Cheapest Car Insurance Quotes in Little Falls

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Little 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 Little Falls

The car insurance rate in Little Falls is $672 for a six-month policy, which is $7 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $342, making it a popular choice for budget-conscious drivers. Rates in Little 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 Little Falls

$672

Avg. Car Insurance in Maine

$665

National Average

$1278

Cheapest Car Insurance Companies in Little Falls

1st place: Concord Group

At $342 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 $432 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 $438 for six months, making it the third cheapest auto insurance company in Little Falls.

Little Falls Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Little Falls, ME is Concord Group, offering policies at just $342 for a six-month term. This is followed by Travelers, which has an average six-month premium of $432.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1122 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Little Falls drivers find the best deals.

Cheap Car Insurance Companies in Little Falls, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$342	$57
Travelers	$432	$73
Vermont Mutual	$438	$74
USAA	$474	$80
Auto-Owners	$558	$93
Progressive	$672	$113
MMG	$738	$124
Concord	$780	$132
Allstate	$888	$149
State Farm	$948	$160
Farmers	$1122	$187

Key Takeaways

Way's key takeaways about car insurance in Little Falls

The auto insurance costs in Little Falls fall around $342 for six months.
The cheapest auto insurance company in Little Falls is MMG.
Teen drivers pay the highest rate in Little Falls at $691 per month.

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Cheapest Minimum Liability Car Insurance in Little 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 Little Falls are given below.

MMG provides the cheapest minimum car insurance coverage in Little Falls. Their Average 6 Month Premium is $144. Electric is the most expensive at $222 for the same period.

Cheapest Liability Coverage in Little Falls, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
MMG	$144	$24
USAA	$150	$25
Auto-Owners	$156	$26
Vermont Mutual	$156	$26
Concord Group	$174	$29
Frankenmuth	$186	$31
Travelers	$210	$35
Progressive	$251	$42
State Farm	$270	$45
Allstate	$330	$56
Concord	$276	$46
Farmers	$294	$49
Electric	$222	$37

Cheapest Full Coverage Car Insurance in Little 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 Little Falls is Concord Group at $57 per month and $342 for six months.

Cheapest Full Coverage Car Insurance Quotes in Little Falls, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$342	$57
Travelers	$432	$73
Vermont Mutual	$438	$74
USAA	$474	$80
Auto-Owners	$558	$93
Progressive	$672	$113
MMG	$738	$124
Concord	$780	$132
Allstate	$888	$149
State Farm	$948	$160
Farmers	$1122	$187

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Average Car Insurance in Little 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 Little Falls, ME increasing?

Despite maintaining a clean driving record, your car insurance rates in Little 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, Little 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 Little 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 Little Falls,ME

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners provides the cheapest car insurance in the Little Falls at $36 per month. At $4146 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$216	$36
Concord Group	$240	$40
Vermont Mutual	$240	$40
Patriot Insurance	$264	$44
Countryway Insurance	$270	$45
Travelers	$755	$127
USAA	$912	$154
Concord	$1542	$257
MMG	$2034	$345
State Farm	$2274	$383
Allstate	$2400	$404
Progressive	$2580	$434
Sentry	$2880	$490
Farmers	$4146	$691

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 Little Falls, Concord Group is the cheapest car insurance provider. At $276 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 Little Falls is State Farm, offering rates of around $3924 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$276	$46
Countryway Insurance	$312	$54
Vermont Mutual	$336	$56
Travelers	$551	$93
USAA	$744	$124
Allstate	$828	$139
MMG	$1008	$168
Progressive	$1157	$197
Concord	$1368	$228
Sentry	$1614	$275
Farmers	$3557	$593
State Farm	$3924	$668

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

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

The cheapest car insurance companies after an at-fault accident in Little Falls include Vermont Mutual and AutoOwners, offering $156 and $246, respectively. Farmers is an expensive provider with an average six-month premium of $2322.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$156	$26
Auto-Owners	$246	$41
Patriot Insurance	$246	$41
Concord Group	$251	$42
Electric	$324	$54
Travelers	$450	$76
USAA	$456	$77
MMG	$474	$80
State Farm	$810	$136
Progressive	$1194	$201
Concord	$1224	$204
Allstate	$1361	$229
Sentry	$1470	$245
Farmers	$2322	$395

Little Falls Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Little Falls ME. For example, the car insurance in Little Falls after a DUI increases to $510 for a six month policy. While the rate increases by $132 for a six-month policy in the case of a speeding ticket.

Little Falls auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$618	$103
One Med/PIP claim	$624	$106
Two Med/PIP claims	$653	$109
One comp claim	$660	$112
Not-at-fault accident	$666	$111
Driving without lights	$702	$119
Failure to show documents	$708	$118
Failure to wear a seat belt	$714	$121
Child safety restraint	$720	$120
Two comp claims	$732	$124
Driving with expired registration	$744	$124
Driving too slowly	$750	$127
Speeding 11 - 15 MPH over limit	$750	$125
Speeding 6 - 10 MPH over limit	$750	$127
Speeding in school zone	$750	$125
Following too closely	$755	$128
Illegal turn	$755	$126
In 65 MPH zone	$755	$128
Failure to stop at a red light	$762	$127
Failure to yield	$762	$129
Improper passing	$762	$127
Speeding 16 - 20 MPH over limit	$768	$130
Speeding 21 - 25 MPH over limit	$768	$128
Wrong way/wrong lane	$768	$130
Passing school bus	$798	$133
Cell phone violation	$816	$138
Texting while driving	$834	$139
At-fault accident - less than $1000	$851	$144
Open container	$894	$149
Operating a vehicle without permission	$912	$156
At-fault accident - $1000-$2000	$930	$155
At-fault accident - greater than $2000	$942	$161
Racing	$1044	$174
Driving with a suspended license	$1074	$183
Reckless driving	$1074	$179
DUI	$1128	$192
Refusal to submit to a chemical test	$1128	$188
Leaving scene of an accident/hit and run	$1194	$203

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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 Little 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 Little Falls.

The cheapest car insurance premiums in Little Falls are offered by AutoOwners at $258 for a six-month policy. However, it can be as expensive as $5046 with companies like Sentry.

Little Falls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$258	$43
Countryway Insurance	$264	$44
Concord Group	$282	$47
Travelers	$480	$81
Progressive	$684	$115
MMG	$714	$120
USAA	$726	$122
State Farm	$1086	$183
Allstate	$1182	$199
Concord	$1314	$223
Farmers	$2663	$444
Sentry	$5046	$857

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 Little Falls are offered by Vermont Mutual at $138. However, it can be as expensive as $1763 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Little Falls after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$138	$23
Concord Group	$198	$33
Travelers	$462	$78
USAA	$510	$87
State Farm	$624	$105
MMG	$840	$142
Progressive	$990	$165
Concord	$1014	$173
Allstate	$1116	$186
Sentry	$1242	$211
Farmers	$1763	$294

Car Insurance Price Trends in Little Falls, Maine

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

The average cost of full coverage in the Little Falls rose by $155 in February compared to $131 of January. In other words, there has been an increase by $24 when you compare February and January.

The average cost of liability insurance in the Little Falls dipped to $34 in February, compared to $37 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 Little Falls?

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

What is the cheapest car insurance in Little Falls?

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

How much is car insurance in Little Falls for teenagers?

Car insurance for teenagers costs $216 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 Little Falls?

The average cost of car insurance is $665 for a six-month policy. It will cost around $112 per month to insure your car in Little Falls.

Is car insurance expensive in Little Falls?

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

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

The best car insurance company in Little Falls ME is Concord Group, offering $342 for a six-month policy.