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.

Best car insurance in Maine
CompanyAM BestJD PowerNAICInsurance.com score
Auto-OwnersA++8400.504.02$707
TravelersA++7820.493.62$853
State FarmA++8290.703.11$1,262
ProgressiveA+8020.653.09$1,106
AllstateA+8160.653.06$1,147
GeicoA++8360.912.92$1,228
FarmersA8210.802.37$1,664

Data refreshed as of Apr 2024
Read our full methodology

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.

Cheapest car insurance in Maine
CompanyState minimum liability50/100/50 liability100/300/100 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.

Data refreshed as of Apr 2024
Read our full methodology

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

Average auto insurance rates in Maine
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
4676 - Sedgwick
For a 30-year-old male
$29 State minimum
$113 Full coverage
$30 Liability only

Most & least expensive ZIP codes for auto insurance in Maine

Most Expensive

Zip CodeCityHighest Rate
04019Cliff Island$99
04742Fort Fairfield$99
04038Gorham$99
04730Houlton$99

Least Expensive

Zip CodeCityLowest Rate
40060Biddeford Pool$100
44110Bradley$100
47370Clayton Lake$100
47430Fort Kent$100

Minimum car insurance requirements in Maine

You need car insurance with minimum coverage levels of 50/100/25 in Maine, which costs $337 each year or $28 each month.

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.

State minimum auto insurance coverage in Maine, ME
Company Liability insurance premiumMonthly 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

Data refreshed as of Apr 2024
Read our full methodology

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.  

Cheapest car insurance in Maine by age
Age Company Average annual premium 
Teens (16-19)Auto-Owners$1,715
Teens (16-19)Travelers$2,610
Teens (16-19)USAA*$2,808
Teens (16-19)Allstate$3,028
Teens (16-19)Geico$3,714
Teens (16-19)State Farm$3,783
Teens (16-19)MMG Insurance$4,382
Teens (16-19)Frankenmuth Insurance$4,389
Teens (16-19)Progressive$5,727
Teens (16-19)Farmers$8,664
Young Adults (20-24)Auto-Owners$1,117
Young Adults (20-24)USAA*$1,272
Young Adults (20-24)Travelers$1,395
Young Adults (20-24)Allstate$1,853
Young Adults (20-24)Geico$1,983
Young Adults (20-24)Progressive$2,074
Young Adults (20-24)State Farm$2,151
Young Adults (20-24)MMG Insurance$2,770
Young Adults (20-24)Frankenmuth Insurance$3,021
Young Adults (20-24)Farmers$3,817
Adults (25-60)Auto-Owners$735
Adults (25-60)Travelers$859
Adults (25-60)USAA*$861
Adults (25-60)Allstate$1,137
Adults (25-60)Progressive$1,167
Adults (25-60)Geico$1,226
Adults (25-60)State Farm$1,285
Adults (25-60)MMG Insurance$1,511
Adults (25-60)Frankenmuth Insurance$1,575
Adults (25-60)Farmers$1,654
Seniors (65-75)Auto-Owners$683
Seniors (65-75)Travelers$735
Seniors (65-75)USAA*$827
Seniors (65-75)Allstate$1,058
Seniors (65-75)Progressive$1,096
Seniors (65-75)Geico$1,157
Seniors (65-75)State Farm$1,216
Seniors (65-75)MMG Insurance$1,411
Seniors (65-75)Frankenmuth Insurance$1,416
Seniors (65-75)Farmers$1,666

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

Data refreshed as of Apr 2024
Read our full methodology

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 $1,014 per year. Maine drivers with a speeding ticket can also find the cheapest car insurance from Auto-owners at $797 per year, on average.

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

Cheapest car insurance in Maine for drivers with tickets and accidents
CompanyClean record AccidentSpeeding Ticket
Auto-Owners$647$1,014$797
Geico$709$1,334$981
USAA$756$1,360$917
Travelers$776$1,252$1,217
State Farm$886$1,052$969
Progressive$996$1,874$1,403
Allstate$1,501$2,256$1,697
Farmers$2,125$3,407$2,940

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

Data refreshed as of Apr 2024
Read our full methodology

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 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 auto insurance rates with other states

Alabama
$1,860 /year
Alaska
$1,676 /year
Arizona
$1,812 /year
Arkansas
$1,957 /year
California
$2,416 /year
Colorado
$2,337 /year
Connecticut
$1,725 /year
Delaware
$2,063 /year
Florida
$2,694 /year
Georgia
$1,970 /year
Hawaii
$1,517 /year
Idaho
$1,428 /year
Illinois
$1,532 /year
Indiana
$1,515 /year
Iowa
$1,630 /year
Kansas
$1,900 /year
Kentucky
$2,228 /year
Louisiana
$2,883 /year
Maryland
$1,746 /year
Massachusetts
$1,726 /year
Michigan
$2,266 /year
Minnesota
$1,911 /year
Mississippi
$2,008 /year
Missouri
$1,982 /year
Montana
$2,193 /year
Nebraska
$1,902 /year
Nevada
$2,060 /year
New Hampshire
$1,265 /year
New Jersey
$1,902 /year
New Mexico
$2,049 /year
New York
$1,870 /year
North Carolina
$1,741 /year
North Dakota
$1,665 /year
Ohio
$1,417 /year
Oklahoma
$2,138 /year
Oregon
$1,678 /year
Pennsylvania
$1,872 /year
Rhode Island
$2,061 /year
South Carolina
$2,009 /year
South Dakota
$2,280 /year
Tennessee
$1,677 /year
Texas
$2,043 /year
Utah
$1,825 /year
Vermont
$1,319 /year
Virginia
$1,469 /year
Washington
$1,608 /year
West Virginia
$2,005 /year
Wisconsin
$1,664 /year
Wyoming
$1,758 /year
Show more
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