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Maine car insurance
Compare Maine car insurance and get a quick easy quote online
Even the loveliest afternoon drive can turn perilous on Maine’s winding roadways, and inclement weather in New England can sneak up on you. So it’s really no wonder Maine requires higher car insurance minimums than many other states.
But more coverage doesn’t necessarily mean paying top dollar for your insurance. Look for custom quotes from reputable insurers offering discounts that apply to your situation. You might be surprised at how much you can save even while meeting hefty coverage requirements.
Maine
Car insurance quick facts
50/100/25
Minimum liability requirements
$1,300
Average annual car insurance cost
30
Days to update your license
At-fault state
In at fault states, the driver who caused the accident pays for damages.
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Compare Maine car insurance
Cheapest car insurance in Maine
| Company | Average annual rate | Learn more |
|---|---|---|
| State Farm | $141 | |
| Patriot | $322 | |
| Geico | $385 | |
| VA Farm Bureau | $394 | |
| USAA | $424 | |
| Allstate | $479 | |
| MMG | $543 | |
| Travelers | $804 | |
| Electric | $2,078 |
Most popular Maine auto insurance companies list
| Company | Direct premiums written (billions) | Market share |
|---|---|---|
| Progressive | $113,711 | 14.9% |
| State Farm | $104,793 | 13.7% |
| Geico | $82,369 | 10.8% |
| Liberty Mutual | $65,962 | 8.6% |
| Allstate | $53,802 | 7.0% |
| USAA | $36,850 | 4.8% |
| MetLife | $29,311 | 3.8% |
| Concord Group Insurance | $29,160 | 3.8% |
| Travelers | $26,295 | 3.4% |
| The Hanover | $24,586 | 3.2% |
Average insurance costs in Maine
This state is routinely ranked as one of the cheapest in the country for car insurance — most motorists pay less than $1,000 annually for their coverage. This is significantly less than the national average of $1,200-$1,300, and a far cry from average car insurance costs in Michigan, which can top $2,200 a year.
However, because insurance rates are determined by a lot more than location, you could still wind up paying significantly more or less than Maine’s state average. Taking control of your finances and making smart choices can help keep your costs down without eliminating the coverage you need.
Which city has the cheapest car insurance in Maine?
Of Maine’s largest cities, Bangor has the cheapest rates and Lewiston has the most expensive car insurance rates. Lewiston drivers could face rates 4 times more than Bangor drivers.
Car insurance quotes in Bangor
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1271 |
| Geico | $1158 |
| State Farm | $362 |
| USAA | $1320 |
| Farm Bureau | $899 |
Car insurance quotes in Portland
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1184 |
| Geico | $1165 |
| State Farm | $426 |
| USAA | $1283 |
| Farm Bureau | $888 |
Car insurance quotes in Lewiston
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1230 |
| Geico | $1083 |
| State Farm | $382 |
| USAA | $1393 |
| Farm Bureau | $929 |
Car insurance quotes in South Portland
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1184 |
| Geico | $1052 |
| State Farm | $372 |
| USAA | $1186 |
| Farm Bureau | $873 |
Car insurance quotes in Augusta
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1212 |
| Geico | $1165 |
| State Farm | $402 |
| USAA | $1303 |
| Farm Bureau | $893 |
Driving requirements in Maine
To legally drive in Maine, you’re required to carry liability insurance that includes at least:
- $50,000 of bodily injury coverage per person.
- $100,000 of bodily injury coverage per accident.
- $25,000 of property damage coverage per accident.
When shopping for auto insurance, you may see these liability limits written as 50/100/25. In Maine, you have the option to choose a combined single-limit policy that includes both bodily injury and property damage liability of $125,000 per incident.
Unlike many other states, you’re also required to carry uninsured/underinsured motorist insurance that includes at least:
- $50,000 uninsured/underinsured motorist coverage per person.
- $100,000 uninsured/underinsured motorist coverage per accident.
- $2,000 medical expenses coverage to help with accident-related medical bills.
Can I get SR-22 insurance in Maine?
Yes, you can get SR-22 insurance in Maine. You might need this if you’ve been convicted of DUI, if you were caught driving without car insurance or if you’ve accumulated too many violation points on your record.
Bottom line
Afternoon drives in Maine are lovely and beautiful. But there’s something to be said for knowing you’re covered in the event of an emergency.
Get the best price on your car insurance by shopping around for the coverage — and discounts — that are right for you.
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Frequently asked questions about car insurance in Maine
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