Cheapest Car Insurance Quotes in North Windham

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North Windham Car Insurance

^$ 25

/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 North Windham

The car insurance rate in North Windham is $596 for a six-month policy, which is $12 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $332, making it a popular choice for budget-conscious drivers. Rates in North Windham 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 North Windham

$596

Avg. Car Insurance in Maine

$608

National Average

$1140

Cheapest Car Insurance Companies in North Windham

1st place: Concord Group

At $332 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 $408 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 $425 for six months, making it the third cheapest auto insurance company in North Windham.

North Windham Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North Windham, ME is Concord Group, offering policies at just $332 for a six-month term. This is followed by Travelers, which has an average six-month premium of $408.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $897 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Windham drivers find the best deals.

Cheap Car Insurance Companies in North Windham, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$332	$57
Travelers	$408	$69
Vermont Mutual	$425	$72
USAA	$442	$74
Concord	$535	$91
Auto-Owners	$541	$90
Progressive	$634	$107
MMG	$669	$113
State Farm	$809	$136
Allstate	$867	$146
Farmers	$897	$153

Key Takeaways

Way's key takeaways about car insurance in North Windham

The auto insurance costs in North Windham fall around $332 for six months.
The cheapest auto insurance company in North Windham is USAA.
Teen drivers pay the highest rate in North Windham at $556 per month.

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Cheapest Minimum Liability Car Insurance in North Windham

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 North Windham are given below.

USAA provides the cheapest minimum car insurance coverage in North Windham. Their Average 6 Month Premium is $146. Electric is the most expensive at $216 for the same period.

Cheapest Liability Coverage in North Windham, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$146	$25
Auto-Owners	$151	$25
Vermont Mutual	$151	$25
Concord Group	$169	$28
MMG	$169	$28
Frankenmuth	$180	$30
Travelers	$210	$35
State Farm	$256	$43
Concord	$268	$45
Farmers	$285	$48
Progressive	$309	$52
Allstate	$343	$58
Electric	$216	$36

Cheapest Full Coverage Car Insurance in North Windham

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 North Windham is Concord Group at $57 per month and $332 for six months.

Cheapest Full Coverage Car Insurance Quotes in North Windham, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$332	$57
Travelers	$408	$69
Vermont Mutual	$425	$72
USAA	$442	$74
Concord	$535	$91
Auto-Owners	$541	$90
Progressive	$634	$107
MMG	$669	$113
State Farm	$809	$136
Allstate	$867	$146
Farmers	$897	$153

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Average Car Insurance in North Windham 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 North Windham, ME increasing?

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

Car Insurance Premiums by Age in North Windham

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 North Windham,ME

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners provides the cheapest car insurance in the North Windham at $35 per month. At $3265 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$210	$35
Concord Group	$233	$39
Vermont Mutual	$233	$39
Patriot Insurance	$256	$43
Countryway Insurance	$262	$44
Travelers	$675	$114
USAA	$826	$139
Concord	$1106	$184
MMG	$1717	$292
State Farm	$1857	$313
Allstate	$2340	$394
Progressive	$2451	$413
Farmers	$3265	$556

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 North Windham, Concord Group is the cheapest car insurance provider. At $268 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 North Windham is Farmers, offering rates of around $2770 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$268	$45
Countryway Insurance	$303	$52
Vermont Mutual	$326	$54
Travelers	$495	$83
USAA	$606	$101
Allstate	$809	$136
MMG	$850	$142
Concord	$937	$160
Progressive	$1101	$183
State Farm	$2376	$404
Farmers	$2770	$462

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Car Insurance Rates with An Accident in North Windham

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 North Windham, ME, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in North Windham

The cheapest car insurance companies after an at-fault accident in North Windham include Vermont Mutual and AutoOwners, offering $151 and $239, respectively. Farmers is an expensive provider with an average six-month premium of $1822.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$151	$25
Auto-Owners	$239	$40
Patriot Insurance	$239	$40
Concord Group	$244	$41
Electric	$315	$52
MMG	$408	$69
Travelers	$419	$71
USAA	$419	$71
State Farm	$675	$114
Concord	$844	$143
Progressive	$1117	$188
Allstate	$1170	$197
Farmers	$1822	$304

North Windham Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North Windham ME. For example, the car insurance in North Windham after a DUI increases to $495 for a six month policy. While the rate increases by $128 for a six-month policy in the case of a speeding ticket.

North Windham auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$600	$100
One Med/PIP claim	$606	$103
Two Med/PIP claims	$634	$106
One comp claim	$640	$109
Not-at-fault accident	$646	$108
Driving without lights	$681	$116
Failure to show documents	$687	$115
Failure to wear a seat belt	$693	$118
Child safety restraint	$699	$117
Two comp claims	$711	$121
Driving with expired registration	$722	$121
Driving too slowly	$728	$123
Speeding 11 - 15 MPH over limit	$728	$122
Speeding 6 - 10 MPH over limit	$728	$123
Speeding in school zone	$728	$122
Following too closely	$733	$124
Illegal turn	$733	$123
In 65 MPH zone	$733	$124
Failure to stop at a red light	$739	$123
Failure to yield	$739	$125
Improper passing	$739	$123
Speeding 16 - 20 MPH over limit	$745	$126
Speeding 21 - 25 MPH over limit	$745	$124
Wrong way/wrong lane	$745	$126
Passing school bus	$774	$129
Cell phone violation	$792	$134
Texting while driving	$809	$135
At-fault accident - less than $1000	$826	$140
Open container	$867	$145
Operating a vehicle without permission	$885	$151
At-fault accident - $1000-$2000	$903	$150
At-fault accident - greater than $2000	$914	$156
Racing	$1013	$169
Driving with a suspended license	$1042	$177
Reckless driving	$1042	$173
DUI	$1095	$186
Refusal to submit to a chemical test	$1095	$182
Leaving scene of an accident/hit and run	$1158	$197

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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 North Windham 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 North Windham.

The cheapest car insurance premiums in North Windham are offered by AutoOwners at $250 for a six-month policy. However, it can be as expensive as $1990 with companies like Farmers.

North Windham car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$250	$42
Countryway Insurance	$256	$43
Concord Group	$273	$46
Travelers	$442	$74
MMG	$617	$104
Progressive	$617	$104
USAA	$658	$111
State Farm	$832	$140
Concord	$903	$154
Allstate	$1152	$194
Farmers	$1990	$338

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 North Windham are offered by Vermont Mutual at $134. However, it can be as expensive as $1566 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in North Windham after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$134	$23
Concord Group	$192	$32
Travelers	$408	$69
State Farm	$419	$71
USAA	$419	$72
Concord	$617	$103
MMG	$699	$119
Progressive	$844	$141
Allstate	$925	$158
Farmers	$1566	$261

Car Insurance Price Trends in North Windham, Maine

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

The average cost of full coverage in the North Windham remained steady at $127 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the North Windham remained steady at $36 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in North Windham?

The car insurance in North Windham is $25 per month, which is lower than the national average.

What is the cheapest car insurance in North Windham?

The cheapest car insurance in North Windham is $57 per month for full coverage.

How much is car insurance in North Windham for teenagers?

Car insurance for teenagers costs $210 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 North Windham?

The average cost of car insurance is $608 for a six-month policy. It will cost around $100 per month to insure your car in North Windham.

Is car insurance expensive in North Windham?

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

What is the best car insurance in North Windham, ME?

The best car insurance company in North Windham ME is Concord Group, offering $332 for a six-month policy.