4.8out of 3,000+ reviews

Maine Car Insurance for Bad Credit Drivers

Secure. Free. Easy-to-use.
Advertising disclosures
auto insurance

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Joe Dyton

By: Joe Dyton

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Cheapest Companies for Drivers With Bad Credit in Maine (2022)

For drivers with bad credit in Maine, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Maine. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Maine.

CarrierAvg. Monthly Cost
Travelers$78
Nationwide$115
Liberty Mutual$129
Midvale Home & Auto$137
American Family Insurance$147
The General$148

Bad Credit Car Insurance in Maine

Bad credit can hinder a lot of your financial endeavors, including getting a house or car loan. A poor credit score can also hurt your chances of getting a good rate on your car insurance. While a few states are prohibited from making credit scores part of their formula for determining rates, Maine is not one of them. So if you want to get car insurance in Maine, you'll likely have to go through a credit check. Fortunately, car insurance credit checks are considered "soft inquiries," which will not affect your credit score.

Maine Car Insurance Rates for Bad Credit Drivers

Excellent
$115
Good
$127
Average
$131
Poor
$142

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in Maine?

Drivers with bad credit pay about 13 percent more than average on car insurance in Maine. Your payment history and total debt help determine your insurance credit score. Meanwhile, your credit score combined with your driving record and claims history will help insurers determine your car insurance rate. Your credit is taken into consideration in part so that insurers can calculate your risk level and how likely you are to file a claim in the future.

Avg. Monthly Cost - for Drivers with Good Credit
$125
Avg. Monthly Cost - for Drivers with Bad Credit
$142
$17 ▴
13.60% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in Maine?

Yes, it's possible to get car insurance without a credit check in Maine. The problem is you might end up paying more for your coverage. Insurers that provide policies without a credit check will often charge more than a standard insurer. Companies do this because credit reports help them determine risk. Insurance companies that don't conduct a credit check are missing part of your background and will charge more to compensate for it.

When you're shopping for car insurance, check out at least a couple of standard companies. You might not want to go through a credit check, but at least you'll be able to see the difference in price between insurers that review your credit history and the ones that don't.

Maine Car Insurance Rates by Credit Tier

In Maine, like in many states, the idea is simple; the better credit you have, the better your chance of having a low insurance premium. Maine drivers in the excellent credit tier have an average monthly car insurance payment of $115. There isn't much separation between Maine drivers with good and average credit—just $4. Meanwhile, drivers with poor credit credit in Maine have an average monthly car insurance payment of just under $150.

Credit TierAvg. Monthly Cost
Excellent$115
Good$127
Average$131
Poor$142

Tips for Researching Bad Credit Maine Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Maine draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate 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 you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

Compare Top Auto Insurance Companies

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.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • 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.

Joe Dyton
Joe Dyton

Insurance Writer

Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.

Learn More