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Finding the cheapest car insurance quotes in Cliff Island shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Cliff Island
The car insurance rate in Cliff Island is $665 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $339, making it a popular choice for budget-conscious drivers. Rates in Cliff Island 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.
At $339 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 $428 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 $434
for six months, making it
the third cheapest auto insurance company in Cliff Island.
Cliff Island Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Cliff Island, ME is Concord Group, offering policies at just $339 for a six-month term. This is followed by Travelers, which has an average six-month premium of $428.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1111 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cliff Island drivers find the best deals.
Way's key takeaways about car insurance in Cliff Island
The auto insurance costs in Cliff Island fall around $339 for six
months.
The cheapest auto insurance company in Cliff Island is MMG.
Teen drivers pay the highest rate in Cliff Island at $684 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Cliff Island
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 Cliff Island are given below.
MMG provides
the cheapest minimum car insurance
coverage in Cliff Island. Their Average 6 Month Premium is $143.
Electric is the most
expensive at $220 for the same
period.
Cheapest Full Coverage Car Insurance in Cliff Island
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 Cliff Island is Concord Group
at $56 per month and $339
for six months.
Cheapest Full Coverage Car Insurance Quotes in Cliff Island,
ME
Get Your Car Insurance Quote in Cliff Island
Instantly!
Average Car Insurance in Cliff Island 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 Cliff Island, ME increasing?
Despite maintaining a clean driving record, your car insurance rates
in Cliff Island, 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, Cliff Island's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Cliff Island
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Cliff Island,ME
If you are planning to get a car insurance policy for your teenage
dependent, AutoOwners provides the cheapest car
insurance in the Cliff Island at $36
per
month. At $4105 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Cliff Island.
As young drivers face the highest rates in Cliff Island, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Cliff Island,
Concord Group is
the cheapest car insurance provider. At $273 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
Cliff Island is State Farm, offering
rates of around $3885 for six
months.
Save up to $971/yr on car insurance rates in Cliff Island.
Car Insurance Rates with An Accident in Cliff Island
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 Cliff Island, ME,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Cliff Island
The cheapest car insurance companies after an at-fault accident in
Cliff Island include Vermont Mutual
and AutoOwners, offering $154
and $244,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2299.
Here is a list of driving violations that can increase your car
insurance rates in Cliff Island ME. For example, the car
insurance in Cliff Island
after a DUI increases to $505 for a six
month policy. While the rate increases by $131 for a six-month policy in the case of
a speeding ticket.
Cliff Island auto insurance quotes by 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
Failure to wear a seat belt
$707
$120
Child safety restraint
$713
$119
Two comp claims
$725
$123
Driving with expired registration
$737
$123
Driving too slowly
$743
$126
Speeding 11 - 15 MPH over limit
$743
$124
Speeding 6 - 10 MPH over limit
$743
$126
Speeding in school zone
$743
$124
Following too closely
$748
$127
Illegal turn
$748
$125
In 65 MPH zone
$748
$127
Failure to stop at a red light
$754
$126
Failure to yield
$754
$128
Improper passing
$754
$126
Speeding 16 - 20 MPH over limit
$760
$129
Speeding 21 - 25 MPH over limit
$760
$127
Wrong way/wrong lane
$760
$129
Passing school bus
$790
$132
Cell phone violation
$808
$137
Texting while driving
$826
$138
At-fault accident - less than $1000
$843
$143
Open container
$885
$148
Operating a vehicle without permission
$903
$154
At-fault accident - $1000-$2000
$921
$153
At-fault accident - greater than $2000
$933
$159
Racing
$1034
$172
Driving with a suspended license
$1063
$181
Reckless driving
$1063
$177
DUI
$1117
$190
Refusal to submit to a chemical test
$1117
$186
Leaving scene of an accident/hit and run
$1182
$201
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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 Cliff Island 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 Cliff Island.
The cheapest car insurance premiums in
Cliff Island are
offered by AutoOwners at $255 for a six-month policy.
However, it can be as
expensive as $4996 with companies
like Sentry.
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 Cliff Island are offered by Vermont Mutual
at $137. However,
it can be as expensive as $1746
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Cliff Island after Speeding ticket
Car insurance rates in Cliff Island have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Cliff Island rose by
$153 in February
compared to $130 of January. In other words, there has been an increase by $23 when you
compare February and January.
The average cost of liability insurance in the Cliff Island dipped to $34 in February,
compared to $37 in January.
This represents an decrease of $3
when comparing February and January.
Average Car Insurance Cost in Cliff Island by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Cliff Island. At $1330 for a
six-month policy, insuring
your car at 4019 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Cliff Island?
The car insurance in Cliff Island is $24 per month, which is lower than the national average.
What is the cheapest car insurance in Cliff Island?
The cheapest car insurance in Cliff Island
is $56 per month
for full coverage.
How much is car insurance in Cliff Island for teenagers?
Car insurance for teenagers costs $214 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
Cliff Island?
The average cost of car insurance is $665 for a six-month
policy. It will cost around $111 per month to insure your
car in Cliff Island.
Is car insurance expensive in Cliff Island?
Car insurance can be expensive in Cliff Island if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Cliff Island can be
affordable.
What is the best car insurance in Cliff Island,
ME?
The best car insurance company in Cliff Island
ME is
Concord Group, offering $339 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Cliff Island, ME
Car Insurance Rates by State in the USA (2025 Update)
Cliff Island Car Insurance
