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Lubec Car Insurance
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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.
The car insurance rate in Lubec is $632 for a six-month policy, which is $24 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $353, making it a popular choice for budget-conscious drivers. Rates in Lubec 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 $353 for a six month policy, Concord Group offers the cheapest auto insurance rates in the city.
Travelers offers auto insurance rates at $433 for a six-month policy, making it one of the cheapest to insure with.
Vermont Mutual offers auto insurance rates at $451 for six months, making it the third cheapest auto insurance company in Lubec.
Based on our research, the cheapest car insurance company in Lubec, ME is Concord Group, offering policies at just $353 for a six-month term. This is followed by Travelers, which has an average six-month premium of $433.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $952 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lubec drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Concord Group | $353 | $60 |
| Travelers | $433 | $73 |
| Vermont Mutual | $451 | $76 |
| USAA | $469 | $79 |
| Concord | $568 | $97 |
| Auto-Owners | $574 | $96 |
| Progressive | $673 | $113 |
| MMG | $710 | $120 |
| State Farm | $859 | $145 |
| Allstate | $920 | $155 |
| Farmers | $952 | $162 |
Save up to $971/yr with our auto insurance quotes
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 Lubec are given below.
USAA provides the cheapest minimum car insurance coverage in Lubec. Their Average 6 Month Premium is $155. Electric is the most expensive at $229 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $155 | $26 |
| Auto-Owners | $160 | $27 |
| Vermont Mutual | $160 | $27 |
| Concord Group | $179 | $30 |
| MMG | $179 | $30 |
| Frankenmuth | $191 | $32 |
| Travelers | $223 | $37 |
| State Farm | $271 | $46 |
| Concord | $284 | $48 |
| Farmers | $303 | $51 |
| Progressive | $328 | $55 |
| Allstate | $364 | $61 |
| Electric | $229 | $38 |
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 Lubec is Concord Group at $60 per month and $353 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Concord Group | $353 | $60 |
| Travelers | $433 | $73 |
| Vermont Mutual | $451 | $76 |
| USAA | $469 | $79 |
| Concord | $568 | $97 |
| Auto-Owners | $574 | $96 |
| Progressive | $673 | $113 |
| MMG | $710 | $120 |
| State Farm | $859 | $145 |
| Allstate | $920 | $155 |
| Farmers | $952 | $162 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Lubec, 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, Lubec's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, AutoOwners provides the cheapest car insurance in the Lubec at $37 per month. At $3465 for a six-month premium, Farmers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $223 | $37 |
| Concord Group | $248 | $42 |
| Vermont Mutual | $248 | $42 |
| Patriot Insurance | $271 | $46 |
| Countryway Insurance | $278 | $47 |
| Travelers | $717 | $121 |
| USAA | $877 | $148 |
| Concord | $1174 | $196 |
| MMG | $1822 | $310 |
| State Farm | $1971 | $332 |
| Allstate | $2484 | $418 |
| Progressive | $2601 | $438 |
| Farmers | $3465 | $590 |
Teen Car Insurance Rates in ME by Age
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.
For those with poor credit scores in Lubec, Concord Group is the cheapest car insurance provider. At $284 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 Lubec is Farmers, offering rates of around $2940 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Concord Group | $284 | $48 |
| Countryway Insurance | $321 | $55 |
| Vermont Mutual | $346 | $57 |
| Travelers | $525 | $88 |
| USAA | $643 | $107 |
| Allstate | $859 | $145 |
| MMG | $902 | $151 |
| Concord | $994 | $170 |
| Progressive | $1168 | $194 |
| State Farm | $2521 | $428 |
| Farmers | $2940 | $490 |
Save up to $971/yr on car insurance rates in Lubec.
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 Lubec, ME, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Lubec include Vermont Mutual and AutoOwners, offering $160 and $254, respectively. Farmers is an expensive provider with an average six-month premium of $1933.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Vermont Mutual | $160 | $27 |
| Auto-Owners | $254 | $43 |
| Patriot Insurance | $254 | $43 |
| Concord Group | $259 | $44 |
| Electric | $334 | $55 |
| MMG | $433 | $73 |
| Travelers | $445 | $75 |
| USAA | $445 | $75 |
| State Farm | $717 | $121 |
| Concord | $895 | $152 |
| Progressive | $1186 | $200 |
| Allstate | $1242 | $209 |
| Farmers | $1933 | $322 |
Here is a list of driving violations that can increase your car insurance rates in Lubec ME. For example, the car insurance in Lubec after a DUI increases to $526 for a six month policy. While the rate increases by $137 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $636 | $106 |
| One Med/PIP claim | $643 | $109 |
| Two Med/PIP claims | $673 | $112 |
| One comp claim | $679 | $115 |
| Not-at-fault accident | $685 | $114 |
| Driving without lights | $723 | $123 |
| Failure to show documents | $729 | $122 |
| Failure to wear a seat belt | $735 | $125 |
| Child safety restraint | $742 | $124 |
| Two comp claims | $754 | $128 |
| Driving with expired registration | $766 | $128 |
| Driving too slowly | $773 | $131 |
| Speeding 11 - 15 MPH over limit | $773 | $129 |
| Speeding 6 - 10 MPH over limit | $773 | $131 |
| Speeding in school zone | $773 | $129 |
| Following too closely | $778 | $132 |
| Illegal turn | $778 | $130 |
| In 65 MPH zone | $778 | $132 |
| Failure to stop at a red light | $784 | $131 |
| Failure to yield | $784 | $133 |
| Improper passing | $784 | $131 |
| Speeding 16 - 20 MPH over limit | $790 | $134 |
| Speeding 21 - 25 MPH over limit | $790 | $132 |
| Wrong way/wrong lane | $790 | $134 |
| Passing school bus | $822 | $137 |
| Cell phone violation | $840 | $142 |
| Texting while driving | $859 | $144 |
| At-fault accident - less than $1000 | $877 | $149 |
| Open container | $920 | $154 |
| Operating a vehicle without permission | $939 | $160 |
| At-fault accident - $1000-$2000 | $958 | $159 |
| At-fault accident - greater than $2000 | $970 | $165 |
| Racing | $1075 | $179 |
| Driving with a suspended license | $1106 | $188 |
| Reckless driving | $1106 | $184 |
| DUI | $1162 | $198 |
| Refusal to submit to a chemical test | $1162 | $193 |
| Leaving scene of an accident/hit and run | $1229 | $209 |
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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.
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 Lubec.
The cheapest car insurance premiums in Lubec are offered by AutoOwners at $265 for a six-month policy. However, it can be as expensive as $2112 with companies like Farmers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $265 | $45 |
| Countryway Insurance | $271 | $46 |
| Concord Group | $290 | $49 |
| Travelers | $469 | $79 |
| MMG | $655 | $110 |
| Progressive | $655 | $110 |
| USAA | $698 | $118 |
| State Farm | $883 | $149 |
| Concord | $958 | $163 |
| Allstate | $1223 | $206 |
| Farmers | $2112 | $359 |
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 Lubec are offered by Vermont Mutual at $142. However, it can be as expensive as $1662 with companies like Farmers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Vermont Mutual | $142 | $24 |
| Concord Group | $204 | $34 |
| Travelers | $433 | $73 |
| State Farm | $445 | $75 |
| USAA | $445 | $76 |
| Concord | $655 | $109 |
| MMG | $742 | $126 |
| Progressive | $895 | $150 |
| Allstate | $982 | $167 |
| Farmers | $1662 | $277 |
Car insurance rates in Lubec have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Lubec remained steady at $135 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Lubec remained steady at $38 in both December and November, indicating no change over the two month period.
How much is car insurance in Lubec?
The car insurance in Lubec is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Lubec?
The cheapest car insurance in Lubec is $60 per month for full coverage.
How much is car insurance in Lubec for teenagers?
Car insurance for teenagers costs $223 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 Lubec?
The average cost of car insurance is $608 for a six-month policy. It will cost around $106 per month to insure your car in Lubec.
Is car insurance expensive in Lubec?
Car insurance can be expensive in Lubec if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Lubec can be affordable.
What is the best car insurance in Lubec, ME?
The best car insurance company in Lubec ME is Concord Group, offering $353 for a six-month policy.
Cut auto insurance costs in Lubec right now.