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.
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Shopping for car insurance can be challenging. 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.
$82/mo
4.2
Best choiceBased on 9,994 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 (5,514)
Vicki
March 16, 2025
Verified Review
Not good
They never returned my phone calls.
Anthony
March 16, 2025
Verified Review
Everything was fine
Good.
Michael
March 16, 2025
Verified Review
Homework
No problem at all. Just looking for a better price.
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.
0.78
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.
9.4 /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.
$79/mo
4.9
Best choiceBased on 1,804 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 (1,037)
Joe
March 16, 2025
Verified Review
USAA Too Expensive for the Average Serviceman, A Group They Claim to Support
Their prices have increased considerably in recent years.
Carl
March 15, 2025
Verified Review
Excellent
They are awesome!
Gary
March 15, 2025
Verified Review
Insurance Rates
They are absolutely not affordable. I am trying to find cheaper rates.
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.
1.35
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.
9.0 /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.
$142/mo
4.7
Best choiceBased on 822 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 (434)
Anita
March 15, 2025
Verified Review
Not Fully Satisfied
My friends and I have discounted Travelers for increasing my policy at every renewal, no matter how well I drive.
Thomas
March 14, 2025
Verified Review
They need to have better rates. I used to pay $840.00 per year, but with Travelers, I would be paying $1,760.00 per year.
They need to have better rates. I used to pay $840.00 per year, but with Travelers, I would be paying $1,760.00 per year.
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.
0.94
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.
9.0 /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.
$123/mo
4.0
Best choiceBased on 11,028 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 (6,044)
Charlene
March 16, 2025
Verified Review
Fair
Your insurance should not cost as much as your car payment each month.
Thomas
March 16, 2025
Verified Review
Clean Record Doesn't Prevent Policy Increases
It's positive overall, except for the policy's constant increase regardless of your driving record.
Jay
March 16, 2025
Verified Review
Initial Low Rates Followed by Yearly Increases
My homeowners and bundled auto insurance increased by over $950 from one year to the next, despite having no claims or tickets. I found better insurance coverage with State Farm, which was over 50% cheaper.
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.
0.74
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.
8.3 /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.
$60/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.
$97/mo
4.5
Best choiceBased on 800 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 (449)
Jason
March 16, 2025
Verified Review
Great Insurance, But Not for Those on a Budget
It's a great insurance company, it just got too expensive for me.
Pamela
March 12, 2025
Verified Review
Nothing but positive about Safeco
They are very responsive to questions. I have no claims, so I have not experienced that aspect with them.
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.
1.08
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. Still, 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 $105. Meanwhile, full-coverage car insurance in Maine is $149 per month, less than the national average of $197.
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 $149 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.
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