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Finding the cheapest car insurance quotes in Penobscot 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 Penobscot
The car insurance rate in Penobscot 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 Penobscot 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.
2nd place: Travelers
Travelers offers auto
insurance rates at $433 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 $451
for six months, making it
the third cheapest auto insurance company in Penobscot.
Penobscot Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Penobscot, 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 Penobscot drivers find the best deals.
Way's key takeaways about car insurance in Penobscot
The auto insurance costs in Penobscot fall around $353 for six
months.
The cheapest auto insurance company in Penobscot is USAA.
Teen drivers pay the highest rate in Penobscot at $590 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Penobscot
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 Penobscot are given below.
USAA provides
the cheapest minimum car insurance
coverage in Penobscot. Their Average 6 Month Premium is $155.
Electric is the most
expensive at $229 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 Penobscot is Concord Group
at $60 per month and $353
for six months.
Cheapest Full Coverage Car Insurance Quotes in Penobscot,
ME
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Instantly!
Average Car Insurance in Penobscot 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 Penobscot, ME increasing?
Despite maintaining a clean driving record, your car insurance rates
in Penobscot, 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, Penobscot's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Penobscot
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
Penobscot,ME
If you are planning to get a car insurance policy for your teenage
dependent, AutoOwners provides the cheapest car
insurance in the Penobscot at $37
per
month. At $3465 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 Penobscot.
As young drivers face the highest rates in Penobscot, 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 Penobscot,
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
Penobscot is Farmers, offering
rates of around $2940 for six
months.
Save up to $971/yr on car insurance rates in Penobscot.
Car Insurance Rates with An Accident in Penobscot
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 Penobscot, ME,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Penobscot
The cheapest car insurance companies after an at-fault accident in
Penobscot include Vermont Mutual
and AutoOwners, offering $160
and $254,
respectively. Farmers is an expensive provider
with an average six-month premium of
$1933.
Here is a list of driving violations that can increase your car
insurance rates in Penobscot ME. For example, the car
insurance in Penobscot
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.
Penobscot auto insurance quotes by violations
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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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 Penobscot 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 Penobscot.
The cheapest car insurance premiums in
Penobscot are
offered by AutoOwners at $265 for a six-month policy.
However, it can be as
expensive as $2112 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 Penobscot 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.
Cheapest Car Insurance in Penobscot after Speeding ticket
Car insurance rates in Penobscot have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Penobscot 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 Penobscot remained steady at $38 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Penobscot 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
Penobscot. At $1264 for a
six-month policy, insuring
your car at 4476 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 Penobscot?
The car insurance in Penobscot is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Penobscot?
The cheapest car insurance in Penobscot
is $60 per month
for full coverage.
How much is car insurance in Penobscot 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
Penobscot?
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 Penobscot.
Is car insurance expensive in Penobscot?
Car insurance can be expensive in Penobscot if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Penobscot can be
affordable.
What is the best car insurance in Penobscot,
ME?
The best car insurance company in Penobscot
ME is
Concord Group, offering $353 for a
six-month policy.
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Penobscot Car Insurance
