Average Car Insurance Cost in Maine (2024)
Drivers in Maine pay $121 per month on average for car insurance.
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Written byElizabeth Rivelli
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Elizabeth Rivelli
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Updated November 21, 2024
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Table of contents
The average cost of car insurance in Maine is $155 per month for full coverage and $86 for liability coverage. Drivers in Maine pay less than the U.S. average of $204 per month for full coverage and $104 for minimum coverage.
Several factors may explain why Maine has cheaper car insurance rates than the national average. The state has a relatively low population density and a low percentage of uninsured drivers. As a result, Maine drivers could have a lower risk of serious accidents, which results in reduced insurance costs.
To find the best coverage at the right price, you should compare car insurance quotes from multiple companies. Here’s what you need to know about finding car insurance in Maine.
Quick Facts
Maine drivers pay some of the cheapest average car insurance rates in the U.S.
Only 4.9% of drivers in Maine are uninsured.[1]
Drivers in Portland pay $134 per month for car insurance.
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What’s the average cost of car insurance in Maine?
Maine drivers pay $155 per month for full-coverage car insurance and $86 for liability coverage, on average. However, car insurance rates vary for every driver. Factors like your ZIP code, age, and vehicle type can affect the cost of your policy.
Full-coverage insurance costs more than liability coverage because it provides more financial protection.[2] Of the insurers featured below, USAA and State Farm have the lowest average quotes in Maine. In the table below, you can see the average cost of car insurance from some of the top insurance companies in the state.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| USAA | $41 | $79 |
| State Farm | $42 | $82 |
| Safeco | $46 | $72 |
| Progressive | $51 | $74 |
| Liberty Mutual | $51 | $111 |
| Allstate | $64 | $124 |
| GEICO | $64 | $124 |
| Foremost | $73 | $181 |
| Travelers | $74 | $144 |
| Direct Auto | $75 | $145 |
| National General | $75 | $143 |
| Dairyland | $77 | $215 |
| The General | $96 | $168 |
| Bristol West | $98 | $193 |
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.
Average Maine car insurance rates by city
The average cost of car insurance can depend on your city and ZIP code, even within the same state. Location-based factors that can affect base rates in an area include population density, traffic congestion, crime rates, motor vehicle theft rates, and more.[3]
Drivers in Maine’s most populated cities may face higher average rates than the state average. For example, Portland drivers pay more on average for full coverage and minimum liability insurance than the Maine average rate.
The table below has average car insurance quotes in Bangor and Portland, two of the most populated cities in the state of Maine.
Average Maine car insurance rates by age
Age is one of the biggest factors that can affect the cost of your car insurance policy. In general, teen drivers pay the highest rates for coverage because they pose a higher risk to insurers than more experienced drivers.
Drivers between 35 and 69 pay the lowest average rates. Insurance costs tend to increase again for senior drivers 70 and older due to aging-related risk factors.
Below, you can see average car insurance quotes in Maine for drivers in different age groups.
Rates by Age
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.
How gender affects car insurance rates in Maine
Gender is another car insurance rating factor insurers may use in Maine. Statistics show that men are more likely to have more serious accidents than women. Men are also more likely to drive while impaired. Because of that, male drivers typically pay higher rates than female drivers.
However, age is also an important factor. Young drivers see a bigger difference in auto insurance rates by gender. For 16-year-old drivers, the cost difference between male and female drivers is significant. For 50-year-old drivers, male drivers only pay slightly higher rates than female drivers.
Below, you can see average car insurance quotes in Maine based on age and gender.
Age ▲▼ | Male ▲▼ | Female ▲▼ |
|---|---|---|
| 16 | $351 | $287 |
| 35 | $168 | $152 |
| 50 | $129 | $123 |
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.
How your driving record affects car insurance rates in Maine
Your driving record is one of the most significant car insurance rating factors. People who have a clean driving record with no incidents usually pay the cheapest car insurance rates. Drivers with one or more accidents, speeding tickets, and DUI convictions on their record often pay higher rates for their car insurance.
In Maine, drivers with an incident on their record pay $122 per month for liability coverage and $220 for full coverage.
You can see the average car insurance quotes in Maine for drivers with various incidents on their records in the table below.
Driver Record ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Clean record | $86 | $155 |
| With accident | $139 | $250 |
| With speeding ticket | $153 | $276 |
| With DUI | $156 | $281 |
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
Drivers using Insurify have found quotes as cheap as $56/mo for liability only and $82/mo for full coverage in Maine.
*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.
Average Maine car insurance rates by marital status
Your marital status can affect your car insurance rates. If you’re married, you might pay slightly less for your car insurance. According to the data below, married drivers in Maine pay about 5% less for liability car insurance and 4% less for full coverage than single drivers.
Married drivers might qualify for certain car insurance discounts that can help them save money. For example, if you and your spouse each have a vehicle, you could get a multi-vehicle discount if you insure both cars on the same insurance policy.
Below, you can see average quotes for auto insurance by marital status in Maine.
Marital Status ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Married | $81 | $165 |
| Single | $85 | $171 |
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.
Average Maine car insurance rates by credit tier
Car insurance companies in Maine can consider your credit-based insurance scores when determining your premium. Drivers with good and excellent credit typically pay the lowest rates, whereas people with poor credit pay higher rates.
Below, you can see average car insurance quotes for Maine drivers by credit tier and coverage level.
Credit Tier ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Poor | $133 | $269 |
| Fair | $91 | $185 |
| Good | $83 | $168 |
| Excellent | $75 | $151 |
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.
Maine car insurance FAQs
Drivers in Maine pay less for car insurance than the average American driver. The information below should help answer any remaining questions about the price of car insurance in Maine.
What is the average cost of car insurance in Maine?
Maine drivers pay $155 per month for a full-coverage car insurance policy and $86 for liability coverage, on average. The overall cost of coverage in the state is $121. However, car insurance rates vary by driver depending on factors like age, credit history, and driving record.
What is the cheapest car insurance in Maine?
USAA has the cheapest car insurance in Maine, with rates starting at $41 for liability coverage. State Farm also offers cheap coverage, starting at at $42 per month for liability insurance. Comparing quotes is the best way to find the cheapest car insurance for your needs.
Do car insurance rates vary by county in Maine?
Yes. Car insurance rates can differ based on your county and ZIP code in Maine due to risk factors like population density, crime and theft rates, and more. For instance, the average cost of car insurance is higher in Portland than in Bangor. Portland is in Cumberland County, and Bangor is in Penobscot County.
What are the best auto insurance companies in Maine?
The best car insurance companies in Maine include State Farm, USAA, and Travelers. Of the three insurers, State Farm earned the highest Insurify Quality (IQ) Score of 9.3 out of 5. USAA earned an IQ Score of 9.4, and Travelers earned a 9.0. The right car insurance company for you will depend on your location, coverage needs, and budget.
What are the car insurance requirements in Maine?
Vehicle owners in Maine must carry at least 50/100/25 in liability insurance and 50/100 in uninsured/underinsured motorist insurance. Additionally, Maine requires drivers to carry at least $2,000 per person in medical payments coverage, which pays for your medical bills if you have an injury from a car accident.[4]
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
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- State of Maine Bureau of Insurance. "Insurance Required by Law."
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Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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