Best Car Insurance in Maine (2026)
State Farm, GEICO, and Travelers are three of the best car insurance companies in Maine.
Secure. Free. Easy-to-use.
4.7 / 518K reviews
)
Writer: Catherine HilesInsurance, Personal Finance Writer
Writer: Catherine HilesInsurance, Personal Finance Writer
Qualifications:
16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
)
Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
)
Reviewer: Daniel RoccatoAdvisor
Reviewer: Daniel RoccatoAdvisor
Qualifications:
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
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.
Best car insurance companies in Maine
To find the best car insurance companies in Maine, Insurify analyzed 120+ insurers. We considered car insurance rates, discounts, and coverage options, and the five companies below came out on top.
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. | $39/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. | $75/mo |
4.1
Best choice in MaineBased on 21,385 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Maine for
Showing 75 reviews from Maine driversSee all 8,237 State Farm reviews
Verified Review
Reviewed in New York on October 9, 2026
State Farm is a great company to work with. Customer service has been awesome for the last 17 years. The price is a bit high.
Verified Review
Reviewed in New York on October 1, 2026
Expect it to go up every year. Excellent claim service.
Verified Review
Reviewed in New York on September 24, 2026
I’ve been with State Farm for over 50 years with no collisions, except for deer damage (which is very hard to avoid), and their rates just keep going up and up.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
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
State Farm has some of the lowest monthly rates in Maine for liability-only and full-coverage car insurance. JD Power rates State Farm highly for customer satisfaction in the New England region. And State Farm has dozens of local Maine agents for in-person customer support.
Pros
Among the lowest rates in Maine
Above-average JD Power rating for customer satisfaction in New England
Widespread local agent presence in Maine
Cons
Fewer coverage options than some competitors
Gap insurance only available for loans originated with State Farm Bank
Low Trustpilot rating
GEICO: Best for teen drivers
| 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. | 9.2 /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. | $54/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. | $91/mo |
4.1
Best choice in MaineBased on 21,054 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.8 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Maine for
Showing 75 reviews from Maine driversSee all 8,298 GEICO reviews
Verified Review
Reviewed in New York on October 22, 2026
Prices just keep going up.
Verified Review
Reviewed in New York on October 21, 2026
So far, they are cost-effective and reliable.
Verified Review
Reviewed in New York on October 21, 2026
Excellent.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
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
GEICO’s rates for Maine teen drivers are relatively affordable compared to many insurers. Students can lower their costs further with GEICO’s DriveEasy telematics program and its good student discount.
Pros
Relatively low rates for Maine teen drivers
Several available student discounts
JD Power customer satisfaction rating meets the New England region average
Cons
Very limited agent network in Maine
Doesn’t offer gap insurance
Fewer add-ons than some competitors
Travelers: Best for senior drivers
| 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. | 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. | $69/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. | $131/mo |
4.1
Best choice in MaineBased on 1,829 verified driver reviews and ratings
Travelers's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Maine for
Showing 13 reviews from Maine driversSee all 688 Travelers reviews
Verified Review
Reviewed in New York on September 22, 2026
Too expensive.
Verified Review
Reviewed in New York on September 18, 2026
Very expensive, good coverage, and excellent service. The only downside is the price.
Verified Review
Reviewed in New York on July 15, 2026
They have the lowest rate I’ve found so far.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616
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
Travelers offers relatively low rates for senior drivers in Maine. Older drivers who prioritize safety can lower their premiums further with Travelers’ Responsible Driver Plan, which includes accident forgiveness and a decreasing deductible. Travelers also has hundreds of insurance agents in Maine available to help older adults find the right coverage.
Pros
Relatively low rates for Maine seniors
Widespread local agent presence in Maine
Additional savings through Responsible Driver Plan
Cons
Below-average JD Power rating for customer satisfaction in New England
Below-average JD Power rating for digital service experience
Low Trustpilot rating
Allstate: Best for unique coverage options
| 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. | 8.9 /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. | $143/mo |
4.1
Best choice in MaineBased on 12,420 verified driver reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Based on analysis of verified reviews collected by Insurify
Best in Maine for
Showing 42 reviews from Maine driversSee all 4,772 Allstate reviews
Verified Review
Reviewed in New York on October 15, 2026
Too expensive, and you don’t reward good drivers.
Verified Review
Reviewed in New York on September 25, 2026
Lacking. Everything was done by text or email. I never spoke with or met my agent.
Verified Review
Reviewed in New York on September 22, 2026
I would tell a friend to shop around for the best insurance quote. Allstate’s premium is high and keeps rising. They are good when it comes to claims.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
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
Allstate offers insurance coverage for electric cars, classic cars, and rideshare drivers. Maine registered more than 22,000 classic cars in 2024, according to the Maine Bureau of Motor Vehicles. If you collect classic cars, consider Allstate for your coverage. The company also offers standard car insurance to protect your daily driver.
Pros
Several special coverages available
Above-average JD Power rating for customer satisfaction in New England
Offers accident forgiveness
Cons
Rates are average compared to some Maine insurers
Below-average JD Power rating for digital shopping experience
High-risk driving may result in a rate increase with Drivewise
USAA: Best for military families
| 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. | 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. | $38/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. | $72/mo |
4.4
Best choice in MaineBased on 4,329 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.1 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.1 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Maine for
Showing 11 reviews from Maine driversSee all 1,726 USAA reviews
Verified Review
Reviewed in New York on October 12, 2026
I have never had a problem.
Verified Review
Reviewed in New York on September 1, 2026
Not all phone representatives are experienced. If you're not satisfied, call back and try again.
Verified Review
Reviewed in New York on July 15, 2026
Best price for the coverage I want.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
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
If you’re one of the thousands of Maine residents serving at a U.S. military installation like Naval Support Activity Maine, consider USAA. You can get a discount for garaging your car on base or putting it in storage during a deployment. And SafePilot Miles, USAA’s usage-based insurance program, can help lower your costs even more if you drive less than 8,000 miles a year.
Pros
Unique benefits for military families
Usage-based insurance can lower costs for deployed service members
Above-average JD Power rating for customer satisfaction in New England
Cons
Availability limited to members of the military community
No agent presence in Maine
No 24/7 customer service
How we chose the best car insurance companies in Maine
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.
Average cost of car insurance in Maine
The average cost of car insurance in Maine is $74 per month for liability-only coverage and $139 per month for full coverage. That’s much lower than the national monthly averages of $99 and $187, respectively.
Maine has the lowest percentage of uninsured drivers in the country, at just 5.7%, according to Insurance Research Council data. Fewer uninsured drivers make policies more affordable for insurers, and insurers pass those savings on to policyholders as lower premiums.
Over the last year, Maine insurance rates have been relatively stable. Costs decreased by 0.5% in the first half of 2026. Insurify’s latest auto insurance report projects Maine drivers will see a 0.1% increase by the end of 2026, with an average annual car insurance cost of $1,281.
Find Cheap Car Insurance in Maine
Liability policies average $74/mo.
Excellent
4.7 out of 5 based on 17,927 reviews
Secure. Free. Easy-to-use.
How to get the best car insurance in Maine
The following tips can help you find the best car insurance in Maine for your needs and budget:
Shop around
Compare quotes from at least three Maine insurers to find the one that best fits your budget. Make sure each car insurance quote is for the same coverage types and amounts for a fair comparison.
Consider your coverage limits
Maine requires minimum amounts of liability, medical payments, and uninsured motorist coverage.[1] Sticking to the state-minimum limits will save you money, but increasing your limits gives greater protection in the event of an accident.
Consider adding comprehensive coverage
Maine’s extreme northern location makes it at risk for severe winter storms.[2] Comprehensive insurance can help cover repairs to your car that a snow or ice storm causes. If you lease or finance your car, your lender may require you to have both comprehensive and collision insurance.
Best car insurance in Maine FAQs
The following questions and answers can help you better understand car insurance in Maine and help you find the best policy.
What are some of the best car insurance companies in Maine?
The best car insurance companies in Maine include State Farm, GEICO, Travelers, Allstate, and USAA. But the right insurer for you depends on your situation, your budget, the type of insurance coverage you need, and other factors like whether or not you prefer to work with a local agent.
What is the best car insurance company for young drivers in Maine?
GEICO is one of the best car insurance companies for young drivers in Maine. It offers relatively affordable rates for teens, plus discounts for good students and safe drivers.
What are Maine’s minimum car insurance requirements?
Maine’s minimum car insurance requirements include at least $50,000 per person and $100,000 per accident for bodily injury liability, and $25,000 for property damage liability. Alternatively, you can purchase a policy with a combined single limit of $125,000.
Maine also requires drivers to have at least $2,000 per person in medical payments coverage and $50,000 per person and $100,000 per accident in uninsured/underinsured motorist (UM/UIM) coverage.
Does Maine require uninsured motorist coverage?
Yes, Maine requires drivers to have uninsured motorist coverage. The state-minimum requirement is $50,000 per person and $100,000 per accident. Your UM/UIM coverage must be equal to your liability limit if it’s higher than the minimum. But you can waive the higher limit in writing if you choose.
Sources
- Maine Bureau of Insurance. "Insurance Required by Law."
- Maine Emergency Management Agency. "Severe Winter Storms."
- Maine Department of Professional & Financial Regulation. "A Consumer's Guide to Personal Auto Insurance."
Related articles
)
Car Insurance Requirements in Maine
Maine requires 50/100/25 limits for liability insurance, and drivers must also purchase medical payments and uninsured/underinsured motorist coverages.
Average Car Insurance Cost in Maine
Drivers in Maine pay an average of $107 per month for car insurance.
)
Cheap SR-22 Insurance in Maine From $45
The average rate for liability coverage in Maine with an SR-22 on your record is $88, but you might be able to find lower rates by comparing quotes.
Cheapest Car Insurance Quotes in Maine
USAA offers the cheapest car insurance in Maine, at $38 per month. Get an instant quote and buy a car insurance policy in minutes with our team of agents covering all 50 states and D.C.
)
The 10 Largest Auto Insurance Companies in the U.S.
Top insurers State Farm, Progressive, GEICO, and Allstate account for more than half the total car insurance market.
)
Compare car insurance quotes in real-time
October 2026 - Compare car insurance quotes from 120+ companies, including GEICO, Allstate, Progressive, and save up to 50% or more in 2 minutes.
)
Compare Car Insurance Rates From $46/mo. (Updated October 2026)
Find the lowest car insurance rates from 120+ insurers and save up to $1,100* annually with Insurify’s insurance-comparison tool.
)
How Long Does It Take to Get Car Insurance?
You can have a new car insurance policy within minutes of receiving a quote.
Writer: Catherine HilesInsurance, Personal Finance Writer
Writer: Catherine HilesInsurance, Personal Finance Writer
Qualifications:
16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Reviewer: Daniel RoccatoAdvisor
Reviewer: Daniel RoccatoAdvisor
Qualifications:
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.