Cheapest Car Insurance Quotes in Island Falls

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Island Falls 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 Island Falls

The car insurance rate in Island Falls is $678 for a six-month policy, which is $13 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $346, making it a popular choice for budget-conscious drivers. Rates in Island Falls 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 Island Falls

$678

Avg. Car Insurance in Maine

$665

National Average

$1278

Cheapest Car Insurance Companies in Island Falls

1st place: Concord Group

At $346 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 $437 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 $443 for six months, making it the third cheapest auto insurance company in Island Falls.

Island Falls Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Island Falls, ME is Concord Group, offering policies at just $346 for a six-month term. This is followed by Travelers, which has an average six-month premium of $437.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1133 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Island Falls drivers find the best deals.

Cheap Car Insurance Companies in Island Falls, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$346	$57
Travelers	$437	$73
Vermont Mutual	$443	$74
USAA	$478	$81
Auto-Owners	$563	$94
Progressive	$678	$114
MMG	$746	$125
Concord	$787	$134
Allstate	$897	$151
State Farm	$958	$161
Farmers	$1133	$189

Key Takeaways

Way's key takeaways about car insurance in Island Falls

The auto insurance costs in Island Falls fall around $346 for six months.
The cheapest auto insurance company in Island Falls is MMG.
Teen drivers pay the highest rate in Island Falls at $698 per month.

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Cheapest Minimum Liability Car Insurance in Island Falls

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 Island Falls are given below.

MMG provides the cheapest minimum car insurance coverage in Island Falls. Their Average 6 Month Premium is $146. Electric is the most expensive at $224 for the same period.

Cheapest Liability Coverage in Island Falls, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
MMG	$146	$24
USAA	$152	$26
Auto-Owners	$157	$27
Vermont Mutual	$157	$27
Concord Group	$175	$30
Frankenmuth	$188	$32
Travelers	$212	$36
Progressive	$254	$43
State Farm	$272	$46
Allstate	$334	$56
Concord	$278	$47
Farmers	$297	$50
Electric	$224	$38

Cheapest Full Coverage Car Insurance in Island Falls

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 Island Falls is Concord Group at $57 per month and $346 for six months.

Cheapest Full Coverage Car Insurance Quotes in Island Falls, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$346	$57
Travelers	$437	$73
Vermont Mutual	$443	$74
USAA	$478	$81
Auto-Owners	$563	$94
Progressive	$678	$114
MMG	$746	$125
Concord	$787	$134
Allstate	$897	$151
State Farm	$958	$161
Farmers	$1133	$189

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Average Car Insurance in Island Falls 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 Island Falls, ME increasing?

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

Car Insurance Premiums by Age in Island Falls

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 Island Falls,ME

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners provides the cheapest car insurance in the Island Falls at $37 per month. At $4187 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$218	$37
Concord Group	$243	$41
Vermont Mutual	$243	$41
Patriot Insurance	$266	$45
Countryway Insurance	$272	$46
Travelers	$763	$129
USAA	$921	$155
Concord	$1558	$259
MMG	$2054	$349
State Farm	$2296	$387
Allstate	$2424	$408
Progressive	$2605	$439
Sentry	$2908	$495
Farmers	$4187	$698

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 Island Falls, Concord Group is the cheapest car insurance provider. At $278 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 Island Falls is State Farm, offering rates of around $3963 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$278	$47
Countryway Insurance	$315	$54
Vermont Mutual	$340	$56
Travelers	$557	$94
USAA	$752	$125
Allstate	$836	$141
MMG	$1018	$169
Progressive	$1169	$199
Concord	$1381	$231
Sentry	$1630	$277
Farmers	$3592	$599
State Farm	$3963	$674

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Car Insurance Rates with An Accident in Island Falls

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 Island Falls, ME, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Island Falls include Vermont Mutual and AutoOwners, offering $157 and $249, respectively. Farmers is an expensive provider with an average six-month premium of $2345.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$157	$27
Auto-Owners	$249	$42
Patriot Insurance	$249	$42
Concord Group	$254	$43
Electric	$327	$54
Travelers	$455	$77
USAA	$460	$78
MMG	$478	$81
State Farm	$818	$138
Progressive	$1206	$203
Concord	$1236	$206
Allstate	$1375	$232
Sentry	$1484	$248
Farmers	$2345	$399

Island Falls Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Island Falls ME. For example, the car insurance in Island Falls after a DUI increases to $515 for a six month policy. While the rate increases by $134 for a six-month policy in the case of a speeding ticket.

Island Falls auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$624	$104
One Med/PIP claim	$630	$107
Two Med/PIP claims	$660	$110
One comp claim	$666	$113
Not-at-fault accident	$672	$112
Driving without lights	$709	$120
Failure to show documents	$715	$119
Failure to wear a seat belt	$721	$122
Child safety restraint	$727	$121
Two comp claims	$740	$125
Driving with expired registration	$752	$125
Driving too slowly	$758	$129
Speeding 11 - 15 MPH over limit	$758	$126
Speeding 6 - 10 MPH over limit	$758	$129
Speeding in school zone	$758	$126
Following too closely	$763	$130
Illegal turn	$763	$128
In 65 MPH zone	$763	$130
Failure to stop at a red light	$769	$129
Failure to yield	$769	$131
Improper passing	$769	$129
Speeding 16 - 20 MPH over limit	$775	$132
Speeding 21 - 25 MPH over limit	$775	$130
Wrong way/wrong lane	$775	$132
Passing school bus	$806	$135
Cell phone violation	$824	$140
Texting while driving	$843	$141
At-fault accident - less than $1000	$860	$146
Open container	$903	$151
Operating a vehicle without permission	$921	$157
At-fault accident - $1000-$2000	$939	$156
At-fault accident - greater than $2000	$952	$162
Racing	$1055	$175
Driving with a suspended license	$1084	$185
Reckless driving	$1084	$181
DUI	$1139	$194
Refusal to submit to a chemical test	$1139	$190
Leaving scene of an accident/hit and run	$1206	$205

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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 Island Falls 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 Island Falls.

The cheapest car insurance premiums in Island Falls are offered by AutoOwners at $260 for a six-month policy. However, it can be as expensive as $5096 with companies like Sentry.

Island Falls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$260	$44
Countryway Insurance	$266	$45
Concord Group	$285	$48
Travelers	$485	$82
Progressive	$691	$116
MMG	$721	$121
USAA	$733	$123
State Farm	$1097	$185
Allstate	$1193	$201
Concord	$1327	$225
Farmers	$2690	$449
Sentry	$5096	$866

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 Island Falls are offered by Vermont Mutual at $140. However, it can be as expensive as $1781 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Island Falls after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$140	$23
Concord Group	$200	$34
Travelers	$466	$79
USAA	$515	$88
State Farm	$630	$106
MMG	$849	$144
Progressive	$1000	$166
Concord	$1024	$174
Allstate	$1127	$188
Sentry	$1255	$213
Farmers	$1781	$297

Car Insurance Price Trends in Island Falls, Maine

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

The average cost of full coverage in the Island Falls rose by $156 in February compared to $133 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 Island Falls dipped to $35 in February, compared to $38 in January. This represents an decrease of $3 when comparing February and January.

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Frequently Asked Questions

How much is car insurance in Island Falls?

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

What is the cheapest car insurance in Island Falls?

The cheapest car insurance in Island Falls is $57 per month for full coverage.

How much is car insurance in Island Falls for teenagers?

Car insurance for teenagers costs $218 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 Island Falls?

The average cost of car insurance is $665 for a six-month policy. It will cost around $113 per month to insure your car in Island Falls.

Is car insurance expensive in Island Falls?

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

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

The best car insurance company in Island Falls ME is Concord Group, offering $346 for a six-month policy.