Average Car Insurance Cost in Maine (2026)
Drivers in Maine pay an average of $107 per month for car insurance.
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Jamie JohnsonInsurance and Personal Finance Writer
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
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Reviewed byDavid Marlett
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David MarlettAdvisor
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In Maine, a full-coverage policy averages $139 monthly, which is less than the national full-coverage average of $187.
Many factors contribute to Maine’s inexpensive average auto insurance rate, including the state’s low population density and second-lowest percentage of uninsured motorists in the country.[1] Although insurance rates have increased over the past several years, you can still find cheap car insurance in Maine.
Quick Facts
In Maine, liability-only insurance costs an average of $75 per month.
Maine’s car insurance rates fall below the national average, in part because of its low population density.
Maine drivers pay an average of $1,672 per year for full-coverage car insurance.
How much is car insurance in Maine?
In Maine, full coverage costs an average of $139 per month, or $1,672 per year. Full-coverage car insurance, which includes comprehensive and collision, pays for damage to your car.[2]
If your car is older, or you can afford to pay out of pocket to replace it, you’ll save money by switching to liability-only coverage. In Maine, liability-only insurance costs an average of $75 per month, or $904 per year. Your actual costs depend on factors like your driver demographics, type of vehicle you drive, and the coverage amount you choose.
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Average Maine car insurance rates by city
Where you live in Maine influences your insurance costs, as rates tend to be higher in big cities with more drivers. Insurance companies also consider theft, vandalism, and accident rates, as well as weather patterns and repair costs.
Average Maine car insurance rates by age and gender
Your age and gender also affect your car insurance rates. Rates tend to be highest for teenage drivers due to their lack of experience and higher rate of fatal crashes.[3] A 16-year-old driver, for example, pays much more for car insurance than a senior driver pays for the same coverage.
Beyond age, gender also influences insurance rates. Data shows that men not only get into more accidents than women but also tend to have more serious accidents.[4]
The table below outlines the average rates for male and female drivers based on age. You’ll receive a more competitive rate as you age and gain more driving experience.
Age  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $192 | $347 |
| 18 | $167 | $302 |
| 20 | $110 | $200 |
| 25 | $95 | $171 |
| 30 | $79 | $142 |
| 40 | $73 | $132 |
| 50 | $66 | $119 |
| 60 | $62 | $112 |
| 70+ | $59 | $107 |
Disclaimer: Table data is based on real-time Maine quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $192 | $347 |
| 18 | $167 | $302 |
| 20 | $110 | $200 |
| 25 | $95 | $171 |
| 30 | $79 | $142 |
| 40 | $73 | $132 |
| 50 | $66 | $119 |
| 60 | $62 | $112 |
| 70+ | $59 | $107 |
Disclaimer: Table data is based on real-time Maine quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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Average cost to insure popular vehicles in Maine
Your vehicle’s make and model are other factors that affect your car insurance rates. For example, a vehicle that’s only a year old usually costs more to insure than an older car.
In Maine, trucks top the list of the state’s most popular vehicles, according to data from Edmunds, due to their ability to handle Maine’s terrain and harsh winters. The Toyota RAV4 and Subaru Forester’s safety features and practicality make them popular options for Maine drivers as well.
Below, you can see the average insurance rates for each of these popular vehicles.
Vehicle | Average Monthly Quote |
|---|---|
| Ford F-Series | $148 |
| Chevrolet Silverado | $157 |
| Toyota RAV4 | $145 |
| GMC Sierra | $158 |
| Subaru Forester | No data available |
Disclaimer: Table data is based on real-time Maine quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
How your driving record affects car insurance rates in Maine
Insurance companies consider your driving history over the past three to five years. The better your driving record, the lower your car insurance costs.[5]
Every time you’re involved in an accident and file a claim, you’ll receive compensation from your insurer. For this reason, if you have a history of at-fault accidents, speeding tickets, or DUIs, you’ll have higher monthly rates since insurance companies consider you a higher risk.
The following table shows the average rate for a driver with an accident, speeding ticket, or DUI on their record and the percentage that each infraction increases their premium.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $195 | 65% |
| With speeding ticket | $215 | 82% |
| With DUI | $219 | 86% |
Disclaimer: Table data is based on real-time Maine quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
In Maine, an insurance company may look at your credit information to decide whether to insure you, as drivers with poor credit are more likely to file claims.[6]
For that reason, a driver with good credit often has lower car insurance rates than a driver with fair or poor credit, as outlined in the table below.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $65 $117 Good $71 $128 Fair $80 $144 Poor $98 $177 Disclaimer: Table data is based on real-time Maine quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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How to lower your insurance costs in Maine
Maine insurance rates are below the national average, but you can take additional steps to find the best insurance for your needs:[7]
Look for usage-based insurance
If you drive less than 10,000 miles per year, you could save on your annual rate by choosing usage-based insurance. This lets you pay for your coverage based on your mileage — often calculated through telematics.
Improve your credit
If you currently have less-than-perfect credit, you may pay higher insurance premiums. Paying your bills on time and keeping your credit card balances low can improve your credit, helping you qualify for lower rates.
Take advantage of discounts
Many insurers offer discounts, such as those for paying your premium in full. You might also qualify for a discount if you take a defensive driving course, remain accident-free for a certain number of years, or have a car with safety features or an anti-theft device.
Bundle your policies
You can often get a discount if you purchase multiple policies from the same company. For example, you can bundle your auto and home insurance to save money.
Shop around
Different insurers cater to different types of drivers. For example, State Farm offers discounts that can benefit teens and drivers with a clean record. If you’re looking for a company with a variety of local agents, Vermont Mutual may be a good choice. Check with different insurers each time your policy renews to make sure you’re getting the best rate.
Maine average car insurance cost FAQs
If you’re shopping for a car insurance policy, the following information can help you find good car insurance in Maine.
In Maine, the average annual rate for car insurance is $1,288, which falls below the national average. But your driver profile and coverage level determine your exact rate.
The cheapest car insurance companies in Maine include USAA, State Farm, and GEICO. You can find a good policy by shopping around and comparing your options with different insurers.
Car insurance in Maine averages $75 per month for liability coverage and $139 per month for full coverage. But your exact rate may be higher or lower, depending on your ZIP code, age, gender, driving history, and other factors.
The best auto insurance companies in Maine vary depending on your needs.
If you’re looking for a cheap rate, USAA may be a good choice. But you have to be a veteran, active-duty service member, or family member to qualify. State Farm also offers a low average rate, making it a solid option for Maine drivers.
All drivers must meet the following minimum-coverage requirements in Maine:[8]
$50,000 per person in bodily injury liability
$100,000 per accident in bodily injury liability
$25,000 in property damage liability
Sources
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- Insurance Information Institute. "What is covered by a basic auto insurance policy?."
- National Highway Traffic Safety Administration. "Teen Driving."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Department of Professional and Financial Regulation Bureau of Insurance State of Maine. "Factors Affecting Your Premium."
- Department of Professional & Financial Regulation State of Maine. "A CONSUMER’S GUIDE TO...How Insurers Use Credit Information for Personal Auto and Homeowners Insurance."
- Insurance Information Institute. "Nine ways to lower your auto insurance costs."
- Department of Professional and Financial Regulation Bureau of Insurance State of Maine. "Insurance Required by Law."
Methodology
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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Jamie JohnsonInsurance and Personal Finance Writer
6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
David MarlettAdvisor