Average cost of car insurance in Maine

The average car insurance rate in Maine is $1,122 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 $338.

Best car insurance companies in Maine

Auto-Owners is the best car insurance company in Maine, based on a 2023 analysis by Insurance.com, with an overall rating of 4.48. Geico landed in second place.

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.

Best car insurance companies in Maine
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
Auto-OwnersA++$ 6900.644.48
GeicoA++$ 7980.774.2
State FarmA++$ 9090.524.14
USAA*A++$ 7940.993.91
TravelersA++$ 8291.033.82
ProgressiveA+$ 1,0610.733.7
AllstateA+$ 1,5210.952.97
FarmersA$ 2,1560.772.3

USAA offers car insurance only to military members, veterans and their families.

Cheapest car insurance companies in Maine

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 price quotes from all the major insurance providers in Maine and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Auto-Owners is the cheapest auto insurance company in Maine, with average rates of $690 annually or $57 a month for full coverage. 

cheap rates by companies maine
CompanyState minimum50/100/50 liability only100/300/100 liability with $500 comp/coll deductible
Auto-Owners$ 225$ 227$ 690
USAA$ 204$ 208$ 794
Geico$ 228$ 231$ 798
Travelers$ 351$ 352$ 829
State Farm$ 277$ 289$ 909
Progressive$ 377$ 379$ 1,061
Frankenmuth Insurance$ 302$ 308$ 1,339
Allstate$ 427$ 427$ 1,521
Farmers$ 654$ 661$ 2,156

USAA offers car insurance only to military members, veterans and their families.

Auto insurance calculator

Average auto insurance rates in Alabama
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Male
Male Female
36110 - Montgomery
For a -year-old
State minimum
Full coverage
Liability only

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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 $1,598 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 also offers the cheapest full coverage car insurance for adult and senior drivers at $689 per year and $632 per year, respectively.  

Cheapest car insurance by age in Maine
Age (group) Company Group Avg. Annual Premium
Teens (16-19)Auto-Owners$ 1,598
Teens (16-19)Geico$ 2,297
Teens (16-19)Travelers$ 2,529
Teens (16-19)USAA$ 2,672
Teens (16-19)State Farm$ 2,750
Teens (16-19)Allstate$ 3,579
Teens (16-19)Frankenmuth Insurance$ 5,387
Teens (16-19)Progressive$ 5,663
Teens (16-19)Farmers$ 6,182
Young Adults (20-24)Auto-Owners$ 1,050
Young Adults (20-24)USAA$ 1,202
Young Adults (20-24)Geico$ 1,223
Young Adults (20-24)Travelers$ 1,328
Young Adults (20-24)State Farm$ 1,556
Young Adults (20-24)Progressive$ 2,082
Young Adults (20-24)Allstate$ 2,279
Young Adults (20-24)Farmers$ 2,806
Young Adults (20-24)Frankenmuth Insurance$ 3,361
Adults (25-55)Auto-Owners$ 689
Adults (25-55)Geico$ 761
Adults (25-55)USAA$ 821
Adults (25-55)Travelers$ 828
Adults (25-55)State Farm$ 933
Adults (25-55)Progressive$ 1,132
Adults (25-55)Frankenmuth Insurance$ 1,450
Adults (25-55)Allstate$ 1,501
Adults (25-55)Farmers$ 2,101
Seniors (60-75)Auto-Owners$ 632
Seniors (60-75)Travelers$ 703
Seniors (60-75)Geico$ 713
Seniors (60-75)USAA$ 784
Seniors (60-75)State Farm$ 878
Seniors (60-75)Progressive$ 1,047
Seniors (60-75)Frankenmuth Insurance$ 1,285
Seniors (60-75)Allstate$ 1,372
Seniors (60-75)Farmers$ 1,986

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. 

The severity and frequency of the incidents will affect the increase in insurance rates. For instance, drivers with a single minor accident will see a smaller increase in their rates compared to those with multiple major accidents.

Below are average Maine rates by company for drivers with accidents and tickets on their driving record. 

Cheapest car insurance companies for tickets and accidents in Maine
CompanyClean recordAccidentTicket
Auto-Owners$ 681$ 985$ 870
Geico$ 748$ 1,149$ 817
USAA$ 763$ 1,154$ 892
Travelers$ 797$ 1,194$ 1,181
State Farm$ 886$ 1,052$ 969
Progressive$ 999$ 1,706$ 1,438
Allstate$ 1,522$ 2,139$ 1,696
Farmers$ 2,180$ 3,298$ 3,001

*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.

CityAnnual insurance premium
Auburn
$1,163
Augusta
$1,155
Bangor
$1,128
Lewiston
$1,185

Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 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.  

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