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.

CompanyAM BestJD PowerNAICInsurance.com scoreAverage Annual Premium
Auto-OwnersA++8400.54.02$707
TravelersA++7820.493.62$853
State FarmA++8290.73.11$1,262
ProgressiveA+8020.653.09$1,106
AllstateA+8160.653.06$1,147
GeicoA++8360.912.92$1,228
FarmersA8210.82.37$1,664

Data updated in 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.

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 updated in 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
Data updated in 2024
Read our full methodology

Maine 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.

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 updated in 2024
Read our full methodology

Cheapest car insurance cost in Maine by age

company_name
Cheapest for teens
$1,715/yr
Learn more
company_name
Cheapest for adults
$735/yr
Learn more
company_name
Cheapest for seniors
$683/yr
Learn more

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.

Age group
Teen
Age
16
Table
Graph
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
Yearly premium

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

Data updated in 2024
Read our full methodology

Cheapest car insurance companies in Maine by driver profile

company_name
Cheapest for at-fault accident
$1,051/yr
Learn more
company_name
Cheapest for DUI
$1,179/yr
Learn more
company_name
Cheapest for speeding ticket
$812/yr
Learn more

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. 

CompanyClean RecordAccidentSpeeding 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.

Data updated in 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
Data updated in 2024
Read our full methodology

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.

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.  

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