USAA and State Farm offer the cheapest car insurance in Maine, beginning with minimum-coverage rates averaging $32 and $33 a month, respectively. Since Progressive’s rates are only slightly higher, it’s worth contacting them for a car insurance quote, too. If price matters to you, here’s what you need to know about finding cheap car insurance in Maine.
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Cheapest car insurance companies in Maine
Our analysis of car insurance quotes shows that State Farm, USAA and Progressive generally offer the cheapest car insurance in Maine.
This makes it worth getting a quote from at least one of these companies when you compare auto insurance rates. However, USAA is only available to current and former members of the military and their families.
Cheapest minimum-coverage car insurance in Maine
USAA offers the cheapest minimum-coverage car insurance in Maine, with rates averaging $384 a year, or $32 a month, for a typical adult driver. The next-lowest rate, $33 a month, is available from State Farm.
The average cost of minimum-coverage car insurance in Maine is $45 a month.
| Company | Monthly rate |
|---|---|
| USAA* | $32 |
| State Farm | $33 |
| Progressive | $40 |
| State Average | $45 |
| Allstate | $51 |
| GEICO | $62 |
| Concord | $70 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
A minimum-coverage auto insurance policy meets Maine’s legal requirements for bodily injury and property damage liability, uninsured/underinsured motorist coverage and medical payments.
Find cheap car insurance in Maine
Cheapest full-coverage car insurance in Maine
When it comes to full-coverage car insurance in Maine, State Farm offers the cheapest rate, $64 a month, followed by USAA, $69 a month, and Progressive, $72 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $64 |
| USAA* | $69 |
| Progressive | $72 |
| State Average | $87 |
| Allstate | $110 |
| Concord | $113 |
| GEICO | $120 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
What is full-coverage auto insurance?
Full-coverage auto insurance includes collision and comprehensive coverage, as well as higher liability limits than a minimum-coverage policy. Collision and comprehensive cover damage to your car and vehicle theft.
Neither collision nor comprehensive coverage are required by state law, but both typically are required for a car loan or lease.
Cheapest auto insurance for Maine drivers with a ticket or accident
State Farm offers the cheapest auto insurance in Maine to drivers with a prior ticket or accident. The company’s rates for drivers with a speeding ticket average $70 a month for full coverage, and its rates for drivers with a prior at-fault accident average $76 a month.
The next-best rates for drivers with a speeding ticket are available from USAA, $78 a month, and Progressive, $84 a month.
For drivers with a prior accident, the best non-State Farm rates are also available from USAA, $105 a month, and Progressive, $149 a month.
A ticket increases the average price of auto insurance in Maine by 22% to $106 a month for full coverage. An accident raises the average price of car insurance by 66%.
| Company | Monthly rate |
|---|---|
| State Farm | $70 |
| USAA* | $78 |
| Progressive | $100 |
| State Average | $106 |
| Allstate | $123 |
| Concord | $130 |
| GEICO | $133 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
| Company | Monthly rate |
|---|---|
| State Farm | $76 |
| USAA* | $105 |
| State Average | $144 |
| Progressive | $149 |
| Allstate | $158 |
| Concord | $171 |
| GEICO | $195 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
Cheapest car insurance for Maine drivers with an OUI
State Farm offers the cheapest car insurance to Maine drivers with an operating under the influence (OUI) violation, charging $70 a month for full coverage. The next-best rates are available from Progressive, $84 a month, and USAA, $141 a month.
In other states, OUIs are known as DUIs (driving under the influence) or DWIs (driving while intoxicated). Under Maine laws, you can be convicted of OUI if you are found driving with a blood alcohol content of 0.08% or higher.
In Maine, an OUI raises the average price of car insurance by 84% to $160 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $70 |
| Progressive | $84 |
| USAA* | $141 |
| Allstate | $151 |
| State Average | $160 |
| Concord | $190 |
| GEICO | $327 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
Cheapest car insurance for teen drivers in Maine
USAA offers the cheapest car insurance to teen drivers in Maine, charging 18-year-olds $89 a month for minimum coverage and $106 a month for full coverage.
The next-best rates for 18-year-olds in Maine are available from State Farm, which charges $109 a month for minimum coverage and $209 a month for full coverage.
| Company | Monthly rate |
|---|---|
| USAA* | $89 |
| State Farm | $109 |
| Allstate | $109 |
| State Average | $155 |
| Concord | $176 |
| GEICO | $221 |
| Progressive | $262 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
| Company | Monthly rate |
|---|---|
| USAA* | $186 |
| State Farm | $209 |
| Concord | $268 |
| Allstate | $270 |
| State Average | $301 |
| GEICO | $412 |
| Progressive | $490 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
Teens have the highest crash rates among all age groups nationwide, and this is one of the main reasons why teens are charged such high rates for car insurance.
If you are a teen driver, you can typically get a lower rate by being added to a policy with your parent or guardian than you can on your own.
Many car insurance companies offer discounts to families with teen drivers who maintain good grades and/or complete an approved driver-education course.
Cheapest car insurance for teens with a ticket or accident
USAA and State Farm offer the cheapest car insurance to teens with a prior speeding ticket or accident.
The cheapest car insurance rates for 18-year-olds with a speeding ticket are available from USAA, $201 a month, and State Farm, $231 a month.
For 18-year-olds with a prior accident, the cheapest rates are also available from USAA, $251 a month, and State Farm, $254 a month.
| Company | Monthly rate |
|---|---|
| USAA* | $201 |
| State Farm | $231 |
| Allstate | $307 |
| Concord | $309 |
| State Average | $342 |
| GEICO | $412 |
| Progressive | $527 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
| Company | Monthly rate |
|---|---|
| USAA* | $251 |
| State Farm | $254 |
| Allstate | $406 |
| Concord | $408 |
| State Average | $423 |
| GEICO | $460 |
| Progressive | $629 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
Cheapest car insurance for teens with an OUI
USAA offers the cheapest rates to teens with a prior OUI, charging 18-year-olds $251 a month for full coverage, followed by State Farm, which charges $254 a month.
In Maine, an OUI raises the cost of car insurance for an 18-year-old by 43%, compared to the rate a peer with a clean driving record pays.
| Company | Monthly rate |
|---|---|
| State Farm | $231 |
| USAA* | $315 |
| Allstate | $389 |
| State Average | $430 |
| Concord | $453 |
| Progressive | $490 |
| GEICO | $592 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
Cheapest car insurance for Maine’s senior citizen drivers
State Farm and USAA offer the cheapest minimum-coverage car insurance to Maine’s senior citizen drivers, with both companies’ rates averaging $32 a month for 60-year-olds.
State Farm offers the cheapest full-coverage car insurance for this age group, $61 a month, followed by USAA, $67 a month, and Progressive, $70 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $32 |
| USAA* | $32 |
| Progressive | $39 |
| State Average | $43 |
| Allstate | $51 |
| GEICO | $56 |
| Concord | $64 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
| Company | Monthly rate |
|---|---|
| State Farm | $61 |
| USAA | $67 |
| Progressive | $70 |
| State Average | $81 |
| Concord | $104 |
| Allstate | $105 |
| GEICO | $108 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
Cheapest car insurance for seniors with a prior ticket or accident
State Farm offers the cheapest car insurance to seniors with a speeding ticket on their record, charging 60-year-olds $68 a month, followed by USAA, $76 a month.
State Farm also offers the cheapest rates to seniors with a prior at-fault accident, $74 a month, again followed by USAA, $103 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $68 |
| USAA* | $76 |
| State Average | $98 |
| Progressive | $99 |
| Allstate | $118 |
| Concord | $119 |
| GEICO | $119 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
| Company | Monthly rate |
|---|---|
| State Farm | $74 |
| USAA* | $103 |
| State Average | $135 |
| Progressive | $148 |
| Allstate | $152 |
| Concord | $157 |
| GEICO | $182 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
Cheapest car insurance for seniors with an OUI
State Farm offers the cheapest car insurance in Maine to seniors with an OUI, $68 a month, followed by Progressive, $84 a month, and USAA, $138 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $68 |
| Progressive | $84 |
| USAA* | $138 |
| Allstate | $145 |
| State Average | $151 |
| Concord | $175 |
| GEICO | $314 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
Auto insurance rates by city in Maine
In Maine’s largest cities by population, auto insurance rates range from $42 a month in Bangor to $48 a month in Lewiston for minimum coverage. The average price of minimum-coverage car insurance in Portland, the state’s largest city, is $47 a month.
| City | Monthly rate |
|---|---|
| Auburn | $47 |
| Bangor | $42 |
| Biddeford | $45 |
| Brunswick | $43 |
| Lewiston | $48 |
| Portland | $47 |
| Sanford | $46 |
| Scarborough | $45 |
| South Portland | $46 |
| Westbrook | $46 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Auto insurance requirements and laws in Maine
Maine requires motorists to carry liability, uninsured motorist and medical payments insurance and relies on comparative-fault laws to determine financial responsibility for car accidents.
Are you required to have car insurance in Maine?
Maine law requires drivers to carry 50/100/25 liability coverage, as well as uninsured motorist and medical payments coverage, with the following minimum limits:
- Bodily injury liability: $50,000 per person/$100,000 per accident
- Property damage liability: $25,000
- Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
- Medical payments: $2,000 per person
Here’s how the coverages work:
Bodily injury liability: Covers medical treatment that others suffer in an accident you cause, and property damage liability covers damage you cause to other people’s vehicles or property.
Uninsured/underinsured motorist: Covers injuries you and/or your passengers suffer in an accident caused by a driver without insurance or one without enough insurance to cover your medical bills in their entirety.
Medical payments: Covers treatment for injuries you and/or your passengers suffer in a car accident, regardless of fault.
Optional auto insurance coverages to consider in Maine
Collision coverage, comprehensive coverage and guaranteed asset protection (GAP) are the most important optional coverages to consider in Maine. Here’s how these coverages work:
Collision: Covers damage your car sustains in a collision with another vehicle or an object, or hit-and-run. If you are involved in an accident caused by someone else, the at-fault driver’s property damage liability should cover your car repairs. However, collision can cover your share of repair costs if you are partially responsible. Collision comes with a deductible, which is the amount you pay on repairs before insurance funds kick in.
Comprehensive: Covers theft of your vehicle and damage to your car from any cause other than a collision. This includes damage from fire, flood, a falling object or vandalism. Comprehensive also comes with a deductible.
GAP Insurance: Covers the difference between your car’s value and your loan balance when you are upside-down in your financing. You can usually also purchase GAP insurance from the car dealership, but it’s often cheaper to get it from an insurance company.
Collision and comp are typically required for a car loan or lease. GAP insurance is typically required for a lease, and some lenders require it if your loan amount exceeds your car’s market value.
Maine’s comparative-fault auto insurance laws
Under Maine’s comparative-fault auto insurance laws, your share of financial responsibility for a car accident you cause may be reduced if the other party is partially responsible.
For example, if you are 100% responsible for causing an accident, you are 100% responsible for the other party’s medical bills and car repairs.
However, if an investigation determines that the other driver has a 25% share of responsibility for the accident, you are only responsible for 75% of their expenses.
If your share of costs from an accident exceeds your policy’s coverage limits, you can be held personally responsible for the shortfall. This is the main reason to consider coverages and limits that exceed the state’s minimum requirements.
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How does SR-22 insurance work in Maine?
If you commit certain offenses, such as multiple OUIs, you may need to file an SR-22 proof of auto insurance certificate with the Maine Bureau of Motor Vehicles to have your driver’s license reinstated.
In Maine, you have to let the insurance company know about your SR-22 requirement when you purchase your policy, and they’ll file the certificate for you.
The SR-22 form itself typically does not add much to the cost of your insurance policy, other than the small filing fee most companies charge. However, the violations that led to the filing requirement may put you in a non-standard category with high auto insurance rates for three to five years, depending on the company.
Frequently asked questions about car insurance in Maine
Do you need car insurance in Maine?
All motorists are required to carry liability, uninsured/underinsured motorist and medical payments coverage in Maine, with specified minimum limits. Additional coverages and higher limits are available.
How much is car insurance in Maine?
The average cost of car insurance is $45 a month for a minimum-coverage policy and $87 a month for full coverage.
Is Maine a no-fault auto insurance state?
Maine is not a no-fault insurance state. Under Maine’s comparative-fault laws, you are financially responsible for injuries and damage you cause in a car accident. Your financial obligations may be reduced if the other driver is partially at fault.
Methodology
We obtained non-binding car insurance quotes from Quadrant Information Services for a typical driver in every ZIP code in Maine’s 10 largest cities. Unless otherwise noted, a typical driver is a 35-year-old male with no prior accidents or violations. He owns a 2012 Honda Accord LX and drives an average of 13,500 miles a year.
Minimum-coverage insurance rates are based on a policy meeting Maine’s minimum requirements for bodily injury and property damage liability, uninsured/underinsured motorist coverage and medical payments.
Full-coverage policies include the minimum requirements plus the following additional coverages, limits and deductibles:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $100,000
- Collision coverage: $500 deductible
- Comprehensive coverage: $500 deductible
Sources:
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