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Compare car insurance in Maine

Get the cheapest car insurance in Maine for 2020


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.


Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


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

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
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Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
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Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Liberty Mutual
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Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
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Enjoy having your own dedicated agent to help you get the best discounts and coverage.
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Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
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Choose from add-ons like glass repair services and new car replacement to enhance basic coverage.

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Cheapest car insurance in Maine

CompanyAverage annual rateLearn more
State Farm$141
VA Farm Bureau$394
CompanyDirect premiums written (billions)Market share
State Farm$104,79313.7%
Liberty Mutual$65,9628.6%
Concord Group Insurance$29,1603.8%
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.

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
State Farm$362
Farm Bureau$899

Car insurance quotes in Portland

CompanyAnnual car insurance rate
State Farm$426
Farm Bureau$888

Car insurance quotes in Lewiston

CompanyAnnual car insurance rate
State Farm$382
Farm Bureau$929

Car insurance quotes in South Portland

CompanyAnnual car insurance rate
State Farm$372
Farm Bureau$873

Car insurance quotes in Augusta

CompanyAnnual car insurance rate
State Farm$402
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

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.

Get the cheapest quotes

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Frequently asked questions about car insurance in Maine

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