Cheap Auto Insurance Quotes in Maine (2021)

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How does a Mainer save on car insurance?

Marden’s isn’t the only place serving up deals—can you save money on your car insurance? Ayuh.

Lighthouses, lawn ornaments, and lobster rolls are nothing more than a car ride away for the 1.3 million residents of Maine. But before you put on your Bean Boots and head to the next bean supper, are you getting the best rate on car insurance? Here’s our guide to the best and cheapest car insurance in the Pine Tree State. Once you finish reading, you’ll want to celebrate by cracking open a can of Moxie or pouring a cup of the champagne of Maine.

Cheapest Car Insurance in Maine

Here are the cheapest carriers in Maine for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Maine.

Best Car Insurance in Maine

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Maine. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Maine

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Maine to find you the cheapest quotes in each of these metropolitan areas.

Portland, Maine's most populous city, was recently announced as one of a handful of pilot sites for testing self-driving car technology.

Quotes by Top Carriers
Quotes ($/mo)
$32
$54
$68
$87
$100
$123
$147
ProgressiveGEICOAllstateTravelersState FarmLiberty MutualThe General
Monthly $
CityCheapest Carrier
Progressive
$32/mo
Progressive
$28/mo
Progressive
$31/mo
Progressive
$30/mo
Progressive
$33/mo
Progressive
$29/mo
Progressive
$27/mo
Progressive
$25/mo
Progressive
$28/mo
Progressive
$26/mo
Progressive
$27/mo
Progressive
$29/mo
Progressive
$26/mo
Progressive
$27/mo
Progressive
$26/mo
Progressive
$30/mo
Progressive
$31/mo
Progressive
$31/mo
Progressive
$29/mo
Progressive
$31/mo

Cheapest Liability Auto Insurance in Maine

For drivers in Maine, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Maine. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Maine.

Cheapest Full Coverage Auto Insurance in Maine

For drivers in Maine, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Maine. The following are the best insurance rates from carriers that offer full coverage auto insurance in Maine.

Maine Driving Facts

maine

Minimum Car Insurance Requirements in ME

The state of Maine requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in Maine are:

  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Maine state law requires are $50,000 for the injury or death of a single person involved in a car accident and $100,000 for the injury or death of multiple persons. Insurance providers list this coverage at 50/100, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $100,000 are your responsibility.

The minimum property damage liability insurance requirements in Maine are:

  • $25,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of Maine requires $25,000 for the minimum. You’ll see the collective state minimum listed at 50/100/25. The 25 refers to the property damage liability. Once again, any damages above the $25,000 are your responsibility.

What happens if someone hits you, and they do not have insurance or enough insurance to pay for your damages? Consider that the Insurance Information Institute reports 4.5 percent or just under one out of twenty Maine drivers has no insurance. That’s why the state requires minimum uninsured motorist coverage and underinsured motorist coverage at:

  • $50,000 per person
  • $100,000 per accident

Uninsured motorist bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.

Underinsured motorist bodily injury pays your medical expenses if you’re hit by someone who does not have high enough policy limits to cover your costs.

Medical Payments coverage, or Med Pay, covers you and your passengers’ medical expenses regardless of fault. The state minimum requirement for this coverage:

  • $2,000 per person per accident

Cheapest Car Insurance Quotes in Maine by Profile

Here are the cheapest insurance companies in Maine based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Maine drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Maine, at $25 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance Company
Progressive
$25/mo
GEICO
$48/mo
Allsate
$65/mo
Travelers
$67/mo
State Farm
$71/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance Company
Countryway
$32/mo
Concord Group
$35/mo
State Farm
$35/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance Company
Concord Group
$27/mo
Countryway
$29/mo
USAA
$29/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance Company
Concord Group
$24/mo
USAA
$25/mo
Countryway
$26/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Maine, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA offers the cheapest car insurance rates for young drivers, averaging $39 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Maine 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Mainers lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance Company
USAA
$39/mo
GEICO
$43/mo
Erie
$48/mo

SR‌-22 Insurance in Maine

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Maine on your behalf.

ME DMV Information

The Maine Bureau of Motor Vehicles (BMV) has 13 motor vehicle branch offices throughout the state. It also offers mobile units and partners with AAA for limited services. The BMV is walk-in friendly, but you must schedule an appointment for driver license road tests through the mail by sending your road test request card to the main office at 29 State House Station, Augusta, Maine 04333-0029. The main office will then schedule your road test at the nearest location to you. 

The online portal lets you skip the drive and amongst other services you can:

  • Purchase duplicate registration
  • Register as an organ and tissue donor
  • Register to vote
  • Renew your driver’s license or ID card
  • Request your driving record

Insurify Insights: How Maine Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Maine drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Maine

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Among all fifty states, Maine drivers rank 6 in the number of car accidents per driver.

  • Rank of States: #6
  • Percent of drivers in Maine with an accident: 12.08%
  • Drivers in ME with an accident in their driving history paid on average 33.05% more than drivers with a clean record

Speeding Maine

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Maine drivers rank 36 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #36
  • Percent of drivers in Maine with a speeding ticket: 8.94%
  • Drivers in ME with a speeding ticket in their driving history paid on average 42.37% more than drivers with a clean record

DUI/DWIs Maine

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Maine drivers rank 12 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #12
  • Percent of drivers in Maine with a DUI: 2.75%
  • Drivers in ME with a DUI in their driving history paid on average 17.8% more than drivers with a clean record

Most Popular Vehicle Maine

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Maine is the Chevrolet Silverado.

Rude Maine

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Maine drivers rank 30 in rude driving infractions.

  • Rank of States: #30
  • Percent of drivers in Maine with a reckless driving violation: 0.95%
  • Drivers in ME with a reckless driving violation in their driving history paid on average 20.34% more than drivers with a clean record.

Safest Drivers Maine

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Maine drivers rank 29 in clean driving records across all fifty states.

  • Rank of States: #29
  • Percent of drivers in Maine with clean record: 79.55%

Street Racing Maine

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Maine drivers rank 39 in street racing violations per driver.

  • Rank of States: #39
  • Percent of drivers in Maine with a street racing violation: --%

Failure to Yield the Right of Way Maine

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Maine drivers rank 51 in failure to yield violations per driver across all fifty states.

  • Rank of States: #51
  • Percent of drivers in Maine with a failure to yield violation: 0.08%
  • Drivers in ME with a failure to yield violation in their driving history paid on average 59.32% more than drivers with a clean record

Reckless Drivers Maine

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all fifty states, Maine drivers rank 21 in the number of reckless driving offenses per driver.

  • Rank of States: #21
  • Percent of drivers in Maine with a reckless driving offense: 0.14%

Hybrid/Electric Vehicle Ownership Maine

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Maine drivers rank 11 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #11
  • Percent of drivers in Maine with a hybrid/electric vehicle: 1.26%

Greenest Cities in Maine

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The Maine Department of Environmental Protection has recently expanded its Environmental Education efforts through a new webpage and the development of curricula for middle and high school students. The EPA has offered the state over $23 million to support clean water projects. The state of Maine offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.

Greenes Cities

Portland

Greenes Cities
% of Hybrids / Electrics
1%
Most Patriotic City

Most Patriotic City

Portland

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Maine is vital for all car insurance shoppers hitting the road in The Pine Tree State.

road with cars illustration

Road Rankings

19%Rural Roads in
Poor Condition

#10
Ranked

15%Structurally Deficient
Rural Bridges

#5
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#26
Ranked


FAQs - Maine Car Insurance

What happens if I get caught driving uninsured in Maine?

The penalties in Maine can be harsh. If you get caught, you’ll get an infraction for driving without proof of financial responsibility. You can be fined between $100 and $500. Your driving privileges will be suspended so you can provide proof of insurance. You must pay up to $115 in reinstatement, license, and registration fees. You also must maintain SR-22 filing for three years.

How is fault assigned after a car accident in Maine?

Maine is an at-fault state, not a no-fault state. In Maine, the person responsible for the accident pays for medical expenses and damages. In a no-fault state, the insurance provider pays legitimate claims regardless of fault.

Who has the cheapest car insurance in Maine?

The best way to find the cheapest car insurance for Maine drivers is to compare quotes from the insurance providers available in your area. Find a car insurance quote comparison tool like Insurify to compare up to 10+ real quotes for your driver profile and unlock savings and car insurance discounts. Rates can vary based on your driving history and personal profile, but you should be able to find a competitive price. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.