Cheapest Car Insurance In Maine (2024) (original) (raw)
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, Writer
10/18/2024 08:00 AM
Maine drivers should compare policy options to find the cheapest coverage because car insurance costs are increasing. Our reviews team has researched the best car insurance companies nationwide. We carefully examined the reputation, customer satisfaction, coverage options, and average premiums of every provider.
In this review, we will discuss the most effective methods for saving money on insurance and give you information on where to find the least expensive car insurance in Maine, based on your driving history.
Key Points
- USAA is the cheapest car insurance company in Maine overall, with an average rate of $24 per month for minimum coverage and $95 per month for full coverage.
- Travelers and GEICO also offer affordable car insurance rates for many driver profiles.
- Drivers who are younger than 25 or who have traffic violations on their record will experience car insurance rates that are higher than the average.
- You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.
Cheap Car Insurance Maine
Different car insurance companies have different ways of evaluating driver profiles. So, the cheapest insurance provider for one driver may not be the cheapest for you. For instance, below is an overview of the most affordable auto insurance providers and their prices for various driver profiles in Maine.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum coverage | USAA | 24∣24 | 24∣293 |
| Full coverage | Travelers | 76∣76 | 76∣916 |
| 16-year-olds | Patriot | 83∣83 | 83∣997 |
| 45-year-olds | USAA | 23∣23 | 23∣270 |
| High-risk drivers | Travelers | 36∣36 | 36∣437 |
| After a speeding ticket | USAA | 28∣28 | 28∣335 |
| After an accident | Travelers | 36∣36 | 36∣431 |
| After a DUI | Travelers | 39∣39 | 39∣471 |
| Poor credit drivers | USAA | 24∣24 | 24∣293 |
*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with a clean driving history.
What Is The Cheapest Car Insurance Company In Maine?
In general, we discovered that USAA has the least expensive car insurance in Maine for most types of drivers. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in Maine.
These rates apply to drivers in Maine who are of various ages, reside in different areas, and have different driving histories. The cheapest companies are organized by minimum coverage costs.
Cheapest Minimum Coverage In Maine: USAA
Drivers looking for the most affordable coverage that just meets Maine state minimum requirements may find it at USAA for about $24 per month or $293 per year on average.
| Cheapest Car Insurance in Maine | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| USAA | 24∣24 | 24∣293 |
| Travelers | 28∣28 | 28∣333 |
| GEICO | 30∣30 | 30∣358 |
| Patriot | 33∣33 | 33∣391 |
| Auto-Owners | 33∣33 | 33∣391 |
| Farmers | 39∣39 | 39∣472 |
| MMG | 40∣40 | 40∣484 |
| State Farm | 51∣51 | 51∣614 |
| Allstate | 55∣55 | 55∣665 |
| Progressive | 58∣58 | 58∣702 |
Cheapest Full Coverage In Maine: Travelers
If you want better coverage at an affordable price, Travelers is the best choice. The provider offers full-coverage insurance for an average of $76 per month.
Full-coverage insurance policies in Maine generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.
| Cheapest Car Insurance in Maine | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Travelers | 76∣76 | 76∣916 |
| Auto-Owners | 89∣89 | 89∣1,069 |
| USAA | 95∣95 | 95∣1,143 |
| GEICO | 105∣105 | 105∣1,262 |
| MMG | 132∣132 | 132∣1,587 |
| Progressive | 133∣133 | 133∣1,602 |
| Patriot | 137∣137 | 137∣1,644 |
| State Farm | 174∣174 | 174∣2,085 |
| Allstate | 185∣185 | 185∣2,226 |
| Farmers | 186∣186 | 186∣2,236 |
Cheapest Car Insurance In Maine: Age
Below, you’ll find average insurance costs for Maine drivers ages 16 to 55 as well as the top five budget-friendly car insurance companies for each age group. Drivers who are between the ages of 30 and 55 generally receive the most affordable auto insurance rates. This is because they have more driving experience, making them less likely to be involved in car accidents compared to younger drivers.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | 153∣153 | 153∣479 |
| 25 | 43∣43 | 43∣145 |
| 35 | 36∣36 | 36∣117 |
| 45 | 34∣34 | 34∣111 |
| 55 | 34∣34 | 34∣107 |
Cheapest Maine Car Insurance: Young Drivers
As mentioned, teenage drivers and early 20s typically pay the most expensive car insurance rates. The reason for this is mainly because these drivers don’t have as much experience driving and are more likely to break traffic rules and get into accidents.
In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.
Cheapest Maine Car Insurance For 16-Year-Olds: Patriot
If you’re a teen driver or the parent of one, Patriot may be your best bet for finding the most affordable car insurance in Maine.
The company’s cheapest average rates for 16-year-old drivers are $83 per month or $997 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $210 per month or $2,519 per year from Auto-Owners.
| Cheapest Car Insurance in Maine | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Patriot | 83∣83 | 83∣326 |
| Auto-Owners | 89∣89 | 89∣210 |
| Travelers | 98∣98 | 98∣280 |
| USAA | 103∣103 | 103∣392 |
| GEICO | 109∣109 | 109∣358 |
| MMG | 118∣118 | 118∣368 |
| Allstate | 188∣188 | 188∣548 |
| Farmers | 203∣203 | 203∣856 |
| State Farm | 205∣205 | 205∣611 |
| Progressive | 330∣330 | 330∣840 |
Cheapest Maine Car Insurance For 25-Year-Olds: USAA
Car insurance rates for young drivers in their 20s are much lower compared to what teenage drivers pay. However, the rates for this age group can still be quite high depending on the company you select.
USAA provides the cheapest car insurance costs on average at $26 per month or $315 per year for minimum coverage. Travelers costs $78 per month or $935 per year for full coverage.
| Cheapest Car Insurance in Maine | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | 26∣26 | 26∣104 |
| Travelers | 28∣28 | 28∣78 |
| GEICO | 33∣33 | 33∣117 |
| Auto-Owners | 37∣37 | 37∣98 |
| Patriot | 38∣38 | 38∣156 |
| Farmers | 43∣43 | 43∣213 |
| MMG | 48∣48 | 48∣150 |
| Allstate | 56∣56 | 56∣197 |
| State Farm | 57∣57 | 57∣195 |
| Progressive | 62∣62 | 62∣145 |
Cheapest Maine Car Insurance: Adult Drivers
People who are in their 40s typically have the least expensive car insurance rates. You can compare average auto insurance premiums of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.
Cheapest Maine Car Insurance For 35-Year-Olds: USAA
Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from USAA. The company offers average minimum-coverage costs of $23 per month or $270 per year. For full coverage, Travelers’s rates average $75 monthly or $897 annually.
| Cheapest Car Insurance in Maine | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | 23∣23 | 23∣87 |
| GEICO | 27∣27 | 27∣93 |
| Patriot | 27∣27 | 27∣118 |
| Travelers | 28∣28 | 28∣75 |
| Auto-Owners | 28∣28 | 28∣80 |
| MMG | 32∣32 | 32∣115 |
| Farmers | 36∣36 | 36∣160 |
| State Farm | 46∣46 | 46∣152 |
| Allstate | 55∣55 | 55∣174 |
| Progressive | 55∣55 | 55∣122 |
Cheapest Maine Car Insurance For 45-Year-Olds: USAA
Forty-five-year-old drivers may find the most affordable minimum coverage from USAA, with average rates of $23 per month or $270 per year. The cheapest full coverage comes from Travelers at $68 per month or $820 per year.
| Cheapest Car Insurance in Maine | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | 23∣23 | 23∣83 |
| Patriot | 25∣25 | 25∣107 |
| Travelers | 26∣26 | 26∣68 |
| Auto-Owners | 26∣26 | 26∣74 |
| GEICO | 27∣27 | 27∣93 |
| Farmers | 31∣31 | 31∣136 |
| MMG | 32∣32 | 32∣110 |
| State Farm | 46∣46 | 46∣149 |
| Progressive | 54∣54 | 54∣113 |
| Allstate | 55∣55 | 55∣174 |
Cheapest Maine Car Insurance For 55-Year-Olds: USAA
USAA usually offers the most affordable car insurance rates to drivers in their 50s in Maine. The insurer’s average premiums are $23 monthly or $270 annually for minimum coverage. The cheapest full coverage option is from Travelers, costing $68 monthly or $820 annually.
| Cheapest Car Insurance in Maine | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | 23∣23 | 23∣83 |
| GEICO | 24∣24 | 24∣84 |
| Travelers | 24∣24 | 24∣61 |
| Patriot | 24∣24 | 24∣104 |
| Auto-Owners | 26∣26 | 26∣74 |
| Farmers | 30∣30 | 30∣134 |
| MMG | 31∣31 | 31∣108 |
| State Farm | 45∣45 | 45∣146 |
| Progressive | 54∣54 | 54∣113 |
| Allstate | 55∣55 | 55∣168 |
Cheapest Car Insurance In Maine: High-Risk Drivers
Besides the type of coverage you choose and how old you are, the way you drive really affects how much you’ll pay for car insurance. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including speeding tickets, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
People who are considered high-risk drivers have to pay more than the average cost for car insurance because they have committed multiple violations in the past. On average, Maine motorists who are deemed high-risk may find the most affordable rates from Travelers for minimum coverage or Travelers for full coverage.
| Cheapest Car Insurance in Maine | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | 36∣36 | 36∣107 |
| USAA | 39∣39 | 39∣149 |
| Auto-Owners | 47∣47 | 47∣129 |
| GEICO | 55∣55 | 55∣195 |
| MMG | 55∣55 | 55∣186 |
| State Farm | 58∣58 | 58∣192 |
| Allstate | 71∣71 | 71∣242 |
| Patriot | 71∣71 | 71∣327 |
| Progressive | 74∣74 | 74∣180 |
| Farmers | 78∣78 | 78∣356 |
Cheapest Maine Car Insurance For Drivers With A Speeding Ticket: USAA
Drivers with a speeding citation on their record can generally find the most affordable coverage from USAA, with average rates of $28 per month or $335 per year for minimum coverage and $108 per month or $1,294 per year for full coverage.
| Cheapest Car Insurance in Maine | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | 28∣28 | 28∣108 |
| Travelers | 34∣34 | 34∣102 |
| Patriot | 37∣37 | 37∣172 |
| Auto-Owners | 37∣37 | 37∣103 |
| GEICO | 45∣45 | 45∣159 |
| MMG | 50∣50 | 50∣175 |
| State Farm | 56∣56 | 56∣187 |
| Allstate | 61∣61 | 61∣207 |
| Farmers | 72∣72 | 72∣300 |
| Progressive | 72∣72 | 72∣175 |
Cheapest Maine Car Insurance For Drivers With An At-Fault Accident: Travelers
If you get into a car accident in Maine, it can raise the amount you pay for car insurance. Travelers tends to offer the most affordable rates on average at about $36 per month or $431 per year for minimum coverage and $106 per month or $106 per year for full coverage.
| Cheapest Car Insurance in Maine | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | 36∣36 | 36∣106 |
| USAA | 38∣38 | 38∣145 |
| Patriot | 43∣43 | 43∣182 |
| GEICO | 46∣46 | 46∣164 |
| MMG | 48∣48 | 48∣159 |
| Auto-Owners | 49∣49 | 49∣133 |
| State Farm | 61∣61 | 61∣203 |
| Farmers | 67∣67 | 67∣326 |
| Allstate | 79∣79 | 79∣265 |
| Progressive | 86∣86 | 86∣210 |
Cheapest Maine Car Insurance For Drivers With A DUI: Travelers
If you’re a motorist with a DUI conviction, you may find the cheapest minimum car insurance in Maine from Travelers for $39 per month or $471 per year on average. They also have rates of $114 monthly or $1,368 annually for full coverage.
| Cheapest Car Insurance in Maine | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | 39∣39 | 39∣114 |
| USAA | 52∣52 | 52∣194 |
| Auto-Owners | 54∣54 | 54∣150 |
| State Farm | 56∣56 | 56∣187 |
| Progressive | 65∣65 | 65∣155 |
| MMG | 67∣67 | 67∣223 |
| Allstate | 73∣73 | 73∣255 |
| GEICO | 73∣73 | 73∣262 |
| Farmers | 94∣94 | 94∣441 |
| Patriot | 134∣134 | 134∣626 |
Cheapest Maine Car Insurance For Drivers With Poor Credit: USAA
People who have bad credit have to pay more money for their car insurance. Those who don’t have the best credit history may want to check out USAA, which has an average minimum-coverage rate of $39 per month or $470 per year and an average full-coverage rate of $158 per month or $1,897 per year.
| Cheapest Car Insurance in Maine | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | 39∣39 | 39∣158 |
| Travelers | 44∣44 | 44∣123 |
| Patriot | 48∣48 | 48∣210 |
| GEICO | 50∣50 | 50∣177 |
| Auto-Owners | 52∣52 | 52∣158 |
| MMG | 70∣70 | 70∣210 |
| Allstate | 78∣78 | 78∣285 |
| Progressive | 93∣93 | 93∣239 |
| Farmers | 122∣122 | 122∣549 |
| State Farm | 216∣216 | 216∣732 |
Average Cost Of Car Insurance In 10 Maine Cities
Another thing that determines how much you pay for car insurance in Maine is your location. Auto insurance companies consider drivers riskier to cover in areas with:
- Larger groups of people
- There are an increased number of cars on the road.
- More car accidents happening frequently
- More incidents of breaking traffic rules
- More incidents of car theft and slashed tires
- Extreme weather conditions
Certain factors that increase the likelihood of risks have a greater impact on people who own cars in bigger cities. Consequently, drivers in these busy urban areas tend to pay the highest average price for car insurance with minimum coverage. On the other hand, individuals who live in rural areas with lower crime rates and smaller populations are more likely to enjoy lower insurance premiums.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Lewiston | 39∣39 | 39∣118 |
| Bangor | 35∣35 | 35∣113 |
| Portland | 39∣39 | 39∣110 |
| South Portland | 37∣37 | 37∣107 |
| Auburn | 39∣39 | 39∣115 |
| Biddeford | 36∣36 | 36∣106 |
| Brunswick | 35∣35 | 35∣106 |
| Augusta | 37∣37 | 37∣114 |
| Scarborough | 37∣37 | 37∣107 |
| Saco | 37∣37 | 37∣107 |
Top 5 Car Insurance Companies In Maine
Aside from the price, we’ve evaluated more than 40 insurance companies in terms of their coverage, service, and dependability in order to identify the top five insurers for people living in Maine. Based on our research, we found USAA to be the best provider for most drivers in Maine. These are the ratings we gave to the options we suggest.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5.0 | 4.5 |
| #2 Travelers | 4.6 | 4.4 | 4.9 | 4.5 | 4.2 |
| #3 GEICO | 4.5 | 4.2 | 4.2 | 4.9 | 4.3 |
| #4 Progressive | 4.5 | 4.0 | 4.8 | 4.8 | 4.1 |
| #5 USAA | 4.5 | 4.7 | 4.8 | 4.5 | 4.3 |
*The overall and category ratings above are based on nationwide factors.
How To Get The Cheapest Car Insurance In Maine
You can reduce how much you pay for car insurance in Maine by using different methods. These include:
- Opting for minimum coverage: If you get the minimum coverage needed in your state, you will have the least expensive car insurance available.
- Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
- Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
- Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
- Comparing quotes: Getting price estimates from different companies can help you understand which provider will give you the best offer.
Many insurance companies offer usage-based insurance programs as a way to save money. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you drive safely, you might receive a significant discount, but certain programs may increase your rates if you engage in risky driving habits.
Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.
What Does Maine Require For Car Insurance?
Drivers in Maine must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:
- $100,000 bodily injury liability per accident
- $50,000 bodily injury liability per person
- $25,000 property damage liability per accident
- $100,000 underinsured/uninsured motorist bodily injury coverage per accident
- $50,000 underinsured/uninsured motorist bodily injury coverage per person
- $2,000 medical payments coverage also required
Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.
Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.
Our Take: Best Cheap Car Insurance In Maine
When it comes to both minimum and full coverage, USAA is the best and cheapest auto insurance company for most drivers in Maine. While the above costs can give you an idea of what you’d pay for car insurance in Maine, getting a personalized quote will help give you a more accurate picture of what you’ll pay.
Many companies offer quick and no-cost ways to get price estimates for insurance online. Alternatively, you can directly contact an insurance agent or representative from the company. Once you have gathered quotes from three or more providers, you should compare them to find the best option for you.
Best Cheap Car Insurance In Maine: FAQ
Here are some frequently asked questions about car insurance in Maine:
How much is car insurance per month in Maine?
The average cost of minimum-coverage car insurance in Maine is $39 per month or $470 per year. For full coverage, the average is $131 per month or $1,577 per year.
Is Maine Car Insurance Cheaper?
Maine auto insurance is typically cheaper than the national average. Nationwide, the average cost of minimum-coverage insurance is 670peryear,whiletheaverageinMaineis∗∗670 per year, while the average in Maine is 670peryear,whiletheaverageinMaineis∗∗470 per year. For full coverage, residents of Maine pay about $1,577 per year on average, which is less than the national average of $2,216 per year.
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.