Cheapest Car Insurance Quotes in Cumberland Center

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Cumberland Center Car Insurance

^$ 24

/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 Cumberland Center

The car insurance rate in Cumberland Center is $572 for a six-month policy, which is $36 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $319, making it a popular choice for budget-conscious drivers. Rates in Cumberland Center 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 Cumberland Center

$572

Avg. Car Insurance in Maine

$608

National Average

$1140

Cheapest Car Insurance Companies in Cumberland Center

1st place: Concord Group

At $319 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 $391 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 $408 for six months, making it the third cheapest auto insurance company in Cumberland Center.

Cumberland Center Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cumberland Center, ME is Concord Group, offering policies at just $319 for a six-month term. This is followed by Travelers, which has an average six-month premium of $391.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $860 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cumberland Center drivers find the best deals.

Cheap Car Insurance Companies in Cumberland Center, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$319	$55
Travelers	$391	$66
Vermont Mutual	$408	$69
USAA	$424	$71
Concord	$513	$87
Auto-Owners	$519	$86
Progressive	$608	$102
MMG	$642	$108
State Farm	$776	$131
Allstate	$832	$140
Farmers	$860	$147

Key Takeaways

Way's key takeaways about car insurance in Cumberland Center

The auto insurance costs in Cumberland Center fall around $319 for six months.
The cheapest auto insurance company in Cumberland Center is USAA.
Teen drivers pay the highest rate in Cumberland Center at $533 per month.

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Cheapest Minimum Liability Car Insurance in Cumberland Center

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 Cumberland Center are given below.

USAA provides the cheapest minimum car insurance coverage in Cumberland Center. Their Average 6 Month Premium is $140. Electric is the most expensive at $207 for the same period.

Cheapest Liability Coverage in Cumberland Center, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$140	$24
Auto-Owners	$145	$24
Vermont Mutual	$145	$24
Concord Group	$162	$27
MMG	$162	$27
Frankenmuth	$173	$29
Travelers	$201	$34
State Farm	$245	$41
Concord	$257	$43
Farmers	$274	$46
Progressive	$296	$50
Allstate	$329	$55
Electric	$207	$35

Cheapest Full Coverage Car Insurance in Cumberland Center

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 Cumberland Center is Concord Group at $55 per month and $319 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cumberland Center, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$319	$55
Travelers	$391	$66
Vermont Mutual	$408	$69
USAA	$424	$71
Concord	$513	$87
Auto-Owners	$519	$86
Progressive	$608	$102
MMG	$642	$108
State Farm	$776	$131
Allstate	$832	$140
Farmers	$860	$147

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Average Car Insurance in Cumberland Center 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 Cumberland Center, ME increasing?

Despite maintaining a clean driving record, your car insurance rates in Cumberland Center, 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, Cumberland Center's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Cumberland Center

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 Cumberland Center,ME

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners provides the cheapest car insurance in the Cumberland Center at $34 per month. At $3132 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$201	$34
Concord Group	$224	$38
Vermont Mutual	$224	$38
Patriot Insurance	$245	$41
Countryway Insurance	$251	$42
Travelers	$648	$109
USAA	$792	$133
Concord	$1061	$177
MMG	$1647	$280
State Farm	$1781	$300
Allstate	$2245	$378
Progressive	$2351	$396
Farmers	$3132	$533

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 Cumberland Center, Concord Group is the cheapest car insurance provider. At $257 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 Cumberland Center is Farmers, offering rates of around $2657 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$257	$43
Countryway Insurance	$290	$50
Vermont Mutual	$313	$52
Travelers	$475	$80
USAA	$581	$97
Allstate	$776	$131
MMG	$815	$136
Concord	$899	$153
Progressive	$1056	$176
State Farm	$2279	$387
Farmers	$2657	$443

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Car Insurance Rates with An Accident in Cumberland Center

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 Cumberland Center, ME, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Cumberland Center

The cheapest car insurance companies after an at-fault accident in Cumberland Center include Vermont Mutual and AutoOwners, offering $145 and $229, respectively. Farmers is an expensive provider with an average six-month premium of $1747.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$145	$24
Auto-Owners	$229	$39
Patriot Insurance	$229	$39
Concord Group	$234	$39
Electric	$302	$50
MMG	$391	$66
Travelers	$402	$68
USAA	$402	$68
State Farm	$648	$109
Concord	$809	$137
Progressive	$1072	$180
Allstate	$1122	$189
Farmers	$1747	$291

Cumberland Center Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cumberland Center ME. For example, the car insurance in Cumberland Center after a DUI increases to $475 for a six month policy. While the rate increases by $123 for a six-month policy in the case of a speeding ticket.

Cumberland Center auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$575	$96
One Med/PIP claim	$581	$99
Two Med/PIP claims	$608	$102
One comp claim	$614	$104
Not-at-fault accident	$619	$103
Driving without lights	$653	$111
Failure to show documents	$659	$110
Failure to wear a seat belt	$665	$113
Child safety restraint	$670	$112
Two comp claims	$682	$116
Driving with expired registration	$693	$116
Driving too slowly	$698	$118
Speeding 11 - 15 MPH over limit	$698	$117
Speeding 6 - 10 MPH over limit	$698	$118
Speeding in school zone	$698	$117
Following too closely	$703	$119
Illegal turn	$703	$118
In 65 MPH zone	$703	$119
Failure to stop at a red light	$709	$118
Failure to yield	$709	$120
Improper passing	$709	$118
Speeding 16 - 20 MPH over limit	$714	$121
Speeding 21 - 25 MPH over limit	$714	$119
Wrong way/wrong lane	$714	$121
Passing school bus	$743	$124
Cell phone violation	$760	$129
Texting while driving	$776	$130
At-fault accident - less than $1000	$792	$134
Open container	$832	$139
Operating a vehicle without permission	$849	$145
At-fault accident - $1000-$2000	$866	$144
At-fault accident - greater than $2000	$877	$149
Racing	$972	$162
Driving with a suspended license	$999	$170
Reckless driving	$999	$166
DUI	$1050	$179
Refusal to submit to a chemical test	$1050	$175
Leaving scene of an accident/hit and run	$1111	$189

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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 Cumberland Center 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 Cumberland Center.

The cheapest car insurance premiums in Cumberland Center are offered by AutoOwners at $240 for a six-month policy. However, it can be as expensive as $1909 with companies like Farmers.

Cumberland Center car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$240	$40
Countryway Insurance	$245	$41
Concord Group	$262	$44
Travelers	$424	$71
MMG	$592	$100
Progressive	$592	$100
USAA	$631	$106
State Farm	$798	$134
Concord	$866	$148
Allstate	$1105	$186
Farmers	$1909	$324

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 Cumberland Center are offered by Vermont Mutual at $129. However, it can be as expensive as $1502 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Cumberland Center after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$129	$22
Concord Group	$184	$31
Travelers	$391	$66
State Farm	$402	$68
USAA	$402	$69
Concord	$592	$99
MMG	$670	$114
Progressive	$809	$135
Allstate	$887	$151
Farmers	$1502	$250

Car Insurance Price Trends in Cumberland Center, Maine

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

The average cost of full coverage in the Cumberland Center remained steady at $122 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Cumberland Center remained steady at $35 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 Cumberland Center?

The car insurance in Cumberland Center is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Cumberland Center?

The cheapest car insurance in Cumberland Center is $55 per month for full coverage.

How much is car insurance in Cumberland Center for teenagers?

Car insurance for teenagers costs $201 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 Cumberland Center?

The average cost of car insurance is $608 for a six-month policy. It will cost around $96 per month to insure your car in Cumberland Center.

Is car insurance expensive in Cumberland Center?

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

What is the best car insurance in Cumberland Center, ME?

The best car insurance company in Cumberland Center ME is Concord Group, offering $319 for a six-month policy.