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Cheap Auto Insurance Quotes in Portland, ME (July 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 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.

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.

Quick Facts

  • The average cost of car insurance in Portland is $113 per month, or $1356 annually.
  • Car insurance in Portland is $12 less than the average cost of car insurance in Maine.
  • The cheapest car insurance provider in Portland on average is Kemper Preferred, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Progressive
$32
GEICO
$54
Allstate
$68
Travelers
$87
State Farm
$100

Cheapest Car Insurance in Portland, ME

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in PortlandQuotes
Progressive$32 /mo
GEICO$54 /mo
Allstate$68 /mo
Travelers$87 /mo
State Farm$100 /mo

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Average Car Insurance Cost

Maine Cities
Lewiston$147/mo
Bangor$85/mo
South Portland$84/mo
Auburn$85/mo
Portland$87/mo
Maine$98/mo
South Portland
$84
Bangor
$85
Auburn
$85
Portland
$87
Average for ME
$98
Lewiston
$147
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Maine

All motor vehicles operated or parked on Maine roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Maine are:

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

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Maine is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $100,000 per accident for uninsured/underinsured motorists

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Maine, drivers are required to purchase coverage for both uninsured and underinsured drivers for bodily injury.

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
View more

FAQs - Portland, ME Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • 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.

Insurify Insights

How Portland Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Portland, Maine below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Portland drivers measure up to their fellow motorists across Maine in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

subaru

Subaru Forester

Most Popular Car in Portland

#2

City with the Most Speeding Tickets Rank in Maine

#1

City with the Most Moving Violations Rank in Maine

#1

City with the Most DUIs Rank in Maine

#2

City with the Most Suspended Licenses in Maine

  • 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 pay on average 36.59% more than drivers with a clean record
  • 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 pay on average 19.51% more than drivers with a clean record
  • 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 pay on average 0% more than drivers with a clean record
  • 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.

  • 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%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra

Insurance Content Project Manager

Tanveen Vohra is an insurance content project manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

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