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Finding the cheapest car insurance quotes in Harmony 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 Harmony
The car insurance rate in Harmony is $732 for a six-month policy, which is $67 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $373, making it a popular choice for budget-conscious drivers. Rates in Harmony 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 $373 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 $471 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 $477
for six months, making it
the third cheapest auto insurance company in Harmony.
Harmony Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Harmony, ME is Concord Group, offering policies at just $373 for a six-month term. This is followed by Travelers, which has an average six-month premium of $471.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1222 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Harmony drivers find the best deals.
Way's key takeaways about car insurance in Harmony
The auto insurance costs in Harmony fall around $373 for six
months.
The cheapest auto insurance company in Harmony is MMG.
Teen drivers pay the highest rate in Harmony at $752 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 Harmony
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 Harmony are given below.
MMG provides
the cheapest minimum car insurance
coverage in Harmony. Their Average 6 Month Premium is $157.
Electric is the most
expensive at $242 for the same
period.
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 Harmony is Concord Group
at $62 per month and $373
for six months.
Cheapest Full Coverage Car Insurance Quotes in Harmony,
ME
Get Your Car Insurance Quote in Harmony
Instantly!
Average Car Insurance in Harmony 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 Harmony, ME increasing?
Despite maintaining a clean driving record, your car insurance rates
in Harmony, 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, Harmony's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Harmony
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
Harmony,ME
If you are planning to get a car insurance policy for your teenage
dependent, AutoOwners provides the cheapest car
insurance in the Harmony at $40
per
month. At $4516 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 Harmony.
As young drivers face the highest rates in Harmony, 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 Harmony,
Concord Group is
the cheapest car insurance provider. At $300 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
Harmony is State Farm, offering
rates of around $4274 for six
months.
Save up to $971/yr on car insurance rates in Harmony.
Car Insurance Rates with An Accident in Harmony
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 Harmony, ME,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Harmony
The cheapest car insurance companies after an at-fault accident in
Harmony include Vermont Mutual
and AutoOwners, offering $169
and $268,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2529.
Here is a list of driving violations that can increase your car
insurance rates in Harmony ME. For example, the car
insurance in Harmony
after a DUI increases to $556 for a six
month policy. While the rate increases by $144 for a six-month policy in the case of
a speeding ticket.
Harmony auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$673
$112
One Med/PIP claim
$680
$116
Two Med/PIP claims
$712
$119
One comp claim
$718
$122
Not-at-fault accident
$725
$121
Driving without lights
$765
$130
Failure to show documents
$771
$129
Failure to wear a seat belt
$778
$132
Child safety restraint
$784
$131
Two comp claims
$798
$135
Driving with expired registration
$811
$135
Driving too slowly
$817
$139
Speeding 11 - 15 MPH over limit
$817
$136
Speeding 6 - 10 MPH over limit
$817
$139
Speeding in school zone
$817
$136
Following too closely
$823
$140
Illegal turn
$823
$138
In 65 MPH zone
$823
$140
Failure to stop at a red light
$829
$139
Failure to yield
$829
$141
Improper passing
$829
$139
Speeding 16 - 20 MPH over limit
$836
$142
Speeding 21 - 25 MPH over limit
$836
$140
Wrong way/wrong lane
$836
$142
Passing school bus
$869
$145
Cell phone violation
$889
$151
Texting while driving
$909
$152
At-fault accident - less than $1000
$927
$157
Open container
$974
$163
Operating a vehicle without permission
$993
$169
At-fault accident - $1000-$2000
$1013
$168
At-fault accident - greater than $2000
$1026
$175
Racing
$1137
$189
Driving with a suspended license
$1169
$199
Reckless driving
$1169
$195
DUI
$1229
$209
Refusal to submit to a chemical test
$1229
$205
Leaving scene of an accident/hit and run
$1300
$221
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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 Harmony 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 Harmony.
The cheapest car insurance premiums in
Harmony are
offered by AutoOwners at $281 for a six-month policy.
However, it can be as
expensive as $5496 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 Harmony are offered by Vermont Mutual
at $151. However,
it can be as expensive as $1921
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Harmony after Speeding ticket
Car insurance rates in Harmony have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Harmony rose by
$168 in February
compared to $143 of January. In other words, there has been an increase by $25 when you
compare February and January.
The average cost of liability insurance in the Harmony dipped to $37 in February,
compared to $41 in January.
This represents an decrease of $4
when comparing February and January.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Harmony. At $1463 for a
six-month policy, insuring
your car at 4942 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 Harmony?
The car insurance in Harmony is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Harmony?
The cheapest car insurance in Harmony
is $62 per month
for full coverage.
How much is car insurance in Harmony for teenagers?
Car insurance for teenagers costs $235 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
Harmony?
The average cost of car insurance is $665 for a six-month
policy. It will cost around $122 per month to insure your
car in Harmony.
Is car insurance expensive in Harmony?
Car insurance can be expensive in Harmony if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Harmony can be
affordable.
What is the best car insurance in Harmony,
ME?
The best car insurance company in Harmony
ME is
Concord Group, offering $373 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Harmony, ME
Car Insurance Rates by State in the USA (2025 Update)
Harmony Car Insurance
