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Maine Car Insurance for High Risk Drivers (With Quotes)

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Courtney Roy

By: Courtney Roy

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Cheapest Insurance Companies for High Risk Drivers in Maine (2022)

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.

CarrierAvg. Monthly Cost
Travelers$89
Nationwide$139
Liberty Mutual$141
The General$161
American Family Insurance$200

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

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

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 HistoryAvg. Monthly Cost
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:

No Violation - Avg. Monthly Rate
$125
Speeding ticket - Avg. Monthly Rate
$152
$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:

No Violation - Avg. Monthly Rate
$125
Speeding ticket - Avg. Monthly Rate
$161
$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:

No Violation - Avg. Monthly Rate
$125
Speeding ticket - Avg. Monthly Rate
$149
$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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FAQs - Maine Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Maine. Insurify analyzed the latest data for the five most populous cities in Maine to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Maine and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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  • Personalized quotes in 5 minutes or less
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  • The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

    Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

    With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Courtney Roy
Courtney Roy

Insurance Writer

Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.

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