Cheapest Auto Insurance in Maine (2025)
Liability auto insurance rates in Maine start at $40/mo.
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Written bySarah Sharkey
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Edited byAshley Cox
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
Drivers in Maine pay monthly averages of $82 for liability coverage and $149 for full coverage. This is slightly cheaper than the national monthly averages of $105 and $197.
Maine’s coastline stretches over 3,500 miles, and the state has more than 21,000 miles of public highways, which is more than any other New England state. The extensive roadways and risks associated with coastal living may affect car insurance costs.
Here’s what you should know about finding car insurance in the Pine Tree State.
Quick Facts
COUNTRY Financial, NJM, and Auto-Owners have the cheapest average liability insurance in Maine.
Much of Maine is rural, and vehicle collisions with wildlife are common. Between 2017 and 2021, collisions with deer accounted for nearly 17% of the state’s accidents.[1]
Teen drivers in Maine pay averages of $200 per month for liability insurance and $375 for full-coverage insurance.
3 of the cheapest car insurance companies in Maine
Many quality insurance companies do business in Maine. USAA, State Farm, and Travelers emerge as leaders for their consistently low rates across multiple situations, flexible coverage options, and reputation for customer service.
If you’re looking for car insurance in Maine, the companies below are a great place to start your search.
USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $40/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $79/mo |
4.9
Best choiceBased on 1,830 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,054)
Philip
March 23, 2025
Verified Review
Fair
Every couple of years, they raise the premiums and lower the coverage.
Shandra
March 21, 2025
Verified Review
Helpful in Difficult Times
When I was 22, I was hit by a drunk driver. They assisted me in overcoming that difficult situation.
Karen
March 21, 2025
Verified Review
My husband and I have a policy with USSA and our new monthly record has not arrived at our home! The expiration date was 3/15. We need a new record that has been paid for. This is unspeakably rude and dangerous as we are now past due.
My husband and I have a policy with USSA and our new monthly record has not arrived at our home! The expiration date was 3/15. We need a new record that has been paid for. This is unspeakably rude and dangerous as we are now past due.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
884NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
On average, USAA offers some of the most affordable liability-only car insurance policies for Maine drivers. Because USAA only works with active military members, veterans, and their immediate family members, it may be a good option for the 101,000 veterans living in Maine. In addition to good rates, the company boasts relatively high customer satisfaction ratings.
Pros
High customer satisfaction ratings
Affordable rates
Cons
Limited membership eligibility
No customer service available on Sundays
State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $42/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $82/mo |
4.2
Best choiceBased on 10,150 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,597)
Joyce
March 23, 2025
Verified Review
Average
As a senior, I feel that I pay too much for insurance.
Julene
March 23, 2025
Verified Review
I have been a State Farm customer since 1976. I have never been unsatisfied with my State Farm insurance provider.
I have been a State Farm customer since 1976. I have never been unsatisfied with my State Farm insurance provider.
Ramona
March 23, 2025
Verified Review
Good
They pay for claims quickly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
838NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is the largest auto insurer in the country, and it offers some of the cheapest average rates in Maine. Its wide availability, high customer satisfaction ratings, and helpful discounts make State Farm an appealing option for drivers who want to maximize their savings on liability insurance.
Pros
High customer satisfaction ratings
Rideshare coverage option
Cons
Gap insurance not available
Cheaper options available for full coverage
Travelers
| User Reviews | 4.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $73/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $142/mo |
4.7
Best choiceBased on 836 verified guest reviews and ratings
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (438)
Larry
March 23, 2025
Verified Review
Good Company
While their rates continue to rise, they are still more affordable than any other company. Fortunately, I haven't had to file a claim yet.
Arlette
March 22, 2025
Verified Review
Good
The insurance is good but it's too pricey.
William
March 19, 2025
Verified Review
Travelers Survey
I wouldn't recommend filing any claims.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
816NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Travelers offers Maine drivers some of the lowest costs for full-coverage insurance. Through the insurer, you’ll have access to ample coverage options, including roadside assistance, rental coverage, gap insurance, and rideshare coverage. Travelers also offers a number of discounts that can help drivers cut costs, including the ability to bundle home and auto insurance for savings.
Pros
Lengthy list of discounts
Gap insurance available
Cons
Below-average customer satisfaction rating
Poor customer reviews
How to get the cheapest car insurance in Maine
Drivers in the Pine Tree State can’t avoid paying for car insurance. But the good news is that you don’t have to overpay. These strategies can help you lock in cheap car insurance:
Ask for discounts. Discounts are available through most insurance companies. Don’t hesitate to ask if you qualify for the lowest rates.
Shop around. Everyone has a unique situation, which affects your insurance premiums differently at different insurance companies. Shopping around can help you find cheap auto insurance for your situation.
Increase your deductible. Most insurers compensate for a higher deductible with a lower car insurance premium. If a higher deductible for full-coverage insurance fits into your finances, consider raising it.
Bundle insurance products. When you purchase multiple types of insurance through the same insurer, it might offer you a bundling discount.
Find The Best Car Insurance in Maine
Find the cheapest insurance from USAA
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Cheapest liability-only car insurance quotes in Maine: USAA
Liability car insurance covers damages and bodily injuries you cause to other parties during a car accident. This bare-bones insurance option is often the cheapest. But you’ll give up the financial protection that comes with more robust coverage.
For example, after an at-fault accident, your liability insurance policy can help you pay for the medical bills and repair costs of the other party. But if their damages exceed your policy’s liability limits, you could be responsible for the balance. And you’ll be on the hook for any repair costs related to your vehicle and medical expenses.
The average cost of liability insurance is $82 per month. Here’s a closer look at the cheapest companies for liability coverage in Maine:
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company  | Average Monthly Quote |
|---|---|
| USAA | $40 |
| State Farm | $42 |
| Progressive | $51 |
| Safeco | $60 |
| Allstate | $63 |
| GEICO | $63 |
| Liberty Mutual | $68 |
| Travelers | $73 |
| Direct Auto | $75 |
| National General | $79 |
| Dairyland | $81 |
| Foremost | $92 |
| Bristol West | $97 |
| The General | $97 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance quotes in Maine: Progressive
A full-coverage car insurance policy, which includes both comprehensive and collision insurance, provides enhanced financial protection. After an incident, collision coverage can help you pay for repair or replacement costs of your vehicle. And comprehensive coverage can pay for non-accident damages, such as from hail or vandalism.
If you lease or finance your vehicle, your leasing company or lender will require you to carry full coverage. But even drivers who aren’t required to carry this coverage might want to pay for the additional protection.
On average, Maine drivers pay $149 per month for full-coverage insurance. Explore the cheapest car insurance companies for full coverage in Maine below:
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $71 |
| USAA | $79 |
| State Farm | $82 |
| Safeco | $97 |
| Allstate | $123 |
| GEICO | $123 |
| Liberty Mutual | $139 |
| Travelers | $142 |
| Direct Auto | $142 |
| National General | $150 |
| The General | $168 |
| Bristol West | $190 |
| Dairyland | $223 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent car insurance quotes in Maine
Recent Maine car insurance prices for Buick, Chevrolet, Ford , and more.
*Quotes generated for Insurify users within the last 10 days. Last updated on March 24, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 24, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on March 24, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 24, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
When determining premiums, insurance companies often take your age into account.
With minimal experience behind the wheel, teen drivers represent a risk to auto insurance companies. Most young drivers face higher premiums than their more mature counterparts.
Most drivers will see falling car insurance premiums between ages 25 and 35, which can continue for decades. But around age 70, average rates tend to increase gradually. As a senior driver, you may face higher auto insurance costs.
Age GroupAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageTeen drivers $166 $302 Adult drivers $71 $129 Senior drivers $62 $113 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Maine
Maine requires drivers to carry a minimum level of liability car insurance:[2]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $50,000 per person / $100,000 per accident |
| Property damage liability | $25,000 |
| Uninsured/underinsured motorist coverage | $50,000 per person / $100,000 per accident |
| Medical payments coverage | At least $2,000 per person |
Cheapest car insurance in Maine by driving record
It’s easy to make mistakes on the road. But a mistake can lead to increased car insurance costs.
People with a clean driving record pay less for car insurance than people with a driving violation, including speeding tickets, driving under the influence (DUI), and at-fault accidents. In general, the severity of the offense affects just how much your rate will increase.
The average cost of car insurance in Maine for drivers with a past incident on their record is $115 per month for liability insurance and $208 for full-coverage insurance. See how different driving incidents affect Maine auto insurance costs below.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | With Speeding Ticket | With At-Fault Accident | With DUI/DWI |
|---|---|---|---|
| USAA | $60 | $58 | $69 |
| State Farm | $62 | $60 | $72 |
| Progressive | $76 | $75 | $88 |
| Safeco | $91 | $89 | $100 |
| Allstate | $94 | $91 | $109 |
| GEICO | $94 | $91 | $109 |
| Liberty Mutual | $107 | $104 | $117 |
| Travelers | $110 | $106 | $126 |
| Direct Auto | $112 | $111 | $129 |
| National General | $118 | $113 | $136 |
| Dairyland | $120 | $116 | $140 |
| Foremost | $145 | $140 | $159 |
| Bristol West | $146 | $141 | $167 |
| The General | $149 | $144 | $167 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Maine
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Maine car insurance FAQs
Maine drivers face some unique challenges on the road, considering the state’s rural areas, coastal region, and abundant wildlife. Road conditions factor into car insurance rates, and you should take them into account when shopping for car insurance.
Here’s some additional information on Maine car insurance to help.
The cost of liability car insurance in Maine is $82 per month and $990 annually. On average, a full-coverage policy in the state costs $149 per month and $1,784 per year. How much you pay for coverage will depend on your driving record, credit history, age, chosen coverage, and more.
USAA has the cheapest average liability insurance cost in Maine at $40 per month. With respective average liability coverage rates of $42 and $51 per month, State Farm and Progressive also offer some of the cheapest insurance in Maine.
Travelers, USAA, and State Farm are among the best insurers for Maine drivers. State Farm has an Insurify Quality (IQ) Score of 9.3, while USAA and Travelers have scores of 9.4 and 9.0, respectively. The score reflects a company’s overall quality, customer service, and affordability.
Yes. Maine requires all drivers to carry a minimum level of car insurance. The state’s requirements are a bit more robust than in some other states. In addition to a minimum amount of liability coverage, Maine also requires drivers to carry uninsured/underinsured motorist coverage and medical payments coverage.
No. Maine is an at-fault state. A driver who causes an accident will be responsible for paying for damages and medical costs of the other drivers and their passengers. Insured drivers can rely on their liability coverage to pay at least some, if not all, of the costs they’re liable for — up to their policy’s coverage limits.
Uninsured drivers, or drivers whose liability limits fall short of the damage amount they’re liable for, could be on the hook to pay for some or all of the damages out of pocket.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Maine Department of Transportation. "State of Maine Highway Crash Statistics."
- Maine Bureau of Insurance. "Insurance Required by Law."
)
Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Sarah has been a contributor at Insurify since September 2022.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.