Cheapest Auto Insurance in Maine (2024)
Liability auto insurance rates in Maine start at $41/mo.
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Written bySarah Sharkey
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Edited byEvelyn Pimplaskar
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10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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Reviewed byShawn Powers
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Licensed insurance agent for 25+ years
15 years as VP of Sales and Operations at Answer Financial
Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated November 21, 2024
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Table of contents
Drivers in Maine pay $86 per month for liability insurance, which is cheaper than the national average of $104. However, the monthly cost of full-coverage insurance in Maine at $155 is cheaper than the national average of $204.
Maine's coastline stretches over 3,500 miles, and the state has more than 21,000 miles of public highways, which is more than any other New England state. The extensive roadways and risks associated with coastal living may affect car insurance costs for the state’s drivers.
Here’s what you need to know about comparing quotes and coverage options in Maine to find the best policy for your situation.
Quick Facts
COUNTRY Financial, NJM, and Auto-Owners have the cheapest average liability insurance in Maine.
Much of Maine is rural, and vehicle collisions with wildlife are common; between 2017 and 2021, collisions with deer accounted for nearly 17% of the state’s accidents.[1]
Teen drivers in Maine pay, on average, $193 per month for liability insurance and $378 for full-coverage insurance.
3 of the cheapest car insurance companies in Maine
Many quality insurance companies do business in Maine. USAA, State Farm, and Travelers emerge as leaders for their consistently low rates across multiple situations, flexible coverage options, and reputation for customer service.
However, the unique aspects of your situation will affect which car insurance company is the best fit for you. The best way to find the lowest rates is to get quotes from multiple insurance companies. Start your search below. The quotes below reflect statewide average costs.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| USAA | 9.4 | $79 | $41 | Military families |
| State Farm | 9.3 | $82 | $42 | Liability insurance |
| Travelers | 9.0 | $144 | $74 | Full coverage |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for military families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $41/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $79/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
884NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
On average, USAA offers some of the most affordable liability-only car insurance policies for Maine drivers. Because USAA only works with active military members, veterans, and their immediate family members, it may be a good option for the 101,000 veterans living in Maine. In addition to good rates, the company boasts relatively high customer satisfaction ratings.
Pros
High customer satisfaction ratings
Affordable rates
Cons
Limited membership eligibility
No customer service available on Sundays
Best insurer for liability insurance: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $42/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $82/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
838NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is the largest auto insurer in the country, and it offers some of the cheapest average rates in Maine. Its wide availability, high customer satisfaction ratings, and helpful discounts make State Farm an appealing option for drivers who want to maximize their savings on liability insurance.
Pros
High customer satisfaction ratings
Rideshare coverage option
Cons
Gap insurance not available
Cheaper options available for full coverage
Best insurer for full coverage: Travelers
| User Reviews | 4.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $74/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $144/mo |
4.7
Best choiceBased on 757 verified guest reviews and ratings
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (389)
Nancy
November 18, 2024
Verified Review
Checking for Better Rate
Really good.
Jim
November 12, 2024
Verified Review
Typical
They were fair but within a month, they raised their premium by over $50.
Kenneth
November 5, 2024
Verified Review
Excellent
Excellent
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
816NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Travelers offers Maine drivers some of the lowest costs for full-coverage insurance. Through the insurer, you’ll have access to ample coverage options, including roadside assistance, rental coverage, gap insurance, and rideshare coverage. Travelers also offers a number of discounts that can help drivers cut costs, including the ability to bundle home and auto insurance for savings.
Pros
Lengthy list of discounts
Gap insurance available
Cons
Below-average customer satisfaction rating
Poor customer reviews
How to get the cheapest car insurance in Maine
Drivers in the Pine Tree State can’t avoid paying for car insurance. But the good news is that you don’t have to overpay. These strategies can help you lock in cheap car insurance:
Ask for discounts. Discounts are available through most insurance companies. Don’t hesitate to ask if you qualify for the lowest rates.
Shop around. Everyone has a unique situation, which affects your insurance premiums differently at different insurance companies. Shopping around can help you find cheap auto insurance for your situation.
Increase your deductible. Most insurers compensate for a higher deductible with a lower car insurance premium. If a higher deductible for full-coverage insurance fits into your finances, consider raising it.
Bundle insurance products. When you purchase multiple types of insurance through the same insurer, it might offer you a bundling discount.
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Cheapest liability-only car insurance in Maine: USAA
Liability car insurance covers damages and bodily injuries you cause to other parties during a car accident. This bare-bones insurance option is often the cheapest. However, you’ll give up the financial protection that comes with more robust coverage.
For example, after an at-fault accident, your liability insurance policy can help you pay for the medical bills and repair costs of the other party. But if their damages exceed your policy’s liability limits, you could be responsible for the balance. And you’ll be on the hook for any repair costs related to your own vehicle and medical expenses.
The average cost of liability insurance in $86 per month. Here’s a closer look at the cheapest options for liability coverage in Maine:
10 cheapest insurers for liability-only
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Maine: Safeco
A full-coverage car insurance policy, which includes both comprehensive and collision insurance, provides enhanced financial protection. After an incident, collision coverage can help you pay for repair or replacement costs of your own vehicle. And comprehensive coverage can pay for non-accident damages, such as from hail or vandalism.
If you lease or finance your vehicle, your leasing company or lender will require you to carry full coverage. But even drivers who aren’t required to carry this coverage might want to pay for the additional protection.
On average, Maine drivers pay $155 per month for full-coverage insurance. Explore the cheapest car insurance options for full coverage in Maine below:
10 cheapest insurers for full coverage
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in Maine
Recent Maine car insurance prices for Subaru, Toyota, Honda , and more.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Maine
Maine requires drivers to carry a minimum level of liability car insurance.[2] Here are the requirements:
Bodily injury liability coverage
Bodily injury liability coverage pays for the medical costs of the other drivers and their passengers if you cause an accident. Maine requires drivers to have:
$50,000 per person
$100,000 per accident
Property damage liability coverage
If you cause an accident, property damage liability coverage can pay to repair or replace the vehicle of the not-at-fault driver. Maine requires you to have $25,000 of property damage liability, but keep in mind that limit may not be enough to cover the cost of a totaled car, especially if it’s a new or luxury vehicle.
Uninsured/underinsured motorist coverage
Although Maine law requires all drivers to have car insurance, about 5% of the state’s drivers forgo coverage.[3] Uninsured motorist coverage can help pay for your damages and injuries if an uninsured driver causes an accident. Underinsured motorist coverage comes into play if you’re hit by a driver whose liability limits are too low to fully cover your costs. Maine’s UM/UIM limits are:
$50,000 per person
$100,000 per accident
Medical payments coverage
Also known as MedPay, medical payments coverage can help pay for accident-related medical bills for you and your passengers. Maine requires drivers to carry at least $2,000 per person of MedPay.
Cheapest car insurance for drivers with an incident
It’s easy to make mistakes on the road. But a mistake can lead to increased car insurance costs for the long term.
Drivers with a clean driving record tend to pay less for car insurance than drivers with a driving violation, including speeding tickets, driving under the influence, and at-fault accidents. In general, the severity of the offense affects just how much your rate will increase.
The average cost of car insurance in Maine for drivers with a past incident on their record is $122 per month for liability insurance and $220 for full-coverage insurance. See how different driving incidents affect auto insurance costs below.
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Cheapest car insurance for drivers with a speeding ticket: USAA
The breathtaking views of a coastal highway can be just the distraction you need to accidentally get a speeding ticket. After a ticket, you might encounter higher car insurance premiums. A speeding ticket indicates to insurance companies you might have a high risk of filing a claim.
On average, Maine drivers with a past speeding ticket pay $153 per month for liability insurance. The following table illustrates how a speeding ticket can affect liability car insurance prices in Maine.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| USAA | $41 | $61 |
| State Farm | $42 | $62 |
| Safeco | $46 | $69 |
| Progressive | $51 | $75 |
| Liberty Mutual | $51 | $81 |
| Allstate | $64 | $95 |
| GEICO | $64 | $95 |
| Foremost | $73 | $116 |
| Travelers | $74 | $111 |
| Direct Auto | $75 | $112 |
| National General | $75 | $112 |
| Dairyland | $77 | $114 |
| The General | $96 | $145 |
| Bristol West | $98 | $146 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
An at-fault accident represents another red flag to insurance companies. In general, drivers face higher auto insurance premiums after an accident, especially if they caused it. But the rate increases vary greatly by insurance company.
The average cost of liability coverage for Maine drivers with a past incident is $139 per month. Here are the average full-coverage quotes for drivers with an at-fault accident in Maine:
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| USAA | $59 | $59 |
| State Farm | $60 | $60 |
| Safeco | $66 | $66 |
| Progressive | $74 | $74 |
| Liberty Mutual | $78 | $78 |
| Allstate | $92 | $92 |
| GEICO | $93 | $93 |
| Travelers | $108 | $108 |
| National General | $108 | $108 |
| Dairyland | $110 | $110 |
| Direct Auto | $111 | $111 |
| Foremost | $112 | $112 |
| The General | $141 | $141 |
| Bristol West | $141 | $141 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
While many states refer to impaired driving as a DUI (driving under the influence) or a DWI (driving while intoxicated), in Maine the offense is called an OUI (operating under the influence of drugs or alcohol).[4]
As one of the most serious moving violations, an OUI usually comes with higher car insurance premiums. Drivers with an OUI typically pay more than drivers with other types of incidents on their records, like a speeding ticket.
Liability insurance for Maine drivers with a past OUI costs $156 per month on average. The table below shows how an OUI can affect car insurance quotes for Maine drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| USAA | $41 | $71 |
| State Farm | $42 | $73 |
| Safeco | $46 | $74 |
| Progressive | $51 | $88 |
| Liberty Mutual | $51 | $88 |
| Allstate | $64 | $111 |
| GEICO | $64 | $111 |
| Foremost | $73 | $126 |
| Travelers | $74 | $128 |
| Direct Auto | $75 | $130 |
| National General | $75 | $130 |
| Dairyland | $77 | $133 |
| The General | $96 | $166 |
| Bristol West | $98 | $170 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
Learn More: How Long Does a DUI Stay On Your Record?
Cheapest car insurance for seniors in Maine: USAA
When determining premiums, insurance companies often take your age into account. In general, drivers with more experience behind the wheel pay less for car insurance.
Most drivers can expect falling car insurance premiums between ages 25 and 35, which can continue for decades. But around age 70, average rates tend to increase gradually. As a senior driver, you may face higher auto insurance costs.
Explore the average monthly quotes for senior drivers in Maine below. The average cost of liability coverage for senior drivers in Maine is $63 per month.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Progressive | $50 | $50 |
| Safeco | $58 | $58 |
| USAA | $59 | $59 |
| State Farm | $60 | $60 |
| Liberty Mutual | $88 | $88 |
| Allstate | $93 | $93 |
| GEICO | $93 | $93 |
| National General | $102 | $102 |
| Travelers | $106 | $106 |
| Direct Auto | $106 | $106 |
| The General | $128 | $128 |
| Foremost | $136 | $136 |
| Bristol West | $145 | $145 |
| Dairyland | $161 | $161 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens in Maine: USAA
With minimal experience behind the wheel, teen drivers represent a risk to auto insurance companies. Most young drivers face higher premiums than their more mature counterparts. It’s impossible to completely negate your age as a determining factor for rates. However, teen drivers don’t have to overpay.
As a young driver, some ways to lower your car insurance costs include getting good grades, raising your deductible, and driving a safer vehicle. Additionally, comparing rates across multiple insurance companies can help you lock in the best rates for your situation.
On average, teen drivers in Maine pay $166 per month for liability insurance. The following table shows the average monthly quotes from some top insurance companies for teen drivers in Maine.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| USAA | $74 | $142 |
| State Farm | $77 | $150 |
| Liberty Mutual | $94 | $204 |
| Safeco | $94 | $147 |
| Progressive | $95 | $139 |
| GEICO | $110 | $213 |
| Allstate | $122 | $236 |
| Dairyland | $133 | $372 |
| Foremost | $138 | $343 |
| Travelers | $143 | $277 |
| Direct Auto | $146 | $282 |
| National General | $157 | $298 |
| The General | $163 | $286 |
| Bristol West | $177 | $348 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Maine car insurance quotes by credit tier
Maine allows insurance companies to consider your credit-based insurance score when determining premiums. Drivers with a fair or poor credit history generally pay higher rates for car insurance than drivers with an excellent or good credit history. In turn, improving your credit score can help you lower your auto insurance costs.
Some strategies to help you improve your credit score include paying down debt, making on-time bill payments, and removing any mistakes from your credit report. Compare average full-coverage insurance rates by credit tier below.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
)
Keep Reading: The Insurify Guide to Car Insurance Discounts
Maine car insurance FAQs
Maine drivers face some unique challenges on the road, considering the state’s rural areas, coastal region, and abundant wildlife. Road conditions factor into car insurance rates, and you should take them into account when shopping for car insurance.
Here’s some additional information on Maine car insurance to help.
How much is car insurance in Maine?
The cost of liability car insurance in Maine is $86 per month and $1,033 annually. On average, a full-coverage policy in the state costs $155 per month and $1,864 per year. How much you pay for coverage will depend on your driving record, credit history, age, chosen coverage, and more.
Who has the cheapest car insurance in Maine?
USAA has the cheapest average liability insurance cost in Maine at $41 per month. With respective average liability coverage rates of $42 and $46 per month, State Farm and $Safeco also offer some of the cheapest insurance in Maine. The best way to find cheap car insurance is to compare quotes from multiple insurers at once.
What are the best car insurance companies in Maine?
Travelers, USAA, and State Farm are among the best insurers for Maine drivers. State Farm has an Insurify Quality (IQ) Score of 9.3 out of 5, while USAA and Travelers have scores of 9.4 and 9.0, respectively. The score reflects a company’s overall quality, customer service, and affordability. On average, Maine drivers with coverage from State Farm pay $86 per month for liability and $82 for full coverage.
Does Maine require car insurance?
Yes. The state of Maine requires all drivers to carry a minimum level of car insurance. The state’s requirements are a bit more robust than in some other states. In addition to a minimum amount of liability coverage, Maine also requires drivers to carry uninsured/underinsured motorist coverage and medical payments coverage.
Is Maine a no-fault state?
No. Maine is an at-fault state. A driver who causes an accident will be responsible for paying for damages and medical costs of the other drivers and their passengers. Insured drivers can rely on their liability coverage to pay at least some, if not all, of the costs they’re liable for — up to their policy’s coverage limits. Uninsured drivers, or drivers whose liability limits fall short of the damage amount they’re liable for, could be on the hook to pay for some or all of the damages out of pocket.
Insurify Insights
How Maine Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Maine below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Maine drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Chevrolet Silverado
Most Popular Car in Maine
#48
State with the Most Speeding Tickets Rank
#45
State with the Moving Violations Rank
#22
State with the Most DUIs Rank
#37
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Maine is the #31 state in the country for drivers with an at-fault accident on their driving record.
- Rank among states: #31
- Percent of drivers in Maine with an accident: 8.2%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Maine is the #22 state in the country for drivers with a prior drunk driving conviction.
- Rank among states: #22
- Percent of drivers in Maine with a DUI: 1.6%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Maine is the #50 state in the country for drivers with a reckless driving offense on record.
- Rank among states: #50
- Percent of drivers in Maine with a reckless driving offense: 0.3%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Maine is the #50 state in the country for drivers with a rude driving violation on record.
- Rank among states: #50
- Percent of drivers in Maine with a rude driving violation: 0.4%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Maine is the #48 state in the country for drivers with a speeding ticket on record.
- Rank among states: #48
- Percent of drivers in Maine with a speeding ticket: 5.1%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Maine is the #45 state in the country for drivers with a failure to yield violation on record.
- Rank among states: #45
- Percent of drivers in Maine with a failure to yield violation: 0%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
Sources
- Maine Department of Transportation. "State of Maine Highway Crash Statistics."
- Maine Bureau of Insurance. "Insurance Required by Law."
- Insurance Research Council. "One in Eight Drivers Uninsured."
- Maine Legislature. "Title 29-A: MOTOR VEHICLES AND TRAFFIC Chapter 23: MAJOR OFFENSES - SUSPENSION AND REVOCATION."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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Licensed insurance agent for 25+ years
15 years as VP of Sales and Operations at Answer Financial
Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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