$24/mo
$25/mo
$26/mo
The car 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. 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.
The car owners in Maine pays on an average of $697 for six months for car insurance, which is less than the national average. MMG offers cheap and the best rates in Maine.
MMG offers the cheapest liability coverage in Maine at $24/month; thus making it an attractive option for drivers looking to save money.
Read about the cheapest liability coverage companies in Maine ↓
Concord Group provides cheap full insurance coverage in Maine at $56/month, offering excellent value.
Read about the cheapest full coverage companies in Maine ↓
Vermont Mutual is the cheapest option after an at-fault accident in Maine at $26 per month.
Read more about best car insurance companies after at-fault accident in Maine ↓
Vermont Mutual was named the best overall by J.D. Power and AM Best, making it a top pick among Maine’s best car insurers.
Check out the full list of the best car insurance companies in Maine ↓For drivers looking to meet Maine minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in Maine is widely available from providers like MMG at $24/month. If you opt for Farmers you will have to pay at least $49/month for your car insurance premium, which is the highest in Maine.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| MMG | $143 | $24 |
| USAA | $149 | $25 |
| Auto-Owners | $154 | $26 |
| Vermont Mutual | $154 | $26 |
| Concord Group | $172 | $29 |
| Frankenmuth | $184 | $31 |
| Travelers | $208 | $35 |
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis Concord Group offers the cheapest car insurance for full coverage in Maine at $56 per month. On the other hand Farmers offers the most expensive rate at $189 per month.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Concord Group | $339 | $56 |
| Travelers | $428 | $72 |
| Vermont Mutual | $434 | $73 |
| USAA | $469 | $79 |
| Auto-Owners | $552 | $92 |
| Progressive | $665 | $112 |
| MMG | $731 | $123 |
Get Your Car Insurance Quote in Maine Instantly!
Vermont Mutual stands out as the best car insurance provider in Maine, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, Travelers is a top pick for drivers seeking value and reliability.
Vermont Mutual offers a six-month premium of $220, which amounts to approximately $37 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance.
The average premium of Travelers is $232, which is higher than Vermont Mutual's by $12. Their higher monthly premium is, due to their strict policies on traffic violations.
Concord Group's premium is $255, which is significantly more expensive than Travelers's by $23. Their monthly premium is higher due to their strict policies on DUI infractions.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Vermont Mutual | $220 | $37 |
| Travelers | $232 | $39 |
| Concord Group | $255 | $43 |
| Progressive | $297 | $51 |
Teens and young drivers in Maine often face high
car insurance rates, especially those aged 16 to 19. This is because inexperienced
drivers pose a higher risk. The average cost for teens in Maine is
$1467 for 6 months, which is less than the national average.
Auto-Owners is the best options for cheap
car insurance for young drivers in Maine.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $214 | $36 |
| Concord Group | $238 | $40 |
| Vermont Mutual | $238 | $40 |
| Patriot Insurance | $261 | $44 |
| Countryway Insurance | $267 | $45 |
| Travelers | $748 | $126 |
| USAA | $903 | $152 |
Car insurance rates in Maine have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Maine rose by $154 in Feb compared to $153 of Jan. In other words, there has been an increase by $1 when you compare Feb and Jan.
The average liability insurance cost in the Maine remained steady at $154 in both Feb and Jan, indicating no change over the two-month period.
Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that Vermont Mutual gives you the cheapest car insurance rate after an at-fault accident in Maine at $26/month. On the other hand Farmers is the most expensive option at $391/month for an at-fault accident.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Vermont Mutual | $154 | $26 |
| Auto-Owners | $244 | $41 |
| Patriot Insurance | $244 | $41 |
| Concord Group | $249 | $42 |
| Electric | $321 | $53 |
| Travelers | $446 | $75 |
| USAA | $451 | $76 |
If you are living in Maine you should opt for Concord Group. Concord Group ranks as number 1 across various factors like customer satisfaction, claims and rates.
In Maine, your Auto insurance premiums can rise
significantly due to traffic violations. The extent of the increase depends on factors
such as the violation type, local regulations, and the insurer's policies. Minor
offenses like speeding might cause a small increase, while more serious violations, such
as DUIs, can lead to much higher rates. Additionally, the effect on premiums in
Maine may differ from the national average due to regional risks and rules.
Here’s a breakdown of average car insurance rates in Maine after
common driving violations.
| Accident/Violation | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| None | $612 | $102 |
| One Med/PIP claim | $618 | $105 |
| Two Med/PIP claims | $647 | $108 |
| One comp claim | $653 | $111 |
| Not-at-fault accident | $659 | $110 |
| Driving without lights | $695 | $118 |
| Failure to show documents | $701 | $117 |
Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in Maine is Auto-Owners at $43 per month. Sentry at $849 per month is the most expensive provider.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $255 | $43 |
| Countryway Insurance | $261 | $44 |
| Concord Group | $279 | $47 |
| Travelers | $475 | $80 |
| Progressive | $677 | $114 |
| MMG | $707 | $119 |
| USAA | $719 | $121 |
An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.
Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.
You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.
A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Chebeague Island | $731 | $122 |
| Cousins Island | $731 | $124 |
| South Portland | $731 | $123 |
| Yarmouth | $731 | $124 |
| Cumberland Foreside | $737 | $123 |
| Bridgewater | $743 | $126 |
| Cumberland Center | $743 | $124 |
| Easton | $743 | $126 |
| Mars Hill | $743 | $124 |
| Presque Isle | $743 | $126 |
| Brunswick | $748 | $125 |
| Brunswick Station | $748 | $127 |
