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Compare car insurance in Maine

Get the cheapest car insurance in Maine for 2021

The average annual cost of car insurance in Maine is $782.72. Narrow down car insurers offering coverage in Maine by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
USAA
Optional
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Liberty Mutual
Optional
30%
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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Many drivers in Maine pay less than $782.72 annually or about $65 per month for car insurance, according to the National Association of Insurance Commissioners (NAIC). Maine ranks as one of the cheapest states in the country for auto insurance, costing 34% less than the national average of $1,190 per year.

However, the NAIC’s auto insurance data takes in to account policies both with state minimum coverage and added coverage like comprehensive and collision. Because insurance rates are set based on many factors like your driving record and car, you could wind up with a different rate than Maine’s state average.

Maine car insurance quick facts

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Minimum liability requirements

50/100/25

Average annual car insurance cost according to the NAIC

$782.72

At-fault state

In at fault states, the driver who caused the accident pays for damages.

Maine’s state minimum car insurance requirements

To legally drive in Maine, you’re required to carry liability insurance as well as uninsured or underinsured motorist and medical expenses coverage. You may see the amount of coverage required written as 50/100/25.

These numbers are called the coverage limits, which are the maximum amounts that your insurance will pay after an accident. You also can choose a policy with a single limit of $125,000 that covers both injuries and property damage, called a combined single limit policy.

Let’s go into detail about what’s covered under this state minimum coverage.

Bodily Injury Liability

Bodily injury liability

  • $50,000 for bodily injuries to one person
  • $100,000 for injuries to two or more people

In Maine, you’ll need at least 50/100 in bodily injury liability, which pays up to $50,000 if you injure one person and up to $100,000 total if you injure more than one person in an at-fault accident. These limits are some of the highest required compared to other states. The coverage gives many drivers ample protection to pay for someone else’s medical bills or pain and suffering.

You might consider higher limits if you have a high net worth or significant assets — talk with your insurance agent about your specific needs. As an alternative, consider choosing the combined single limit policy which pays up to $125,000 total for accident damage, no matter how much the individual medical bills or car repairs cost.

This option gives you higher protection for most accidents than the standard 50/100/25 liability limits. However, the standard limits may provide higher coverage for severe accidents in which the other driver’s car is totaled and multiple people get injured. For the most protection, you could choose the combined single limit and pay extra for a higher limit than is required.

Property damage liability

Property damage liability

  • $25,000 for property damage liability

Maine requires $25,000 for property damage liability, an amount that’s standard across other states’ requirements. This coverage pays for damage to the other driver’s car or personal property like a smartphone or property owner’s fencing.

Think about buying a higher limit to avoid paying out of pocket if car or property damage costs more than your insurance will pay.

Personal injury protection or medical payments

Personal injury protection

  • $2,000 in medical expenses coverage to help with accident-related medical bills

Driving on Maine’s roads also means that you need medical expenses coverage. This coverage pays for medical bills for you or your passengers, including paying health insurance deductibles and co-pays for accident-related injuries.

Uninsured or underinsured motorist

Uninsured or underinsured motorist

  • $50,000 for uninsured motorist bodily injuries to one person
  • $100,000 for uninsured motorist injuries to multiple people

Maine requires you to buy uninsured or underinsured motorist coverage to pay for your or your passengers’ medical expenses if you’re hit by a driver with little to no insurance. It also kicks in for hit-and-run situations.

You can opt out of this coverage if you reject it in writing, but consider keeping it for the extra protection it offers.

Finder tip: Maine’s state minimum isn’t enough coverage

While Maine keeps some of the highest requirements for liability coverage, it still may not give you enough protection for moderate to severe car accidents. Try raising your liability limits whether or not you choose the combined single limit, and consider optional coverage based on your budget.

Most popular Maine auto insurance companies list

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%

Cheapest car insurance in Maine

CompanyAverage annual rateLearn more
State Farm$141
Patriot$322
Geico$385Get a quoteRead review
VA Farm Bureau$394
USAA$424Get a quoteRead review
Allstate$479Get a quoteRead review
MMG$543Get a quoteRead review
Travelers$804
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

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

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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