Why Compare Car Insurance Rates in Maine:
In Maine, the cost of car insurance is relatively low. Annual auto insurance premiums in Maine are on average $927, which is 35.1 percent lower than the national average. There are fewer drivers on the road, fewer accidents and claims, and lower insurance costs as a result of these factors. If it weren't for the state of Maine's strict minimum coverage requirements, car insurance in the state would be significantly less expensive. If you just got your driver's license or recently moved to Maine, you might be curious about the state's auto insurance laws and how to get the cheap yet best car insurance in Maine.
All states require you to buy such insurance coverage before you can register your car. According to the Maine Insurance Department, all car owners must have at least the following:
| Coverage Type | Minimum Coverage Limit |
|---|---|
| Bodily injury liability coverage | $50,000 per person $100,000 per accident |
| Property damage liability coverage | $25,000 per accident |
| Uninsured/underinsured motorist liability (UM/UIM) | $50,000 per person $100,000 per accident |
| Medical payments | $2,000 per person |
You can learn more from our guide to different types of car insurance coverages
State Farm offers the most affordable mandatory minimum auto insurance rates in the state of Maine. In comparison to the state average, its minimum-coverage policy costs $370 per year. For minimum liability coverage, Maine drivers can expect to pay $465 per year, or $40 per month. Full-coverage car insurance in Concord, Maine, costs the least at $825 a year, or $70 a month. However, rates vary greatly depending on the car insurance companies, your region, your driving record, and other things. Compare quotes from various insurance to ensure you get the best deal.
Anyone in Maine who owns or operates a vehicle is required by law to maintain the bare minimum levels of insurance, and proof of this insurance is required in order to register your vehicle (s). To ensure that your assets are adequately protected in the event of a claim that exceeds these minimum amounts, you should take into account the amount of coverage you will need.
With the help of Way.com, you can obtain quotes in Maine from a wide range of top insurance providers and compare coverage options and prices to find the vehicle insurance policy that best suits your needs.
In the event of a collision in which you are liable, liability insurance will pay for the damages to other people's bodies and property.
As a result, you should carefully consider whether your assets will be adequately protected if you cause a car accident with coverage at the minimum limits.
Uninsured and underinsured motorist coverage is also required. Insurers are required by law to provide $50,000 per person and $100,000 per accident in uninsured/underinsured motorist coverage (UM). If the other driver responsible for the accident does not have insurance, or if the other driver's limits are less than your UM limit, this coverage protects you and your passengers. In Maine, unless you reject the higher UM limit in writing, your UM limit must match your liability limit if it is higher than the minimum.
Medical payments coverage of at least $2,000 per person is also required by law, and this covers the costs of medical care for you and your passengers. At a relatively low cost, additional limits of $5,000 to $10,000 can be added.
In Maine, it is against the law to drive a car or any other vehicle without proof of insurance or financial responsibility. All motorists in the state of Maine are required to show proof of current insurance coverage while operating a vehicle. Digital copies of proof of auto insurance are now accepted in Maine. "Evidence of liability insurance or financial responsibility may be in electronic form, including the display of an image on a portable electronic device," according to the law.
The average cost of car insurance in Maine is $583 per year, or $40 per month, for minimum liability. However, active military service members, veterans and their families may find cheaper rates through USAA, at $516 per year. Refer the following table to get the numbers of the different insurance quotes.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $516 |
| Concord General Mutual | $583 |
| Travelers | $749 |
| MetLife | $757 |
| State Farm | $762 |
| Statewide Average | $865 |
| Progressive | $906 |
| MMG Insurance | $957 |
| Allstate | $1,197 |
| Farmers Insurance | $1,495 |
It's possible to save money on car insurance without having to compromise on coverage. Low-cost car insurance is available in Maine from a variety of providers. Using data on average annual rates, we located some of the most cost-effective auto insurance providers in the state of Maine. According to our in-house market research, these companies offer the best auto insurance in Maine.
When it comes to finding cheap car insurance for young drivers in Maine, Concord is the place to go. Minimum coverage costs $935 per year, while full coverage costs $1,542 these are 37% and 49% lower than the state average, respectively.
| COMPANY | 18-YEAR-OLD FEMALES | 18-YEAR-OLD MALES |
|---|---|---|
| Allstate | $2,856 | $3,761 |
| Concord General Mutual | $1,542 | $1,718 |
| Farmers Insurance | $4,517 | $5,178 |
| MMG Insurance | $2,467 | $2,987 |
| Progressive | $5,428 | $6,134 |
| State Farm | $2,140 | $2,674 |
| Travelers | $2,282 | $2,820 |
| USAA | $1,772 | $1,955 |
| Statewide Average | $2,762 | $3,277 |
If you have received a speeding ticket, USAA is the best option for your insurance policy. After getting a ticket, the annual premium for full-coverage went up to $1,939.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $592 |
| Concord General Mutual | $669 |
| State Farm | $846 |
| MetLife | $904 |
| Statewide Average | $1,049 |
| Travelers | $1,051 |
| MMG Insurance | $1,156 |
| Progressive | $1,229 |
| Allstate | $1,342 |
| Farmers Insurance | $1,939 |
When it comes to insurance for drivers who have been involved in an accident, USAA is the most affordable option, offering rates as low as $721 per year.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $721 |
| Concord General Mutual | $829 |
| State Farm | $909 |
| MetLife | $1048 |
| Travelers | $1,088 |
| MMG Insurance | $1,150 |
| Statewide Average | $1,221 |
| Allstate | $1,571 |
| Progressive | $1,673 |
| Farmers Insurance | $2,101 |
State Farm is the most affordable option in Maine for drivers who have been found guilty of a DUI or DWI. The average annual insurance premium goes up to $836 after just one infraction.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| State Farm | $836 |
| Concord General Mutual | $962 |
| USAA | $1,038 |
| Progressive | $1,040 |
| Travelers | $1,185 |
| MetLife | $1,274 |
| Statewide Average | $1,289 |
| MMG Insurance | $1,610 |
| Allstate | $1,627 |
| Farmers Insurance | $1,725 |
Concord is the cheapest car insurance company for couples with a full-coverage annual premium of $685- an 18% savings over unmarried drivers' premiums.
| COMPANY | Annual rate |
|---|---|
| Concord | $685 |
| USAA | $695 |
| State Farm | $835 |
| Progressive | $1,190 |
| Allstate | $1,565 |
For young drivers who have been involved in an at-fault accident, Concord has the most affordable car insurance rates. Concord's minimum-coverage insurance costs $1,380, which is 30% less expensive than the state's average rate.
| COMPANY | Annual rate |
|---|---|
| Concord | $1,380 |
| USAA | $1,425 |
| State Farm | $1,455 |
| Allstate | $2,090 |
| Progressive | $4,050 |
The average full coverage policy in Maine costs $1500 a year, making it one of the most expensive states in the country for car insurance. Even though these averages can give you a good idea of how costs may vary, your car insurance rates are likely to be unique. Insuring a vehicle is affected by a number of factors, including the location in which it is kept.
| City | Annual Rate |
|---|---|
| Acton | $1,049 |
| Addison | $1,073 |
| Albion | $1,085 |
| Alfred | $1,049 |
| Alna | $1,073 |
| Andover | $1,085 |
| Anson | $1,097 |
| Ashland | $1,001 |
| Athens | $1,073 |
| Auburn | $1,061 |
| Augusta | $1,073 |
| Aurora | $1,073 |
| Bailey Island | $1,025 |
| Bangor | $1,049 |
| Bar Harbor | $1,073 |
| Bar Mills | $1,049 |
| Bass Harbor | $1,061 |
| Bath | $1,025 |
| Beals | $1,073 |
| Belfast | $1,037 |
| Belgrade | $1,085 |
| Belgrade Lakes | $1,133 |
| Benedicta | $1,013 |
| Bernard | $1,073 |
| Berwick | $1,049 |
| Bethel | $1,085 |
| Biddeford | $1,013 |
| Biddeford Pool | $1,025 |
| Bingham | $1,073 |
| Birch Harbor | $1,085 |
| Blaine | $989 |
| Blue Hill | $1,121 |
| Boothbay | $1,049 |
| Boothbay Harbor | $1,061 |
| Bowdoin | $1,037 |
| Bowdoinham | $1,013 |
| Bradford | $1,025 |
| Bradley | $1,001 |
| Bremen | $1,085 |
| Brewer | $1,049 |
| Bridgewater | $989 |
| Bridgton | $1,085 |
| Bristol | $1,097 |
| Brooklin | $1,097 |
| Brooks | $1,049 |
| Brooksville | $1,109 |
| Brookton | $1,097 |
| Brownfield | $1,085 |
| Brownville | $1,013 |
| Brownville Junction | $1,025 |
| Brunswick | $1,001 |
| Brunswick Station | $1,001 |
| Bryant Pond | $1,097 |
| Buckfield | $1,073 |
| Bucksport | $1,097 |
| Burlington | $1,001 |
| Burnham | $1,061 |
| Bustins Island | $1,013 |
| Buxton | $1,061 |
| Calais | $1,073 |
| Cambridge | $1,061 |
| Camden | $1,025 |
| Canaan | $1,073 |
| Canton | $1,085 |
| Cape Elizabeth | $1,001 |
| Cape Neddick | $1,037 |
| Cape Porpoise | $1,037 |
| Caratunk | $1,061 |
| Caribou | $1,001 |
| Carmel | $1,061 |
| Casco | $1,085 |
| Castine | $1,097 |
| Center Lovell | $1,109 |
| Chamberlain | $1,073 |
| Charleston | $1,025 |
| Chebeague Island | $1,001 |
| Cherryfield | $1,097 |
| China Village | $1,085 |
| Chisholm | $1,097 |
| Clayton Lake | $989 |
| Cliff Island | $1,037 |
| Clinton | $1,085 |
| Columbia Falls | $1,085 |
| Coopers Mills | $1,073 |
| Corea | $1,109 |
| Corinna | $1,037 |
| Corinth | $1,061 |
| Cornish | $1,061 |
| Cousins Island | $1,001 |
| Cranberry Isles | $1,073 |
| Crouseville | $989 |
| Cumberland Center | $1,001 |
| Cumberland Foreside | $1,013 |
| Cushing | $1,037 |
| Cutler | $1,109 |
| Damariscotta | $1,085 |
| Danforth | $1,073 |
| Danville | $1,049 |
| Deer Isle | $1,097 |
| Denmark | $1,085 |
| Dennysville | $1,097 |
| Detroit | $1,073 |
| Dexter | $1,001 |
| Dixfield | $1,097 |
| Dixmont | $1,073 |
| Dover-Foxcroft | $1,013 |
| Dresden | $1,073 |
| Dryden | $1,097 |
| Durham | $1,073 |
| Eagle Lake | $1,025 |
| East Andover | $1,085 |
| East Baldwin | $1,073 |
| East Blue Hill | $1,121 |
| East Boothbay | $1,061 |
| East Dixfield | $1,085 |
| East Livermore | $1,085 |
| East Machias | $1,097 |
| East Millinocket | $1,013 |
| East Newport | $1,049 |
| East Orland | $1,073 |
| East Parsonsfield | $1,049 |
| East Poland | $1,109 |
| East Vassalboro | $1,085 |
| East Waterboro | $1,061 |
| East Wilton | $1,085 |
| East Winthrop | $1,085 |
| Easton | $989 |
| Eastport | $1,097 |
| Eddington | $1,025 |
| Edgecomb | $1,061 |
| Eliot | $1,025 |
| Ellsworth | $1,097 |
| Estcourt Station | $1,037 |
| Etna | $1,073 |
| Eustis | $1,049 |
| Exeter | $1,037 |
| Fairfield | $1,073 |
| Falmouth | $1,025 |
| Falmouth Foreside | $1,013 |
| Farmingdale | $1,061 |
| Farmington | $1,073 |
| Farmington Falls | $1,073 |
| Fort Fairfield | $1,001 |
| Fort Kent | $1,013 |
| Fort Kent Mills | $1,013 |
| Frankfort | $1,061 |
| Franklin | $1,085 |
| Freedom | $1,073 |
| Freeport | $1,013 |
| Frenchboro | $1,073 |
| Frenchville | $1,025 |
| Friendship | $1,037 |
| Fryeburg | $1,085 |
| Gardiner | $1,073 |
| Garland | $1,025 |
| Georgetown | $1,001 |
| Gorham | $1,025 |
| Gouldsboro | $1,109 |
| Grand Isle | $1,025 |
| Grand Lake Stream | $1,073 |
| Gray | $1,025 |
| Greenbush | $1,037 |
| Greene | $1,121 |
| Greenville | $1,001 |
| Greenville Junction | $1,001 |
| Greenwood | $1,097 |
| Guilford | $1,025 |
| Hallowell | $1,073 |
| Hampden | $1,061 |
| Hancock | $1,109 |
| Hanover | $1,085 |
| Harborside | $1,097 |
| Harmony | $1,061 |
| Harpswell | $1,013 |
| Harrington | $1,085 |
| Harrison | $1,085 |
| Hartland | $1,073 |
| Hebron | $1,097 |
| Hinckley | $1,085 |
| Hiram | $1,097 |
| Holden | $1,025 |
| Hollis Center | $1,049 |
| Hope | $1,037 |
| Houlton | $989 |
| Howland | $1,013 |
| Hudson | $1,049 |
| Hulls Cove | $1,073 |
| Island Falls | $1,001 |
| Isle Au Haut | $1,025 |
| Isle of Springs | $1,073 |
| Islesboro | $1,049 |
| Islesford | $1,073 |
| Jackman | $1,037 |
| Jay | $1,097 |
| Jefferson | $1,085 |
| Jonesboro | $1,085 |
| Jonesport | $1,085 |
| Kenduskeag | $1,049 |
| Kennebunk | $1,049 |
| Kennebunkport | $1,049 |
| Kents Hill | $1,097 |
| Kingfield | $1,073 |
| Kingman | $1,025 |
| Kittery | $1,025 |
| Kittery Point | $1,037 |
| Lagrange | $1,025 |
| Lake Arrowhead | $1,037 |
| Lambert Lake | $1,073 |
| Lebanon | $1,049 |
| Lee | $1,013 |
| Leeds | $1,109 |
| Levant | $1,025 |
| Lewiston | $1,085 |
| Liberty | $1,037 |
| Limerick | $1,061 |
| Limestone | $1,001 |
| Limington | $1,037 |
| Lincoln | $1,001 |
| Lincolnville | $1,037 |
| Lincolnville Center | $1,037 |
| Lisbon | $1,085 |
| Lisbon Falls | $1,085 |
| Litchfield | $1,097 |
| Little Deer Isle | $1,109 |
| Little Falls | $1,025 |
| Livermore | $1,085 |
| Livermore Falls | $1,097 |
| Long Island | $989 |
| Lovell | $1,109 |
| Lubec | $1,109 |
| Machias | $1,097 |
| Machiasport | $1,109 |
| Madawaska | $1,037 |
| Madison | $1,085 |
| Manchester | $1,073 |
| Mapleton | $1,001 |
| Mars Hill | $1,001 |
| Matinicus | $1,085 |
| Mattawamkeag | $1,001 |
| Mechanic Falls | $1,097 |
| Meddybemps | $1,085 |
| Medway | $1,001 |
| Mexico | $1,085 |
| Milbridge | $1,097 |
| Milford | $1,013 |
| Millinocket | $1,001 |
| Milo | $1,037 |
| Minot | $1,109 |
| Monhegan | $1,121 |
| Monmouth | $1,109 |
| Monroe | $1,049 |
| Monson | $1,013 |
| Monticello | $989 |
| Moody | $1,013 |
| Morrill | $1,049 |
| Mount Desert | $1,085 |
| Mount Vernon | $1,073 |
| Naples | $1,097 |
| New Gloucester | $1,073 |
| New Harbor | $1,073 |
| New Limerick | $989 |
| New Portland | $1,073 |
| New Sharon | $1,085 |
| New Sweden | $1,001 |
| New Vineyard | $1,085 |
| Newcastle | $1,085 |
| Newport | $1,049 |
| Newry | $1,073 |
| Nobleboro | $1,097 |
| Norridgewock | $1,085 |
| North Anson | $1,085 |
| North Berwick | $1,049 |
| North Bridgton | $1,073 |
| North Haven | $1,013 |
| North Jay | $1,097 |
| North Monmouth | $1,085 |
| North Turner | $1,097 |
| North Vassalboro | $1,097 |
| North Waterboro | $1,037 |
| North Waterford | $1,085 |
| North Windham | $1,025 |
| North Yarmouth | $1,025 |
| Northeast Harbor | $1,061 |
| Norway | $1,073 |
| Oakfield | $1,001 |
| Oakland | $1,085 |
| Ocean Park | $1,013 |
| Ogunquit | $1,025 |
| Old Orchard Beach | $1,013 |
| Old Town | $1,013 |
| Oquossoc | $1,061 |
| Orient | $1,013 |
| Orland | $1,097 |
| Orono | $1,037 |
| Orrington | $1,013 |
| Orrs Island | $1,025 |
| Owls Head | $1,037 |
| Oxbow | $1,001 |
| Oxford | $1,085 |
| Palermo | $1,061 |
| Palmyra | $1,073 |
| Parsonsfield | $1,073 |
| Passadumkeag | $1,037 |
| Patten | $977 |
| Peaks Island | $1,001 |
| Pemaquid | $1,073 |
| Pembroke | $1,085 |
| Penobscot | $1,133 |
| Perham | $1,001 |
| Perry | $1,097 |
| Peru | $1,097 |
| Phillips | $1,073 |
| Phippsburg | $1,013 |
| Pittsfield | $1,049 |
| Plymouth | $1,049 |
| Poland | $1,121 |
| Port Clyde | $1,013 |
| Portage | $989 |
| Porter | $1,109 |
| Portland | $1,061 |
| Pownal | $1,037 |
| Presque Isle | $989 |
| Princeton | $1,073 |
| Prospect Harbor | $1,085 |
| Randolph | $1,073 |
| Rangeley | $1,061 |
| Raymond | $1,085 |
| Readfield | $1,109 |
| Richmond | $1,013 |
| Robbinston | $1,085 |
| Rockland | $1,013 |
| Rockport | $1,025 |
| Rockwood | $1,037 |
| Round Pond | $1,085 |
| Roxbury | $1,085 |
| Rumford | $1,097 |
| Sabattus | $1,085 |
| Saco | $1,025 |
| Saint Agatha | $1,025 |
| Saint Albans | $1,061 |
| Saint David | $1,025 |
| Saint Francis | $1,013 |
| Salsbury Cove | $1,073 |
| Sandy Point | $1,049 |
| Sanford | $1,049 |
| Sangerville | $1,037 |
| Sargentville | $1,121 |
| Scarborough | $1,013 |
| Seal Cove | $1,085 |
| Seal Harbor | $1,085 |
| Searsmont | $1,061 |
| Searsport | $1,061 |
| Sebago | $1,085 |
| Sebasco Estates | $1,025 |
| Sebec | $1,001 |
| Sedgwick | $1,109 |
| Shapleigh | $1,061 |
| Shawmut | $1,085 |
| Sheridan | $1,001 |
| Sherman | $1,001 |
| Shirley Mills | $1,025 |
| Sinclair | $1,025 |
| Skowhegan | $1,085 |
| Smithfield | $1,073 |
| Smyrna Mills | $989 |
| Solon | $1,085 |
| Sorrento | $1,097 |
| South Berwick | $1,025 |
| South Bristol | $1,061 |
| South Casco | $1,073 |
| South China | $1,085 |
| South Eliot | $1,025 |
| South Freeport | $1,121 |
| South Gardiner | $1,061 |
| South Paris | $1,109 |
| South Portland | $1,013 |
| South Sanford | $1,049 |
| South Thomaston | $1,025 |
| South Windham | $1,037 |
| Southport | $1,073 |
| Southwest Harbor | $1,073 |
| Springfield | $1,013 |
| Springvale | $1,037 |
| Spruce Head | $1,025 |
| Squirrel Island | $1,049 |
| Stacyville | $989 |
| Standish | $1,037 |
| Steep Falls | $1,061 |
| Stetson | $1,037 |
| Steuben | $1,109 |
| Stillwater | $1,037 |
| Stockholm | $1,001 |
| Stockton Springs | $1,061 |
| Stoneham | $1,097 |
| Stonington | $1,073 |
| Stratton | $1,061 |
| Strong | $1,085 |
| Sullivan | $1,097 |
| Sumner | $1,109 |
| Sunset | $1,073 |
| Surry | $1,109 |
| Swans Island | $1,049 |
| Temple | $1,073 |
| Tenants Harbor | $1,013 |
| Thomaston | $1,025 |
| Thorndike | $1,073 |
| Topsfield | $1,085 |
| Topsham | $1,001 |
| Trevett | $1,097 |
| Troy | $1,073 |
| Turner | $1,109 |
| Union | $1,037 |
| Unity | $1,085 |
| Van Buren | $1,037 |
| Vanceboro | $1,109 |
| Vassalboro | $1,097 |
| Vienna | $1,097 |
| Vinalhaven | $1,025 |
| Waite | $1,085 |
| Waldoboro | $1,085 |
| Wallagrass | $1,025 |
| Walpole | $1,061 |
| Warren | $1,049 |
| Washburn | $989 |
| Washington | $1,049 |
| Waterboro | $1,061 |
| Waterford | $1,085 |
| Waterville | $1,073 |
| Wayne | $1,085 |
| Weld | $1,073 |
| Wells | $1,025 |
| Wesley | $1,133 |
| West Baldwin | $1,085 |
| West Bethel | $1,085 |
| West Boothbay Harbor | $1,049 |
| West Enfield | $1,013 |
| West Farmington | $1,061 |
| West Forks | $1,061 |
| West Kennebunk | $1,049 |
| West Minot | $1,097 |
| West Newfield | $1,061 |
| West Paris | $1,097 |
| West Poland | $1,109 |
| West Rockport | $1,025 |
| Westbrook | $1,013 |
| Westfield | $1,001 |
| Whitefield | $1,073 |
| Whiting | $1,085 |
| Wilton | $1,085 |
| Windham | $1,025 |
| Windsor | $1,073 |
| Winn | $1,001 |
| Winslow | $1,061 |
| Winter Harbor | $1,097 |
| Winterport | $1,049 |
| Winthrop | $1,085 |
| Wiscasset | $1,061 |
| Woodland Washington County | $1,085 |
| Woolwich | $1,037 |
| Wytopitlock | $989 |
| Yarmouth | $1,001 |
| York | $1,025 |
| York Beach | $1,025 |
| York Harbor | $1,025 |
Cheap auto insurance in Maine with bad credit
| COMPANY | Avg. Annual Premium |
|---|---|
| USAA | $1,207 |
| Travelers | $1,384 |
| Allstate | $2,209 |
| Progressive | $2,553 |
| State Farm | $2,918 |
Maine auto insurance rate by violation
| Accident/Violation | Avg. Annual Premium | % Rate Increase | $ Rate Increase |
|---|---|---|---|
| None | $1,249 | 1% | $10 |
| One Med/PIP claim | $1,254 | 1% | $15 |
| Two Med/PIP claims | $1,323 | 7% | $84 |
| One comp claim | $1,325 | 7% | $86 |
| Not-at-fault accident | $1,339 | 8% | $100 |
| Driving without lights | $1,417 | 15% | $178 |
| Failure to show documents | $1,421 | 15% | $182 |
| Failure to wear a seat belt | $1,432 | 16% | $193 |
| Child safety restraint | $1,453 | 17% | $214 |
| Two comp claims | $1,470 | 19% | $231 |
| Driving with expired registration | $1,493 | 21% | $254 |
| Speeding in school zone | $1,506 | 22% | $267 |
| Speeding 6 - 10 MPH over limit | $1,506 | 22% | $267 |
| Driving too slowly | $1,496 | 22% | $267 |
| Speeding 11 - 15 MPH over limit | $1,510 | 22% | $271 |
| In 65 MPH zone | $1,518 | 23% | $279 |
| Following too closely | $1,526 | 23% | $286 |
| Illegal turn | $1,526 | 23% | $287 |
| Improper passing | $1,529 | 24% | $290 |
| Failure to yield | $1,535 | 24% | $296 |
| Failure to stop at a red light | $1,535 | 24% | $296 |
| Speeding 16 - 20 MPH over limit | $1,542 | 25% | $303 |
| Speeding 21 - 25 MPH over limit | $1,548 | 25% | $308 |
| Wrong way/wrong lane | $1,551 | 25% | $312 |
| Passing school bus | $1,602 | 2% | $363 |
| Cell phone violation | $1,643 | 30% | $404 |
| Texting while driving | $1,675 | 35% | $436 |
| At-fault accident - less than $1000 | $1,716 | 39% | $476 |
| Open container | $1,792 | 45% | $553 |
| Operating a vehicle without permission | $1,828 | 48% | $589 |
| At-fault accident - $1000-$2000 | $1,873 | 51% | $634 |
| At-fault accident - greater than $2000 | $1,889 | 53% | $650 |
| Racing | $2,103 | 70% | $864 |
| Reckless driving | $2,158 | 74% | $919 |
| Driving with a suspended license | $2,158 | 74% | $919 |
| DUI | $2,260 | 83% | $1,021 |
| Refusal to submit to a chemical test | $2,260 | 83% | $1,021 |
| Leaving scene of an accident/hit and run | $2,402 | 94% | $1,163 |
Auto insurance pricing trends in Maine
| Year | Avg. Annual Premium - Maine | Yearly Change - Maine | Avg. Annual Premium - USA | Yearly Change - USA |
|---|---|---|---|---|
| 2021 | $1,045 | -$55 | $1,539 | $56 |
| 2020 | $1,110 | $155 | $1,493 | -$51 |
| 2019 | $945 | -$13 | $1,554 | $33 |
| 2018 | $948 | -$788 | $1,531 | $94 |
| 2017 | $1,746 | $298 | $1,447 | $79 |
| 2016 | $1,458 | -$19 | $1,378 | $98 |
| 2015 | $1,487 | $56 | $1,290 | $61 |
| 2014 | $1,441 | $186 | $1,239 | $44 |
| 2013 | $1,265 | $27 | $1,205 | -$70 |
| 2012 | $1,248 | $58 | $1,286 | $92 |
You can take several steps to help you in your search for the best car insurance in Maine. With so many options in the insurance market, finding the best car insurance can be difficult. Comparing top-rated insurance companies via an online comparison tool is an excellent place to start. Research some of the best-rated insurance companies.
Your situation, driving habits, and history are the most critical factors determining your car insurance premiums in Maine. While average premiums vary from state to state, you may also want to consider how state-specific conditions affect you in terms of preferred coverages.
If you drive a lot in the winter, especially if the state gets a lot of snow, you may want to consider adding emergency roadside assistance to your insurance policy.
When it comes to personal factors, it can be helpful to consider both your own and your insurer's standards. Insurers typically use information about your age, vehicle type, and credit score to determine your premiums. Keeping this in mind, it may be helpful to prepare this information and keep it handy when applying for multiple quotes. To narrow down your list of potential providers, think about the most important features to you, such as rental reimbursement or first-accident forgiveness.
If you feel that you would need help in the above-mentioned ways, we would advise you to get in touch with your insurance agent.
There are a variety of auto insurance discounts available in Maine, but they will vary from agency to agency. If you're changing insurance providers, see if they have a transition discount. You could be able to save money by moving.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Maine's average annual car insurance premium is $927, 35.1 percent lower than the national average.
Maine auto insurance is reasonably priced. Maine's average annual car insurance premium is $927, 35.1 percent lower than the national average.
It is illegal to operate a motor vehicle in Maine without evidence of insurance or financial responsibility. Throughout the registration period, the driver must show evidence of continuous insurance.
Yes, it is important to have car insurance.
Maine is an "at-fault" state for auto insurance. In essence, the driver who is legally at fault for the crash bears responsibility for damages (financial compensation) for any injuries incurred in the accident, including medical bills, lost income, property damage, and other costs.
For a policy of $250000 in dwelling coverage, the average cost of homeowners insurance in Maine is $996 per year. In contrast, the total annual cost of homeowners insurance in the United States is $1482.
MdPay is required in Maine. Not PIP, nor the state's minimum coverage requirement for medical benefits. This bare minimum extends only to drivers who want to buy coverage in New Hampshire.
Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania, and Utah are among the thirteen states that require PIP insurance, also known as personal injury cover.
Maine law mandates that drivers have auto insurance. The following are the minimum coverage requirements: $50000 per person/$100000 per accident for bodily injury liability insurance. Insurance for property damage liability is $25000 per accident.
To register your vehicle in Maine, carry your tag, your out-of-state registration certificate, and your present, dated insurance card to your town government office if your car is 1995 or newer (you don't need a title if your car's model year is older than 1995).
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
For the best user experience, please download our Way app.
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