Cheapest Car Insurance Quotes in Presque Isle

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Presque Isle Car Insurance

^$ 23

/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 Presque Isle

The car insurance rate in Presque Isle is $559 for a six-month policy, which is $49 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $312, making it a popular choice for budget-conscious drivers. Rates in Presque Isle 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 Presque Isle

$559

Avg. Car Insurance in Maine

$608

National Average

$1140

Cheapest Car Insurance Companies in Presque Isle

1st place: Concord Group

At $312 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 $383 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 $399 for six months, making it the third cheapest auto insurance company in Presque Isle.

Presque Isle Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Presque Isle, ME is Concord Group, offering policies at just $312 for a six-month term. This is followed by Travelers, which has an average six-month premium of $383.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $842 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Presque Isle drivers find the best deals.

Cheap Car Insurance Companies in Presque Isle, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$312	$53
Travelers	$383	$64
Vermont Mutual	$399	$67
USAA	$415	$70
Concord	$502	$86
Auto-Owners	$508	$85
Progressive	$595	$100
MMG	$628	$106
State Farm	$760	$128
Allstate	$814	$137
Farmers	$842	$144

Key Takeaways

Way's key takeaways about car insurance in Presque Isle

The auto insurance costs in Presque Isle fall around $312 for six months.
The cheapest auto insurance company in Presque Isle is USAA.
Teen drivers pay the highest rate in Presque Isle at $522 per month.

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Cheapest Minimum Liability Car Insurance in Presque Isle

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 Presque Isle are given below.

USAA provides the cheapest minimum car insurance coverage in Presque Isle. Their Average 6 Month Premium is $137. Electric is the most expensive at $202 for the same period.

Cheapest Liability Coverage in Presque Isle, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$137	$23
Auto-Owners	$142	$24
Vermont Mutual	$142	$24
Concord Group	$158	$27
MMG	$158	$27
Frankenmuth	$169	$29
Travelers	$197	$33
State Farm	$240	$40
Concord	$251	$42
Farmers	$268	$45
Progressive	$290	$49
Allstate	$322	$54
Electric	$202	$34

Cheapest Full Coverage Car Insurance in Presque Isle

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 Presque Isle is Concord Group at $53 per month and $312 for six months.

Cheapest Full Coverage Car Insurance Quotes in Presque Isle, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$312	$53
Travelers	$383	$64
Vermont Mutual	$399	$67
USAA	$415	$70
Concord	$502	$86
Auto-Owners	$508	$85
Progressive	$595	$100
MMG	$628	$106
State Farm	$760	$128
Allstate	$814	$137
Farmers	$842	$144

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Average Car Insurance in Presque Isle 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 Presque Isle, ME increasing?

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

Car Insurance Premiums by Age in Presque Isle

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 Presque Isle,ME

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners provides the cheapest car insurance in the Presque Isle at $33 per month. At $3065 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$197	$33
Concord Group	$219	$37
Vermont Mutual	$219	$37
Patriot Insurance	$240	$40
Countryway Insurance	$246	$41
Travelers	$634	$107
USAA	$776	$131
Concord	$1039	$173
MMG	$1612	$274
State Farm	$1743	$293
Allstate	$2197	$370
Progressive	$2301	$387
Farmers	$3065	$522

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 Presque Isle, Concord Group is the cheapest car insurance provider. At $251 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 Presque Isle is Farmers, offering rates of around $2601 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$251	$42
Countryway Insurance	$284	$49
Vermont Mutual	$306	$51
Travelers	$465	$78
USAA	$569	$95
Allstate	$760	$128
MMG	$798	$133
Concord	$880	$150
Progressive	$1033	$172
State Farm	$2230	$379
Farmers	$2601	$433

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Car Insurance Rates with An Accident in Presque Isle

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

Cheapest Car Insurance Companies after an At-Fault Accident in Presque Isle

The cheapest car insurance companies after an at-fault accident in Presque Isle include Vermont Mutual and AutoOwners, offering $142 and $224, respectively. Farmers is an expensive provider with an average six-month premium of $1710.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$142	$24
Auto-Owners	$224	$38
Patriot Insurance	$224	$38
Concord Group	$229	$39
Electric	$295	$49
MMG	$383	$64
Travelers	$394	$66
USAA	$394	$66
State Farm	$634	$107
Concord	$792	$134
Progressive	$1049	$177
Allstate	$1098	$185
Farmers	$1710	$285

Presque Isle Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Presque Isle ME. For example, the car insurance in Presque Isle after a DUI increases to $465 for a six month policy. While the rate increases by $121 for a six-month policy in the case of a speeding ticket.

Presque Isle auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$563	$94
One Med/PIP claim	$569	$97
Two Med/PIP claims	$595	$99
One comp claim	$601	$102
Not-at-fault accident	$606	$101
Driving without lights	$639	$109
Failure to show documents	$645	$108
Failure to wear a seat belt	$650	$110
Child safety restraint	$656	$109
Two comp claims	$667	$113
Driving with expired registration	$678	$113
Driving too slowly	$684	$116
Speeding 11 - 15 MPH over limit	$684	$114
Speeding 6 - 10 MPH over limit	$684	$116
Speeding in school zone	$684	$114
Following too closely	$688	$117
Illegal turn	$688	$115
In 65 MPH zone	$688	$117
Failure to stop at a red light	$694	$116
Failure to yield	$694	$118
Improper passing	$694	$116
Speeding 16 - 20 MPH over limit	$699	$119
Speeding 21 - 25 MPH over limit	$699	$117
Wrong way/wrong lane	$699	$119
Passing school bus	$727	$121
Cell phone violation	$743	$126
Texting while driving	$760	$127
At-fault accident - less than $1000	$776	$132
Open container	$814	$136
Operating a vehicle without permission	$831	$142
At-fault accident - $1000-$2000	$847	$141
At-fault accident - greater than $2000	$858	$146
Racing	$951	$158
Driving with a suspended license	$978	$167
Reckless driving	$978	$163
DUI	$1028	$175
Refusal to submit to a chemical test	$1028	$171
Leaving scene of an accident/hit and run	$1087	$185

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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 Presque Isle 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 Presque Isle.

The cheapest car insurance premiums in Presque Isle are offered by AutoOwners at $235 for a six-month policy. However, it can be as expensive as $1869 with companies like Farmers.

Presque Isle car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$235	$40
Countryway Insurance	$240	$40
Concord Group	$257	$43
Travelers	$415	$70
MMG	$580	$98
Progressive	$580	$98
USAA	$617	$104
State Farm	$781	$132
Concord	$847	$144
Allstate	$1082	$182
Farmers	$1869	$317

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 Presque Isle are offered by Vermont Mutual at $126. However, it can be as expensive as $1470 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Presque Isle after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$126	$21
Concord Group	$180	$30
Travelers	$383	$64
State Farm	$394	$66
USAA	$394	$67
Concord	$580	$97
MMG	$656	$111
Progressive	$792	$132
Allstate	$868	$148
Farmers	$1470	$245

Car Insurance Price Trends in Presque Isle, Maine

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

The average cost of full coverage in the Presque Isle remained steady at $120 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Presque Isle remained steady at $34 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 Presque Isle?

The car insurance in Presque Isle is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Presque Isle?

The cheapest car insurance in Presque Isle is $53 per month for full coverage.

How much is car insurance in Presque Isle for teenagers?

Car insurance for teenagers costs $197 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 Presque Isle?

The average cost of car insurance is $608 for a six-month policy. It will cost around $94 per month to insure your car in Presque Isle.

Is car insurance expensive in Presque Isle?

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

What is the best car insurance in Presque Isle, ME?

The best car insurance company in Presque Isle ME is Concord Group, offering $312 for a six-month policy.