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 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.
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.
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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.
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.
$81/mo
4.1
Best choiceBased on 11,377 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 (6,077)
Dennis
Verified Review
Rip off
Reviewed in Mississippi on August 2025
Too expensive. No consideration or discount for being a veteran, very high rate even for 2 vehicles, although you can only drive 1 at a time. And apparently, they have no discount for being a senior with no violations or accidents since I started driving in 1968.
Gregory
Verified Review
It won't work with me to lower my insurance rate
Reviewed in Wisconsin on August 2025
Since I got my new car, my insurance went from $90 a month to $195 a month. I'm not happy with it.
Guy
Verified Review
State Farm fulfills their responsibility
Reviewed in Maryland on July 2025
State Farm is responsible for fulfilling their coverage requirements. I'm disappointed in the constant increases in premiums over decades as a customer. I haven't caused an accident in over 40 years, though I have had claims from hitting deer.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
664
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
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 2,129 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 (1,205)
Richard
Verified Review
I don't like that you only get the discount if you're enrolled in their monitoring safe driving program. It's not easy for someone like me who has a hard time navigating on my phone. I've tried to do it on the phone with one of their agents, but it didn't go through, so they raised my monthly payments. I'm on auto-pay, so I'm not very happy.
Reviewed in Connecticut on August 2025
I don't like that you only get the discount if you're enrolled in their monitoring safe driving program. It's not easy for someone like me who has a hard time navigating on my phone. I've tried to do it on the phone with one of their agents, but it didn't go through, so they raised my monthly payments. I'm on auto-pay, so I'm not very happy.
Robert
Verified Review
Best Value for Veterans!
Reviewed in Washington on July 2025
Top Notch! Best Insurance for Veterans!
Carol
Verified Review
I've been with them for 60 years
Reviewed in Georgia on July 2025
They offer a savings account, but you end up paying for it with higher premiums.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
741
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
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.
$73/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.
$140/mo
4.7
Best choiceBased on 911 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 (474)
Vanessa
Verified Review
Travelers Ins. Is the Best
Reviewed in Maryland on July 2025
I don’t think you could find a better company for your auto insurance. Their staff is very efficient and cordial.
John
Verified Review
Good option
Reviewed in Massachusetts on July 2025
Good prices and coverage. Prices have increased, and the replacement costs have increased. I have a disappearing deductible, but it comes at a cost.
Robert
Verified Review
Travelers is a good company
Reviewed in California on July 2025
Solid service and coverage with fine service. Nothing to be concerned about.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
623
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)
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.
$101/mo
3.9
A solid optionBased on 12,062 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 (6,450)
Nathaniel
Verified Review
Give them a try
Reviewed in Georgia on August 2025
Geico is a great insurance company. However, the pricing could be a little better. Super customer service!
Julius
Verified Review
If I could find another insurance company with the same coverage and for less money, I would leave
Reviewed in Florida on August 2025
I feel they are overpriced.
Helaine
Verified Review
Pros and Cons of GEICO
Reviewed in New Jersey on July 2025
Great customer service. Very helpful if you’ve had an accident. The policy is too expensive, although the cost is less than other insurers.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
638
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
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 881 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 (495)
Bill
Verified Review
Insurance rates are out of control
Reviewed in Colorado on August 2025
I have had overall good experiences with SafeCo. Unfortunately, rates are significantly increasing for the same coverage.
Margaret
Verified Review
I am having trouble paying my bill. I let them know, but all they could talk to me about was the late payment. I know I am going to be late, and I reached out to let them know. If I had the money, I wouldn't have made the call. I don't need to hear about late payments. Instead, can't they work with me? I am waiting to get paid. I also have rental insurance. My landlord, when I moved in here, needed a copy. They told me they would send it, but they never did.
Reviewed in Indiana on July 2025
I am having trouble paying my bill. I let them know, but all they could talk to me about was the late payment. I know I am going to be late, and I reached out to let them know. If I had the money, I wouldn't have made the call. I don't need to hear about late payments. Instead, can't they work with me? I am waiting to get paid. I also have rental insurance. My landlord, when I moved in here, needed a copy. They told me they would send it, but they never did.
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:
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.
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).
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.
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
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Based on 3,806+ reviews
4.8/5
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 $145 per month, less than the national average of $192.
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 $145 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]
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.
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
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.
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.
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