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Maine Average Cost of Car Insurance Rates (2022)

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Mark Steinbach

By: Mark Steinbach

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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How Much Does Car Insurance Cost In Maine?

On average, car insurance rates for drivers in Maine are $141 per month, and $1691 per year. The average rates make Maine the 48th most expensive state in the country for car insurance rates and 58% less expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $14150%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Maine Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Maine and has selected the following providers and quotes as the best rates for drivers in Maine.

Cheapest CompaniesQuotes
State Farm$71

Maine Car Insurance Rates by City

For drivers in Maine, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Maine.

CityAvg. Monthly Rate
South Portland$145

What Is the Average Cost of Car Insurance in Maine by Age?

As is the case in most states, the teenagers in Maine pay the most for car insurance—a whopping $256 per month to be exact. Luckily, prices will trend closer to the state average once you reach your 20s, with this age group paying $162 per month.

Maine drivers in their 30s and beyond pay some of the lowest car insurance rates in the country. And the older you get, the lower your rates go—with drivers over the age of 80 paying only $73 per month for car insurance.

AgeAvg. Monthly Rate

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What Is the Average Cost of Car Insurance in Maine by Gender?

Men are charged $20 more for insurance than women, which is a decent amount considering how low Maine’s prices generally are. Women pay below the state average, at $132 per month.

GenderAvg. Monthly Rate

Does Marital Status Influence the Average Cost of Car Insurance in Maine?

In Maine, you’re already getting a pretty good deal on car insurance. But for those in Maine who’ve tied the knot, monthly premiums are even lower on average. Married drivers in Maine pay $16 less for car insurance, a monthly premium that puts them $12 below the state average. Meanwhile, single drivers pay $145 per month, which is slightly above the state average.

Marital StatusAvg. Monthly Rate

What Are the Minimum Car Insurance Requirements in Maine?

In Maine, all drivers must purchase car insurance. At minimum, a Maine driver must have $50,000 in bodily injury liability per person and $100,000 in bodily injury liability per accident. This is a sizable limit, but if damages from an accident exceed $100,000, those costs are your responsibility. Then, the minimum for property damage liability per accident is $25,000, which pays for any property you damage in an accident, up to that amount.

Additionally, Maine is a bit unique in that the state requires uninsured motorist coverage and underinsured motorist coverage at $50,000 per person and $100,000 per accident. This keeps you protected if you get into an accident involving someone who does not have insurance or high enough policy limits to cover your costs. Maine also requires $2,000 medical payments coverage per person per accident, which covers post-accident medical expenses regardless of fault.


How Does Credit History Affect Maine Car Insurance Rates?

Maine enables car insurance companies to consider your credit score when determining your car insurance rates. So as you can imagine, drivers with a poor or average credit history pay the most for car insurance ($140 per month), while those with an excellent credit history pay the least ($128 per month). Those with merely a good credit history pay a bit more, at $133 per month on average.

Credit HistoryAvg. Monthly Rate

What Is the Average Cost of Car Insurance in Maine for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Maine will pay $16 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $23. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate
No Violation$132
At-Fault Accident$155

Tips for Researching Maine Car Insurance Rates

Car insurance rates vary between car insurance companies. And with several carriers offering their services in Maine, drivers in Vacationland will want to make sure they’re comparing rates so that they can find the right policy for their budget.
Insurify is all about making it easy to compare quotes so that drivers can find cheap car insurance rates. With Insurify, dozens of free car insurance quotes are just a few clicks away, setting you up to find the right policy at the right price.

Top Auto Insurance Companies

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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Maine Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Maine. 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.

  • The way to find the carrier with the best auto insurance ratings in Maine and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Mark Steinbach
Mark Steinbach

Content Writer at Insurify

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

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