Cheapest Car Insurance Quotes in Cousins Island

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Cousins Island Car Insurance

^$ 23

/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 Cousins Island

The car insurance rate in Cousins Island is $565 for a six-month policy, which is $43 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $315, making it a popular choice for budget-conscious drivers. Rates in Cousins 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.

Avg. Car Insurance in Cousins Island

$565

Avg. Car Insurance in Maine

$608

National Average

$1140

Cheapest Car Insurance Companies in Cousins Island

1st place: Concord Group

At $315 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 $387 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 $404 for six months, making it the third cheapest auto insurance company in Cousins Island.

Cousins Island Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cousins Island, ME is Concord Group, offering policies at just $315 for a six-month term. This is followed by Travelers, which has an average six-month premium of $387.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $851 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cousins Island drivers find the best deals.

Cheap Car Insurance Companies in Cousins Island, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$315	$54
Travelers	$387	$65
Vermont Mutual	$404	$68
USAA	$419	$71
Concord	$508	$86
Auto-Owners	$513	$86
Progressive	$602	$101
MMG	$635	$107
State Farm	$768	$129
Allstate	$823	$139
Farmers	$851	$145

Key Takeaways

Way's key takeaways about car insurance in Cousins Island

The auto insurance costs in Cousins Island fall around $315 for six months.
The cheapest auto insurance company in Cousins Island is USAA.
Teen drivers pay the highest rate in Cousins Island at $527 per month.

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Cheapest Minimum Liability Car Insurance in Cousins 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 Cousins Island are given below.

USAA provides the cheapest minimum car insurance coverage in Cousins Island. Their Average 6 Month Premium is $139. Electric is the most expensive at $205 for the same period.

Cheapest Liability Coverage in Cousins Island, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$139	$23
Auto-Owners	$143	$24
Vermont Mutual	$143	$24
Concord Group	$160	$27
MMG	$160	$27
Frankenmuth	$171	$29
Travelers	$199	$33
State Farm	$243	$41
Concord	$254	$43
Farmers	$271	$46
Progressive	$293	$49
Allstate	$326	$55
Electric	$205	$34

Cheapest Full Coverage Car Insurance in Cousins 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 Cousins Island is Concord Group at $54 per month and $315 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cousins Island, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$315	$54
Travelers	$387	$65
Vermont Mutual	$404	$68
USAA	$419	$71
Concord	$508	$86
Auto-Owners	$513	$86
Progressive	$602	$101
MMG	$635	$107
State Farm	$768	$129
Allstate	$823	$139
Farmers	$851	$145

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Average Car Insurance in Cousins 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 Cousins Island, ME increasing?

Despite maintaining a clean driving record, your car insurance rates in Cousins 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, Cousins 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 Cousins 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

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Cheapest Car Insurance Rates for Teen Drivers in Cousins Island,ME

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners provides the cheapest car insurance in the Cousins Island at $33 per month. At $3099 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$199	$33
Concord Group	$221	$37
Vermont Mutual	$221	$37
Patriot Insurance	$243	$41
Countryway Insurance	$248	$42
Travelers	$641	$108
USAA	$784	$132
Concord	$1050	$175
MMG	$1629	$277
State Farm	$1762	$297
Allstate	$2221	$374
Progressive	$2326	$392
Farmers	$3099	$527

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 Cousins Island, Concord Group is the cheapest car insurance provider. At $254 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 Cousins Island is Farmers, offering rates of around $2629 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$254	$43
Countryway Insurance	$287	$49
Vermont Mutual	$310	$51
Travelers	$470	$79
USAA	$575	$96
Allstate	$768	$129
MMG	$806	$135
Concord	$889	$152
Progressive	$1044	$174
State Farm	$2254	$383
Farmers	$2629	$438

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Car Insurance Rates with An Accident in Cousins 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 Cousins Island, ME, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Cousins Island

The cheapest car insurance companies after an at-fault accident in Cousins Island include Vermont Mutual and AutoOwners, offering $143 and $227, respectively. Farmers is an expensive provider with an average six-month premium of $1729.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$143	$24
Auto-Owners	$227	$38
Patriot Insurance	$227	$38
Concord Group	$232	$39
Electric	$299	$49
MMG	$387	$65
Travelers	$398	$67
USAA	$398	$67
State Farm	$641	$108
Concord	$801	$136
Progressive	$1060	$179
Allstate	$1110	$187
Farmers	$1729	$288

Cousins Island Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cousins Island ME. For example, the car insurance in Cousins Island after a DUI increases to $470 for a six month policy. While the rate increases by $122 for a six-month policy in the case of a speeding ticket.

Cousins Island auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$569	$95
One Med/PIP claim	$575	$98
Two Med/PIP claims	$602	$100
One comp claim	$607	$103
Not-at-fault accident	$613	$102
Driving without lights	$646	$110
Failure to show documents	$652	$109
Failure to wear a seat belt	$658	$112
Child safety restraint	$663	$111
Two comp claims	$674	$114
Driving with expired registration	$685	$114
Driving too slowly	$691	$117
Speeding 11 - 15 MPH over limit	$691	$115
Speeding 6 - 10 MPH over limit	$691	$117
Speeding in school zone	$691	$115
Following too closely	$696	$118
Illegal turn	$696	$116
In 65 MPH zone	$696	$118
Failure to stop at a red light	$701	$117
Failure to yield	$701	$119
Improper passing	$701	$117
Speeding 16 - 20 MPH over limit	$707	$120
Speeding 21 - 25 MPH over limit	$707	$118
Wrong way/wrong lane	$707	$120
Passing school bus	$735	$123
Cell phone violation	$751	$127
Texting while driving	$768	$128
At-fault accident - less than $1000	$784	$133
Open container	$823	$138
Operating a vehicle without permission	$840	$143
At-fault accident - $1000-$2000	$857	$142
At-fault accident - greater than $2000	$868	$148
Racing	$962	$160
Driving with a suspended license	$989	$168
Reckless driving	$989	$165
DUI	$1039	$177
Refusal to submit to a chemical test	$1039	$173
Leaving scene of an accident/hit and run	$1099	$187

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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 Cousins 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 Cousins Island.

The cheapest car insurance premiums in Cousins Island are offered by AutoOwners at $237 for a six-month policy. However, it can be as expensive as $1889 with companies like Farmers.

Cousins Island car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$237	$40
Countryway Insurance	$243	$41
Concord Group	$259	$44
Travelers	$419	$71
MMG	$586	$99
Progressive	$586	$99
USAA	$624	$105
State Farm	$790	$133
Concord	$857	$146
Allstate	$1094	$184
Farmers	$1889	$321

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 Cousins Island are offered by Vermont Mutual at $127. However, it can be as expensive as $1486 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Cousins Island after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$127	$21
Concord Group	$182	$31
Travelers	$387	$65
State Farm	$398	$67
USAA	$398	$68
Concord	$586	$98
MMG	$663	$113
Progressive	$801	$134
Allstate	$878	$150
Farmers	$1486	$247

Car Insurance Price Trends in Cousins Island, Maine

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

The average cost of full coverage in the Cousins Island remained steady at $121 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Cousins Island remained steady at $34 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Cousins Island?

The car insurance in Cousins Island is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Cousins Island?

The cheapest car insurance in Cousins Island is $54 per month for full coverage.

How much is car insurance in Cousins Island for teenagers?

Car insurance for teenagers costs $199 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 Cousins Island?

The average cost of car insurance is $608 for a six-month policy. It will cost around $95 per month to insure your car in Cousins Island.

Is car insurance expensive in Cousins Island?

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

What is the best car insurance in Cousins Island, ME?

The best car insurance company in Cousins Island ME is Concord Group, offering $315 for a six-month policy.