Compare car insurance in Maine

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.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

• Broad coverage, including for custom car parts or ridesharing
• Transparent pricing tools that help you buy within budget
• Accident forgiveness on small claims or for staying claim-free
• Stack a variety of discounts for multiple cars, autopay or homeownership

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• Top auto insurance companies in Maine
• List of insurance companies in Maine

Compare Maine car insurance

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Name	Product	Roadside assistance	New car protection	Accident forgiveness	Safe driver discount	Available states
Progressive		Optional			30%	All 50 states	Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.	Get quotes More Info	Compare	loading Fetching your data...
Esurance					40%	All states except AK, DE, HI, MT, NH, VT, WY	Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.	Get quotes More Info	Compare	loading Fetching your data...
Gabi		Optional	Optional		55%	All 50 states	Upload your current policy info and get quotes from 20+ companies who could get you a better rate.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			30%	All 50 states	Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.	Get quotes More Info	Compare	loading Fetching your data...
Allstate					13%	All 50 states	Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.	Get quotes More Info	Compare	loading Fetching your data...
Geico		Optional			26%	All 50 states	Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.	More Info	Compare	loading Fetching your data...
Farmers					15%	All 50 states	Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.	More Info	Compare	loading Fetching your data...

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Cheapest car insurance in Maine

Company	Average annual rate	Learn more
State Farm	$141	Read review
Patriot	$322
Geico	$385	Get a quote
VA Farm Bureau	$394
USAA	$424	Read review
Allstate	$479	Get a quote
MMG	$543	Read review
Travelers	$804
Electric	$2,078

• Quote methodology: driver profile & coverage options

  To get these quotes, we compared rates for the same driver profile in a common zip code in this state.

  • Good credit
  • Married
  • Male
  • 31-35 years old
  • 2017 Toyota Camry LE
  • State minimum coverage

Most popular Maine auto insurance companies list

Company	Direct premiums written (billions)	Market share
Progressive	$113,711	14.9%
State Farm	$104,793	13.7%
Geico	$82,369	10.8%
Liberty Mutual	$65,962	8.6%
Allstate	$53,802	7.0%
USAA	$36,850	4.8%
MetLife	$29,311	3.8%
Concord Group Insurance	$29,160	3.8%
Travelers	$26,295	3.4%
The Hanover	$24,586	3.2%

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.

• Bangor
• Portland
• Lewiston
• South Portland
• Augusta

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.

Frequently asked questions about car insurance in Maine

• Will an accident still show up on my driving record if it's not my fault?

  Yes. Regardless of fault, crash reports are included on on your driving record. You can request a copy of your crash report from any Bureau of Motor Vehicles in Maine for a $10 processing fee.

• Will my rates go up if I file a claim through my insurance company?

  It could. Your car insurance rates may increase if you file a claim. Insurance companies reserve the right to increase your rates or even cancel your coverage after a claim. But these actions are typically reserved for drivers exhibiting risky driving behaviors, filing multiple claims in a short time period or receiving multiple tickets or DUI/DWIs. You’ll receive notification before any cancellation.

• Is mileage based car insurance available in Maine?

  Unfortunately, true mileage based car insurance isn’t available in this state. But it could be soon. Growing insurance provider Metromile is attempting to expand its operations into more states soon — its services are currently available in 7 states — and Esurance is testing this kind of coverage by offering it in Oregon first.