Best cheap car insurance in Maine for 2021 | finder.com

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Compare car insurance in Maine

Get the cheapest car insurance in Maine for 2021

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Augusta Waterfront
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.

Compare Maine car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus freebies and AARP member perks like free replacement cost coverage. Only for drivers over age 50.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Gabi
Optional
Optional
55%
All 50 states
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
Farmers
15%
All 50 states
Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.
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Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
Progressive$113,71114.9%
State Farm$104,79313.7%
Geico$82,36910.8%
Liberty Mutual$65,9628.6%
Allstate$53,8027.0%
USAA$36,8504.8%
MetLife$29,3113.8%
Concord Group Insurance$29,1603.8%
Travelers$26,2953.4%
The Hanover$24,5863.2%

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.

Cheapest car insurance in Maine

CompanyAverage annual rateLearn more
State Farm$141Get a quote
Patriot$322
Geico$385Get a quote
VA Farm Bureau$394
USAA$424Get a quote Read review
Allstate$479Get a quote
MMG$543Get a quote Read review
Travelers$804Get a quote
Electric$2,078

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

CompanyAnnual car insurance rate
Allstate$1271
Geico$1158
State Farm$362
USAA$1320
Farm Bureau$899

Car insurance quotes in Portland

CompanyAnnual car insurance rate
Allstate$1184
Geico$1165
State Farm$426
USAA$1283
Farm Bureau$888

Car insurance quotes in Lewiston

CompanyAnnual car insurance rate
Allstate$1230
Geico$1083
State Farm$382
USAA$1393
Farm Bureau$929

Car insurance quotes in South Portland

CompanyAnnual car insurance rate
Allstate$1184
Geico$1052
State Farm$372
USAA$1186
Farm Bureau$873

Car insurance quotes in Augusta

CompanyAnnual 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.

How to file an SR-22 in Maine

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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.

Frequently asked questions about car insurance in Maine

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