Cheapest car insurance for high-risk drivers in Maine

Cheapest car insurance in Maine for a bad driving record

Drivers with a poor record in Maine will find the lowest rates from Auto-Owners, Travelers and Allstate. Among these, Auto-Owners provides the lowest annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $1,010 annually.

If you have accidents, DUIs or traffic tickets on your driving record, youll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain 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

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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.

Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.

Read on as we explain high-risk car insurance factors and rates below.

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 high-risk for insurance 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.

Cheapest car insurance in Maine with 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

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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

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Cheapest car insurance in Maine with a reckless driving conviction

Auto-Owners offers the most affordable rates for drivers with reckless driving convictions, averaging $1,202 per year.

Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.

The table below compares car insurance premiums for drivers with a clean record and those with 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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Cheapest car insurance in Maine with bad credit

In Maine, Auto-Owners provides the lowest premiums for drivers with poor credit, averaging $1,239 per year or $103 per month. Even with a low credit score, you can still find affordable auto insurance.

While your credit score doesn't reflect your driving ability, it can impact your car insurance rates and place you in a higher-risk category. Insurers view lower credit scores as an indicator of increased risk based on statistics showing that these drivers are 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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Cheapest car insurance after an accident in Maine

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 driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.

This table compares rates for drivers with a clean driving 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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Cheapest car insurance in Maine by city

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

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How to reduce car insurance rates in Maine for a bad driving record

Finding affordable car insurance in Maine is possible, even with a bad driving record. Ways to lower car insurance rates include:

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.

Maine car insurance laws for high-risk drivers

If you're a high-risk driver in Maine, you may need to file an SR-22. Your insurer submits this form to confirm you carry the state's minimum required coverage. The court will specify how long you must maintain the SR-22.

An SR-22 is not a type of insurance; it's simply a form. You don't need special coverage, but your premiums may be higher since you're classified as high risk. Additionally, not all insurance companies offer policies 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:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.