120+ more*Quotes generated for Insurify users from Maine within the last 10 days. Last updated on April 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Maine within the last 10 days. Last updated on April 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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7+ years in personal finance writing
Certified Financial Education Instructor
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.
Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.
She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.
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Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
)
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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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.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Drivers in Maine pay an average monthly premium of $108, which is typically lower than the national monthly average of $140. In Maine, liability-only coverage averages $76 per month, and full coverage averages $76 per month.
Maine’s low population density and few uninsured drivers help explain why the state’s insurance rates are usually lower than the national average.[1] [2]
The table below highlights the cheapest car insurance companies in Maine for different coverage and driver types, according to Insurify data.
Driver Category | Cheapest Insurance Company in ME | Cheapest Monthly Quote in ME |
|---|---|---|
| Overall | USAA | $38 |
| State-minimum coverage | USAA | $38 |
| Full coverage | USAA | $73 |
| Drivers with a clean record | USAA | $38 |
| After a speeding ticket | USAA | $52 |
| After an at-fault accident | USAA | $54 |
| After an OUI | USAA | $50 |
| Teen/new drivers | USAA | $81 |
| Seniors | USAA | $31 |
| Bad credit | USAA | $44 |
Maine requires drivers to have minimum liability insurance to drive legally. You also need proof of insurance to register a vehicle. Liability coverage protects other drivers and their property if you cause an accident. Despite having lower-than-average premiums, Maine has some of the highest minimum car insurance requirements compared to other states.
The table below shows the cheapest liability-only car insurance rates in Maine, according to Insurify data.
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 | $38 |
| State Farm | $39 |
| GEICO | $55 |
| Allstate | $59 |
| Travelers | $68 |
| Safeco | $69 |
| Direct Auto | $78 |
| National General | $84 |
| Dairyland | $92 |
| Bristol West | $92 |
| The General | $92 |
| Liberty Mutual | $94 |
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Mallory Mooney
Director of Sales and Service
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.
If you regularly travel on Interstate 95 during the winter months, you know that icy conditions can cause a dangerous commute. Plus, it’s a high-traffic route for tourists in the summer. Full-coverage car insurance offers more protection for you and your car, giving you peace of mind no matter the weather or traffic.
Full-coverage car insurance in Maine combines liability insurance with collision and comprehensive coverage. Collision coverage helps pay to repair or replace your vehicle if you hit another vehicle or an object, like a parked car or an animal. Comprehensive coverage helps pay for non-collision damage, like theft and vandalism.
USAA offers the cheapest full-coverage premiums in Maine, with rates at $73 per month.
The following table shows the cheapest full-coverage quotes in Maine, according to Insurify data.
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 | $73 |
| State Farm | $75 |
| GEICO | $99 |
| Safeco | $108 |
| Allstate | $114 |
| Travelers | $131 |
| Liberty Mutual | $132 |
| Direct Auto | $151 |
| National General | $164 |
| Bristol West | $182 |
| The General | $186 |
| Dairyland | $279 |
*Quotes generated for Insurify users from Maine within the last 10 days. Last updated on April 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Maine within the last 10 days. Last updated on April 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
With fewer drivers on the road and one of the country’s lowest uninsured driver rates, Maine’s car insurance premiums fall below the national average. To find the coverage that fits your needs and budget, you should compare quotes from some of the best car insurance companies in Maine.
| 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. | 9.1 /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. | $73/mo |
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.
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.
For such a small state, Maine is home to more than 95,000 veterans. USAA exclusively serves military members, veterans, and their families. The insurer consistently receives above-average scores for customer and claims satisfaction. It also has plenty of military-focused discounts and perks.
Military-focused discounts
Two telematics programs
Affordable rates for Maine drivers
Available only to military members and families
Low Trustpilot rating
Above-average number of customer complaints
| User Reviews | 4.0 |
|---|---|
| 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. | $39/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 |
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.
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.
State Farm offers some of the cheapest rates in Maine. It also has a wide range of car insurance discounts, including bundling, defensive driving, and good student discounts. Safe drivers can save even more with State Farm’s Drive Safe & Save telematics program.
Online quotes available
Above-average customer and claims satisfaction in New England region
Fewer-than-average number of customer complaints
Accident forgiveness not available
Low Trustpilot rating
Gap insurance not available
| User Reviews | 4.5 |
|---|---|
| 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. | $79/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. | $160/mo |
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
Maine has the oldest population in the country, with nearly 24% of its residents aged 65 and older. That means plenty of Maine drivers may qualify for senior discounts with GEICO. The company offers savings for completing a defensive driving course, insuring multiple vehicles, and more.
Above-average customer satisfaction in New England region
AM Best financial strength rating of A++ (Superior)
Fewer customer complaints than expected
Lower AM Best Financial Strength Rating than some competitors
Poor customer ratings from the Better Business Bureau
Higher average premiums than some other insurers
Car insurance premiums in Maine are projected to increase 0.8% by the end of 2026, according to an Insurify report. That will bring the state’s average car insurance premiums to $1,253 annually.
Even with this increase, Maine drivers still pay car insurance premiums below the national average, thanks to less traffic and fewer uninsured drivers.
Find the best price for the coverage you need
Maine requires all registered vehicles to have a minimum amount of car insurance. The state’s minimum coverage requirements are a combination of liability insurance, medical payments (MedPay), and uninsured/underinsured (UM/UIM) motorist coverage.
The table below lists the coverage you need to meet Maine’s minimum car insurance requirements.
Type of Coverage | Maine Requirement |
|---|---|
| Bodily injury liability | $50,000 per person / $100,000 per accident |
| Property damage liability | $25,000 |
| Medical payments | $2,000 per person |
| Uninsured/underinsured motorist | $50,000 per person / $100,000 per accident |
MedPay helps pay for your medical expenses if you’re in an accident. UM/UIM coverage protects you if a driver without enough insurance hits your car.
Maine drivers with a clean record pay an average of $108 per month for car insurance. Practicing safe habits and maintaining a clean driving record can help keep your rates low.
The following table shows the cheapest liability quotes in Maine for people with a clean driving record, according to Insurify data.
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 | $36 |
| State Farm | $37 |
| GEICO | $53 |
| Allstate | $58 |
| Travelers | $64 |
| Safeco | $72 |
| Direct Auto | $73 |
| National General | $84 |
| Dairyland | $86 |
| The General | $86 |
| Bristol West | $89 |
| Liberty Mutual | $97 |
If the police catch you speeding by 30 miles per hour more than the speed limit in Maine, the state could suspend your license for up to 30 days.[3]
Drivers in Maine with a recent ticket pay an average of $149 per month for car insurance.
The table below highlights the most affordable car insurance quotes for Maine drivers with a speeding ticket, according to Insurify data.
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 |
|---|---|
| State Farm | $52 |
| USAA | $52 |
| GEICO | $76 |
| Allstate | $81 |
| Travelers | $93 |
| Safeco | $95 |
| Direct Auto | $103 |
| National General | $116 |
| Dairyland | $120 |
| Bristol West | $122 |
| Liberty Mutual | $126 |
| The General | $129 |
There were more than 35,000 car crashes in Maine in 2025, according to the Maine Department of Transportation (MDOT).[4] Rear-ending and side-swiping crashes were most common, followed by driving off the road and hitting a deer.
Just over 6% of drivers in Maine have been in a car accident, according to Insurify data. On average, Maine drivers pay $162 per month for car insurance after an accident.
The following companies offer the cheapest car insurance rates for Maine drivers with an at-fault accident.
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 | $54 |
| State Farm | $55 |
| GEICO | $77 |
| Allstate | $84 |
| Travelers | $98 |
| Safeco | $102 |
| Direct Auto | $113 |
| National General | $126 |
| Dairyland | $130 |
| Bristol West | $130 |
| Liberty Mutual | $133 |
| The General | $135 |
Less than 1% of Maine drivers have an operating under the influence (OUI) conviction, according to Insurify data. That said, the consequences for an OUI in Maine are steep. First-time offenders can expect a fine of at least $500, a 150-day license suspension, and possible jail time.[5]
Car insurance rates for Maine drivers with an OUI average $131 per month.
The following table lists the cheapest insurance quotes for Maine drivers with an OUI.
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 | $50 |
| State Farm | $52 |
| GEICO | $72 |
| Allstate | $78 |
| Travelers | $90 |
| Safeco | $97 |
| National General | $102 |
| Direct Auto | $103 |
| The General | $117 |
| Dairyland | $122 |
| Bristol West | $122 |
| Liberty Mutual | $125 |
If you have a serious traffic offense in Maine, like an OUI, the state might require you to file an SR-22. An SR-22 is a certificate of financial responsibility that proves you have adequate insurance coverage.[6]
Drivers in Maine who need an SR-22 pay an average of $130 per month for car insurance.
The table below shows the most affordable SR-22 coverage in Maine, according to Insurify data.
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 | $46 |
| State Farm | $47 |
| GEICO | $66 |
| Allstate | $71 |
| Travelers | $82 |
| Safeco | $83 |
| Direct Auto | $94 |
| National General | $101 |
| Dairyland | $111 |
| Bristol West | $111 |
| The General | $111 |
| Liberty Mutual | $113 |
Compare rates from Maine’s top insurers
Maine requires drivers younger than 18 to participate in a graduated licensing program. The program restricts who they can drive with, when they can drive, and prohibits driving while using a cell phone.[7]
Teen drivers in Maine pay an average of $259 per month for car insurance.
The following data shows the cheapest quotes for teen car insurance in Maine, according to Insurify data.
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 | $81 |
| State Farm | $87 |
| GEICO | $116 |
| Allstate | $134 |
| Safeco | $160 |
| Travelers | $162 |
| Direct Auto | $174 |
| Dairyland | $187 |
| Bristol West | $190 |
| Liberty Mutual | $192 |
| The General | $192 |
| National General | $201 |
Maine has the oldest population in the country, with nearly 24% of residents aged 65 or older. All drivers age 62 or older must complete a vision screening exam at every license renewal.[8]
Senior drivers in Maine pay an average of $96 per month for car insurance.
The table below lists the lowest auto insurance quotes for senior drivers in Maine.
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 |
|---|---|
| State Farm | $31 |
| USAA | $31 |
| GEICO | $44 |
| Allstate | $49 |
| Travelers | $55 |
| Safeco | $61 |
| Direct Auto | $65 |
| National General | $75 |
| Bristol West | $78 |
| Dairyland | $79 |
| Liberty Mutual | $79 |
| The General | $80 |
In Maine, insurers can use your credit history as a factor to determine your car insurance premiums.[9] Poor credit can lead to higher premiums because insurers consider you more likely to file a claim.
Maine drivers with poor credit pay an average of $120 per month for car insurance.
The table below shows the cheapest car insurance quotes for drivers with poor credit in Maine, according to Insurify data.
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 | $44 |
| State Farm | $54 |
| GEICO | $64 |
| Allstate | $69 |
| Travelers | $79 |
| Safeco | $80 |
| Direct Auto | $91 |
| National General | $94 |
| Liberty Mutual | $106 |
| Dairyland | $107 |
| Bristol West | $107 |
| The General | $107 |
Below, we answered some of the most commonly asked questions about cheap car insurance in Maine.
USAA, State Farm, and GEICO are Insurify’s top picks for the best car insurance companies in Maine. But the right insurer for you depends on various factors, like your budget and coverage needs.
The average cost of car insurance in Maine is $108 per month, according to Insurify data. Liability-only coverage averages $76 per month, and full coverage costs an average of $140 per month.
Maine requires drivers to have $50,000 per person and $100,000 per accident of bodily injury liability coverage, and $25,000 per accident of property damage liability coverage. You also need $2,000 per person of medical payments (MedPay) coverage and $50,000 per person and $100,000 per accident of uninsured/underinsured motorist (UM/UIM) coverage.
USAA is the cheapest car insurance company in Maine, with liability rates averaging $38 per month. But rates vary based on many factors, including your driving history, age, and the coverage limits you choose.
No. Maine isn’t a no-fault state. Maine is an at-fault state, also known as a tort state, meaning the driver who causes the accident is responsible for paying the damages.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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7+ years in personal finance writing
Certified Financial Education Instructor
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.
Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.
She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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.
