Cheapest Car Insurance Quotes in Maine

Cheapest car insurance quotes in Maine 

USAA, State Farm, and GEICO offer the cheapest car insurance in Maine.

The table below shows the lowest rates in Maine for liability insurance and full coverage. The quotes are based on Maine drivers with a clean driving record, good-to-excellent credit, and no recent claims.

The below rates in Maine are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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: Liability Only	Average Monthly Quote: Full Coverage
USAA	$38	$72
State Farm	$40	$75
GEICO	$54	$91
Safeco	$69	$108
Travelers	$69	$131
Allstate	$72	$142
Direct Auto	$76	$151
National General	$84	$169
Liberty Mutual	$90	$132
Bristol West	$92	$181
Dairyland	$93	$245
The General	$93	$188

Disclaimer: Table data sourced from real-time Maine car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Maine may vary based on the policy buyer's unique driver profile.

Best-rated insurance companies in Maine 

To help you find the best insurance companies in Maine, we’ve put together a list of our top-rated insurers based on reviews from Insurify users, financial strength ratings, satisfaction scores, and complaint data. Allstate, GEICO, and State Farm are some of Maine’s top insurers.

Best for full coverage: State Farm

full coverage

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User Reviews	4.2 21,628 reviews
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.	$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.	$75/mo

Details

4.2

Best choice in MaineBased on 21,628 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.2	3.2
Customer service	4.4	3.6
Discounts	4.0	2.9
Policy transparency	4.0	3.1
Value	3.9	2.9

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.

Based on analysis of verified reviews collected by Insurify

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Best in Maine for

Customer service

Competitive rates

Discounts for safe drivers

Showing 4 reviews from Maine driversSee all 8,293 State Farm reviews

Denise

Verified Review

State Farm is your BEST Neighbor!

Reviewed in Maine on July 1, 2026

State Farm is amazing! Great rates and personalized service!

Janet

Verified Review

Excellent

Reviewed in Maine on April 24, 2026

The personnel are pleasant and helpful. It's located locally in a plaza, making it easy to get to.

Sharon

Verified Review

Going to check around for cheaper insurance

Reviewed in Maine on December 22, 2025

It goes up in price with no notice, just up.

JD Power

JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

664

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.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 insurance company in the U.S. based on market share. It offers some of the cheapest full-coverage insurance in Maine and has above-average scores for regional customer satisfaction and customer claims, according to JD Power.

Pros

• Competitive rates for teen drivers

• High rate of regional customer satisfaction

• Wide network of local agents

Cons

• No gap insurance 

• No accident forgiveness coverage 

• Low Trustpilot rating 

Best for minimum coverage: USAA

minimum coverage

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User Reviews	4.9 4,390 reviews
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.	9.1 /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.	$38/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.	$72/mo

Details

4.9

Best choice in MaineBased on 4,390 verified driver reviews and ratings

	USAA's score	Industry average
Coverage options	4.9	3.2
Customer service	4.9	3.6
Discounts	4.9	2.9
Policy transparency	4.9	3.1
Value	4.9	2.9

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.

Based on analysis of verified reviews collected by Insurify

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Best in Maine for

Members of the military community

Outstanding customer service

Competitive rates

Showing recent national reviewsSee all 1,737 USAA reviews

John

Verified Review

USAA Is a Lame Duck

Reviewed in Colorado on November 4, 2026

No loyalty for lifelong policyholders. The rates are ridiculous.

Edy

Verified Review

Looking to Save Money

Reviewed in South Carolina on November 2, 2026

I love USAA, but I think I’m paying way too much for the privilege of using them.

Alex

Verified Review

The rent is too damn high.

Reviewed in California on November 1, 2026

Insurance today is very expensive. I think overall it has become a monopoly.

JD Power

JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

741

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.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

USAA is a military-focused auto insurance company available to active military members, veterans, and eligible family members. With more than 87,000 veterans in Maine, according to census data, many eligible drivers can take advantage of USAA's wide range of coverage options, military-focused discounts, and strong customer service.

Pros

• High rate of regional customer satisfaction

• High rate of claims satisfaction

• A++ (Superior) financial strength rating

Cons

• Low Trustpilot rating

• No agents in Maine

• Limited eligibility 

Best for savings: GEICO

savings

Compare Quotes

User Reviews	4.1 21,274 reviews
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.	9.2 /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.	$54/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.	$91/mo

Details

4.1

Best choice in MaineBased on 21,274 verified driver reviews and ratings

	GEICO's score	Industry average
Coverage options	4.1	3.2
Customer service	4.3	3.6
Discounts	4.0	2.9
Policy transparency	4.1	3.1
Value	4.0	2.9

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

Based on analysis of verified reviews collected by Insurify

---

Best in Maine for

Teen drivers

Cheap rates

Accident forgiveness

Showing 3 reviews from Maine driversSee all 8,345 GEICO reviews

Renee

Verified Review

Not Satisfied

Reviewed in Maine on October 14, 2026

They added people to my policy who don’t even drive my vehicle, and then raised my rates.

Kevin

Verified Review

GEICO Sucks

Reviewed in Maine on August 10, 2026

They keep raising my premiums without explaining why.

John

Verified Review

Geico, Great Company

Reviewed in Maine on April 8, 2026

Call Geico for car insurance. I compared all other insurance companies, spent 2 days on the computer and my cell phone. No other company that advertised they are cheap could come close to Geico. Some companies that advertise as cheap were quoting prices of $1,200.00 a year. I pay $800.00 a year for full coverage with Geico.

JD Power

JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

638

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.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

GEICO offers Maine drivers many opportunities to save with a wide range of car insurance discounts. For the 10% of Mainers who have multiple vehicles, GEICO offers a multi-car discount with savings of up to 25%. Additionally, deployed military drivers can save up to 25%, and the company offers multiple ways for safe drivers to save, including a telematics program.

Pros

• A++ (Superior) financial strength rating

• Highly rated regional customer satisfaction

• Wide selection of discounts

Cons

• Below-average claims satisfaction

• Low Trustpilot rating

• Limited local insurance agents

Best for customer service: Allstate

customer service

Compare Quotes

User Reviews	3.9 12,530 reviews
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.	8.9 /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.	$72/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

Details

3.9

A solid option in MaineBased on 12,530 verified driver reviews and ratings

	Allstate's score	Industry average
Coverage options	3.9	3.2
Customer service	4.0	3.6
Discounts	3.9	2.9
Policy transparency	3.8	3.1
Value	3.4	2.9

How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

Based on analysis of verified reviews collected by Insurify

---

Best in Maine for

Accident forgiveness

Wide availability

Cheap rates

Showing 3 reviews from Maine driversSee all 4,792 Allstate reviews

Cf

Verified Review

Excellent

Reviewed in Maine on September 14, 2026

Good value.

Sina

Verified Review

Disappointed, at Best

Reviewed in Maine on August 31, 2026

The first year is fine, but then they start raising the price when they think you won’t notice.

Judith

Verified Review

This company should be reviewed by the Better Business Bureau

Reviewed in Maine on March 28, 2026

Too expensive. The price goes up $75 every month.

JD Power

JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

646

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.02

A.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

Allstate is the fourth-largest insurance company in the U.S. by market share. If strong customer service is important to you, Allstate scores above-average in New England on JD Power’s U.S. Auto Insurance Study.

Pros

• High rate of regional customer satisfaction

• Offers rideshare coverage

• A+ (Superior) financial strength rating

Cons

• Low Trustpilot rating

• Below-average claims satisfaction

• Higher rates than some competitors

How we chose the best companies

To identify the best car insurance companies for Maine drivers, we evaluated 200-plus regional and national companies. We analyzed thousands of user reviews from verified Insurify customers to identify which companies provided the best overall experience, claims and customer satisfaction, and overall value. Whenever available, we considered scores and rankings from third-party organizations, such as AM Best and J.D. Power. We assessed multiple data points to rate affordability, coverage options, available discounts, customer satisfaction, and financial strength.

How much is car insurance in Maine?

The average cost of car insurance in Maine is $889 per year for liability-only coverage and $1,671 for full coverage, according to Insurify data. Premiums in Maine are cheaper than the national annual averages of $1,184 for liability coverage and $2,243 for full coverage.

Maine’s low population density may help explain why drivers pay less for car insurance than the national average. Below-average traffic congestion also reduces the potential for car accidents and insurance claims. Maine also has the lowest percentage of uninsured drivers in the nation, at only 5.7%, according to Insurance Research Council data.

Find Cheap Car Insurance in Maine

Liability policies average $74/mo.

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Average car insurance quotes in Maine cities

The cost of car insurance in Maine can vary based on where you live. Drivers who live in a more densely populated city like Portland will likely pay higher rates than people living in low-density cities like Brunswick.

On-the-spot guidance from licensed insurance experts

Britney BalkLicensed P&C Agent and Customer Service Supervisor

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Qualifications:

• Licensed property and casualty insurance agent

• 14+ years insurance experience

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Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.

Britney Balk's bio

Brett ClendenenLicensed P&C Insurance Agent and Sales Manager

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Qualifications:

• Licensed property and casualty insurance agent

• 15+ years of insurance experience

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Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.

Brett Clendenen's bio

Anuj DesaiLicensed Property & Casualty Insurance Agent

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Qualifications:

• Licensed property and casualty insurance agent

• 25+ years of insurance experience

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Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.

Anuj Desai's bio

Why you should compare car insurance quotes in Maine

Car insurance premiums in Maine can vary significantly depending on where you live, the vehicle you drive, and the car insurance company that you choose. Comparing multiple insurers before you make a choice is an easy way to save on your premiums. 

Here are some tips to help you find the most accurate auto insurance quotes in Maine: 

• Use consistent coverage types and amounts across insurers.

• Enter your ZIP code and vehicle details accurately. 

• Ask which car insurance discounts you qualify for. 

• Be honest about your driving and claims history. 

• Compare car insurance deductibles. 

• Shop for quotes from multiple insurers. 

Maine car insurance requirements 

If you own or operate a vehicle in Maine, you must carry the state-minimum car insurance coverage, which includes:^[1]

Insurance Type	Minimum Coverage Amount
Bodily injury liability	$50,000 per person/$100,000 per accident
Property damage liability	$25,000
Medical payments (MedPay)	$2,000 per person
Uninsured/underinsured motorist	$50,000 per person/$100,000 per accident

Nearly every state requires minimum car insurance, except Maine’s only neighboring state, New Hampshire. Compared to many other states, Maine has relatively high minimum liability requirements, at 50/100/25. For comparison, the nearby states of Vermont and Massachusetts have minimum liability requirements of 25/50/10 and 25/50/30, respectively.

Agent Tip: Is liability-only insurance enough in Maine?

“If your car’s paid off, you may think you only need minimum coverage. But if you cause a crash, medical expenses and repair costs can easily exceed Maine’s 50/100/25 minimums. It’s a good idea to protect yourself with higher liability coverage. And to protect your vehicle, you’ll need full coverage.”

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Mallory MooneyLicensed P&C Insurance Agent and Director of Sales and Client Services

Mallory Mooney's bio

How to find the cheapest Maine car insurance

Here are some strategies you can use to find the cheapest car insurance premiums in Maine:

• Shop around. To find the best rates, compare quotes from at least three insurers. 

• Complete an accident prevention course. Drivers 55 and older who complete an approved motor vehicle accident prevention course can receive a discount on car insurance coverage.^[2]

• Ask about discounts. Common discounts include good student, anti-theft, low mileage, and bundling discounts.

• Improve your credit score. Maine insurers can use your credit history to determine your premiums.^[3] A higher credit score can result in lower insurance premiums. Maine’s average credit score is higher than the national average, according to Equifax data.

• Increasing your deductible. Increasing your deductible can often result in lower monthly premiums.

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Find quotes for your driver profile

The cheapest Maine insurer for you depends on a range of individual factors, including your age, driving history, and the type and amount of coverage you choose. 

Maine car insurance guides

Average Car Insurance Cost in Maine

Best Car Insurance in Maine

Car Insurance Requirements in Maine

Cheap SR-22 Insurance in Maine

How car insurance costs have changed in Maine

The average annual cost of car insurance in Maine in June 2026 was $1,280, according to Insurify’s American Driver report. By December 2026, average costs are projected to remain relatively unchanged, at $1,281. Over the entire year, prices are projected to drop by 0.4%, or $5.

Work done by the Maine Bureau of Insurance to review and regulate insurance coverage may be one of the factors keeping car insurance rates relatively steady. 

Maine car insurance FAQs