Cheap Auto Insurance Quotes in Portland, ME (2021)

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Car Insurance in Portland, ME

The average cost of Maine car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Portland, ME to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$32
$54
$68
$87
$100
ProgressiveGEICOAllstateTravelersState Farm
Monthly $

Cheapest Car Insurance in Portland, ME

Here are the cheapest carriers in Portland for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$86
$90
$85
$84
$85
$87
MaineLewistonBangorSouth PortlandAuburnPortland
Monthly $

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Portland, ME Driving Facts

maine

Minimum Car Insurance Requirements in ME

The state of Maine requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in Maine are:

  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Maine state law requires are $50,000 for the injury or death of a single person involved in a car accident and $100,000 for the injury or death of multiple persons. Insurance providers list this coverage at 50/100, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $100,000 are your responsibility.

The minimum property damage liability insurance requirements in Maine are:

  • $25,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of Maine requires $25,000 for the minimum. You’ll see the collective state minimum listed at 50/100/25. The 25 refers to the property damage liability. Once again, any damages above the $25,000 are your responsibility.

What happens if someone hits you, and they do not have insurance or enough insurance to pay for your damages? Consider that the Insurance Information Institute reports 4.5 percent or just under one out of twenty Maine drivers has no insurance. That’s why the state requires minimum uninsured motorist coverage and underinsured motorist coverage at:

  • $50,000 per person
  • $100,000 per accident

Uninsured motorist bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.

Underinsured motorist bodily injury pays your medical expenses if you’re hit by someone who does not have high enough policy limits to cover your costs.

Medical Payments coverage, or Med Pay, covers you and your passengers’ medical expenses regardless of fault. The state minimum requirement for this coverage:

  • $2,000 per person per accident

Find local Portland agents

Lotfey Dennett Ins. Brokers
500 Washington Avenue, Suite 201, Portland, ME 04103
Marsh Agency Insurance
560 Brighton Avenue, Portland, ME 04102
Cross Insurance-Portland
2331 Congress St, Portland, ME 04102-1907
Coastal Insurance Group
558 Brighton Ave, Portland, ME 04102-2319
Cross Benefits Solutions-Portland
2367 Congress St., Portland, ME 04102
Maine Ins Agency-Portland
1250 Congress St, Portland, ME 04102-2135
United Ins-Portland
470 Forest Ave, Portland, ME 04101-2009
C M Bowker Company
PO BOX 567, Portland, ME 04103-4107
Holden Agency
1085 Brighton Ave, Portland, ME 04102-1024
Plummers Ins Agency
1350 Washington Avenue, Portland, ME 04103-3609

Insurify Insights: How Portland Drivers Measure Up

subaru
Subaru Forester
Most Popular Car in
Portland, ME
suspended licenses
#2
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Portland drivers measure up to their fellow Maine motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Portland

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Portland drivers rank 2 in the number of car accidents per driver across all cities in Maine.

  • Rank within state: #2
  • Percent of drivers in Portland with an accident: 10.89%
  • Drivers in Portland, ME with an accident in their driving history paid on average 36.59% more than drivers with a clean record

Speeding Portland

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Maine, Portland drivers rank 2 in the number of speeding infractions per driver.

  • Rank within state: #2
  • Percent of drivers in Portland with a speeding ticket: 8.66%
  • Drivers in Portland, ME with a speeding ticket in their driving history paid on average 19.51% more than drivers with a clean record

DUI/DWIs Portland

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Portland drivers rank 1 in the number of DUI’s per driver across all cities in Maine.

  • Rank within state: #1
  • Percent of drivers in Portland with a DUI: 1.68%
  • Drivers in Portland, ME with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Portland

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Portland is the Subaru Forester.

Hybrid/Electric Vehicle Ownership Portland

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Portland drivers rank 1 in hybrid and electric vehicle ownership across all cities in Maine.

  • Rank within state: #1
  • Percent of drivers in Portland with a hybrid/electric vehicle: 1.74%

Green Driving in Portland, ME

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The Maine Department of Environmental Protection has recently expanded its Environmental Education efforts through a new webpage and the development of curricula for middle and high school students. The EPA has offered the state over $23 million to support clean water projects. The state of Maine offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.

Greenes Cities

Portland

Greenes Cities
% of Hybrids / Electrics
2%
Most Patriotic City

Most Patriotic City

Portland

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

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.