-22 certificate from their auto insurance companies include:

• Drivers caught driving without car insurance in Maine
• Drivers caught driving with a suspended or expired license
• Drivers with multiple points on their driver’s license

If you need an SR-22 certificate, contact your car insurance company. However, some insurers may choose not to insure you if you’re a high-risk driver, but they must give notice of termination so you have time to find another company. When applying for new companies, let them know you need an SR-22 certificate.

Drivers without a car may wonder how to get an SR-22 certificate. Carless drivers must purchase non-owner car insurance, which meets Maine’s requirements and qualifies drivers for an SR-22 certificate.

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More About How to Get a Cheap Maine Auto Insurance Policy

Drivers looking for cheap car insurance in Maine should look at companies’ average rates. From there, drivers can narrow down companies by getting car insurance quotes in Maine.

Drivers can also take advantage of discounts, drop unnecessary coverages, and raise their auto insurance deductibles if possible to reduce their Maine auto insurance rates.

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