Average Car Insurance Cost in Maine (2024)

The average cost of car insurance in Maine is $174 per month for full coverage and $89 for liability coverage. Drivers in Maine pay less than the U.S. average of $213 per month for full coverage and $104 for minimum coverage.

Several factors may explain why Maine has cheaper car insurance rates than the national average. The state has a relatively low population density and a low percentage of uninsured drivers. As a result, Maine drivers could have a lower risk of serious accidents, which results in reduced insurance costs.

To find the best coverage at the right price, you should compare car insurance quotes from multiple companies. Here’s what you need to know about finding car insurance in Maine.

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What’s the average cost of car insurance in Maine?

Maine drivers pay $174 per month for full-coverage car insurance and $89 for liability coverage, on average. However, car insurance rates vary for every driver. Factors like your ZIP code, age, and vehicle type can affect the cost of your policy.

Full-coverage insurance costs more than liability coverage because it provides more financial protection.^[2] Of the insurers featured below, Safeco and USAA have the lowest average quotes in Maine. In the table below, you can see the average cost of car insurance from some of the top insurance companies in the state.

Average Maine car insurance rates by city

The average cost of car insurance can depend on your city and ZIP code, even within the same state. Location-based factors that can affect base rates in an area include population density, traffic congestion, crime rates, motor vehicle theft rates, and more.^[3]

Drivers in Maine’s most populated cities may face higher average rates than the state average. For example, Portland drivers pay more on average for full coverage and minimum liability insurance than the Maine average rate.

The table below has average car insurance quotes in Bangor and Portland, two of the most populated cities in the state of Maine.

Average Maine car insurance rates by age

Age is one of the biggest factors that can affect the cost of your car insurance policy. In general, teen drivers pay the highest rates for coverage because they pose a higher risk to insurers than more experienced drivers. 

Drivers between 35 and 69 pay the lowest average rates. Insurance costs tend to increase again for senior drivers 70 and older due to aging-related risk factors.

Below, you can see average car insurance quotes in Maine for drivers in different age groups.

How gender affects car insurance rates in Maine

Gender is another car insurance rating factor insurers may use in Maine. Statistics show that men are more likely to have more serious accidents than women. Men are also more likely to drive while impaired. Because of that, male drivers typically pay higher rates than female drivers.

However, age is also an important factor. Young drivers see a bigger difference in auto insurance rates by gender. For 16-year-old drivers, the cost difference between male and female drivers is significant. For 50-year-old drivers, male drivers only pay slightly higher rates than female drivers.

Below, you can see average car insurance quotes in Maine based on age and gender.

How your driving record affects car insurance rates in Maine

Your driving record is one of the most significant car insurance rating factors. People who have a clean driving record with no incidents usually pay the cheapest car insurance rates. Drivers with one or more accidents, speeding tickets, and DUI convictions on their record often pay higher rates for their car insurance.

In Maine, drivers with an incident on their record pay $123 per month for liability coverage and $240 for full coverage.

You can see the average car insurance quotes in Maine for drivers with various incidents on their records in the table below.

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Average Maine car insurance rates by marital status

Your marital status can affect your car insurance rates. If you’re married, you might pay slightly less for your car insurance. According to the data below, married drivers in Maine pay about 5% less for liability car insurance and 4% less for full coverage than single drivers.

Married drivers might qualify for certain car insurance discounts that can help them save money. For example, if you and your spouse each have a vehicle, you could get a multi-vehicle discount if you insure both cars on the same insurance policy.

Below, you can see average quotes for auto insurance by marital status in Maine.

Average Maine car insurance rates by credit tier

Car insurance companies in Maine can consider your credit-based insurance scores when determining your premium. Drivers with good and excellent credit typically pay the lowest rates, whereas people with poor credit pay higher rates.

Below, you can see average car insurance quotes for Maine drivers by credit tier and coverage level.

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