Cheapest Car Insurance Quotes in Grand Isle

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401,895 Policies Sold

Grand Isle 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 Grand Isle

The car insurance rate in Grand Isle is $578 for a six-month policy, which is $30 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $322, making it a popular choice for budget-conscious drivers. Rates in Grand Isle 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 Grand Isle

$578

Avg. Car Insurance in Maine

$608

National Average

$1140

Cheapest Car Insurance Companies in Grand Isle

1st place: Concord Group

At $322 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 $395 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 $412 for six months, making it the third cheapest auto insurance company in Grand Isle.

Grand Isle Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Grand Isle, ME is Concord Group, offering policies at just $322 for a six-month term. This is followed by Travelers, which has an average six-month premium of $395.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $869 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Grand Isle drivers find the best deals.

Cheap Car Insurance Companies in Grand Isle, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$322	$55
Travelers	$395	$67
Vermont Mutual	$412	$69
USAA	$428	$72
Concord	$519	$88
Auto-Owners	$524	$87
Progressive	$615	$104
MMG	$649	$109
State Farm	$785	$132
Allstate	$841	$142
Farmers	$869	$148

Key Takeaways

Way's key takeaways about car insurance in Grand Isle

The auto insurance costs in Grand Isle fall around $322 for six months.
The cheapest auto insurance company in Grand Isle is USAA.
Teen drivers pay the highest rate in Grand Isle at $539 per month.

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Cheapest Minimum Liability Car Insurance in Grand Isle

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 Grand Isle are given below.

USAA provides the cheapest minimum car insurance coverage in Grand Isle. Their Average 6 Month Premium is $142. Electric is the most expensive at $209 for the same period.

Cheapest Liability Coverage in Grand Isle, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$142	$24
Auto-Owners	$146	$25
Vermont Mutual	$146	$25
Concord Group	$163	$28
MMG	$163	$28
Frankenmuth	$175	$29
Travelers	$203	$34
State Farm	$248	$42
Concord	$259	$44
Farmers	$276	$47
Progressive	$299	$50
Allstate	$333	$56
Electric	$209	$35

Cheapest Full Coverage Car Insurance in Grand Isle

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 Grand Isle is Concord Group at $55 per month and $322 for six months.

Cheapest Full Coverage Car Insurance Quotes in Grand Isle, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$322	$55
Travelers	$395	$67
Vermont Mutual	$412	$69
USAA	$428	$72
Concord	$519	$88
Auto-Owners	$524	$87
Progressive	$615	$104
MMG	$649	$109
State Farm	$785	$132
Allstate	$841	$142
Farmers	$869	$148

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Average Car Insurance in Grand Isle 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 Grand Isle, ME increasing?

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

Car Insurance Premiums by Age in Grand Isle

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 Grand Isle,ME

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners provides the cheapest car insurance in the Grand Isle at $34 per month. At $3165 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$203	$34
Concord Group	$226	$38
Vermont Mutual	$226	$38
Patriot Insurance	$248	$42
Countryway Insurance	$254	$43
Travelers	$655	$110
USAA	$801	$135
Concord	$1073	$179
MMG	$1664	$283
State Farm	$1800	$303
Allstate	$2269	$382
Progressive	$2376	$400
Farmers	$3165	$539

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 Grand Isle, Concord Group is the cheapest car insurance provider. At $259 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 Grand Isle is Farmers, offering rates of around $2686 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$259	$44
Countryway Insurance	$294	$50
Vermont Mutual	$316	$52
Travelers	$480	$81
USAA	$587	$98
Allstate	$785	$132
MMG	$824	$138
Concord	$908	$155
Progressive	$1067	$178
State Farm	$2303	$391
Farmers	$2686	$447

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Car Insurance Rates with An Accident in Grand Isle

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 Grand Isle, ME, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Grand Isle

The cheapest car insurance companies after an at-fault accident in Grand Isle include Vermont Mutual and AutoOwners, offering $146 and $232, respectively. Farmers is an expensive provider with an average six-month premium of $1766.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$146	$25
Auto-Owners	$232	$39
Patriot Insurance	$232	$39
Concord Group	$237	$40
Electric	$305	$50
MMG	$395	$67
Travelers	$407	$68
USAA	$407	$68
State Farm	$655	$110
Concord	$818	$139
Progressive	$1083	$182
Allstate	$1134	$191
Farmers	$1766	$295

Grand Isle Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Grand Isle ME. For example, the car insurance in Grand Isle after a DUI increases to $480 for a six month policy. While the rate increases by $125 for a six-month policy in the case of a speeding ticket.

Grand Isle auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$581	$97
One Med/PIP claim	$587	$100
Two Med/PIP claims	$615	$103
One comp claim	$620	$105
Not-at-fault accident	$626	$105
Driving without lights	$660	$112
Failure to show documents	$666	$111
Failure to wear a seat belt	$672	$114
Child safety restraint	$677	$113
Two comp claims	$689	$117
Driving with expired registration	$700	$117
Driving too slowly	$706	$120
Speeding 11 - 15 MPH over limit	$706	$118
Speeding 6 - 10 MPH over limit	$706	$120
Speeding in school zone	$706	$118
Following too closely	$711	$121
Illegal turn	$711	$119
In 65 MPH zone	$711	$121
Failure to stop at a red light	$716	$120
Failure to yield	$716	$122
Improper passing	$716	$120
Speeding 16 - 20 MPH over limit	$722	$123
Speeding 21 - 25 MPH over limit	$722	$121
Wrong way/wrong lane	$722	$123
Passing school bus	$751	$125
Cell phone violation	$768	$130
Texting while driving	$785	$131
At-fault accident - less than $1000	$801	$136
Open container	$841	$141
Operating a vehicle without permission	$858	$146
At-fault accident - $1000-$2000	$875	$145
At-fault accident - greater than $2000	$886	$151
Racing	$982	$163
Driving with a suspended license	$1010	$172
Reckless driving	$1010	$168
DUI	$1061	$181
Refusal to submit to a chemical test	$1061	$177
Leaving scene of an accident/hit and run	$1123	$191

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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 Grand Isle 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 Grand Isle.

The cheapest car insurance premiums in Grand Isle are offered by AutoOwners at $242 for a six-month policy. However, it can be as expensive as $1929 with companies like Farmers.

Grand Isle car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$242	$41
Countryway Insurance	$248	$42
Concord Group	$265	$45
Travelers	$428	$72
MMG	$599	$101
Progressive	$599	$101
USAA	$637	$107
State Farm	$807	$136
Concord	$875	$149
Allstate	$1117	$188
Farmers	$1929	$328

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 Grand Isle are offered by Vermont Mutual at $130. However, it can be as expensive as $1518 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Grand Isle after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$130	$22
Concord Group	$186	$31
Travelers	$395	$67
State Farm	$407	$68
USAA	$407	$69
Concord	$599	$100
MMG	$677	$115
Progressive	$818	$137
Allstate	$897	$153
Farmers	$1518	$253

Car Insurance Price Trends in Grand Isle, Maine

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

The average cost of full coverage in the Grand Isle remained steady at $124 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Grand Isle 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 Grand Isle?

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

What is the cheapest car insurance in Grand Isle?

The cheapest car insurance in Grand Isle is $55 per month for full coverage.

How much is car insurance in Grand Isle for teenagers?

Car insurance for teenagers costs $203 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 Grand Isle?

The average cost of car insurance is $608 for a six-month policy. It will cost around $97 per month to insure your car in Grand Isle.

Is car insurance expensive in Grand Isle?

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

What is the best car insurance in Grand Isle, ME?

The best car insurance company in Grand Isle ME is Concord Group, offering $322 for a six-month policy.