Cheapest Car Insurance Quotes in South Berwick

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South Berwick Car Insurance

^$ 26

/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 South Berwick

The car insurance rate in South Berwick is $712 for a six-month policy, which is $47 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $363, making it a popular choice for budget-conscious drivers. Rates in South Berwick 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 South Berwick

$712

Avg. Car Insurance in Maine

$665

National Average

$1278

Cheapest Car Insurance Companies in South Berwick

1st place: Concord Group

At $363 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 $458 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 $464 for six months, making it the third cheapest auto insurance company in South Berwick.

South Berwick Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Berwick, ME is Concord Group, offering policies at just $363 for a six-month term. This is followed by Travelers, which has an average six-month premium of $458.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1189 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Berwick drivers find the best deals.

Cheap Car Insurance Companies in South Berwick, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$363	$60
Travelers	$458	$77
Vermont Mutual	$464	$78
USAA	$502	$85
Auto-Owners	$591	$98
Progressive	$712	$120
MMG	$782	$132
Concord	$826	$140
Allstate	$941	$158
State Farm	$1005	$169
Farmers	$1189	$198

Key Takeaways

Way's key takeaways about car insurance in South Berwick

The auto insurance costs in South Berwick fall around $363 for six months.
The cheapest auto insurance company in South Berwick is MMG.
Teen drivers pay the highest rate in South Berwick at $732 per month.

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Cheapest Minimum Liability Car Insurance in South Berwick

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 South Berwick are given below.

MMG provides the cheapest minimum car insurance coverage in South Berwick. Their Average 6 Month Premium is $153. Electric is the most expensive at $235 for the same period.

Cheapest Liability Coverage in South Berwick, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
MMG	$153	$26
USAA	$159	$27
Auto-Owners	$165	$28
Vermont Mutual	$165	$28
Concord Group	$184	$31
Frankenmuth	$197	$33
Travelers	$223	$37
Progressive	$266	$45
State Farm	$286	$48
Allstate	$350	$59
Concord	$292	$49
Farmers	$311	$52
Electric	$235	$40

Cheapest Full Coverage Car Insurance in South Berwick

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 South Berwick is Concord Group at $60 per month and $363 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Berwick, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$363	$60
Travelers	$458	$77
Vermont Mutual	$464	$78
USAA	$502	$85
Auto-Owners	$591	$98
Progressive	$712	$120
MMG	$782	$132
Concord	$826	$140
Allstate	$941	$158
State Farm	$1005	$169
Farmers	$1189	$198

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Average Car Insurance in South Berwick 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 South Berwick, ME increasing?

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

Car Insurance Premiums by Age in South Berwick

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 South Berwick,ME

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners provides the cheapest car insurance in the South Berwick at $39 per month. At $4392 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$229	$39
Concord Group	$255	$43
Vermont Mutual	$255	$43
Patriot Insurance	$279	$47
Countryway Insurance	$286	$48
Travelers	$800	$135
USAA	$966	$163
Concord	$1634	$272
MMG	$2155	$366
State Farm	$2409	$406
Allstate	$2542	$428
Progressive	$2733	$460
Sentry	$3051	$519
Farmers	$4392	$732

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 South Berwick, Concord Group is the cheapest car insurance provider. At $292 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 South Berwick is State Farm, offering rates of around $4157 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$292	$49
Countryway Insurance	$331	$57
Vermont Mutual	$356	$59
Travelers	$584	$98
USAA	$789	$132
Allstate	$877	$148
MMG	$1068	$178
Progressive	$1226	$209
Concord	$1449	$242
Sentry	$1710	$291
Farmers	$3769	$628
State Farm	$4157	$707

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Car Insurance Rates with An Accident in South Berwick

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

Cheapest Car Insurance Companies after an At-Fault Accident in South Berwick

The cheapest car insurance companies after an at-fault accident in South Berwick include Vermont Mutual and AutoOwners, offering $165 and $261, respectively. Farmers is an expensive provider with an average six-month premium of $2460.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$165	$28
Auto-Owners	$261	$44
Patriot Insurance	$261	$44
Concord Group	$266	$45
Electric	$343	$57
Travelers	$477	$80
USAA	$483	$81
MMG	$502	$85
State Farm	$858	$144
Progressive	$1265	$213
Concord	$1297	$216
Allstate	$1442	$243
Sentry	$1557	$260
Farmers	$2460	$418

South Berwick Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Berwick ME. For example, the car insurance in South Berwick after a DUI increases to $540 for a six month policy. While the rate increases by $140 for a six-month policy in the case of a speeding ticket.

South Berwick auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$655	$109
One Med/PIP claim	$661	$112
Two Med/PIP claims	$692	$116
One comp claim	$699	$119
Not-at-fault accident	$705	$118
Driving without lights	$744	$126
Failure to show documents	$750	$125
Failure to wear a seat belt	$756	$128
Child safety restraint	$763	$127
Two comp claims	$776	$132
Driving with expired registration	$789	$132
Driving too slowly	$795	$135
Speeding 11 - 15 MPH over limit	$795	$133
Speeding 6 - 10 MPH over limit	$795	$135
Speeding in school zone	$795	$133
Following too closely	$800	$136
Illegal turn	$800	$134
In 65 MPH zone	$800	$136
Failure to stop at a red light	$807	$135
Failure to yield	$807	$137
Improper passing	$807	$135
Speeding 16 - 20 MPH over limit	$813	$138
Speeding 21 - 25 MPH over limit	$813	$136
Wrong way/wrong lane	$813	$138
Passing school bus	$845	$141
Cell phone violation	$865	$147
Texting while driving	$884	$148
At-fault accident - less than $1000	$902	$153
Open container	$947	$158
Operating a vehicle without permission	$966	$165
At-fault accident - $1000-$2000	$985	$164
At-fault accident - greater than $2000	$998	$170
Racing	$1106	$184
Driving with a suspended license	$1137	$194
Reckless driving	$1137	$189
DUI	$1195	$203
Refusal to submit to a chemical test	$1195	$199
Leaving scene of an accident/hit and run	$1265	$215

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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 South Berwick 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 South Berwick.

The cheapest car insurance premiums in South Berwick are offered by AutoOwners at $273 for a six-month policy. However, it can be as expensive as $5346 with companies like Sentry.

South Berwick car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$273	$46
Countryway Insurance	$279	$47
Concord Group	$299	$50
Travelers	$508	$86
Progressive	$724	$122
MMG	$756	$127
USAA	$769	$129
State Farm	$1150	$194
Allstate	$1252	$211
Concord	$1392	$236
Farmers	$2822	$471
Sentry	$5346	$908

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 South Berwick are offered by Vermont Mutual at $147. However, it can be as expensive as $1868 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in South Berwick after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$147	$25
Concord Group	$210	$35
Travelers	$489	$82
USAA	$540	$92
State Farm	$661	$111
MMG	$890	$151
Progressive	$1049	$174
Concord	$1074	$183
Allstate	$1182	$197
Sentry	$1316	$224
Farmers	$1868	$311

Car Insurance Price Trends in South Berwick, Maine

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

The average cost of full coverage in the South Berwick rose by $164 in February compared to $139 of January. In other words, there has been an increase by $25 when you compare February and January.

The average cost of liability insurance in the South Berwick dipped to $36 in February, compared to $40 in January. This represents an decrease of $4 when comparing February and January.

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Frequently Asked Questions

How much is car insurance in South Berwick?

The car insurance in South Berwick is $26 per month, which is lower than the national average.

What is the cheapest car insurance in South Berwick?

The cheapest car insurance in South Berwick is $60 per month for full coverage.

How much is car insurance in South Berwick for teenagers?

Car insurance for teenagers costs $229 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 South Berwick?

The average cost of car insurance is $665 for a six-month policy. It will cost around $119 per month to insure your car in South Berwick.

Is car insurance expensive in South Berwick?

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

What is the best car insurance in South Berwick, ME?

The best car insurance company in South Berwick ME is Concord Group, offering $363 for a six-month policy.