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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 $1,300. 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
The AARP Auto Insurance Program from The Hartford
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.
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.
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
All 50 states except AK & HI
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Liberty Mutual
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.

Compare up to 4 providers


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.

Most popular Maine auto insurance companies list

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.

Cheapest car insurance in Maine

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

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.

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