- Best car insurance companies in Maine: Auto-Owners
- Cheapest car insurance companies in Maine: Auto-Owners
- 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 companies in Maine: Auto-Owners
Auto-Owners is the best car insurance company in Maine, based on an analysis by Insurance.com, with an overall rating of 4.02. Travelers, State Farm, Progressive, and Allstate 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 | Insurance.com score | Average annual premium |
|---|---|---|---|---|---|
| Auto-Owners | A++ | 840 | 0.5 | 4.02 | $707 |
| Travelers | A++ | 782 | 0.49 | 3.62 | $853 |
| State Farm | A++ | 829 | 0.7 | 3.11 | $1,262 |
| Progressive | A+ | 802 | 0.65 | 3.09 | $1,106 |
| Allstate | A+ | 816 | 0.65 | 3.06 | $1,147 |
| Geico | A++ | 836 | 0.91 | 2.92 | $1,228 |
| Farmers | A | 821 | 0.8 | 2.37 | $1,664 |
Cheapest car insurance companies in Maine: Auto-Owners
Based on a rate analysis by Insurance.com, Auto-Owners offers the cheapest full coverage car insurance in Maine, with average rates of $707 annually or $59 a month. It also offers the cheapest liability car insurance and state minimum coverage at $230 and $229 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 |
|---|---|---|---|
| Auto-Owners | $229 | $230 | $707 |
| USAA | $232 | $237 | $827 |
| Travelers | $331 | $332 | $853 |
| Progressive | $460 | $461 | $1,106 |
| Allstate | $458 | $458 | $1,147 |
| Geico | $318 | $323 | $1,228 |
| State Farm | $328 | $342 | $1,262 |
| MMG Insurance | $379 | $383 | $1,461 |
| Frankenmuth Insurance | $310 | $317 | $1,492 |
| Farmers | $310 | $322 | $1,664 |
*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 $1,175 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 $335.
Auto insurance calculator
Most & least expensive ZIP codes for auto insurance in Maine
Most Expensive
| ZIP code | City | Highest rate |
|---|---|---|
| 04019 | Cliff Island | $99 |
| 04742 | Fort Fairfield | $99 |
| 04038 | Gorham | $99 |
| 04730 | Houlton | $99 |
Least Expensive
| ZIP code | City | Lowest rate |
|---|---|---|
| 40060 | Biddeford Pool | $100 |
| 44110 | Bradley | $100 |
| 47370 | Clayton Lake | $100 |
| 47430 | Fort Kent | $100 |
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 insurance, 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 $337 each year or $28 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, Auto-Owners has the cheapest state minimum liability coverage, at $240 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 |
|---|---|---|
| USAA* | $230 | $19 |
| Auto-Owners | $240 | $20 |
| Farmers | $310 | $26 |
| Frankenmuth Insurance | $310 | $26 |
| State Farm | $328 | $27 |
| Geico | $333 | $28 |
| Travelers | $337 | $28 |
| MMG Insurance | $375 | $31 |
| Progressive | $449 | $37 |
| Allstate | $461 | $38 |
*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 offers the cheapest car insurance for teen drivers in Maine at $1,715 per year for a full coverage policy.
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, Auto-Owners offers the cheapest full coverage auto insurance for adult and senior drivers at $735 per year and $683 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 | $2,010 | $168 |
| Travelers | $3,445 | $287 |
| Allstate | $3,588 | $299 |
| USAA | $3,945 | $329 |
| Geico | $4,333 | $361 |
| MMG Insurance | $4,411 | $368 |
| Frankenmuth Insurance | $4,444 | $370 |
| State Farm | $4,544 | $379 |
| Progressive | $7,294 | $608 |
| Farmers | $10,871 | $906 |
*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, Auto-Owners offers the cheapest car insurance rates for drivers with an accident, at $1,051 per year. Maine drivers with a speeding ticket can also find the cheapest car insurance from Auto-owners at $812 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 | $707 | $1,051 | $812 |
| USAA | $827 | $1,255 | $934 |
| Allstate | $1,147 | $1,634 | $1,281 |
| Travelers | $853 | $1,276 | $1,305 |
| State Farm | $1,262 | $1,473 | $1,359 |
| Progressive | $1,106 | $1,830 | $1,462 |
| Geico | $1,228 | $1,975 | $1,660 |
| Frankenmuth Insurance | $1,492 | $1,880 | $1,889 |
| Farmers | $1,664 | $2,625 | $2,399 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Maine
Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Maine.
Car insurance premium trends in Maine
Car insurance average rates increase most years and various factors contribute to these changes, including shifts in economic conditions, changes in state laws, and the number and severity of insurance claims.
That's why it's important to keep track of car insurance premiums to make better decisions. The graph below shows how insurance rates in Maine have increased or decreased from 2020 to 2023.
Whether you're planning to renew your policy with your current insurer or looking for a new one, this analysis is invaluable for making informed insurance choices.
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
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
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
Compare Maine car insurance rates with other states
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