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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.
Car insurance quick facts
In at fault states, the driver who caused the accident pays for damages.
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% |
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.
Company | Average annual rate | Learn more |
---|---|---|
State Farm | $141 | Get a quote |
Patriot | $322 | |
Geico | $385 | Get a quote |
VA Farm Bureau | $394 | |
USAA | $424 | Get a quote Read review |
Allstate | $479 | Get a quote |
MMG | $543 | Get a quote Read review |
Travelers | $804 | Get a quote |
Electric | $2,078 |
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.
Company | Annual car insurance rate |
---|---|
Allstate | $1271 |
Geico | $1158 |
State Farm | $362 |
USAA | $1320 |
Farm Bureau | $899 |
Company | Annual car insurance rate |
---|---|
Allstate | $1184 |
Geico | $1165 |
State Farm | $426 |
USAA | $1283 |
Farm Bureau | $888 |
Company | Annual car insurance rate |
---|---|
Allstate | $1230 |
Geico | $1083 |
State Farm | $382 |
USAA | $1393 |
Farm Bureau | $929 |
Company | Annual car insurance rate |
---|---|
Allstate | $1184 |
Geico | $1052 |
State Farm | $372 |
USAA | $1186 |
Farm Bureau | $873 |
Company | Annual car insurance rate |
---|---|
Allstate | $1212 |
Geico | $1165 |
State Farm | $402 |
USAA | $1303 |
Farm Bureau | $893 |
To legally drive in Maine, you’re required to carry liability insurance that includes at least:
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:
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.
Compare car insurance companies near you.
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