How to Find the Best Car Insurance
for High Risk Drivers in Maine

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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
No Violation
$152
Speeding Ticket
$161
At-Fault Accident
$128
Reckless Driving
$149
Failure to Stop for Red Light / Stop Sign
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.

What Are the Best Car Insurance Companies for High-Risk Drivers in Maine?

It might surprise you to find out there are companies that specialize in high-risk drivers. If you widen your search, you're bound to find one that works for your budget. Check out these cheap car insurance companies for high-risk drivers in Maine:

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

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 for Red Light / Stop Sign$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
No Violation - Avg. Monthly Rate
$152
Speeding 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
No Violation - Avg. Monthly Rate
$161
Speeding 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
No Violation - Avg. Monthly Rate
$149
Speeding 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.