Best Auto Insurance Rates in Maine

On average, your neighbors pay $51 a month.

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Compare Auto Insurance in Maine

Maine’s state animal is the moose and you want to be sure that you have adequate insurance coverage if you ever run into one on the road. Here at QuoteWizard, we’ve compiled useful insurance information you can use to make sure your car insurance rates and coverage are what they should be.

This page will show you which types of coverage are legally required in Maine and inform you about important insurance laws. It also has information about the cost of driving and some insights about insurance risk in Maine.

Average Maine Car Insurance Rates

Congratulations Maine! Car insurance in Maine is far cheaper than it is in most of the country. On average, Maine drivers pay 30% less for auto insurance than the average American. It’s not a coincidence that Maine is ranked second for lowest number of uninsured motorists. The average cost of car insurance in Maine is $617.73 per year. The national average price is $889.01.

Prices may vary depending on your car, driving record, zip code, limits, and the number of claims filed in your neighborhood.

Maine (ME) Average Annual Car Insurance Rates
Coverage Rates
Liability $338.87
Collision $259.98
Comprehensive $104.98
Total Cost Per Year $617.73
Price Per Month $51.47
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Maine rates from 2011 to 2015, the most recent year the data is available. According to the III, Maine car insurance rates increased from $577 in 2011 to $617 in 2015, a jump of $40 dollars, or 6.99 percent.

Maine average car insurance rates

Finding the right car insurance company and policy in Maine just got easier. Say goodbye to countless hours of researching offerings and comparing rates. With QuoteWizard’s help, you can do both in a matter of minutes--even seconds.

We’ll connect you to a number of top auto insurance companies so you can quickly compare quotes and find the coverage you need for a price you can afford.

Last year, 11,011 people used QuoteWizard to compare quotes from top companies and find the cheapest car insurance in Maine.

Most Common Auto Insurance Companies in Maine

These are the most frequently used auto insurance companies of QuoteWizard users in Louisiana. Of the 22,774 Maine drivers who used QuoteWizard to find auto quotes last year, 2,408 were uninsured.

  1. Progressive
  2. GEICO
  3. Liberty Mutual
  4. State Farm
  5. Allstate
  6. AAA
  7. Metlife
  8. Nationwide
  9. USAA
  10. Travelers

Need help figuring out which insurance company is best for you? Look at them side-by-side on ourcomparison page . You will find extensive overviews of the biggest auto insurers in the US.

Are you looking for high-risk auto coverage? If voluntary providers don’t have what you need, contact the Maine Automobile Insurance Plan (MAIP) . MAIP is there to make sure you have the minimum insurance you need to drive legally in Maine.

Are you a teenage driver or the parent of one? Finding the right auto insurance can be difficult and expensive. Our research shows that teens can pay around $438 a month for coverage. GEICO, AAA, and State Farm are good recommendations for Maine teen drivers.

Top 10 Vehicles

These are the top automobiles owned by QuoteWizard users in Maine:

  1. Ford F150
  2. Ford Focus SE
  3. Dodge Ram 1500
  4. Chevrolet Silverado
  5. Jeep Grand Cherokee Laredo
  6. Toyota RAV4
  7. Toyota Camry LE
  8. Ford Fusion SE
  9. Toyota Prius
  10. Chevrolet Impala
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Maine Car Insurance Rate Factors

Maine’s average auto coverage is significantly less than in other parts of the country. One of the key reasons for this is their low rate of uninsured drivers. This is one of the factors that goes into calculating your premium, which is based on regional trends rather than personal ones. Others include area driver history and auto theft rates.

Uninsured Drivers

Only 4.5 percent of Maine’s drivers are uninsured. This is the lowest percentage of uninsured drivers in the country. Regions with a high number of uninsured drivers normally see insured driver paying for it with higher premiums.

Best and Worst Drivers

As low as Maine’s rate of uninsured drivers is, our study shows they come in at number one for worst drivers in the country. This ranking is based on citation, speeding ticket, DUI, and crash statistics in Maine last year. Areas with a history of tickets and accidents tend to be considered high-risk by insurers.

Stolen Vehicles

Maine comes in 47th for auto theft incidents. Some vehicles are more attractive to thieves than others. If your car is one of them, you may see a hike in your premium. Below is a list of the most commonly stolen cars in Maine. Have a look to see if yours is high-risk.

  1. 2005 Chevrolet Pickup (Full Size)
  2. 2002 Ford Pickup (Full Size)
  3. 2004 GMC Pickup (Full Size)
  4. 2014 Jeep Cherokee
  5. 2005 Toyota Corolla
  6. 2007 Subaru Legacy
  7. 2012 Chevrolet Impala
  8. 2003 Dodge Pickup (Full Size)
  9. 2003 Ford Focus
  10. 2013 Hyundai Elantra

Car Insurance Discounts in Maine

Insurers tend to offer incentives in the form of discounts for their policyholders. Here are some that may be of interest to Maine drivers:

  1. Maine commuters have an average 22.5-minute drive to work. If your own commute is on the low end of this, your insurer may have a short commute discount for you.
  2. Do you already have life, home, or renters insurance? Ask your carrier if you can bundle it with an auto policy. Bundling helps you save money on both policies.
  3. The average Maine household hastwo cars, followed by three cars. If you or your family has more than one car, see if a multi-car discount is available.
  4. About 8.95 percent of Maine commuters carpool to work. If someone else drives you to work, you might be able to get a low mileage discount. The less you’re behind the wheel, the less of a risk you are.
  5. Maine’s 65-and-older population is on the rise. If you’re one of them, see if your insurance company offers a 55 and retired discount.
Maine drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Car Insurance Laws

Car Insurance Requirements in Maine

Maine law requires that you have minimum car insurance of 50/100/25. What this means is that any coverage you purchase must at least have:

  • Individual Bodily Injury Liability: $50,000
  • Total Bodily Injury Liability: $100,000
  • Property Damage Liability: $25,000

Recommended Coverage

We advise increasing your liability coverage. If you cause a serious car crash, minimum liability may only cover a fraction of the damages. In order to avoid being in a bind, we recommend:

  • Individual Bodily Injury Liability: $100,000
  • Total Bodily Injury Liability: $300,000
  • Property Damage Liability: $100,000

Required Proof of Insurance

Maine state law requires that you be able to provide proof of car insurance upon request from law enforcement. You can provide this information in either physical or electronic format. Failure to provide proof of insurance can result in a fine between $100 and $500. If you can show proof of insurance or financial responsibility was in place at the time of the infraction, the court may dismiss it.

SR-22 Requirements

If your license is suspended in Maine, you may be required to file an SR-22 form. An SR-22 certifies that a driver maintains the fiscal responsibility to meet minimum liability requirements. State law requires the SR-22 to be maintained for a minimum of three years. Further infractions may result in further penalties. An SR-22 usually results in higher auto premiums.

Totaled Cars with Salvage or Rebuilt Titles

If your vehicle is damaged in an accident and the cost to repair it is more than what the car is worth, it is considered totaled. Total loss vehicles get a salvage title. If the vehicle is repaired, it gets a rebuilt title.

Each state has different criteria in regard to totaled cars. In Maine, the threshold for totaled cars is based on a Total Loss Formula (TLF). If the cost of repairs plus the salvage value equals or exceeds the actual cash value of the car, it is totaled.

Finding insurance for a rebuilt or salvage title vehicle in Maine can be a difficult process. The best-case scenario is that you’ll have high premiums. Some insurers won’t even touch these titles.

Medical Payments Coverage

Maine requires drivers to carry $2,000 medical payment coverage as part of their policy. This coverage takes care of medical expenses for you, passengers, or anyone else driving your car.

Maine Traffic Safety Laws

Distracted Driving

Maine has stringent distracted driving laws to reduce accidents. Drivers with learning permits or intermediate licenses are prohibited from using cell phones while driving. Minor drivers under the age of 18 may not use communication devices of any sort. Texting while driving is forbidden for all Maine drivers. Infraction of any of these is a moving violation and a primary offense. That means that you can be pulled over for any of these as the sole reason.

OUI Law

If you are found driving with a Blood Alcohol Content (BAC) of 0.08 percent, you are guilty of Operating Under the Influence (OUI). Depending on how many OUI offenses are on your record, penalties include:

  • A fine of $500 to $2,500
  • Jail time of two days to six months and 20 days
  • License suspension of 150 days to eight years

Regardless of the legal penalties you accrue, your insurance rates will definitely go up. Our study shows that you can pay $830 more a year for auto insurance after a DUI—assuming you are able to find insurance.

Senior Drivers

When you turn 65, you will probably see your rates go up. If you have a clean driving record, the initial increase should be minimal. However, as you get older, the increase will become greater.

In Maine, drivers 65 years and older must renew their license every four years. Senior drivers 62 and older must also pass a vision test at every renewal period.

Cars Registered in Other States

If you’re driving in Maine with a car registered in another state, it must have the insurance coveragerequired by the home state. You are also required to have proof of insurance.

Maine Bureau of Insurance

Website:
Homepage
Insurance Commissioner:
Eric Cioppa
Insurance Hotline:
(800) 300 – 5000
Office Hours:
Monday - Friday
8:00 am to 5:00 pm
File a Consumer Insurance Complaint
Complaint Page

 

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