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Finding the cheapest car insurance quotes in Searsmont 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 Searsmont
The car insurance rate in Searsmont is $614 for a six-month policy, which is $6 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $342, making it a popular choice for budget-conscious drivers. Rates in Searsmont 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 $342 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 $420 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 $438
for six months, making it
the third cheapest auto insurance company in Searsmont.
Searsmont Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Searsmont, ME is Concord Group, offering policies at just $342 for a six-month term. This is followed by Travelers, which has an average six-month premium of $420.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $924 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Searsmont drivers find the best deals.
Way's key takeaways about car insurance in Searsmont
The auto insurance costs in Searsmont fall around $342 for six
months.
The cheapest auto insurance company in Searsmont is USAA.
Teen drivers pay the highest rate in Searsmont at $573 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 Searsmont
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 Searsmont are given below.
USAA provides
the cheapest minimum car insurance
coverage in Searsmont. Their Average 6 Month Premium is $150.
Electric is the most
expensive at $222 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 Searsmont is Concord Group
at $59 per month and $342
for six months.
Cheapest Full Coverage Car Insurance Quotes in Searsmont,
ME
Get Your Car Insurance Quote in Searsmont
Instantly!
Average Car Insurance in Searsmont 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 Searsmont, ME increasing?
Despite maintaining a clean driving record, your car insurance rates
in Searsmont, 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, Searsmont's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Searsmont
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
Searsmont,ME
If you are planning to get a car insurance policy for your teenage
dependent, AutoOwners provides the cheapest car
insurance in the Searsmont at $36
per
month. At $3365 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 Searsmont.
As young drivers face the highest rates in Searsmont, 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 Searsmont,
Concord Group is
the cheapest car insurance provider. At $276 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
Searsmont is Farmers, offering
rates of around $2855 for six
months.
Save up to $971/yr on car insurance rates in Searsmont.
Car Insurance Rates with An Accident in Searsmont
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 Searsmont, ME,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Searsmont
The cheapest car insurance companies after an at-fault accident in
Searsmont include Vermont Mutual
and AutoOwners, offering $156
and $246,
respectively. Farmers is an expensive provider
with an average six-month premium of
$1878.
Here is a list of driving violations that can increase your car
insurance rates in Searsmont ME. For example, the car
insurance in Searsmont
after a DUI increases to $510 for a six
month policy. While the rate increases by $132 for a six-month policy in the case of
a speeding ticket.
Searsmont auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$618
$103
One Med/PIP claim
$624
$106
Two Med/PIP claims
$653
$109
One comp claim
$660
$112
Not-at-fault accident
$666
$111
Driving without lights
$702
$119
Failure to show documents
$708
$118
Failure to wear a seat belt
$714
$121
Child safety restraint
$720
$120
Two comp claims
$732
$124
Driving with expired registration
$744
$124
Driving too slowly
$750
$127
Speeding 11 - 15 MPH over limit
$750
$125
Speeding 6 - 10 MPH over limit
$750
$127
Speeding in school zone
$750
$125
Following too closely
$755
$128
Illegal turn
$755
$126
In 65 MPH zone
$755
$128
Failure to stop at a red light
$762
$127
Failure to yield
$762
$129
Improper passing
$762
$127
Speeding 16 - 20 MPH over limit
$768
$130
Speeding 21 - 25 MPH over limit
$768
$128
Wrong way/wrong lane
$768
$130
Passing school bus
$798
$133
Cell phone violation
$816
$138
Texting while driving
$834
$139
At-fault accident - less than $1000
$851
$144
Open container
$894
$149
Operating a vehicle without permission
$912
$156
At-fault accident - $1000-$2000
$930
$155
At-fault accident - greater than $2000
$942
$161
Racing
$1044
$174
Driving with a suspended license
$1074
$183
Reckless driving
$1074
$179
DUI
$1128
$192
Refusal to submit to a chemical test
$1128
$188
Leaving scene of an accident/hit and run
$1194
$203
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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 Searsmont 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 Searsmont.
The cheapest car insurance premiums in
Searsmont are
offered by AutoOwners at $258 for a six-month policy.
However, it can be as
expensive as $2051 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 Searsmont are offered by Vermont Mutual
at $138. However,
it can be as expensive as $1614
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Searsmont after Speeding ticket
Car insurance rates in Searsmont have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Searsmont remained steady at $131 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Searsmont remained steady at $37 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Searsmont 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
Searsmont. At $1228 for a
six-month policy, insuring
your car at 4973 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 Searsmont?
The car insurance in Searsmont is $25 per month, which is lower than the national average.
What is the cheapest car insurance in Searsmont?
The cheapest car insurance in Searsmont
is $59 per month
for full coverage.
How much is car insurance in Searsmont for teenagers?
Car insurance for teenagers costs $216 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
Searsmont?
The average cost of car insurance is $608 for a six-month
policy. It will cost around $103 per month to insure your
car in Searsmont.
Is car insurance expensive in Searsmont?
Car insurance can be expensive in Searsmont if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Searsmont can be
affordable.
What is the best car insurance in Searsmont,
ME?
The best car insurance company in Searsmont
ME is
Concord Group, offering $342 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Searsmont, ME
Car Insurance Rates by State in the USA (2025 Update)
Searsmont Car Insurance
