Compare and save on car insurance
Enter your ZIP code to see insurers near you.
Your information is secure.
Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure
Compare car insurance in Maine
Get the cheapest car insurance in Maine for 2022
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
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
- $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
- $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 (PIP)
- $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
- $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.
In Maine, the driver at fault pays for damage
Maine is an at-fault state, which means that the driver who causes the car accident pays for the damage. Your insurance company and legal authorities will figure out who’s at fault, based on the accident details.
However, Maine also considers whether both drivers are partially at fault under its modified comparative fault law, according to the legal website Nolo. Under this law, both drivers are assigned a share of fault. Drivers can get paid for their damages as long as they don’t share more responsibility for the accident than other drivers.
For example, if you’re 80%, your insurance will pay 80% of the other driver’s damages. However, since you share more of the fault than the other driver, that driver isn’t required to pay for your damages.
Cheapest rates by age in Maine
If you’re a young driver under age 25 in Maine, expect to pay up to 2.5 times more than other ages, depending on the company you choose. Geico helps out this age group. However, the cheapest company jumps around for other age groups. Shopping around can pay off with big savings in Maine.
| Age | Liberty Mutual | Progressive | Geico |
|---|---|---|---|
| 16-24 | – | $183.00 | $148.47 |
| 25-34 | $108.13 | $97.78 | $100.47 |
| 35-44 | $95.24 | $89.18 | $82.23 |
| 45-54 | $72.38 | $77.24 | $79.73 |
Cheapest rates by gender in Maine
When looking at car insurance costs for men versus women, you can pay widely different prices based on your gender. Men may find the best deal with Geico, while it may be Liberty Mutual for women.
| Company | Liberty Mutual | Progressive | Geico |
|---|---|---|---|
| Men | $101.72 | $131.17 | $94.52 |
| Women | $93.54 | $105.91 | $94.97 |
Sample rates in Maine from major car insurance companies
Major branjds may charge much more than Maine’s average for car insurance. In this sample, Geico and Liberty Mutual stick close together for low prices, based on cost information from Savvy.
| Company | Liberty Mutual | Progressive | Geico |
|---|---|---|---|
| Rate | $95.88 | $116.73 | $94.72 |
Best car insurance in Maine
Since Mainers don’t pay as much for insurance as those in other states, you can enjoy freedom of choice for your car insurance company. You’ll find solid big-name brands as well as local names.
To discover the best companies, we looked at ratings from J.D. Power, Better Business Bureau, AM Best and the National Association of Insurance Commissioners. We also vetted companies’ coverage, perks and discounts to make sure you’re getting the best deal.
Best value for coverage: Progressive
Progressive
Finder rating 4 / 5 ★★★★★
Progressive is a sought-after choice because the company covers all your bases for car insurance and throws in perks to boot. You automatically get grace after your first minor accident and can earn or buy accident forgiveness for more costly accidents.
We've also found Progressive to be one of the cheapest national brands for many drivers. The cost of car insurance averages 31% less for safe drivers, and nearly everyone will qualify for at least one of its many discounts.
Pros
- Save 30%+ by tracking driving or staying claim free
- Popular choice as the No. 3 biggest US car insurance company
- Competitive rates for many drivers
- Pricing tool helps you buy within your budget
Cons
- Slow to respond to complaints
- Must be a 5-year customer to qualify for accident forgiveness
| Telematics | Snapshot |
|---|---|
| Gap insurance | loan/lease coverage |
Best for low-mileage drivers: Nationwide SmartMiles
Nationwide
Finder rating 4 / 5 ★★★★★
If you drive less than 10,000 miles each year, SmartMiles could save you hundreds of dollars on car insurance by charging you per mile. Your quote includes a flat rate and a per-mile rate such as five to seven cents per mile. You could save over $400 per year off the national average rate for driving 6,000 miles, according to Nationwide.
This unique policy is backed by a reputable brand with decades of experience. Nationwide is the eighth-largest car insurance company in the US, showing that many people trust it for their insurance needs.
Pros
- Nearly 100 years of experience in the industry
- Extra 10% discount for safe driving
- Miles over 250 per day are free
- Doesn't use your cell phone data
Cons
- Rates may go up if you don't drive safely
- Not compatible with every vehicle
- Mileage tracked through plugin device, not app
| Telematics | Yes |
|---|---|
| Gap insurance | Yes |
Best regional company: Amica
Amica
Finder rating 4 / 5 ★★★★★
Amica excels all around in its coverage, perks and customer service. It offers accident forgiveness and lowering deductibles to reward safe drivers. You can also get gap coverage, use rental reimbursement for rideshares or taxis and repair or replace your windshield without worrying about a deductible.
To get the most bang for your buck, bundle your insurance policies as Amica offers one of the highest bundling discounts around.
Pros
- No. 1 for customer satisfaction by J.D. Power in New England
- Up to 30% for bundling insurance policies
- Dividend policies give money back if Amica makes a profit
- Extensive coverage like rental car reimbursement up to $5K
Cons
- Rates typically cost more than other companies
- No program for tracking your safe driving for a discount
| Telematics | StreetSmart |
|---|---|
| Gap insurance | Yes |
Best customer service: The Hanover
Hanover
Finder rating 4 / 5 ★★★★★
The Hanover stands out with its customer experience, backed by nearly 5 stars out of 5 from over 1,900 Trustpilot reviews. The company keeps a local feel by working purely through independent agents.
In terms of coverage, you can choose from a variety of extras like deductible dividends. Plus, if you insure a high-value vehicle, you'll get up to $6K in rental car reimbursement after an accident, global rental car insurance, repairs with original manufacturer parts and more.
Pros
- Thousands of 5-star customer ratings on Trustpilot
- Personalized service through an agent
- Covers high-value vehicles with extended coverage options
- Teen driving programs and perks lower rates for parents
Cons
- No online quotes
- Average mobile app experience
| Telematics | SmartPath for teen drivers |
|---|---|
| Gap insurance | Yes |
7 factors that affect your car insurance premium in Maine
Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is, the less you pay. And the riskier you are, the more you’ll pay. We’ll break down Maine’s rating factors to keep in mind.
| Factor | How it affects your rates |
|---|---|
 Age | How old you are is a top factor in determining your car insurance rates. With each passing year, you earn more experience on the road. More experience can equal cheaper rates. Teen drivers pay the most, but rates begin to level off around your 20s with drivers over 50 paying the least. |
 Gender | Maine takes gender into account when determining your rates. On average, men in Maine pay more for car insurance than women. The average annual premium across all age categories for men is $926 while women pay an average of $899. Maine is the fourth state in the country to add non-binary as a driver gender designation option. |
 Location | Where you live affects your rates, including where you park your car. High theft rates, high traffic and a high number of uninsured drivers could mean higher rates. When it comes to vehicle theft, Maine is the second-lowest state in the country. For every 100,000 inhabitants, approximately 63.8 vehicles were stolen, according to Statista. The national average across the US is 246 cars for every 100,000 inhabitants. As for uninsured drivers, 4.9% of Mainers on the road are uninsured. That ranks the state 48th out of 50 states for uninsured drivers, according to Insurance Information Institute. |
 Driving Record | The better your record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. A DUI in Maine can increase your rate by an average of 45%. These types of violations typically stay on your record for about five years. Maine drivers with a clean driving record pay approximately $927 annually while Maine drivers with a minor at-fault collision pay approximately $1,359 annually. |
 Vehicle and mileage | Your car’s make, model and trim directly affect how much you’ll pay for car insurance. Things like its cost, safety ratings, the likelihood of theft and sportiness all help insurers determine its cost to insure. Safer and cheaper vehicles score the lowest rates, with luxury vehicles with higher repair costs resulting in higher premiums. And, the more you’re on the road, the more at-risk you are to get in an accident, which means higher premiums. According to the Bureau of Transportation, Mainers drive around 33.9 miles per day, which is under the national average of 36.1 miles per day. |
 Credit score | Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates. Maine insurers charge the highest coverage rates for drivers with poor credit histories. Drivers with good credit scores could see an annual insurance rate of about $971. These rates rise to about $1,373 with a fair credit score and approximately $1,661 for those with poor credit. |
 Coverage | The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. If you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too. Higher deductibles mean lower monthly premiums. Low coverage costs in Maine average to about $445 yearly, whereas high coverage can be anywhere around $1,033 on average. |
Coverage that we recommend in Maine
The purpose of your car insurance is to help you recover financially after an accident. While Maine’s required coverage gives you a solid starting point, you need extra protection to cover other types of damage. Coverage you may need:
Higher limits for liability and PIP
Maine keeps higher standards for liability than most states. However, the state’s limits for liability coverage or personal injury protection aren’t enough protection for every driver.
Think about upping your liability limits to make sure that all the damage you cause is covered by your insurance. Also, consider whether you need more PIP to pay for medical expenses if you or your passengers get injured.
You can ask your insurance agent or financial adviser how much liability and PIP coverage makes sense for you.
Collision
If you’re at fault in an accident, remember that your liability coverage doesn’t pay for your car damage. It pays for damage to someone else’s property. To cover your own car damage in this case, you’d need to add collision coverage to your policy.
Consider collision coverage if . . .
- Your car loan requires it.
- It costs less than your car’s value.
- You can’t pay for car repairs or another car out of pocket.
- You drive your car regularly, such as for commuting.
Comprehensive
Car thefts happen far less in Maine than in other states. However, comprehensive coverage can help with other damage, including vandalism, windshield cracks or weather damage.
Consider this coverage if . . .
- It’s required for your car loan.
- You can’t repair or replace your car out of pocket.
- Your area has a high risk of theft or serious storms.
Uninsured or underinsured motorist
Maine drivers stay insured more often than not. However, you may want uninsured or underinsured motorist coverage in case you get in an accident with a driver who doesn’t have the proper insurance.
Think about adding it, even though Maine is an opt-out state for uninsured or underinsured motorist coverage.
Consider this coverage if . . .
- You can’t pay for car repairs or another car on your own.
- You don’t have health insurance.
- Your health insurance has high out-of-pocket costs.
Top 10 auto insurance companies in the USA that serve Maine
See the top insurers by market share nationally that serve in Maine, according to S&P Global. To help you choose the right company for you, we list each company’s ratings from top rating agencies, including:
- The Better Business Bureau (BBB) rating scores how a business interacts with its customers, rating insurers as high as A++.
- J.D. Power scores companies based on customer satisfaction with their price, billing, claims and customer support. The agency scores out of 1,000 points.
- The National Association of Insurance Commissioners (NAIC) complaint index shows how a company’s number of complaints compares to similar companies. Scores lower than 1.00 show that the company sees fewer than the average number of complaints. Scores above 1.00 show more complaints than average.
- Our Finder score rates companies based on their coverage, discounts as well as the BBB, J.D. Power and NAIC ratings.
 | ★★★★★ 4/5 | |||||
 | ★★★★★ 4/5 | |||||
 | ★★★★★ 4/5 | |||||
 | ★★★★★ 4/5 | |||||
 | ★★★★★ 4/5 | |||||
 | ★★★★★ 4/5 | |||||
 | ★★★★★ 4/5 | |||||
 | ★★★★★ 4/5 | |||||
 | ★★★★★ 4/5 | |||||
 | ★★★★★ 4/5 |
Cheapest car insurance in Maine
| Company | Average annual rate | Learn more |
|---|---|---|
| State Farm | $141 | Read review |
| Patriot | $322 | Read review |
| Geico | $385 | |
| VA Farm Bureau | $394 | Read review |
| USAA | $424 | Get a quote Read review |
| Allstate | $479 | |
| MMG | $543 | Get a quote Read review |
| Travelers | $804 | Read review |
| 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
| 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 |
Compare car insurance providers in Maine
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.
- Average Premiums and Expenditures, NAIC, 2018
- Automobile Financial Responsibility Limits By State, III, October 2021
- Maine Car Accident Laws, Nolo
- Motor vehicle theft rate in the United States in 2020, by state, Statista, 08 October 2021
- Top 10 Highest And Lowest States By Estimated Percentage Of Uninsured Motorists, 2019, III
- State Transportation by the Numbers, BTS
- Largest private auto insurers posted combined ratios under 100% in 2020, Spglobal, May 4 2021
More guides on Finder
-
How to buy cryptocurrency in the USA
Learn how to buy cryptocurrency in the US and what you’ll need.
-
How to invest in Bitcoin
Looking to invest in Bitcoin? Learn about the 5 ways you can get started, plus the benefits and risks of each.
-
Compare crypto loans for debt consolidation
Crypto-backed loans can offer low APRs to people who can’t qualify for a debt consolidation loan. But there are several risks.
-
Compare instant crypto loans
Learn about different options for borrowing money instantly against your crypto.
-
Colorado car accident statistics
See why Colorado’s car accident deaths are up 39%, based on NHTSA crash data.
-
How much does gas cost?
Find out gas costs based on your city, state or make and model.
-
Compare crypto lending rates for investors and borrowers
How to get the best crypto rates for your needs and risk tolerance.
-
Are crypto loans safe?
Even with the best protections the market offers, your collateral may be at risk.
-
Utah car accident statistics
Get the scoop on Utah’s latest car crash stats, plus the factors involved.
-
Car insurance costs, affordability by state
Trek through 10 factors that affect car insurance costs and which states have the best and worst affordability.
Ask an Expert