- Which company has the cheapest car insurance in Maine for a bad driving record?
- How much is high-risk car insurance in Maine?
- What company offers the cheapest car insurance in Maine after a DUI?
- Cheapest car insurance in Maine with multiple tickets
- Which company offers the cheapest insurance for reckless driving in Maine?
- Which company has the cheapest car insurance for drivers with bad credit in Maine?
- What company has the cheapest car insurance in Maine after an accident?
- Which city has the cheapest car insurance for high-risk drivers in Maine?
- How can high-risk drivers lower their car insurance rates in Maine?
- Are Maine's insurance requirements for high-risk drivers?
- Compare Maine high-risk driver car insurance rates with other states
Which company has the cheapest car insurance in Maine for a bad driving record?
Auto-Owners, Travelers, Allstate are the cheapest options. Auto-Owners has the lowest annual rate at $1,010 per year.
Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Auto-Owners | $707 | $1,010 |
| Travelers | $853 | $1,337 |
| Allstate | $1,147 | $1,458 |
| Progressive | $1,106 | $1,540 |
| State Farm | $1,262 | $2,018 |
| GEICO | $1,228 | $2,242 |
| Farmers | $1,664 | $2,667 |
| Frankenmuth Insurance | $1,492 | $3,555 |
| USAA | $827 | $1,164 |
How much is high-risk car insurance in Maine?
A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Maine, high-risk car insurance costs $1,897 per year. However, you can get rates as low as $1,010 annually from Auto-Owners.
Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.
Read on as we explain high-risk car insurance factors and rates below.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| Auto-Owners | $707 | $1,051 |
| USAA | $827 | $1,255 |
| Travelers | $853 | $1,312 |
| State Farm | $1,262 | $1,473 |
| Allstate | $1,147 | $1,634 |
| Progressive | $1,106 | $1,830 |
| Frankenmuth Insurance | $1,492 | $1,966 |
| GEICO | $1,228 | $1,975 |
| Farmers | $1,664 | $2,427 |
PEOPLE ASK:
Who is considered a high-risk driver in Maine?
Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.
What company offers the cheapest car insurance in Maine after a DUI?
While many insurers offer coverage after a DUI, Auto-Owners has the lowest rate at $1,179 a year.
Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.
The table below shows the average car insurance rates for a clean record vs. a DUI in Maine.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| Auto-Owners | $707 | $1,179 |
| Progressive | $1,106 | $1,269 |
| State Farm | $1,262 | $1,359 |
| Travelers | $853 | $1,363 |
| Allstate | $1,147 | $1,573 |
| Farmers | $1,664 | $2,627 |
| GEICO | $1,228 | $3,187 |
| Frankenmuth Insurance | $1,492 | $6,696 |
| USAA | $827 | $1,678 |
Cheapest car insurance in Maine with multiple tickets
For drivers with multiple tickets, Auto-Owners offers the lowest premiums, averaging $812 per year or $68 per month.
A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.
This table shows drivers in Maine how much having multiple tickets can raise their insurance premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| Auto-Owners | $707 | $812 |
| Allstate | $1,147 | $1,281 |
| Travelers | $853 | $1,305 |
| State Farm | $1,262 | $1,359 |
| Progressive | $1,106 | $1,462 |
| GEICO | $1,228 | $1,877 |
| Frankenmuth Insurance | $1,492 | $1,889 |
| Farmers | $1,664 | $2,399 |
| USAA | $827 | $934 |
Key insight
Two minor tickets can sometimes cost you more on insurance in the end than one major violation.
Which company offers the cheapest insurance for reckless driving in Maine?
Auto-Owners offers the cheapest rates for drivers with reckless driving convictions at $1,202 per year.
A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.
You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| Auto-Owners | $707 | $1,202 |
| State Farm | $1,262 | $1,359 |
| Travelers | $853 | $1,363 |
| Allstate | $1,147 | $1,573 |
| Progressive | $1,106 | $1,617 |
| GEICO | $1,228 | $2,472 |
| Farmers | $1,664 | $3,207 |
| Frankenmuth Insurance | $1,492 | $6,696 |
| USAA | $827 | $1,146 |
Key insight
A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.
Which company has the cheapest car insurance for drivers with bad credit in Maine?
The cheapest Maine insurer for bad credit is Auto-Owners, with rates averaging $1,239 per year or $103 per month. The good news is that drivers with bad credit can still get affordable auto insurance.
Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing a 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., and statistics show that drivers with lower credit scores are in this category.
Check the table below to see how your credit score affects Maine car insurance.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| Auto-Owners | $707 | $1,239 |
| Travelers | $853 | $1,381 |
| Allstate | $1,147 | $1,761 |
| GEICO | $1,228 | $1,798 |
| Progressive | $1,106 | $1,966 |
| Frankenmuth Insurance | $1,492 | $2,274 |
| Farmers | $1,664 | $2,971 |
| State Farm | $1,262 | $5,315 |
| USAA | $827 | $1,359 |
What company has the cheapest car insurance in Maine after an accident?
Auto-Owners has the lowest average rates after an accident at $1,051 a year. Travelers also offers affordable rates, averaging $1,276 per year.
Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.
This table shows rates for drivers with a clean record, one at-fault accident and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| Auto-Owners | $707 | $1,051 | $1,542 |
| Travelers | $853 | $1,276 | $1,654 |
| State Farm | $1,262 | $1,473 | $1,473 |
| Allstate | $1,147 | $1,634 | $2,081 |
| Progressive | $1,106 | $1,830 | $2,567 |
| Frankenmuth Insurance | $1,492 | $1,880 | $2,729 |
| GEICO | $1,228 | $1,975 | $3,354 |
| Farmers | $1,664 | $2,625 | $4,376 |
| USAA | $827 | $1,255 | $2,195 |
Key insight
Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.
Which city has the cheapest car insurance for high-risk drivers in Maine?
Caribou has the cheapest car insurance rates in Maine, averaging $1,751 a year. However, the most expensive city is Lewiston, with average insurance rates of $1,907 annually.
Where you live in Maine also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Caribou | $1,092 | $1,751 |
| Cliff Island | $1,095 | $1,757 |
| Gorham | $1,099 | $1,769 |
| Bangor | $1,128 | $1,822 |
| Bowdoinham | $1,122 | $1,825 |
| Auburn | $1,163 | $1,866 |
| Augusta | $1,155 | $1,871 |
| Farmingdale | $1,157 | $1,878 |
| Holden | $1,172 | $1,900 |
| Lewiston | $1,185 | $1,907 |
How can high-risk drivers lower their car insurance rates in Maine?
Finding affordable car insurance in Maine is possible, even with a bad driving record. Ways to lower car insurance rates include:
Where you live in Maine also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
PEOPLE ASK:
How long are you considered a high-risk driver in Maine?
Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.
Are Maine's insurance requirements for high-risk drivers?
If you're a high-risk driver in Maine, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.
An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.
Methodology
170+
insurance companies analyzed
34,000+
ZIP codes examined
$53M
insurance quotes analyzed
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.
All base rate 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
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:
- DUI
- Reckless driving
- Multiple speeding tickets
- Bad credit
- One at-fault accident over $2,000
Compare Maine high-risk driver car insurance rates with other states
You might also be interested in- Maine car insurance laws and requirements: What is changing in 2026
- Maine OUI and insurance: How much does an OUI raise your insurance?
- Speeding ticket calculator in Maine
- SR-22 insurance in Maine
- Non-owner car insurance in Maine: Best and cheapest companies
- Maine gap insurance: Everything you need to know
- Low-income car insurance in Maine
- Maine car insurance guide
- Maine car insurance coverage calculator
- Cheapest home and auto insurance bundle in Maine
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