Cheap Auto Insurance Quotes in Waterville, ME (2021)

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Car Insurance in Waterville, 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 Waterville, ME to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$29
$57
$65
$79
$85
ProgressiveGEICOAllstateTravelersState Farm
Monthly $

Cheapest Car Insurance in Waterville, ME

Here are the cheapest carriers in Waterville 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)
$85
$87
$90
$85
$84
$78
MainePortlandLewistonBangorSouth PortlandWaterville
Monthly $

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Waterville, 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 Waterville agents

GHM Agency
51 Main Street, Waterville, ME 04901
Flewelling Cheryl
226 Main St, Waterville, ME 04901
Allen Financial
47 Main Street, Waterville, ME 04901
Cornerstone Insurance Agency
61 ME-11, Waterville, ME 04901
AAA Northern New England
13 Washington St, Waterville, ME 04901
Michael Lee - State Farm Insurance Agent
328 Main St, Waterville, ME 04901
John Fortier - State Farm Insurance Agent
16 Silver St, Waterville, ME 04901
Maroon Insurance Agency
102 Silver St, Waterville, ME 04901
Freil John B
51 Main St, Waterville, ME 04901
Weber Insurance
39 Silver St, Waterville, ME 04901

Insurify Insights: How Waterville Drivers Measure Up

chevrolet
Chevrolet Impala
Most Popular Car in
Waterville, ME
suspended licenses
#--
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 Waterville 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.

Most Popular Vehicle Waterville

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Waterville is the Chevrolet Impala.

DUI/DWIs Waterville

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

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

Speeding Waterville

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

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

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.