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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 (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

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.

AgeLiberty MutualProgressiveGeico
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.

CompanyLiberty MutualProgressiveGeico
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.

CompanyLiberty MutualProgressiveGeico
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.

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.

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.

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.

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.

FactorHow it affects your rates
Age

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

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

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

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

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

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

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.
Provider
BBB Rating
JD Power Rating
NAIC complaint ratio
National market share %
Finder score
Go to site
State Farm
A+
847/1000
1.93
16.2

★★★★★ 4/5

Read review

Geico
A+
832/1000
1.42
13.6

★★★★★ 4/5

Read review

Progressive
A+
830/1000
1.05
13.3

★★★★★ 4/5

Get Quotes
Allstate
A+
827/1000
2.71
10.4

★★★★★ 4/5

Read review

USAA
A+
884/1000
1.9
6.3

★★★★★ 4/5

Get Quotes
Farmers
A-
820/1000
1.64
4.9

★★★★★ 4/5

Read review

Liberty Mutual
A+
827/1000
2.2
4.7

★★★★★ 4/5

Get Quotes
Nationwide
A+
814/1000
2.08
2.3

★★★★★ 4/5

Read review

Travelers
A+
820/1000
3.28
2

★★★★★ 4/5

Read review

Auto Club Exchange
A+
NR
NR
1.4

★★★★★ 4/5

Get Quotes

Cheapest car insurance in Maine

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

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

Compare car insurance providers in Maine

Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
AARP Auto Insurance Program from The Hartford
Yes
Yes
TrueLane®
No
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.
The Zebra
Yes
Yes
Yes
Yes
All 50 states
Progressive
loan/lease coverage
Yes
Snapshot
Yes
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
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Branch
Yes
No
Yes
Yes
AZ, CO, IL, IN, MD, MO, OH, OK, TX and WI
Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
Quinstreet - Insure.com
Quinstreet - Insure.com
Yes
Depends on provider
Depends on provider
Depends on provider
All 50 states
Savvy
Yes
Depends on provider
No
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
Yes
Yes
RightTrack
Yes
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime.
Elephant
loan/lease coverage
Yes
No
No
GA, IL, IN, MD, OH, TN, TX, VA
Get a great deal online with steep discounts and some of the highest liability limits available.
Allied
Yes
Yes
Nationwide SmartRide
No
AZ, CA, CO, DE, FL, GA, ID, IL, IN, IA, KS, MD, MI, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI& WY
Finding the right auto insurance doesn’t have to be confusing. Allied Insurance has a network of independent agents to help you get customized coverage for your unique needs.
AAA
Yes
Yes
No
Yes
Alaska, Arizona, California, Montana, Nevada, Utah & Wyoming
Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in Alaska, Arizona, California, Montana, Nevada, Utah & Wyoming.
Sigo Seguros
Sigo Seguros
No
Yes
No
Yes
Texas
Sigo Seguors is an online-based car insurance company catering to the Spanish-speaking community. Texans can get a free quote and sign up online in minutes.
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Compare up to 4 providers

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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