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 $705 for a six-month policy, which is $40 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $359, 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

$705

Avg. Car Insurance in Maine

$665

National Average

$1278

Cheapest Car Insurance Companies in Steep Falls

1st place: Concord Group

At $359 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 $454 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 $460 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 $359 for a six-month term. This is followed by Travelers, which has an average six-month premium of $454.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1178 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	$359	$59
Travelers	$454	$76
Vermont Mutual	$460	$77
USAA	$497	$84
Auto-Owners	$585	$98
Progressive	$705	$119
MMG	$775	$130
Concord	$818	$139
Allstate	$932	$157
State Farm	$995	$167
Farmers	$1178	$196

Key Takeaways

Way's key takeaways about car insurance in Steep Falls

The auto insurance costs in Steep Falls fall around $359 for six months.
The cheapest auto insurance company in Steep Falls is MMG.
Teen drivers pay the highest rate in Steep Falls at $725 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.

MMG provides the cheapest minimum car insurance coverage in Steep Falls. Their Average 6 Month Premium is $152. Electric is the most expensive at $233 for the same period.

Cheapest Liability Coverage in Steep Falls, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
MMG	$152	$25
USAA	$158	$27
Auto-Owners	$163	$28
Vermont Mutual	$163	$28
Concord Group	$182	$31
Frankenmuth	$195	$33
Travelers	$220	$37
Progressive	$264	$45
State Farm	$283	$48
Allstate	$347	$58
Concord	$289	$49
Farmers	$308	$52
Electric	$233	$39

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 $59 per month and $359 for six months.

Cheapest Full Coverage Car Insurance Quotes in Steep Falls, ME

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$359	$59
Travelers	$454	$76
Vermont Mutual	$460	$77
USAA	$497	$84
Auto-Owners	$585	$98
Progressive	$705	$119
MMG	$775	$130
Concord	$818	$139
Allstate	$932	$157
State Farm	$995	$167
Farmers	$1178	$196

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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 $38 per month. At $4351 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$227	$38
Concord Group	$252	$42
Vermont Mutual	$252	$42
Patriot Insurance	$277	$47
Countryway Insurance	$283	$48
Travelers	$793	$134
USAA	$957	$161
Concord	$1619	$269
MMG	$2135	$363
State Farm	$2386	$402
Allstate	$2519	$424
Progressive	$2707	$456
Sentry	$3022	$514
Farmers	$4351	$725

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 $289 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 State Farm, offering rates of around $4118 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$289	$49
Countryway Insurance	$328	$56
Vermont Mutual	$353	$58
Travelers	$579	$98
USAA	$781	$130
Allstate	$869	$146
MMG	$1058	$176
Progressive	$1215	$207
Concord	$1435	$240
Sentry	$1694	$288
Farmers	$3733	$622
State Farm	$4118	$701

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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 $163 and $259, respectively. Farmers is an expensive provider with an average six-month premium of $2437.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$163	$28
Auto-Owners	$259	$43
Patriot Insurance	$259	$43
Concord Group	$264	$45
Electric	$340	$56
Travelers	$473	$80
USAA	$478	$81
MMG	$497	$84
State Farm	$850	$143
Progressive	$1253	$211
Concord	$1285	$214
Allstate	$1429	$241
Sentry	$1542	$258
Farmers	$2437	$414

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 $535 for a six month policy. While the rate increases by $139 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	$649	$108
One Med/PIP claim	$655	$111
Two Med/PIP claims	$686	$114
One comp claim	$692	$118
Not-at-fault accident	$699	$117
Driving without lights	$737	$125
Failure to show documents	$743	$124
Failure to wear a seat belt	$749	$127
Child safety restraint	$756	$126
Two comp claims	$769	$130
Driving with expired registration	$781	$130
Driving too slowly	$788	$134
Speeding 11 - 15 MPH over limit	$788	$131
Speeding 6 - 10 MPH over limit	$788	$134
Speeding in school zone	$788	$131
Following too closely	$793	$135
Illegal turn	$793	$133
In 65 MPH zone	$793	$135
Failure to stop at a red light	$799	$134
Failure to yield	$799	$136
Improper passing	$799	$134
Speeding 16 - 20 MPH over limit	$806	$137
Speeding 21 - 25 MPH over limit	$806	$135
Wrong way/wrong lane	$806	$137
Passing school bus	$837	$140
Cell phone violation	$856	$145
Texting while driving	$876	$146
At-fault accident - less than $1000	$894	$152
Open container	$938	$157
Operating a vehicle without permission	$957	$163
At-fault accident - $1000-$2000	$976	$162
At-fault accident - greater than $2000	$989	$169
Racing	$1096	$182
Driving with a suspended license	$1127	$192
Reckless driving	$1127	$188
DUI	$1184	$201
Refusal to submit to a chemical test	$1184	$197
Leaving scene of an accident/hit and run	$1253	$213

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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 $270 for a six-month policy. However, it can be as expensive as $5296 with companies like Sentry.

Steep Falls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$270	$46
Countryway Insurance	$277	$47
Concord Group	$296	$50
Travelers	$504	$85
Progressive	$718	$121
MMG	$749	$126
USAA	$762	$128
State Farm	$1140	$192
Allstate	$1240	$209
Concord	$1379	$234
Farmers	$2795	$466
Sentry	$5296	$900

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 $145. However, it can be as expensive as $1851 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	$145	$24
Concord Group	$208	$35
Travelers	$484	$82
USAA	$535	$91
State Farm	$655	$110
MMG	$882	$149
Progressive	$1039	$173
Concord	$1064	$181
Allstate	$1171	$195
Sentry	$1304	$222
Farmers	$1851	$308

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 rose by $162 in February compared to $138 of January. In other words, there has been an increase by $24 when you compare February and January.

The average cost of liability insurance in the Steep Falls dipped to $36 in February, compared to $39 in January. This represents an decrease of $3 when comparing February and January.

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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 $59 per month for full coverage.

How much is car insurance in Steep Falls for teenagers?

Car insurance for teenagers costs $227 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 $665 for a six-month policy. It will cost around $118 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 $359 for a six-month policy.