Low-cost car insurance in Maine

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Travelers provides the lowest car insurance rates in Maine at $964 a year. The average premium is $142 per month in Maine, though your actual rate may vary.

Car insurance requirements differ by state. In Maine, drivers are required to carry at least the minimum liability coverage: $50,000 for bodily injury per person, $100,000 for bodily injury per accident, and $25,000 for property damage per accident.

Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.

Below, you’ll find which insurance companies are the most affordable for different categories.

Key Takeaways

Travelers has the cheapest average premium in Maine, coming in at $964 per year – about $737 compared to the state average.
For drivers with an at-fault accident on their record, Travelers offers the lowest rates, with annual costs averaging $1,442.
The 4017 ZIP code is the least expensive area in Maine for car insurance, with an average yearly premium of $1,485.

Low-cost car insurance businesses in Maine

When comparing insurers in Maine, Travelers leads the pack with an annual average of $964. That’s $737 less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.

To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.

Here are the annual averages from the most affordable insurance companies in Maine.

Company	Average annual rates
Travelers	$964
Auto-Owners	$1,060
GEICO	$1,441
Progressive	$1,454
Allstate	$2,056
MMG Insurance	$2,073
Farmers	$2,196
State Farm	$2,357
Frankenmuth Insurance	$2,415
USAA*	$997

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Maine

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Maine

Drivers in 4017 benefit from the lowest average premium in the state, at $1,485 per year. See the table below to find other ZIP codes in Maine where insurance tends to be cheaper.

ZIP code	City	Average annual rates
4017	Chebeague Island	$1,485
4096	Yarmouth	$1,485
4110	Cumberland Foreside	$1,493
4021	Cumberland Center	$1,500
4043	Kennebunk	$1,508
4074	Scarborough	$1,508
4107	Cape Elizabeth	$1,509
4005	Biddeford	$1,515
4105	Falmouth	$1,521
4108	Peaks Island	$1,523

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Auto 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 city

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Low-cost car insurance in Maine by age

Teen drivers in Maine pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $5,290 more than a 40-year-old driver in Maine.

The table below shows low-cost car insurance rates for drivers of different ages.

Age group	Full coverage annual premiums
Teens (16-19)	$5,759
Young Adults (20-24)	$3,094
Adults (25-60)	$1,738
Seniors (65-75)	$1,616

Low-cost car insurance in Maine by driver history

Insurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.

Low-cost car insurance after a speeding ticket in Maine

Just one speeding ticket in Maine can raise your rates by 30% – $519 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Auto-Owners	$1,060	$1,218	15%	$157
Travelers	$964	$1,476	53%	$512
Progressive	$1,454	$1,923	32%	$469
GEICO	$1,441	$2,202	53%	$761
Allstate	$2,056	$2,295	12%	$239
State Farm	$2,357	$2,538	8%	$181
Frankenmuth Insurance	$2,415	$3,058	27%	$643
Farmers	$2,196	$3,165	44%	$970
USAA*	$997	$1,127	13%	$130

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Maine

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. Travelers is the lowest-cost option for these drivers, with an average annual premium of $1,442.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Travelers	$964	$1,442	50%	$478
Auto-Owners	$1,060	$1,576	49%	$515
GEICO	$1,441	$2,318	61%	$877
Progressive	$1,454	$2,407	65%	$953
State Farm	$2,357	$2,751	17%	$395
Allstate	$2,056	$2,929	42%	$873
Frankenmuth Insurance	$2,415	$3,044	26%	$629
Farmers	$2,196	$3,463	58%	$1,268
USAA*	$997	$1,514	52%	$517

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Maine

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Maine are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Travelers	$964	$1,541	$577	60%
Progressive	$1,454	$1,669	$215	15%
Auto-Owners	$1,060	$1,768	$708	67%
State Farm	$2,357	$2,538	$181	8%
Allstate	$2,056	$2,819	$763	37%
Farmers	$2,196	$3,465	$1,270	58%
GEICO	$1,441	$3,739	$2,298	159%
Frankenmuth Insurance	$2,415	$10,840	$8,425	349%
USAA*	$997	$2,024	$1,027	103%

*USAA is only available to military community members and their families.

Average cost of car insurance Maine

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In Maine, the average cost of full coverage is $812 less compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in Maine, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

The bottom line on saving and staying protected

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage in Maine.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Maine. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.