- Best car insurance company in Maine: Travelers
- Cheapest car insurance company in Maine: Travelers
- Average cost of car insurance in Maine
- Maine car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in Maine
- Cheapest car insurance cost in Maine by age
- Cheapest car insurance companies in Maine by driver profile
- Compare auto insurance rates by city in Maine
- Car insurance premium trends in Maine
- Methodology
- Compare Maine car insurance rates with other states
Best car insurance company in Maine: Travelers
Travelers is the best car insurance company in Maine, based on our data analysis, with an overall rating of 4.37. State Farm, GEICO, Progressive, Allstate and Farmers are also among the top car insurance companies in Maine.
Below is a full list of the top Maine insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Travelers | A++ | 623 | 0.52 | $853 | 4.37 |
| State Farm | A++ | 664 | 0.79 | $1,262 | 4.19 |
| GEICO | A++ | 638 | 0.69 | $1,228 | 4.01 |
| Progressive | A+ | 620 | 0.71 | $1,106 | 3.82 |
| Allstate | A+ | 646 | 1.1 | $1,147 | 3.75 |
| Farmers | A | 600 | 0.86 | $1,664 | 2.79 |
| USAA | A++ | 741 | 1.18 | $827 | 4.37 |
Cheapest car insurance company in Maine: Travelers
Based on a rate analysis by Insurance.com, Travelers offers the cheapest full coverage car insurance in Maine, with average rates of $964 annually or $80 a month. It offers liability car insurance and state minimum coverage at $329 and $328 per year, on average.
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered car insurance quotes in Maine from all the major insurance providers and put together a list of the cheapest car insurance companies.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Travelers | $328 | $329 | $964 |
| Auto-Owners | $266 | $268 | $1,060 |
| GEICO | $318 | $323 | $1,441 |
| Progressive | $243 | $244 | $1,454 |
| Allstate | $540 | $540 | $2,056 |
| MMG Insurance | $420 | $425 | $2,073 |
| Farmers | $405 | $422 | $2,196 |
| State Farm | $606 | $633 | $2,357 |
| Frankenmuth Insurance | $385 | $395 | $2,415 |
| USAA | $257 | $262 | $997 |
*USAA offers car insurance only to military members, veterans and their families.
Average cost of car insurance in Maine
The average cost of car insurance in Maine is $1,701 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Maine is $377.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Maine
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Lewiston | $541 | $45 |
| Auburn | $539 | $45 |
| Westbrook | $519 | $43 |
| Portland | $518 | $43 |
| Sebago | $515 | $43 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Patten | $388 | $32 |
| Bridgewater | $392 | $33 |
| Smyrna Mills | $392 | $33 |
| Portage | $392 | $33 |
| Oakfield | $393 | $33 |
The Maine Bureau of Insurance says...
Uninsured motorists coverage is required by law. It was introduced many years ago to try to address problems that arise when insured drivers are involved with accidents with others who do not carry liability coverage. Even though we now have mandatory automobile liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people., the Bureau of Motor Vehicles (BMV) estimates that about 7% of all operators are still uninsured. This coverage protects you against bodily injury losses caused by an uninsured or underinsured driver, and is only a small part of the cost of insurance.
- The Maine Bureau of InsuranceMaine car insurance requirements
You need car insurance with minimum coverage levels of 50/100/25 in Maine, which costs $377 each year or $31 each month.
Minimum liability insurance requirements for Maine:
- Bodily injury liability (BI): $50,000 per person, $100,000 per accident
- Property damage liability (PD): $25,000 per accident
- Personal injury protection (PIP): $50,000 per person, $100,000 per accident
- MedPay: $2000
Cheapest car insurance companies for minimum liability coverage in Maine
According to Insurance.com, Progressive has the cheapest state minimum liability coverage, at $244 per year or $20 each month. USAA offers cheaper rates but is available only to military veterans and their families.
Here are the most affordable car insurance companies for state minimum coverage in Maine.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Progressive | $244 | $20 |
| Auto-Owners | $268 | $22 |
| GEICO | $323 | $27 |
| Travelers | $329 | $27 |
| Frankenmuth Insurance | $395 | $33 |
| Farmers | $422 | $35 |
| MMG Insurance | $425 | $35 |
| Allstate | $540 | $45 |
| State Farm | $633 | $53 |
| USAA | $262 | $22 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Maine by age
In Maine, car insurance rates are higher for teenagers due to their lack of experience on the road.
Auto-Owners offerst the cheapest car insurance rates for a 16-year-old driver in Maine at $2,839 per year.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Maine, Travelers offers the cheapest full coverage auto insurance for a 25-year-old and a 65-year-old driver at $1,096 per year and $832 per year, respectively.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| Auto-Owners | $2,839 | $237 |
| Travelers | $4,683 | $390 |
| GEICO | $5,037 | $420 |
| USAA | $5,265 | $439 |
| MMG Insurance | $6,249 | $521 |
| Allstate | $6,346 | $529 |
| Frankenmuth Insurance | $7,075 | $590 |
| State Farm | $8,435 | $703 |
| Progressive | $10,673 | $889 |
| Farmers | $14,047 | $1,171 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Maine by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay higher rates. In Maine, Travelers offers the cheapest car insurance rates for drivers with an accident, at $1,442 per year. Maine drivers with a speeding ticket can find the cheapest car insurance from Auto-owners at $1,218 per year, on average.
Below are average Maine auto insurance rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Auto-Owners | $1,060 | $1,576 | $1,218 |
| Travelers | $964 | $1,442 | $1,476 |
| Progressive | $1,454 | $2,407 | $1,923 |
| GEICO | $1,441 | $2,318 | $2,202 |
| Allstate | $2,056 | $2,929 | $2,295 |
| State Farm | $2,357 | $2,751 | $2,538 |
| Frankenmuth Insurance | $2,415 | $3,044 | $3,058 |
| Farmers | $2,196 | $3,463 | $3,165 |
| USAA | $997 | $1,514 | $1,127 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Maine
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Maine will impact what you pay. Below, we've gathered Maine car insurance rates by city for comparison.
Car insurance premium trends in Maine
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Maine to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare Maine car insurance rates with other states
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