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Finding the cheapest car insurance quotes in Madawaska 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 Madawaska
The car insurance rate in Madawaska 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 Madawaska 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 $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 Madawaska.
Madawaska Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Madawaska, 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 Madawaska drivers find the best deals.
Way's key takeaways about car insurance in Madawaska
The auto insurance costs in Madawaska fall around $322 for six
months.
The cheapest auto insurance company in Madawaska is USAA.
Teen drivers pay the highest rate in Madawaska at $539 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Madawaska
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 Madawaska are given below.
USAA provides
the cheapest minimum car insurance
coverage in Madawaska. Their Average 6 Month Premium is $142.
Electric is the most
expensive at $209 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 Madawaska is Concord Group
at $55 per month and $322
for six months.
Cheapest Full Coverage Car Insurance Quotes in Madawaska,
ME
Get Your Car Insurance Quote in Madawaska
Instantly!
Average Car Insurance in Madawaska 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 Madawaska, ME increasing?
Despite maintaining a clean driving record, your car insurance rates
in Madawaska, 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, Madawaska's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Madawaska
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
Madawaska,ME
If you are planning to get a car insurance policy for your teenage
dependent, AutoOwners provides the cheapest car
insurance in the Madawaska at $34
per
month. At $3165 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 Madawaska.
As young drivers face the highest rates in Madawaska, 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 Madawaska,
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
Madawaska is Farmers, offering
rates of around $2686 for six
months.
Save up to $971/yr on car insurance rates in Madawaska.
Car Insurance Rates with An Accident in Madawaska
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 Madawaska, ME,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Madawaska
The cheapest car insurance companies after an at-fault accident in
Madawaska include Vermont Mutual
and AutoOwners, offering $146
and $232,
respectively. Farmers is an expensive provider
with an average six-month premium of
$1766.
Here is a list of driving violations that can increase your car
insurance rates in Madawaska ME. For example, the car
insurance in Madawaska
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.
Madawaska 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 Madawaska 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 Madawaska.
The cheapest car insurance premiums in
Madawaska are
offered by AutoOwners at $242 for a six-month policy.
However, it can be as
expensive as $1929 with companies
like Farmers.
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 Madawaska 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 Madawaska after Speeding ticket
Car insurance rates in Madawaska have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Madawaska 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 Madawaska remained steady at $35 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Madawaska by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Madawaska. At $1155 for a
six-month policy, insuring
your car at 4756 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 Madawaska?
The car insurance in Madawaska is $24 per month, which is lower than the national average.
What is the cheapest car insurance in Madawaska?
The cheapest car insurance in Madawaska
is $55 per month
for full coverage.
How much is car insurance in Madawaska 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
Madawaska?
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 Madawaska.
Is car insurance expensive in Madawaska?
Car insurance can be expensive in Madawaska if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Madawaska can be
affordable.
What is the best car insurance in Madawaska,
ME?
The best car insurance company in Madawaska
ME is
Concord Group, offering $322 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Madawaska, ME
Car Insurance Rates by State in the USA (2025 Update)
Madawaska Car Insurance
