Best Cheap Auto Insurance in Maine (2023)

Maine drivers pay an overall average of $154 per month for car insurance, which is significantly more than the national average of $139 per month.

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
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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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Evelyn PimplaskarEditor-in-Chief, Director of Content
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Shawn Powers
Reviewed byShawn Powers
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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVice President of Engineering
  • 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 November 17, 2023 at 6:30 AM PST

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Maine boasts a ruggedly beautiful coastline, stretching over 3,500 miles. When you venture away from the coast, you’ll find more than 21,000 miles of public highways to explore, which is more than any other New England state. The extensive roadways and risks that come with coastal living may affect car insurance costs for the state’s drivers.

Although Maine drivers face insurance rates that are about 11% higher than the national average, they can still find affordable, quality coverage through insurers like USAA, Travelers, and Nationwide. But auto insurance premiums vary based on driving record, location, age, gender, marital status, and more.

This article is your guide to average auto insurance rates across Maine to help you find the best policy for your situation.

Quick Facts
  • 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]

  • On average, full-coverage car insurance in Maine costs $205 per month, and liability-only policies cost $103.

  • USAA is one of the cheapest auto insurers in Maine for liability-only insurance.

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Best 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.

However, the unique aspects of your situation will affect which car insurance company is the best fit for you. The best way to find the lowest rates is to get quotes from multiple insurance companies.

Best insurer for military and veteran families: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
884
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.
$78/mo

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

They are the best in customer service.

Brenda - September 13, 2023
Verified

Overall poor service, took a safe driving discount away because I wasn’t driving enough.

Kenneth - September 9, 2023
Verified

Great operation since I was a Lt.

raymond - September 7, 2023
Verified
Read our USAA review

Best insurer for liability-only coverage: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
838
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.
$43/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.
$81/mo

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

I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.

Theresa - September 14, 2023
Verified

I really enjoyed working with them, I just couldn't keep up with the expensive rates.

Becki - September 13, 2023
Verified

I was 5 stars until the recent increase, without any explanation.

Norman - September 13, 2023
Verified
Read our State Farm review

Best insurer for full coverage: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
816
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.
$75/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.
$99/mo

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

They have the lowest rates I could find.

Elise - September 11, 2023
Verified

They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.

Albert - September 6, 2023
Verified

Good service.

Jorge - September 4, 2023
Verified
Read our Travelers review

Cheapest liability-only car insurance in Maine

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. However, 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 own vehicle and medical expenses.

Here’s a closer look at the cheapest options for liability coverage in Maine:

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
USAA42
State Farm43
Safeco44
Liberty Mutual49
Foremost51
Progressive51
Midvale Home & Auto57
GEICO65
Allstate65
Travelers75
Dairyland75
The General96
Bristol West103
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 in Maine

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 own 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.

Explore the cheapest car insurance options for full coverage in Maine below:

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
Progressive74
Nationwide76
Safeco77
USAA78
State Farm81
Midvale Home & Auto97
Travelers99
Liberty Mutual99
Foremost114
GEICO122
Allstate122
The General172
Dairyland201
Bristol West202
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.

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Car insurance requirements in Maine

Maine requires drivers to carry a minimum level of liability car insurance.[2] Here are the requirements:

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Bodily injury liability coverage

    Bodily injury liability coverage pays for the medical costs of the other drivers and their passengers if you cause an accident. Maine requires drivers to have:

    • $50,000 per person

    • $100,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Property damage liability coverage

    If you cause an accident, property damage liability coverage can pay to repair or replace the vehicle of the not-at-fault driver. Maine requires you to have $25,000 of property damage liability, but keep in mind that limit may not be enough to cover the cost of a totaled car, especially if it’s a new or luxury vehicle.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Although Maine law requires all drivers to have car insurance, about 5% of the state’s drivers forgo coverage.[3] Uninsured motorist coverage can help pay for your damages and injuries if an uninsured driver causes an accident. Underinsured motorist coverage comes into play if you’re hit by a driver whose liability limits are too low to fully cover your costs. Maine’s UM/UIM limits are:

    • $50,000 per person

    • $100,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Also known as MedPay, medical payments coverage can help pay for accident-related medical bills for you and your passengers. Maine requires drivers to carry at least $2,000 per person of MedPay.

Cheapest car insurance for drivers with an incident

It’s easy to make mistakes on the road. But a mistake can lead to increased car insurance costs for the long term.

Drivers with a clean driving record tend to pay less for car insurance than drivers with a driving violation, including speeding tickets, driving under the influence, and at-fault accidents. In general, the severity of the offense affects just how much your rate will increase.

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Cheapest car insurance for drivers with a speeding ticket

The breathtaking views of a coastal highway can be just the distraction you need to accidentally get a speeding ticket. After a ticket, you might encounter higher car insurance premiums. A speeding ticket indicates to insurance companies you might have a high risk of filing a claim.

The following table illustrates how a speeding ticket can affect full-coverage car insurance prices in Maine.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Progressive11781
Safeco12270
USAA12467
State Farm12968
Midvale Home & Auto15491
Travelers157119
Liberty Mutual15778
Foremost18181
GEICO194103
Allstate194103
The General273152
Dairyland319119
Bristol West321164
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 car insurance for drivers with an at-fault accident

An at-fault accident represents another red flag to insurance companies. In general, drivers face higher auto insurance premiums after an accident, especially if they caused it.

But the rate increases vary greatly by insurance company. Here are the average full-coverage quotes for drivers with an at-fault accident in Maine:

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Progressive10573
Safeco11063
USAA11160
State Farm11561
Midvale Home & Auto13881
Travelers141107
Liberty Mutual14170
Foremost16373
GEICO17493
Allstate17493
The General245137
Dairyland287107
Bristol West288147
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 car insurance for drivers with a DUI

While many states refer to impaired driving as a DUI (driving under the influence) or a DWI (driving while intoxicated), in Maine the offense is called an OUI (operating under the influence of drugs or alcohol).[4]

As one of the most serious moving violations, an OUI usually comes with higher car insurance premiums. Drivers with an OUI typically pay more than drivers with other types of incidents on their records, like a speeding ticket.

The table below shows how an OUI can affect car insurance quotes for Maine drivers.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Progressive12083
Safeco12572
USAA12768
State Farm13270
Midvale Home & Auto15893
Travelers161122
Liberty Mutual16180
Foremost18583
GEICO198106
Allstate198106
The General280156
Dairyland327122
Bristol West328167
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.
Learn More: How Long Does a DUI Stay On Your Record?

Learn More: How Long Does a DUI Stay On Your Record?

Cheapest car insurance for seniors in Maine

When determining premiums, insurance companies often take your age into account. In general, drivers with more experience behind the wheel pay less for car insurance.

Most drivers can expect falling car insurance premiums between ages 25 and 35, which can continue for decades. But around age 75, average rates tend to increase gradually. As a senior driver, you may face higher auto insurance costs.

Explore the average monthly quotes for senior drivers in Maine below:

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Progressive2819
Safeco2916
USAA2916
State Farm3016
Midvale Home & Auto3621
Travelers3728
Liberty Mutual3718
Foremost4319
GEICO4524
Allstate4524
The General6436
Bristol West7538
Dairyland7528
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 car insurance for teens in Maine

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. It’s impossible to completely negate your age as a determining factor for rates. However, teen drivers don’t have to overpay.

As a young driver, some ways to lower your car insurance costs include getting good grades, raising your deductible, and driving a safer vehicle. Additionally, comparing rates across multiple insurance companies can help you lock in the best rates for your situation.

The following table shows the average monthly quotes from some top insurance companies for teen drivers in Maine.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Progressive13694
Safeco14281
USAA14477
State Farm14979
Midvale Home & Auto179105
Travelers183138
Liberty Mutual18390
Foremost21094
GEICO225120
Allstate225120
The General317177
Dairyland371138
Bristol West373190
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.

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.

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Maine car insurance quotes by credit tier

Maine allows insurance companies to consider your credit information when determining premiums. Drivers with a fair or poor credit score generally pay higher rates for car insurance than drivers with an excellent or good credit score. In turn, raising your credit score can help you lower your auto insurance costs.

Some strategies to help you improve your credit score include paying down debt, making on-time bill payments, and removing any mistakes from your credit report.

Rates by Credit Tier

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.
Keep Reading: The Insurify Guide to Car Insurance Discounts

Keep Reading: The Insurify Guide to Car Insurance Discounts

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.

  • How much is car insurance in Maine?

    The overall cost of car insurance in Maine is $154 per month, or $1,848 per year. On average, a full-coverage policy in the state costs $205 per month, and a liability-only policy costs $103 per month.

  • What are the best car insurance companies in Maine?

    Travelers, USAA, and State Farm are among the best insurers for Maine drivers. State Farm has an Insurify Quality Score of 4.4, while USAA and Travelers have scores of 4.3 and 4.2, respectively. The score reflects a company’s overall quality, customer service, and affordability.

  • Does Maine require car insurance?

    Yes, the state of 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.

  • Is Maine a no-fault state?

    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.

Insurify Insights

How Maine Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Maine below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Maine drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

chevrolet

Chevrolet Silverado

Most Popular Car in Maine

#48

State with the Most Speeding Tickets Rank

#45

State with the Moving Violations Rank

#22

State with the Most DUIs Rank

#37

State with the most Suspended Licenses

  • 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. Maine is the #31 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #31
    • Percent of drivers in Maine with an accident: 8.2%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Maine is the #22 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #22
    • Percent of drivers in Maine with a DUI: 1.6%
  • 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. Maine is the #50 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #50
    • Percent of drivers in Maine with a reckless driving offense: 0.3%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Maine is the #50 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #50
    • Percent of drivers in Maine with a rude driving violation: 0.4%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Maine is the #48 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #48
    • Percent of drivers in Maine with a speeding ticket: 5.1%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Maine is the #45 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #45
    • Percent of drivers in Maine with a failure to yield violation: 0%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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

  1. Maine Department of Transportation. "State of Maine Highway Crash Statistics." Accessed August 2, 2023
  2. Maine Bureau of Insurance. "Insurance Required by Law." Accessed August 2, 2023
  3. Insurance Research Council. "One in Eight Drivers Uninsured." Accessed August 2, 2023
  4. Maine Legislature. "Title 29-A: MOTOR VEHICLES AND TRAFFIC Chapter 23: MAJOR OFFENSES - SUSPENSION AND REVOCATION." Accessed August 2, 2023
Sarah Sharkey
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.

Evelyn Pimplaskar
Edited byEvelyn PimplaskarEditor-in-Chief, Director of Content
Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Shawn Powers
Reviewed byShawn PowersVP of Insurance Sales at Insurify
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Shawn PowersVP of Insurance Sales at Insurify
  • Licensed insurance agent for 25+ years

  • 15 years as VP of Sales and Operations at Answer Financial

Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
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Konstantin HalachevVice President of Engineering
  • 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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