Best Car Insurance in Maine (2025)

State Farm, USAA, and Travelers are among the top auto insurers in Maine.

Joe Dyton
Written byJoe Dyton
Joe Dyton
Joe DytonInsurance 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.

Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

Featured in

media logomedia logomedia logomedia logo
Daniel Roccato
Reviewed byDaniel Roccato
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Updated

Save up to $1,025 by comparing quotes from the top 120+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Shopping for car insurance can be challenging, especially for new drivers. Everyone has different priorities for what they want in an auto insurer. Insurify analyzed 50 auto insurance companies to help you determine the best car insurance options in Maine.

If you’re in the market for car insurance, keep reading to gather more information about the top Maine insurance companies.

Best car insurance companies in Maine

Maine has no shortage of car insurance companies. That’s why you should always compare multiple insurers’ prices, coverages, and discounts before you purchase or renew your car insurance policy.

Here’s a look at five companies with the best car insurance in Maine.

State Farm: Best overall

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
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.
$82/mo
4.1
Best choiceBased on 11,229 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,032)

Larry

June 22, 2025

Verified Review

Not the way they used to be

While the rate is fairly competitive, the company is extremely slow in providing purchased policy information, as well as non-existent notifications and updates via their apps and online service. Totally frustrated with them.

Carol

June 21, 2025

Verified Review

Poor return for price

Poor communication, did not change policy when circumstances changed, and was charged far more than usual.

Rickey

June 21, 2025

Verified Review

State Farm Issues

They won't even send me a bill anymore. It feels like they're trying to force me to quit. My insurance has doubled, and they act like they don't know why. I've been a faithful customer for over 25 years, and now I get poor service and double the rates.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
838
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Saving money is a priority for many car insurance shoppers. The State Farm Personal Price Plan makes it easier for Maine drivers to do so. With the Personal Price Plan, you’re in full control of selecting the coverages, discounts, deductible amounts, and more to create a car insurance policy that fits your needs and budget.

Pros
  • Many discounts available

  • Agents in more than a dozen Maine cities

  • Can file a claim online, over the phone, or through the mobile app

Cons
  • Accident forgiveness not available

  • Gap insurance not available

  • Not as many discounts as some insurers

USAA: Best for military families

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
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.
$40/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
4.9
Best choiceBased on 2,095 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,192)

John

June 17, 2025

Verified Review

USAA Critique

High exposure in the South and East leads to higher premiums. They do have a SafePilot program, which I use. They also have a cashback program, which I use.

Marlon

June 15, 2025

Verified Review

Don't let them hook you

Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.

Timothy

June 10, 2025

Verified Review

The Old Bait and Switch

There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
884
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA provides auto insurance exclusively for military service members and their families. The more than 100,000 military veterans living in Maine and active-duty military members alike can score low rates on their car insurance.[1] Additionally, USAA’s SafePilot and usage-based app programs help you save even more on coverage.

Pros
  • Savings of up to 30% with SafePilot program

  • Many discounts tailored for military personnel

  • Usage-based coverage available

Cons
  • Coverage available only to military members and families

  • Must make some policy changes over the phone

  • Live customer service not available 24/7

Travelers: Best for young drivers

User Reviews
4.7
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
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.
$72/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.
$142/mo
4.7
Best choiceBased on 902 verified guest reviews and ratings
How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (469)

John

June 20, 2025

Verified Review

Looking for Good Car Insurance at a Reasonable Rate

Simply stated, Travelers has given me a good rate and the service they promise.

Bonnie

June 19, 2025

Verified Review

My Travelers Insurance

I have not had a claim, so I don't know their habits. I have had no contact with any agents since taking out the policy. I am very disappointed with the amount of annual price increases. They offer nice options for payment schedules; however, it's not really a deal breaker one way or another.

Jay

June 17, 2025

Verified Review

Get Gap or Prepare to Take a Loss if an Accident Occurs

Partially my fault for not having gap insurance, but they’re quick to total a vehicle approaching 70% of what they value your car at the time of an accident claim. This is guaranteed to be much less than your payoff if financed within the last 2 or 3 years typically. You will feel like it could and should have been repaired for sure, as they disregard your losses in favor of any gains for them.
See all Travelers reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
816
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Maine has slightly more than 1 million licensed drivers, and almost 50,000 of them are teenagers.[2] Travelers not only has 165 local agents throughout the state but also a number of car insurance discounts tailored toward teen drivers. These discounts include good student, driver training, and student away-at-school discounts.

Pros
  • Many discounts available

  • Savings possible with IntelliDrive telematics program

  • Gap and rental car coverage available

Cons
  • Many negative customer reviews with the Better Business Bureau

  • Higher-than-average number of complaints with the National Association of Insurance Commissioners (NAIC)

  • Rideshare insurance not available

GEICO: Best for senior drivers

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.2 /10
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.
$63/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.
$83/mo
4.0
Best choiceBased on 11,962 verified guest reviews and ratings
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,425)

Stephen

June 18, 2025

Verified Review

Insurance premiums are too high

My experience with Geico has been good, but my premiums are very high due to claims.

Ana

June 17, 2025

Verified Review

Thought it was going to be lengthy but it wasn't. Comparing rates was very easy.

Take the time to compare rates. It is worth it.

Sarah

June 16, 2025

Verified Review

Friendly but Incompetent Customer Service

Their customer service reps are friendly but not particularly helpful. My registration got suspended because they had my VIN wrong, even though when I called they assured me they had it corrected in their system. I didn't find out until I got pulled over by a cop for not having valid registration.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Almost one-quarter of Maine’s population (23%) are older than 65, making it the oldest state in the U.S.[3] Seniors residing in Maine could leverage a number of GEICO’s available discounts to lower their car insurance premiums. Older Maine drivers could take a defensive driver course or maintain a clean driving record to save on their car insurance.

Pros
  • Low rates and car insurance discounts for senior drivers

  • Accident forgiveness available after five years

  • 24/7 customer service

Cons
  • Only one agent in Maine

  • Gap insurance not available

  • Few add-on coverages

Safeco: Best for low rates

User Reviews
4.4
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.1 /10
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.
$68/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.
$107/mo
4.4
Best choiceBased on 868 verified guest reviews and ratings
How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (489)

Ray

June 18, 2025

Verified Review

Heads Up

Watch for the rising rates after a year.

Jerri

June 6, 2025

Verified Review

SAFECO Ins. - Not for Me

WARNING - Stick with whatever payment plan you begin with. I used to pay in full for each six-month policy. Last month I was short, so I paid 72% of my six-month premium on the 6th and tried to pay the balance on the 28th. (Premium for the six months was due on May 1.) They refused the payment and canceled my policy. I had been with them since 2021. No loyalty - no reinstatement, they just sent me a refund less one month! BEWARE - they would not negotiate at all, no renewal. Then they showed I had no insurance and the rate skyrocketed everywhere because when they checked me out online, it said I currently had no insurance!

Pat

May 30, 2025

Verified Review

Not Satisfied

Rates go up each year with no claims.
See all Safeco reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Many factors can go into deciding on the best car insurance in Maine, but sometimes it just comes down to price. Safeco could be a good choice for Maine drivers looking for a low car insurance premium because it has some of the lowest rates in the state.

Pros
  • Some of the lowest rates in Maine

  • Cash back for going six months claims-free

  • Savings possible with RightTrack program

Cons
  • Quotes only available through an agent

  • Limited coverage options

  • Fewer discounts and coverages than competitors

  • Our editorial team analyzed regional and national auto insurance companies that sell policies in Maine to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.

How to get the best car insurance in Maine

With so many choices, it can be difficult to decide on the best car insurance in Maine. Here are a few tips to help you select the best auto insurance company for you:

  • illustration card https://a.storyblok.com/f/162273/150x150/13c17bd678/car-service-96x96-orange_027-car-lift.svg

    Consider how much coverage you need

    How much protection does your car need? If you’re driving a brand-new vehicle, you’ll probably want comprehensive and collision coverage. If you took out a car loan to purchase your vehicle, your lender may require you to have full coverage. On the other hand, if you drive a paid-off vehicle or one on the older side, liability insurance may be enough coverage for you.

  • illustration card https://a.storyblok.com/f/162273/150x150/edb628e3ac/insurify-icons-auto-blue-96x96_013-family.svg

    Read policyholder reviews

    A good quote, multiple discounts, and a variety of coverages you need might be enough to make a car insurance company stand out as having the best car insurance in Maine for you. If you’re still not sure, though, read what others have said about the insurer you’re considering. Look for the J.D. Power ratings, how the insurer fared on the Better Business Bureau (BBB) website, and how many complaints it received through the National Association of Insurance Commissioners (NAIC).

  • illustration card https://a.storyblok.com/f/162273/150x150/75872bbafd/money-96x96-green_033-magnifying-glass.svg

    Check out discounts

    You may be interested in the quote you received from your car insurance company of choice, but you could have a chance to save more on your premium. Look at what discounts each insurer offers. You could save money by having certain safety features in your vehicle, insuring multiple vehicles on your policy, or using the same insurance company to protect your car and home.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    Comparison shop

    You might like the quote you get from the first car insurance company you shop with. But it’s a competitive market, so it’s worthwhile to get car insurance quotes from at least three different companies to ensure your coverage needs are met. You may find that the insurer that offers the lowest price doesn’t offer some of the coverage that matters most to you.

Find Cheap Car Insurance in Maine

Check quotes from 120+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Average cost of car insurance in Maine

The average cost of liability car insurance in Maine is $82 per month. This is less than the national average of $107. Meanwhile, full-coverage car insurance in Maine is $147 per month, less than the national average of $195.

Maine has required car insurance policies to provide coverage up to $500 per accident for towing and storage since July 1, 2024. This new coverage is in addition to Maine’s longstanding minimum car insurance requirements, which include bodily injury coverage and property damage liability coverage.

Best car insurance in Maine FAQs

The information below can help answer your remaining questions about finding the best car insurance in Maine.

  • How much is car insurance in Maine?

    Maine drivers pay a monthly average of $82 for liability coverage and $147 for full coverage, Insurify data shows.

  • What are the best car insurance companies in Maine?

    State Farm, GEICO, USAA, Safeco, and Travelers are among the best car insurance companies in Maine. But determining the best insurer for you will depend on your budget, how much coverage you need, and any other unique circumstances you may have.

  • What is the required auto insurance coverage amount in Maine?

    Maine’s minimum coverage requirements include bodily liability insurance of $50,000 per person and $100,000 per accident; $25,000 per accident in property damage liability coverage; $50,000 per person in uninsured motorist coverage; and $100,000 per accident and $2,000 in medical payments coverage.[4]

Sources

  1. USA Facts. "Veterans in Maine."
  2. State of Maine. "TECHNICAL ASSESSMENT of the DRIVER EDUCATION PROGRAM."
  3. Maine.gov. "Ageism Awareness Day 2024: Shifting Demographics & Contributions of Older Adults."
  4. Maine Bureau of Insurance. "Insurance Required by Law."
Joe Dyton
Joe DytonInsurance 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.

Chris Schafer
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

Featured in

media logomedia logomedia logomedia logo
Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate