Cheap Car Insurance in Maine (2024)
Where to get cheap car insurance in Maine:
- Auto-Owners offers Maine’s cheapest full-coverage car insurance rates.
- State Farm has the state’s cheapest rates for liability car insurance.
- MMG has the lowest car insurance rates for drivers with bad credit.
Cheapest full-coverage car insurance in Maine: Auto-Owners
Auto-Owners has the cheapest full-coverage car insurance rates in Maine, at an average of $847 a year.
State Farm also offers affordable rates to the state’s drivers, at $871 a year.
Cheapest companies for full-coverage car insurance
| Company | Average annual rate | LendingTree score | |
|---|---|---|---|
 | Auto-Owners | $847 | Not rated |
 | State Farm | $871 |  |
| MMG | $902 | Not rated | |
 | Travelers | $965 | |
 | Geico | $1,263 |  |
 | Progressive | $1,296 |  |
 | Farmers | $1,448 |  |
 | Allstate | $1,602 | |
Full-coverage car insurance usually combines liability car insurance with collision and comprehensive coverage types.
Collision coverage handles damages to your car after an accident. Comprehensive coverage pays for noncollision damages to your car, such as a tree branch breaking a windshield. It also covers auto theft and vandalism.
State law doesn’t require you to have full-coverage auto insurance. However, if you bought your car through a lender, it will probably require you to carry full coverage for the duration of your lending agreement.
Cheapest liability car insurance in Maine: State Farm
State Farm has the cheapest rates for Maine drivers needing liability car insurance, at an average of $363 a year.
MMG has the next-lowest average rate, $375 a year.
Cheapest companies for liability car insurance
| Company | Average annual rate |
|---|---|
| State Farm | $363 |
| MMG | $375 |
| Auto-Owners | $462 |
| Travelers | $474 |
| Farmers | $485 |
| Geico | $538 |
| Allstate | $770 |
| Progressive | $771 |
Also called “minimum car insurance,” liability car insurance covers repairs, as well as legal fees and medical expenses of others, after an accident you cause. It’s different from full-coverage car insurance in that it only covers damages and injuries to others.
To find the cheapest rate for your needs, compare car insurance quotes from several companies side by side. Make sure to use the same coverage limits for each quote, so you can make the most accurate comparison.
Best rates for young drivers in Maine: Auto-Owners
Auto-Owners has the cheapest car insurance for teens looking for minimum coverage, at $1,026 a year.
State Farm is the next-cheapest for young drivers in Maine, at $1,188 a year.
Cheapest liability car insurance companies for teen drivers
| Company | Average annual rate |
|---|---|
| Auto-Owners | $1,026 |
| State Farm | $1,188 |
| Travelers | $1,259 |
| MMG | $1,357 |
| Farmers | $1,872 |
| Geico | $1,910 |
| Allstate | $1,921 |
| Progressive | $3,454 |
Because of their relative inexperience, teen drivers are considered to be high risk drivers, and as such pay the highest car insurance rates of any age group. To get cheaper car insurance for your teen, add them to your policy. You will pay a higher premium if you do this, but it should still be cheaper than having two separate policies if you have a clean driving record.
Cheapest rates after a speeding ticket in Maine: State Farm
State Farm has the cheapest full-coverage car insurance rates in Maine for drivers with a speeding ticket, at an average of $942 a year.
Auto-Owners’ average rate is nearly as cheap, at $975 a year.
Cheapest car insurance companies after a ticket
| Company | Average annual rate |
|---|---|
| State Farm | $942 |
| Auto-Owners | $975 |
| MMG | $1,184 |
| Travelers | $1,270 |
| Geico | $1,400 |
| Progressive | $1,737 |
| Allstate | $1,791 |
| Farmers | $2,273 |
A speeding ticket in Maine will usually stay on your driving record for fivea years. You can expect to pay higher car insurance rates during that time.
Cheapest rates after an accident in Maine: State Farm
State Farm has the most affordable car insurance rates for Maine drivers with an accident on their driving record, at $1,024 a year.
MMG is the next-cheapest company, with rates averaging $1,111 a year.
Cheapest car insurance companies after an accident
| Company | Average annual rate |
|---|---|
| State Farm | $1,024 |
| MMG | $1,111 |
| Auto-Owners | $1,276 |
| Travelers | $1,410 |
| Progressive | $2,116 |
| Geico | $2,281 |
| Allstate | $2,313 |
| Farmers | $2,493 |
Best rates after an OUI in Maine: Auto-Owners
Auto-Owners has the cheapest car insurance rates in Maine for drivers with an OUI (operating under the influence) on their record, at an average of $1,423 a year. Travelers also offers cheap car insurance with a OUI, at $1,471 a year.
Cheapest car insurance companies after an OUI
| Company | Average annual rate |
|---|---|
| Auto-Owners | $1,423 |
| Travelers | $1,471 |
| MMG | $1,514 |
| Progressive | $1,534 |
| Allstate | $2,205 |
| Farmers | $3,470 |
| Geico | $3,824 |
| State Farm | $3,960 |
An OUI in Maine stays on your record forever and raises your car insurance rates for an unknown amount of time.
If your license is suspended due to an OUI, you’ll need to file an SR-22 with the Bureau of Motor Vehicles (BMV). Most states require you to carry an SR-22 for three to five years. If you stop filing your SR-22 before the time period ends, the BMV will be notified and your license will be suspended again.
Best rates in Maine for bad credit: MMG
MMG has the cheapest quotes for Maine drivers with a poor credit score, at an average of $1,453 a year. Auto-Owners is the next-cheapest option, with rates that average $1,465 a year.
Cheapest car insurance companies with poor credit
| Company | Average annual rate |
|---|---|
| MMG | $1,453 |
| Auto-Owners | $1,465 |
| Travelers | $1,579 |
| Geico | $1,904 |
| Progressive | $2,268 |
| Allstate | $2,421 |
| Farmers | $4,125 |
| State Farm | $4,229 |
Bad credit car insurance exists because insurers see a correlation between credit score and a higher risk of filing a claim. That said, some states have limited or prohibited its use in obtaining auto insurance.
Insurance rates by city in Maine
Of the 25 largest cities in Maine, Brunswick has the cheapest average car insurance rate of $1,039 a year. Lewiston has the highest average rate of $1,139 a year.
Car insurance rates by city
| City | Average annual rate |
|---|---|
| Auburn | $1,122 |
| Augusta | $1,103 |
| Bangor | $1,088 |
| Bath | $1,077 |
| Biddeford | $1,050 |
| Brewer | $1,087 |
| Brunswick | $1,039 |
| Cape Elizabeth | $1,056 |
| Cumberland Center | $1,040 |
| Ellsworth | $1,134 |
| Falmouth | $1,063 |
| Gorham | $1,067 |
| Kennebunk | $1,055 |
| Kittery | $1,092 |
| Lewiston | $1,139 |
| Lisbon | $1,120 |
| Old Orchard Beach | $1,054 |
| Orono | $1,104 |
| Portland | $1,105 |
| Saco | $1,058 |
| Sanford | $1,101 |
| Scarborough | $1,056 |
| South Portland | $1,065 |
| Standish | $1,078 |
| Topsham | $1,056 |
| Waterville | $1,131 |
| Wells | $1,050 |
| Westbrook | $1,062 |
| Windham | $1,091 |
| York | $1,092 |
Your ZIP code is one of the many factors that companies look at when calculating car insurance quotes. Other factors include:
- Make and model of your car
- Annual mileage
- Driving record
- Claim history
- Your age
Minimum coverage for car insurance in Maine
Drivers in Maine must have at least these liability car insurance coverage limits:
- $50,000 bodily injury coverage per person
- $100,000 bodily injury coverage per accident
- $25,000 property damage coverage
These limits only fulfill Maine’s legal requirements to drive. An accident resulting in extensive hospital bills and court fees can easily go beyond these limits.
Any claim-related costs that exceed your limits will need to be paid out of your own pocket. To avoid this, consider raising your policy’s liability limits to what your budget can afford.
Methodology
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver in Maine. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $50,000 per person, $100,000 per accident if required in that state
- Personal injury protection: Minimum limits if required in that state
- Collision: $500 deductible
- Comprehensive: $500 deductible