Cheap Car Insurance for High-Risk Drivers in Maine:
Costs and Quotes (2021)

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Cheapest Insurance Companies for High Risk Drivers in Maine (2021)

For drivers that are high-risk in Maine, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.

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

What Makes a Driver High-Risk in Maine?

A high-risk driver is a person who the insurance company considers more likely to file an insurance claim than the average driver. Sometimes, it's no fault of your own, and in other instances, it's in the "under your control" category. So, what specifically makes someone high-risk?

If you're a first-time driver, teenage driver, or driver age 65 or older, you're high-risk. Poor or no credit puts you there, too. And then there are slip-ups like driving with a suspended license, DUI/OUI, lapses in coverage, multiple at-fault accidents, reckless driving, and speeding. Regardless of how you made the list, you can find a manageable rate in the Pine Tree State.

Maine Car Insurance Rates for High-Risk Drivers
Average Monthly Cost
$125
$152
$161
$128
$149
No ViolationSpeeding TicketAt-Fault AccidentReckless DrivingFailure to Stop
Driving History

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

How Much Does High-Risk Driving Affect Car Insurance Rates in Maine?

Maybe it was a late morning speeding ticket, an accidental fender bender, or a quick-changing yellow light. Either way, no one ever intends to end up as a high-risk driver. So, you made a driving mistake, but does that mean it'll cost you forever?

Most insurance companies only go back three years when looking at your driving history. That said, your best bet is careful driving and no further accidents or tickets so that you can qualify for the best rates again. But even with a less-than-perfect record, you can still find competitive prices like these:

Driving History
No Violation$125
Speeding Ticket$152
At-Fault Accident$161
Reckless Driving$128
Failure to Stop$149

How Much Does a Speeding Ticket Impact Car Insurance Rates in Maine?

You missed your alarm and sped off to work or school, and that cop and his radar gun were waiting for you. A speeding ticket will kick your rate up by more than $25 per month, or $300 per year. Take a look at how a speeding ticket changes the premium for Mainers:

$125
$152
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$27 ▴Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in Maine?

Perhaps a text message or another momentary distraction caused an accident. In Maine, an at-fault accident bumps your rate up by over $35 per month, or $420 per year. Check out just how an at-fault accident changes things for high-risk drivers:

$125
$161
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$36 ▴Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Maine?

Was it still yellow, or did it turn red? A failure-to-stop ticket adds over $20 to your monthly rate, giving over 240 reasons a year to brake at the yellow light instead of speeding up. Here are the typical rates for drivers who have a clean record versus those with a failure-to-stop ticket:

$125
$149
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$24 ▴Avg. Monthly Rate Increase

Does Driving With a Suspended License Impact Car Insurance Rates in Maine?

A high-risk driver is a person who the insurance company considers more likely to file an insurance claim than the average driver. Sometimes, it's no fault of your own, and in other instances, it's in the "under your control" category. So, what specifically makes someone high-risk?

If you're a first-time driver, teenage driver, or driver age 65 or older, you're high-risk. Poor or no credit puts you there, too. And then there are slip-ups like driving with a suspended license, DUI/OUI, lapses in coverage, multiple at-fault accidents, reckless driving, and speeding. Regardless of how you made the list, you can find a manageable rate in the Pine Tree State.

Tips for Researching High-Risk Maine Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Maine draws a wide variety of choices when factoring high-risk driving insurance rates.

Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.

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Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.