Cheapest Car Insurance Quotes in Cape Neddick

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Cape Neddick Car Insurance

^$ 25

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’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.

Table of Contents

How Much Is Car Insurance in Cape Neddick

The car insurance rate in Cape Neddick is $692 for a six-month policy, which is $27 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $353, making it a popular choice for budget-conscious drivers. Rates in Cape Neddick can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Cape Neddick

$692

Avg. Car Insurance in Maine

$665

National Average

$1278

Cheapest Car Insurance Companies in Cape Neddick

1st place: Concord Group

At $353 for a six month policy, Concord Group offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $445 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Vermont Mutual

Vermont Mutual offers auto insurance rates at $451 for six months, making it the third cheapest auto insurance company in Cape Neddick.

Cape Neddick Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cape Neddick, ME is Concord Group, offering policies at just $353 for a six-month term. This is followed by Travelers, which has an average six-month premium of $445.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1155 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cape Neddick drivers find the best deals.

Cheap Car Insurance Companies in Cape Neddick, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$353	$58
Travelers	$445	$75
Vermont Mutual	$451	$76
USAA	$488	$82
Auto-Owners	$574	$96
Progressive	$692	$116
MMG	$760	$128
Concord	$803	$136
Allstate	$914	$154
State Farm	$977	$164
Farmers	$1155	$192

Key Takeaways

Way's key takeaways about car insurance in Cape Neddick

The auto insurance costs in Cape Neddick fall around $353 for six months.
The cheapest auto insurance company in Cape Neddick is MMG.
Teen drivers pay the highest rate in Cape Neddick at $711 per month.

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Cheapest Minimum Liability Car Insurance in Cape Neddick

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Cape Neddick are given below.

MMG provides the cheapest minimum car insurance coverage in Cape Neddick. Their Average 6 Month Premium is $149. Electric is the most expensive at $229 for the same period.

Cheapest Liability Coverage in Cape Neddick, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
MMG	$149	$25
USAA	$155	$26
Auto-Owners	$160	$27
Vermont Mutual	$160	$27
Concord Group	$179	$30
Frankenmuth	$191	$32
Travelers	$216	$36
Progressive	$259	$44
State Farm	$278	$47
Allstate	$340	$57
Concord	$284	$48
Farmers	$303	$51
Electric	$229	$38

Cheapest Full Coverage Car Insurance in Cape Neddick

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Cape Neddick is Concord Group at $58 per month and $353 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cape Neddick, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$353	$58
Travelers	$445	$75
Vermont Mutual	$451	$76
USAA	$488	$82
Auto-Owners	$574	$96
Progressive	$692	$116
MMG	$760	$128
Concord	$803	$136
Allstate	$914	$154
State Farm	$977	$164
Farmers	$1155	$192

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Average Car Insurance in Cape Neddick by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Cape Neddick, ME increasing?

Despite maintaining a clean driving record, your car insurance rates in Cape Neddick, Maine, may be increasing due to several external factors. Maine has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Cape Neddick's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Cape Neddick

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Cape Neddick,ME

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners provides the cheapest car insurance in the Cape Neddick at $37 per month. At $4269 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$223	$37
Concord Group	$248	$42
Vermont Mutual	$248	$42
Patriot Insurance	$271	$46
Countryway Insurance	$278	$47
Travelers	$778	$131
USAA	$939	$158
Concord	$1588	$264
MMG	$2095	$356
State Farm	$2341	$394
Allstate	$2471	$416
Progressive	$2656	$447
Sentry	$2965	$504
Farmers	$4269	$711

Teen Car Insurance Rates in ME by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Cape Neddick, Concord Group is the cheapest car insurance provider. At $284 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Cape Neddick is State Farm, offering rates of around $4040 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$284	$48
Countryway Insurance	$321	$55
Vermont Mutual	$346	$57
Travelers	$568	$96
USAA	$766	$128
Allstate	$853	$144
MMG	$1038	$173
Progressive	$1192	$203
Concord	$1408	$235
Sentry	$1662	$283
Farmers	$3663	$610
State Farm	$4040	$687

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Car Insurance Rates with An Accident in Cape Neddick

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Cape Neddick, ME, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Cape Neddick

The cheapest car insurance companies after an at-fault accident in Cape Neddick include Vermont Mutual and AutoOwners, offering $160 and $254, respectively. Farmers is an expensive provider with an average six-month premium of $2391.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$160	$27
Auto-Owners	$254	$43
Patriot Insurance	$254	$43
Concord Group	$259	$44
Electric	$334	$55
Travelers	$464	$78
USAA	$469	$79
MMG	$488	$82
State Farm	$834	$140
Progressive	$1229	$207
Concord	$1260	$210
Allstate	$1402	$236
Sentry	$1513	$253
Farmers	$2391	$407

Cape Neddick Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cape Neddick ME. For example, the car insurance in Cape Neddick after a DUI increases to $526 for a six month policy. While the rate increases by $137 for a six-month policy in the case of a speeding ticket.

Cape Neddick auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$636	$106
One Med/PIP claim	$643	$109
Two Med/PIP claims	$673	$112
One comp claim	$679	$115
Not-at-fault accident	$685	$114
Driving without lights	$723	$123
Failure to show documents	$729	$122
Failure to wear a seat belt	$735	$125
Child safety restraint	$742	$124
Two comp claims	$754	$128
Driving with expired registration	$766	$128
Driving too slowly	$773	$131
Speeding 11 - 15 MPH over limit	$773	$129
Speeding 6 - 10 MPH over limit	$773	$131
Speeding in school zone	$773	$129
Following too closely	$778	$132
Illegal turn	$778	$130
In 65 MPH zone	$778	$132
Failure to stop at a red light	$784	$131
Failure to yield	$784	$133
Improper passing	$784	$131
Speeding 16 - 20 MPH over limit	$790	$134
Speeding 21 - 25 MPH over limit	$790	$132
Wrong way/wrong lane	$790	$134
Passing school bus	$822	$137
Cell phone violation	$840	$142
Texting while driving	$859	$144
At-fault accident - less than $1000	$877	$149
Open container	$920	$154
Operating a vehicle without permission	$939	$160
At-fault accident - $1000-$2000	$958	$159
At-fault accident - greater than $2000	$970	$165
Racing	$1075	$179
Driving with a suspended license	$1106	$188
Reckless driving	$1106	$184
DUI	$1162	$198
Refusal to submit to a chemical test	$1162	$193
Leaving scene of an accident/hit and run	$1229	$209

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Cape Neddick after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Cape Neddick.

The cheapest car insurance premiums in Cape Neddick are offered by AutoOwners at $265 for a six-month policy. However, it can be as expensive as $5196 with companies like Sentry.

Cape Neddick car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$265	$45
Countryway Insurance	$271	$46
Concord Group	$290	$49
Travelers	$494	$83
Progressive	$704	$119
MMG	$735	$124
USAA	$748	$126
State Farm	$1118	$188
Allstate	$1217	$205
Concord	$1353	$230
Farmers	$2742	$458
Sentry	$5196	$883

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Cape Neddick are offered by Vermont Mutual at $142. However, it can be as expensive as $1816 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Cape Neddick after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$142	$24
Concord Group	$204	$34
Travelers	$475	$80
USAA	$525	$89
State Farm	$643	$108
MMG	$865	$147
Progressive	$1019	$170
Concord	$1044	$178
Allstate	$1149	$191
Sentry	$1279	$217
Farmers	$1816	$303

Car Insurance Price Trends in Cape Neddick, Maine

Car insurance rates in Cape Neddick have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Cape Neddick rose by $159 in February compared to $135 of January. In other words, there has been an increase by $24 when you compare February and January.

The average cost of liability insurance in the Cape Neddick dipped to $35 in February, compared to $38 in January. This represents an decrease of $3 when comparing February and January.

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Frequently Asked Questions

How much is car insurance in Cape Neddick?

The car insurance in Cape Neddick is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Cape Neddick?

The cheapest car insurance in Cape Neddick is $58 per month for full coverage.

How much is car insurance in Cape Neddick for teenagers?

Car insurance for teenagers costs $223 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Cape Neddick?

The average cost of car insurance is $665 for a six-month policy. It will cost around $115 per month to insure your car in Cape Neddick.

Is car insurance expensive in Cape Neddick?

Car insurance can be expensive in Cape Neddick if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Cape Neddick can be affordable.

What is the best car insurance in Cape Neddick, ME?

The best car insurance company in Cape Neddick ME is Concord Group, offering $353 for a six-month policy.