Cheapest Car Insurance Quotes in Portland

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Portland 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 Portland

The car insurance rate in Portland is $685 for a six-month policy, which is $20 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $349, making it a popular choice for budget-conscious drivers. Rates in Portland 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 Portland

$685

Avg. Car Insurance in Maine

$665

National Average

$1278

Cheapest Car Insurance Companies in Portland

1st place: Concord Group

At $349 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 $441 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 $447 for six months, making it the third cheapest auto insurance company in Portland.

Portland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Portland, ME is Concord Group, offering policies at just $349 for a six-month term. This is followed by Travelers, which has an average six-month premium of $441.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1144 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Portland drivers find the best deals.

Cheap Car Insurance Companies in Portland, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$349	$58
Travelers	$441	$74
Vermont Mutual	$447	$75
USAA	$483	$81
Auto-Owners	$569	$95
Progressive	$685	$115
MMG	$753	$127
Concord	$795	$135
Allstate	$905	$152
State Farm	$967	$163
Farmers	$1144	$191

Key Takeaways

Way's key takeaways about car insurance in Portland

The auto insurance costs in Portland fall around $349 for six months.
The cheapest auto insurance company in Portland is MMG.
Teen drivers pay the highest rate in Portland at $705 per month.

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Cheapest Minimum Liability Car Insurance in Portland

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 Portland are given below.

MMG provides the cheapest minimum car insurance coverage in Portland. Their Average 6 Month Premium is $147. Electric is the most expensive at $227 for the same period.

Cheapest Liability Coverage in Portland, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
MMG	$147	$25
USAA	$153	$26
Auto-Owners	$159	$27
Vermont Mutual	$159	$27
Concord Group	$177	$30
Frankenmuth	$190	$32
Travelers	$214	$36
Progressive	$256	$43
State Farm	$275	$46
Allstate	$337	$57
Concord	$281	$47
Farmers	$300	$50
Electric	$227	$38

Cheapest Full Coverage Car Insurance in Portland

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 Portland is Concord Group at $58 per month and $349 for six months.

Cheapest Full Coverage Car Insurance Quotes in Portland, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$349	$58
Travelers	$441	$74
Vermont Mutual	$447	$75
USAA	$483	$81
Auto-Owners	$569	$95
Progressive	$685	$115
MMG	$753	$127
Concord	$795	$135
Allstate	$905	$152
State Farm	$967	$163
Farmers	$1144	$191

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Average Car Insurance in Portland 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 Portland, ME increasing?

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

Car Insurance Premiums by Age in Portland

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 Portland,ME

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners provides the cheapest car insurance in the Portland at $37 per month. At $4228 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$220	$37
Concord Group	$245	$41
Vermont Mutual	$245	$41
Patriot Insurance	$269	$45
Countryway Insurance	$275	$46
Travelers	$770	$130
USAA	$930	$157
Concord	$1573	$262
MMG	$2074	$352
State Farm	$2319	$390
Allstate	$2447	$412
Progressive	$2631	$443
Sentry	$2937	$500
Farmers	$4228	$705

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 Portland, Concord Group is the cheapest car insurance provider. At $281 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 Portland is State Farm, offering rates of around $4002 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$281	$47
Countryway Insurance	$318	$55
Vermont Mutual	$343	$57
Travelers	$562	$95
USAA	$759	$127
Allstate	$845	$142
MMG	$1028	$171
Progressive	$1180	$201
Concord	$1395	$233
Sentry	$1646	$280
Farmers	$3628	$605
State Farm	$4002	$681

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Car Insurance Rates with An Accident in Portland

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

Cheapest Car Insurance Companies after an At-Fault Accident in Portland

The cheapest car insurance companies after an at-fault accident in Portland include Vermont Mutual and AutoOwners, offering $159 and $251, respectively. Farmers is an expensive provider with an average six-month premium of $2368.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$159	$27
Auto-Owners	$251	$42
Patriot Insurance	$251	$42
Concord Group	$256	$43
Electric	$331	$55
Travelers	$459	$77
USAA	$465	$78
MMG	$483	$81
State Farm	$826	$139
Progressive	$1217	$205
Concord	$1248	$208
Allstate	$1388	$234
Sentry	$1499	$250
Farmers	$2368	$403

Portland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Portland ME. For example, the car insurance in Portland after a DUI increases to $521 for a six month policy. While the rate increases by $135 for a six-month policy in the case of a speeding ticket.

Portland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$630	$105
One Med/PIP claim	$637	$108
Two Med/PIP claims	$666	$111
One comp claim	$673	$114
Not-at-fault accident	$679	$113
Driving without lights	$716	$122
Failure to show documents	$722	$121
Failure to wear a seat belt	$728	$124
Child safety restraint	$734	$123
Two comp claims	$747	$127
Driving with expired registration	$759	$127
Driving too slowly	$765	$130
Speeding 11 - 15 MPH over limit	$765	$128
Speeding 6 - 10 MPH over limit	$765	$130
Speeding in school zone	$765	$128
Following too closely	$770	$131
Illegal turn	$770	$129
In 65 MPH zone	$770	$131
Failure to stop at a red light	$777	$130
Failure to yield	$777	$132
Improper passing	$777	$130
Speeding 16 - 20 MPH over limit	$783	$133
Speeding 21 - 25 MPH over limit	$783	$131
Wrong way/wrong lane	$783	$133
Passing school bus	$814	$136
Cell phone violation	$832	$141
Texting while driving	$851	$142
At-fault accident - less than $1000	$868	$147
Open container	$912	$152
Operating a vehicle without permission	$930	$159
At-fault accident - $1000-$2000	$949	$158
At-fault accident - greater than $2000	$961	$164
Racing	$1065	$177
Driving with a suspended license	$1095	$186
Reckless driving	$1095	$182
DUI	$1151	$196
Refusal to submit to a chemical test	$1151	$192
Leaving scene of an accident/hit and run	$1217	$207

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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 Portland 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 Portland.

The cheapest car insurance premiums in Portland are offered by AutoOwners at $263 for a six-month policy. However, it can be as expensive as $5146 with companies like Sentry.

Portland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$263	$44
Countryway Insurance	$269	$45
Concord Group	$287	$48
Travelers	$489	$82
Progressive	$697	$117
MMG	$728	$123
USAA	$741	$125
State Farm	$1107	$186
Allstate	$1205	$203
Concord	$1340	$228
Farmers	$2716	$453
Sentry	$5146	$874

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 Portland are offered by Vermont Mutual at $141. However, it can be as expensive as $1798 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Portland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$141	$24
Concord Group	$202	$34
Travelers	$471	$79
USAA	$520	$89
State Farm	$637	$107
MMG	$857	$145
Progressive	$1009	$168
Concord	$1034	$176
Allstate	$1138	$190
Sentry	$1267	$215
Farmers	$1798	$300

Car Insurance Price Trends in Portland, Maine

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

The average cost of full coverage in the Portland rose by $158 in January compared to $134 of December. In other words, there has been an increase by $24 when you compare January and December.

The average cost of liability insurance in the Portland dipped to $35 in January, compared to $38 in December. This represents an decrease of $3 when comparing January and December.

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Average Car Insurance Cost in Portland 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 Portland. At $863 for a six-month policy, insuring your car at 4101 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
4101	$863	$144
4102	$863	$144
4103	$1000	$166
4109	$684	$114

Frequently Asked Questions

How much is car insurance in Portland?

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

What is the cheapest car insurance in Portland?

The cheapest car insurance in Portland is $58 per month for full coverage.

How much is car insurance in Portland for teenagers?

Car insurance for teenagers costs $220 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 Portland?

The average cost of car insurance is $665 for a six-month policy. It will cost around $114 per month to insure your car in Portland.

Is car insurance expensive in Portland?

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

What is the best car insurance in Portland, ME?

The best car insurance company in Portland ME is Concord Group, offering $349 for a six-month policy.