Cheapest Car Insurance Quotes in South Portland

Finding the cheapest car insurance quotes in South Portland 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.

Enter your zip code to get personalized rates.

Featured in

401,895 Policies Sold

South Portland Car Insurance

^$ 24

/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 Portland

The car insurance rate in South Portland is $584 for a six-month policy, which is $24 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $325, making it a popular choice for budget-conscious drivers. Rates in South 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 South Portland

$584

Avg. Car Insurance in Maine

$608

National Average

$1140

Cheapest Car Insurance Companies in South Portland

1st place: Concord Group

At $325 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 $399 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 $417 for six months, making it the third cheapest auto insurance company in South Portland.

South Portland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Portland, ME is Concord Group, offering policies at just $325 for a six-month term. This is followed by Travelers, which has an average six-month premium of $399.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $878 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Portland drivers find the best deals.

Cheap Car Insurance Companies in South Portland, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$325	$56
Travelers	$399	$67
Vermont Mutual	$417	$70
USAA	$433	$73
Concord	$524	$89
Auto-Owners	$530	$88
Progressive	$621	$105
MMG	$656	$110
State Farm	$793	$133
Allstate	$850	$143
Farmers	$878	$150

Key Takeaways

Way's key takeaways about car insurance in South Portland

The auto insurance costs in South Portland fall around $325 for six months.
The cheapest auto insurance company in South Portland is USAA.
Teen drivers pay the highest rate in South Portland at $544 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 South 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 South Portland are given below.

USAA provides the cheapest minimum car insurance coverage in South Portland. Their Average 6 Month Premium is $143. Electric is the most expensive at $211 for the same period.

Cheapest Liability Coverage in South Portland, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$143	$24
Auto-Owners	$148	$25
Vermont Mutual	$148	$25
Concord Group	$165	$28
MMG	$165	$28
Frankenmuth	$177	$30
Travelers	$205	$35
State Farm	$251	$42
Concord	$262	$44
Farmers	$279	$47
Progressive	$302	$51
Allstate	$336	$57
Electric	$211	$36

Cheapest Full Coverage Car Insurance in South 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 South Portland is Concord Group at $56 per month and $325 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Portland, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$325	$56
Travelers	$399	$67
Vermont Mutual	$417	$70
USAA	$433	$73
Concord	$524	$89
Auto-Owners	$530	$88
Progressive	$621	$105
MMG	$656	$110
State Farm	$793	$133
Allstate	$850	$143
Farmers	$878	$150

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in South Portland Instantly!

Average Car Insurance in South 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 South Portland, ME increasing?

Despite maintaining a clean driving record, your car insurance rates in South 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, South 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 South 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

undefined

Cheapest Car Insurance Rates for Teen Drivers in South Portland,ME

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners provides the cheapest car insurance in the South Portland at $35 per month. At $3199 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$205	$35
Concord Group	$228	$38
Vermont Mutual	$228	$38
Patriot Insurance	$251	$42
Countryway Insurance	$256	$43
Travelers	$661	$111
USAA	$809	$136
Concord	$1084	$180
MMG	$1682	$286
State Farm	$1819	$306
Allstate	$2292	$386
Progressive	$2401	$404
Farmers	$3199	$544

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 Portland, Concord Group is the cheapest car insurance provider. At $262 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 Portland is Farmers, offering rates of around $2714 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$262	$44
Countryway Insurance	$297	$51
Vermont Mutual	$320	$53
Travelers	$485	$82
USAA	$593	$99
Allstate	$793	$133
MMG	$832	$139
Concord	$918	$156
Progressive	$1078	$180
State Farm	$2327	$396
Farmers	$2714	$452

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in South Portland.

Car Insurance Rates with An Accident in South 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 South Portland, ME, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in South Portland include Vermont Mutual and AutoOwners, offering $148 and $234, respectively. Farmers is an expensive provider with an average six-month premium of $1785.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$148	$25
Auto-Owners	$234	$39
Patriot Insurance	$234	$39
Concord Group	$239	$40
Electric	$308	$51
MMG	$399	$67
Travelers	$411	$69
USAA	$411	$69
State Farm	$661	$111
Concord	$827	$140
Progressive	$1094	$184
Allstate	$1146	$193
Farmers	$1785	$298

South Portland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Portland ME. For example, the car insurance in South Portland after a DUI increases to $484 for a six month policy. While the rate increases by $125 for a six-month policy in the case of a speeding ticket.

South Portland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$588	$98
One Med/PIP claim	$593	$101
Two Med/PIP claims	$621	$104
One comp claim	$627	$107
Not-at-fault accident	$633	$106
Driving without lights	$667	$113
Failure to show documents	$673	$112
Failure to wear a seat belt	$679	$115
Child safety restraint	$684	$114
Two comp claims	$696	$118
Driving with expired registration	$708	$118
Driving too slowly	$713	$121
Speeding 11 - 15 MPH over limit	$713	$119
Speeding 6 - 10 MPH over limit	$713	$121
Speeding in school zone	$713	$119
Following too closely	$718	$122
Illegal turn	$718	$120
In 65 MPH zone	$718	$122
Failure to stop at a red light	$724	$121
Failure to yield	$724	$123
Improper passing	$724	$121
Speeding 16 - 20 MPH over limit	$730	$124
Speeding 21 - 25 MPH over limit	$730	$122
Wrong way/wrong lane	$730	$124
Passing school bus	$758	$127
Cell phone violation	$776	$132
Texting while driving	$793	$132
At-fault accident - less than $1000	$809	$137
Open container	$850	$142
Operating a vehicle without permission	$867	$148
At-fault accident - $1000-$2000	$884	$147
At-fault accident - greater than $2000	$896	$153
Racing	$993	$165
Driving with a suspended license	$1020	$174
Reckless driving	$1020	$170
DUI	$1072	$182
Refusal to submit to a chemical test	$1072	$179
Leaving scene of an accident/hit and run	$1135	$193

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 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 South Portland.

The cheapest car insurance premiums in South Portland are offered by AutoOwners at $245 for a six-month policy. However, it can be as expensive as $1950 with companies like Farmers.

South Portland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$245	$41
Countryway Insurance	$251	$42
Concord Group	$268	$45
Travelers	$433	$73
MMG	$605	$102
Progressive	$605	$102
USAA	$644	$108
State Farm	$815	$137
Concord	$884	$151
Allstate	$1129	$190
Farmers	$1950	$331

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 Portland are offered by Vermont Mutual at $132. However, it can be as expensive as $1534 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in South Portland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$132	$22
Concord Group	$188	$32
Travelers	$399	$67
State Farm	$411	$69
USAA	$411	$70
Concord	$605	$101
MMG	$684	$116
Progressive	$827	$138
Allstate	$906	$155
Farmers	$1534	$255

Car Insurance Price Trends in South Portland, Maine

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

The average cost of full coverage in the South Portland remained steady at $125 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the South Portland remained steady at $36 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in South Portland?

The car insurance in South Portland is $24 per month, which is lower than the national average.

What is the cheapest car insurance in South Portland?

The cheapest car insurance in South Portland is $56 per month for full coverage.

How much is car insurance in South Portland for teenagers?

Car insurance for teenagers costs $205 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 Portland?

The average cost of car insurance is $608 for a six-month policy. It will cost around $98 per month to insure your car in South Portland.

Is car insurance expensive in South Portland?

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

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

The best car insurance company in South Portland ME is Concord Group, offering $325 for a six-month policy.