Cheapest Car Insurance Quotes in Steep Falls

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Steep Falls 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 Steep Falls

The car insurance rate in Steep Falls is $608 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $339, making it a popular choice for budget-conscious drivers. Rates in Steep Falls 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 Steep Falls

$608

Avg. Car Insurance in Maine

$608

National Average

$1140

Cheapest Car Insurance Companies in Steep Falls

1st place: Concord Group

At $339 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 $416 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 $434 for six months, making it the third cheapest auto insurance company in Steep Falls.

Steep Falls Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Steep Falls, ME is Concord Group, offering policies at just $339 for a six-month term. This is followed by Travelers, which has an average six-month premium of $416.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $915 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Steep Falls drivers find the best deals.

Cheap Car Insurance Companies in Steep Falls, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$339	$58
Travelers	$416	$70
Vermont Mutual	$434	$73
USAA	$451	$76
Concord	$546	$93
Auto-Owners	$552	$92
Progressive	$647	$109
MMG	$683	$115
State Farm	$826	$139
Allstate	$885	$149
Farmers	$915	$156

Key Takeaways

Way's key takeaways about car insurance in Steep Falls

The auto insurance costs in Steep Falls fall around $339 for six months.
The cheapest auto insurance company in Steep Falls is USAA.
Teen drivers pay the highest rate in Steep Falls at $567 per month.

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Cheapest Minimum Liability Car Insurance in Steep Falls

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 Steep Falls are given below.

USAA provides the cheapest minimum car insurance coverage in Steep Falls. Their Average 6 Month Premium is $149. Electric is the most expensive at $220 for the same period.

Cheapest Liability Coverage in Steep Falls, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$149	$25
Auto-Owners	$154	$26
Vermont Mutual	$154	$26
Concord Group	$172	$29
MMG	$172	$29
Frankenmuth	$184	$31
Travelers	$214	$36
State Farm	$261	$44
Concord	$273	$46
Farmers	$291	$49
Progressive	$315	$53
Allstate	$350	$59
Electric	$220	$37

Cheapest Full Coverage Car Insurance in Steep Falls

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 Steep Falls is Concord Group at $58 per month and $339 for six months.

Cheapest Full Coverage Car Insurance Quotes in Steep Falls, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$339	$58
Travelers	$416	$70
Vermont Mutual	$434	$73
USAA	$451	$76
Concord	$546	$93
Auto-Owners	$552	$92
Progressive	$647	$109
MMG	$683	$115
State Farm	$826	$139
Allstate	$885	$149
Farmers	$915	$156

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Average Car Insurance in Steep Falls 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 Steep Falls, ME increasing?

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

Car Insurance Premiums by Age in Steep Falls

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 Steep Falls,ME

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners provides the cheapest car insurance in the Steep Falls at $36 per month. At $3332 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$214	$36
Concord Group	$238	$40
Vermont Mutual	$238	$40
Patriot Insurance	$261	$44
Countryway Insurance	$267	$45
Travelers	$689	$116
USAA	$843	$142
Concord	$1129	$188
MMG	$1752	$298
State Farm	$1895	$319
Allstate	$2388	$402
Progressive	$2501	$421
Farmers	$3332	$567

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 Steep Falls, Concord Group is the cheapest car insurance provider. At $273 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 Steep Falls is Farmers, offering rates of around $2827 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$273	$46
Countryway Insurance	$309	$53
Vermont Mutual	$333	$55
Travelers	$505	$85
USAA	$618	$103
Allstate	$826	$139
MMG	$867	$145
Concord	$956	$163
Progressive	$1123	$187
State Farm	$2424	$412
Farmers	$2827	$471

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Car Insurance Rates with An Accident in Steep Falls

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

Cheapest Car Insurance Companies after an At-Fault Accident in Steep Falls

The cheapest car insurance companies after an at-fault accident in Steep Falls include Vermont Mutual and AutoOwners, offering $154 and $244, respectively. Farmers is an expensive provider with an average six-month premium of $1859.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$154	$26
Auto-Owners	$244	$41
Patriot Insurance	$244	$41
Concord Group	$249	$42
Electric	$321	$53
MMG	$416	$70
Travelers	$428	$72
USAA	$428	$72
State Farm	$689	$116
Concord	$861	$146
Progressive	$1140	$192
Allstate	$1194	$201
Farmers	$1859	$310

Steep Falls Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Steep Falls ME. For example, the car insurance in Steep Falls after a DUI increases to $505 for a six month policy. While the rate increases by $131 for a six-month policy in the case of a speeding ticket.

Steep Falls auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$612	$102
One Med/PIP claim	$618	$105
Two Med/PIP claims	$647	$108
One comp claim	$653	$111
Not-at-fault accident	$659	$110
Driving without lights	$695	$118
Failure to show documents	$701	$117
Failure to wear a seat belt	$707	$120
Child safety restraint	$713	$119
Two comp claims	$725	$123
Driving with expired registration	$737	$123
Driving too slowly	$743	$126
Speeding 11 - 15 MPH over limit	$743	$124
Speeding 6 - 10 MPH over limit	$743	$126
Speeding in school zone	$743	$124
Following too closely	$748	$127
Illegal turn	$748	$125
In 65 MPH zone	$748	$127
Failure to stop at a red light	$754	$126
Failure to yield	$754	$128
Improper passing	$754	$126
Speeding 16 - 20 MPH over limit	$760	$129
Speeding 21 - 25 MPH over limit	$760	$127
Wrong way/wrong lane	$760	$129
Passing school bus	$790	$132
Cell phone violation	$808	$137
Texting while driving	$826	$138
At-fault accident - less than $1000	$843	$143
Open container	$885	$148
Operating a vehicle without permission	$903	$154
At-fault accident - $1000-$2000	$921	$153
At-fault accident - greater than $2000	$933	$159
Racing	$1034	$172
Driving with a suspended license	$1063	$181
Reckless driving	$1063	$177
DUI	$1117	$190
Refusal to submit to a chemical test	$1117	$186
Leaving scene of an accident/hit and run	$1182	$201

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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 Steep Falls 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 Steep Falls.

The cheapest car insurance premiums in Steep Falls are offered by AutoOwners at $255 for a six-month policy. However, it can be as expensive as $2031 with companies like Farmers.

Steep Falls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$255	$43
Countryway Insurance	$261	$44
Concord Group	$279	$47
Travelers	$451	$76
MMG	$630	$106
Progressive	$630	$106
USAA	$671	$113
State Farm	$849	$143
Concord	$921	$157
Allstate	$1176	$198
Farmers	$2031	$345

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 Steep Falls are offered by Vermont Mutual at $137. However, it can be as expensive as $1598 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Steep Falls after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$137	$23
Concord Group	$196	$33
Travelers	$416	$70
State Farm	$428	$72
USAA	$428	$73
Concord	$630	$105
MMG	$713	$121
Progressive	$861	$144
Allstate	$944	$161
Farmers	$1598	$266

Car Insurance Price Trends in Steep Falls, Maine

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

The average cost of full coverage in the Steep Falls remained steady at $130 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Steep Falls remained steady at $37 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 Steep Falls?

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

What is the cheapest car insurance in Steep Falls?

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

How much is car insurance in Steep Falls for teenagers?

Car insurance for teenagers costs $214 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 Steep Falls?

The average cost of car insurance is $608 for a six-month policy. It will cost around $102 per month to insure your car in Steep Falls.

Is car insurance expensive in Steep Falls?

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

What is the best car insurance in Steep Falls, ME?

The best car insurance company in Steep Falls ME is Concord Group, offering $339 for a six-month policy.