Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Maine Average car insurance cost in Maine The average premium for car insurance in Maine is $1,175 per year or $98 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's Editor | Updated on: April 7, 2025 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 57M Quotes reviewed 136 Insurance providers evaluated 34.5K ZIP codes analyzed If you’re looking for car insurance rates in Maine, the average annual premium is $1,175, per year or $98 monthly. This contrasts with the national average of $1,895, highlighting a variation of $720. Various elements influence car insurance rates, including age, gender, driving record, credit score, and location.This guide talks about the average cost of full coverage in the state, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Maine, and breaks down car insurance rates by age group. To save on your auto insurance expenses, it’s advisable to shop around and compare quotes. Keep reading to ensure that your insurance policy aligns with your needs without exceeding your budget. Average annual cost $1,175 Average per month cost $98 Average cost for state minimum coverage $335 / Year Cheapest car insurance company Auto-Owners($707 / Year) Average cost for young drivers $2,145 / Year Average cost for Senior drivers $1,126 / Year Key TakeawaysThe average car insurance cost in Maine is $1,175 per year, based on Insure.com’s analysis.In Maine, the average premium for car insurance is $98 per month.Auto-Owners has the cheapest car insurance rates in Maine, at an average annual rate of $707 a year.Average car insurance cost in Maine per monthIn Maine, car insurance costs around $98 per month on average.It’s a common occurrence for the cost of the same coverage to vary among companies, which is true of every auto insurance company. Thus, when seeking car insurance rates in Maine, it’s wise to obtain quotes from multiple firms.Cheapest car insurance companies in MaineThe table below lists the other available car insurance companies which offer car insurance in Maine, along with their average cost per month and average annual cost. Affordable car insurance providers in Maine Graph Table Company nameAverage per month costAverage annual costAuto-Owners$59$707Travelers$71$853Progressive$92$1,106Allstate$96$1,147Geico$102$1,228State Farm$105$1,262MMG Insurance$122$1,461Frankenmuth Insurance$124$1,492Farmers$139$1,664USAA$69$827 Read our guide to cheap car insurance companies Maine car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Maine Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $1,439/Year OR $120/month Maine Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average cost of car insurance by coverage levels in MaineThe extent of coverage you select determines car insurance costs in Maine. Your liability limits and whether you opt for comprehensive, or collision coverage determine your premiums.Liability-only insurance protects against third-party property damage and personal injuries in accidents. However, in the event of a collision, having liability coverage alone would not extend to your injuries or personal property damage since you are responsible for the accident. For instance, with a 50/100/50 liability-only coverage limit, the average annual cost in Maine amounts to $341.Expanding your policy to include more coverage results in a higher insurance premium. This is because the insurance provider is liable to compensate you for accidents or other damage. Consequently, the average annual cost of full coverage car insurance in Maine stands at $1,175.Non-owner state minimum liability coverage is the most appropriate choice for individuals who do not own a vehicle but regularly rent one. Like liability-only coverage, it protects property damage and bodily injury inflicted upon another driver. In Maine, the average annual cost for non-owner state minimum liability coverage stands at $238.Meanwhile, for those who wish to save money on car insurance premiums, selecting only the state minimum liability coverage enables legal driving within the state. The annual cost for state minimum liability coverage alone amounts to $335 in Maine.1State minimum:$3352Liability only:$3413Full coverage:$1,1754Non-owners:$238Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Maine by cityAuburnBangorLewistonPortlandAverage car insurance cost in Maine by cityYour car insurance premium is determined by several factors, such as your state, city, and even ZIP code. The frequency of accidents and the probability of vehicle theft or vandalism play a role in determining the overall cost associated with a city or ZIP code.The table below depicts the top popular cities in Maine:CityAverage annual costAuburn$1,163Augusta$1,155Bangor$1,128Biddeford$1,065Lewiston$1,185Portland$1,140Saco$1,079Sanford$1,149South Portland$1,092Westbrook$1,086Average car insurance cost in Maine by age of the driverAge plays a significant role in determining auto insurance rates. Teenagers have a higher chance of being involved in a car accident compared to any other age group. In Maine, the average annual rate for young drivers is $2,145, whereas for seniors, it is $1,126. The rate for young drivers exceeds that of senior drivers by $1,019.Statistics show that young drivers are more likely to be involved in vehicle accidents than more seasoned drivers. As a result, they are classified as high-risk individuals and are more expensive to insure. This classification is primarily due to tendencies such as speeding and limited on-road experience. However, premiums begin to increase again around the age of 70, as certain aspects of aging may impact driving capabilities.Average car insurance cost in Maine for young driversIn Maine, the auto insurance premium for female young drivers averages at $2,010 annually, or $167 monthly, while male young drivers face a yearly rate of $2,281, or a monthly average of $190. The average annual rates for young male and female drivers are listed in the table below: Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 20 $3,141 $2,610 21 $2,337 $2,027 22 $2,142 $1,934 23 $1,970 $1,821 24 $1,814 $1,656 Average car insurance cost in Maine for senior driversIn Maine, the annual car insurance cost for senior female drivers is $1,114 or $93 monthly. Similarly, male senior drivers face a yearly insurance cost of $1,139 per year, with a monthly average of $95. Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 65 $1,119 $1,095 70 $1,149 $1,125 75 $1,147 $1,123 Read more about senior car insuranceMinimum car insurance requirements in MaineEvery state establishes guidelines regarding the minimum car insurance coverage drivers must possess to be able to drive vehicles legally. As per details provided by the Maine Department of Insurance, the required coverages and minimum coverage limits in Maine are as follows:Bodily injury per person: $50,000 Bodily injury per accident: $100,000 Personal property coverage per person: $25,000 Cheapest cars to insure in Maine Insurance costs are lowest for Chevrolet TrailBlazer owners, with an annual premium of $994. Hyundai Venue follows closely at $1,023 per year. The difference in the cost of insuring these two models is $29 annually.MakeModelAverage annual premiumChevroletTrailBlazer$994HyundaiVenue$1,023HondaHR-V$1,025KiaSeltos$1,065KiaSoul$1,077BuickEncore GX$1,087FordEscape Plug-in Hybrid$1,088FordMaverick$1,095HyundaiKona$1,100JeepCompass$1,109Most expensive cars to insure in MaineTopping the list as the most expensive car to insure is the Maserati Ghibli Trofeo, at an average annual premium of $4,577. Notably, the annual difference between the least and most expensive cars to insure amounts to $3,583.MakeModelAverage annual premiumMaseratiGhibli Trofeo$4,577MaseratiQuattroporte Trofeo$4,500MaseratiQuattroporte$4,479BMWAlpina B8$4,418TeslaModel S Plaid$4,164BMWM8$4,030LexusLC Convertible$3,890Porsche911 Turbo$3,862AudiRS6 Avant$3,804AudiR8$3,798MethodologyThe Insure.com team worked with Quadrant Information Service to get car insurance data. Our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits of 100/300/100. The quoted insurance rates are for comparison purposes, and your rates may vary.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Maine Non-owner auto insurance in Maine Average renters insurance cost in Maine Average homeowners insurance cost in Maine In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Maine per monthCheapest car insurance companies in MaineAverage cost of car insurance by coverage levels in MaineAverage car insurance cost in Maine by cityAverage car insurance cost in Maine by age of the driverMinimum car insurance requirements in MaineCheapest cars to insure in MaineMost expensive cars to insure in MaineMethodology ZIP Code Please enter valid ZIP See rates