Cheapest car insurance for high-risk drivers in Maine

Which company has the cheapest car insurance in Maine for a bad driving record?

Auto-Owners, Travelers and Allstate offer some of the cheapest rates for drivers with poor driving records in Maine. Among them, Auto-Owners has the lowest average premium at $1,010 annually.

If you have accidents, tickets or a DUI on your record, insurance companies will charge higher rates. Serious violations may affect your premiums for years, especially if you have multiple offenses.

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

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How much is high-risk car insurance in Maine?

The average cost of high-risk car insurance in Maine is $1,897 annually. However, some insurers offer rates far below the state average, with premiums starting around $1,010 per year.

Not every high-risk factor affects premiums equally. A single speeding ticket may cause only a moderate increase, while multiple violations, at-fault accidents or poor credit can raise rates substantially.

Average annual car insurance rate for At-fault bodily injury accident in Maine, ME is $1,692

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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

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Average annual rate

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?

Auto-Owners offers the cheapest average rate for drivers with multiple tickets at $812 annually or $68 monthly.

A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.

The table below compares average car insurance rates with a clean driving record and rates after 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

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What is the cheapest car insurance in Maine with multiple tickets?

Auto-Owners has the cheapest average rates for drivers with multiple tickets at $812 annually or $68 monthly.

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

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Expert's Insight Two minor tickets can sometimes cost you more on insurance than one major violation.

What company offers the cheapest insurance for reckless driving in Maine?

Auto-Owners has the cheapest average reckless driving insurance rates in Maine at $1,202 per year. Reckless driving convictions often result in substantial premium increases and fewer coverage options.

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.

The table below compares car insurance rates for drivers with a clean driving record and a reckless driving conviction.

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

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Expert's 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?

Auto-Owners has the cheapest average rates for drivers with poor credit in Maine at $1,239 annually or $103 monthly.

Your credit score may affect your insurance rates, even though it is unrelated to your driving skills. Insurers often charge higher premiums to drivers with lower credit scores because they are statistically more likely to file claims.

Check the table below to see how credit scores impact car insurance costs in Maine.

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

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What company has the cheapest car insurance in Maine after an accident?

Auto-Owners has the cheapest average rates after an accident at $1,051 per year. Travelers also offers lower-than-average rates at $1,276 annually.

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

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Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city is cheapest for high-risk car insurance in Maine?

Caribou has the cheapest average high-risk insurance premiums in Maine at $1,751 annually. Meanwhile, Lewiston has the highest average rates at $1,907 per year.

Where you live affects your insurance costs. Areas with more traffic, accidents or vehicle theft usually have higher insurance rates.

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

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How can high-risk drivers lower their car insurance rates in Maine?

Even if you're considered a high-risk driver, there are still several ways to lower your insurance premiums in Maine, including shopping around, taking a defensive driving course and avoiding further infractions.

You may be able to save money by:

Carefully consider filing claims. Covering minor damage out of pocket can be less expensive than filing an insurance claim, which might raise your premiums for years.
Avoid costly infractions. Practice safe driving to prevent additional traffic violations on your record. Tickets typically impact your insurance rates for only a few years, and your premiums may decrease if no new violations occur during that time.
Improve your credit score. Improving your credit score can lower your car insurance premiums. Paying bills on time and managing your credit utilization responsibly will help raise your score.
Take a defensive driving course. Many insurers offer discounts for completing the course, and certain states will even remove points from your driver's license once you complete it.
Shop around for coverage. Each car insurance company evaluates factors differently and sets its own rates. Comparing quotes can help you find the lowest price.

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 Mainedepends 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.

What are Maine's insurance requirements for high-risk drivers?

If you're considered a high-risk driver in Maine, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.

An SR-22 is not an insurance policy and doesn't require special coverage, but rates are much higher for high-risk drivers, and not all carriers insure such drivers.

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

FAQ: High-risk car insurance in Maine

Can high-risk drivers get full coverage car insurance in Maine?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Maine?

Although the SR-22 doesn't increase your rates, the reason for needing it does, since only drivers with major violations require an SR-22; rates will go up. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.

Will my car insurance rates go down after three years in Maine?

It's likely that your insurance will go down after three years, although, depending on the violation, you may still be paying higher rates than you were before it happened.