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Best Car Insurance Companies in Maine 2022 | Quotes, Discounts
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Written by
Lindsay Frankel
Insurance Writer
Lindsay Frankel is a content writer specializing in personal finance and auto insurance topics. Her work has been featured in publications such as LendingTree, The Balance, Coverage.com, Bankrate, NextAdvisor, and FinanceBuzz.
Edited by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.
Updated June 15, 2022
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There’s a lot to explore by car in the Pine Tree State, but if you want to stay legal on the road in Maine, you’ll need an auto insurance policy. Luckily, Maine is one of the most affordable states for car insurance, with average rates 58 percent below the national average. And you can save even more if you compare quotes to find the right insurance company for you.
The easiest way to get car insurance quotes from multiple insurance providers in one place is to use Insurify. You’ll only need to answer a few questions about your vehicle and driving history, and our artificial intelligence technology will find customized quotes from local providers and national companies alike. It’s totally painless and free to use.
See More: Best Car Insurance Companies
Quick Facts
Insurify’s best-rated insurance provider in Maine is Nationwide.
Travelers is the cheapest insurer on average in Maine, with average rates of $75 per month.
The best-rated car insurance provider might not be the best for every unique driver profile, so it’s important for drivers to compare quotes from multiple insurers before buying a policy.
Best Car Insurance Companies 2022
| Rank | Company Name | Average Cost Per Month in Maine | Insurify Composite ScoreThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. |
|---|---|---|---|
| 1 | Nationwide | $110 | 89 |
| 2 | Safeco | $118 | 86 |
| 3 | Liberty Mutual | $116 | 82 |
| 4 | Travelers | $75 | 80 |
| 5 | Midvale Home & Auto | $136 | Not Rated |
| 6 | The General | $142 | Not Rated |
| 7 | Dairyland | $187 | Not Rated |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify Composite Score Methodology
The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.
Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
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Top Car Insurance Companies: Find the Right One for You
What is the best car insurance in Maine?
In Maine, Nationwide, Safeco, Liberty Mutual, and Travelers all offer good customer service, reliably pay claims, and have generally good rates for drivers. Keep in mind that your individual auto insurance rates will depend on factors like your driving record, your age, your gender, and your credit score.
Each car insurance company in Maine will evaluate your information differently when determining your auto insurance rate. That’s why it’s important to compare quotes from different companies. Once you find the providers offering the cheapest premiums, you can identify the most reputable of those companies using the Insurify Composite Score.
See More: Full-Coverage Car Insurance
See More: Bundle Home & Auto Insurance
1
Nationwide
Nationwide offers a range of insurance coverages, including full coverage, gap coverage, and roadside assistance. The company provides a feature-packed mobile app that allows you to quickly file a claim. Nationwide also offers programs for low mileage and safe driving, which can help you save money on your annual premium.
Nationwide has an A+ (Superior) financial strength rating from A.M. Best and was ranked above average in J.D. Power’s 2020 U.S. Auto Claims Satisfaction Study.
Top car insurance discounts that the company offers include:
Multi-policy discount
Good student discount
Defensive driving discount
SmartRide: This usage-based program offers you a discount just for enrolling and ongoing discounts based on your driving behavior.
Nationwide is one of the best car insurance companies in Maine, but rates are higher for certain groups, including teen drivers and those with poor credit. Here’s what you can expect.
| Driver Category | Average Monthly Cost |
|---|---|
| Drivers Under 25 | $189 |
| Drivers Over 60 | $75 |
| Safe Drivers (No Prior Violations) | $110 |
| Drivers With a Prior Accident | $132 |
| Drivers With a Prior Speeding Ticket | $129 |
| Drivers With Average Credit | $126 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
2
Safeco
Safeco sells policies through independent agents and offers minimum liability coverage in addition to collision and comprehensive coverage. The company also offers new vehicle replacement coverage and rental car reimbursement. Safeco policies also include accident forgiveness, claims-free cashback, and diminishing deductible.
Safeco has an A (Excellent) financial strength rating from A.M. Best but was ranked below average in J.D. Power’s 2020 U.S. Auto Claims Satisfaction Study.
Top discounts that the company offers include:
Safe driver discount
Safety feature discount
Bundling discount
While Safeco provides affordable car insurance, car insurance rates will be higher for certain groups. For example, policyholders with a clean driving record will pay less than high-risk drivers. Here’s what you can expect.
| Driver Category | Average Monthly Cost |
|---|---|
| Drivers Under 25 | $218 |
| Drivers Over 60 | $171 |
| Safe Drivers (No Prior Violations) | $91 |
| Drivers With a Prior Accident | $146 |
| Drivers With a Prior Speeding Ticket | $181 |
| Drivers With Average Credit | $134 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
3
Liberty Mutual
Liberty Mutual is a reliable choice for Maine auto insurance. The company has a 4-out-of-5 star average customer rating and a highly rated mobile app. Bodily injury liability coverage, property damage liability coverage, and medical payments coverage come standard with each policy, and there are also 12 additional vehicle coverages that Maine drivers can choose from.
Liberty Mutual has an A (Excellent) financial strength rating with A.M. Best but was ranked below average in J.D. Power’s 2020 U.S. Auto Claims Satisfaction Study.
Top discounts that the company offers include:
RightTrack: Get a discount for enrolling and save up to 30 percent for safe driving behavior with this program.
Multi-policy discount
Student discounts
Car accident-free and violation-free discounts
Liberty Mutual is one of the best auto insurance companies in Maine, but insurance premiums can vary depending on individual factors such as your credit score, driving history, and coverage limits. Young drivers will also pay more. Here’s what you can expect.
| Driver Category | Average Monthly Cost |
|---|---|
| Drivers Under 25 | $185 |
| Drivers Over 60 | $61 |
| Safe Drivers (No Prior Violations) | $106 |
| Drivers With a Prior Accident | $143 |
| Drivers With a Prior Speeding Ticket | $144 |
| Drivers With Average Credit | $123 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
4
Travelers
Travelers offers some of the cheapest rates for both minimum car insurance and comprehensive and collision coverage. The company also offers MedPay and uninsured motorist coverage. The Travelers mobile app is packed with features, including claims filing and direct roadside assistance requests.
Travelers has an A++ (Superior) financial strength rating from A.M. Best but was ranked below average in J.D. Power’s 2021 U.S. Auto Insurance Study for New England.
Top discounts that the company offers include:
Multi-policy discount
Multi-car discount
Safe driver discount
Good student discount
Homeownership discount
Payment discounts
New car discount
Travelers is one of the best cheap car insurance companies in Maine, but the best rates will go to drivers with good credit and no DUIs or other violations. Here’s what you can expect.
| Driver Category | Average Monthly Cost |
|---|---|
| Drivers Under 25 | $111 |
| Drivers Over 60 | $53 |
| Safe Drivers (No Prior Violations) | $70 |
| Drivers With a Prior Accident | $87 |
| Drivers With a Prior Speeding Ticket | $101 |
| Drivers With Average Credit | $81 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
5
Midvale Home & Auto
Midvale Home & Auto offers a wide variety of coverages, including liability insurance that meets the insurance requirements in Maine, comprehensive and collision insurance, and more. The company has an A (Excellent) financial strength rating from A.M. Best but is not ranked in either of J.D. Power’s most recent auto insurance studies.
Top discounts that the company offers include:
Multi-policy discount
Multi-vehicle discount
Student discounts
Payment discounts
While Midvale Home & Auto is able to provide cheap auto insurance for older drivers and those with clean records, certain groups may pay more for Maine car insurance.
| Driver Category | Average Monthly Cost |
|---|---|
| Drivers Under 25 | $201 |
| Drivers Over 60 | $92 |
| Safe Drivers (No Prior Violations) | $112 |
| Drivers With a Prior Accident | $215 |
| Drivers With a Prior Speeding Ticket | $189 |
| Drivers With Average Credit | $147 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
6
The General
The General offers a quick and easy claims process with a robust mobile app. The company also has an A++ (Superior) financial strength rating from A.M. Best. While The General wasn’t ranked in either of J.D. Power’s most recent auto insurance studies, the company has overwhelmingly positive customer reviews on Trustpilot.
Top discounts that the company offers include:
Payment discounts
Good student discounts
Defensive driving course discounts
The General is committed to providing affordable rates for all drivers, but some policyholders will pay more than others. Here’s what you can expect.
| Driver Category | Average Monthly Cost |
|---|---|
| Drivers Under 25 | $208 |
| Drivers Over 60 | $95 |
| Safe Drivers (No Prior Violations) | $135 |
| Drivers With a Prior Accident | $164 |
| Drivers With a Prior Speeding Ticket | $183 |
| Drivers With Average Credit | $149 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
7
Dairyland
While we found some of the highest premiums from Dairyland, the company has excellent customer service reviews on Trustpilot. The company also offers motorcycle and off-road vehicle coverage. Dairyland has an A+ (Superior) financial strength rating with A.M. Best but was not ranked in either of J.D. Power’s most recent auto insurance studies.
Top discounts that the company offers include:
Multi-car discount
Payment discounts
Defensive driver discount
Homeowner discount
Here’s a breakdown of Dairyland’s rates for different groups:
| Driver Category | Average Monthly Cost |
|---|---|
| Drivers Under 25 | $267 |
| Drivers Over 60 | $124 |
| Safe Drivers (No Prior Violations) | $172 |
| Driver With a Prior Accident | $225 |
| Drivers With a Prior Speeding Ticket | $237 |
| Drivers With Average Credit | $197 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Monthly Cost of Car Insurance in Maine
Maine drivers pay an average of $141 per month for car insurance. However, average rates vary by city, and factors such as your age, driving history, and credit score will also affect your premium.
| Maine City | Average Monthly Cost |
|---|---|
| Augusta | $141 |
| Bangor | $125 |
| Bar Harbor | $103 |
| Kennebunkport | $99 |
| Lewiston | $156 |
| Portland | $142 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
See More: Compare Car Insurance
See More: Car Insurance Quotes
How to Determine the Best Car Insurance Company for Yourself
Living in Maine gives you several options of reputable car insurance companies to choose from, and Insurify is the perfect tool for narrowing down your options. When using Insurify, you only need to enter your information once, and you’ll be able to view a handful of customized quotes from different insurance companies in one spot so that you can quickly find the best deal.
We’ll show you options from big providers like State Farm, Allstate, and GEICO, along with quotes from local ones. You can even toggle between coverage limits and deductible amounts to see how different options will affect your rate at each company.
So whether you’re looking for state minimum coverage with medical expenses or a more robust policy, you can find a new policy that fits your needs and your budget with Insurify. In fact, Insurify users save an average of $585 per year just by switching!
See More: Car Insurance for Bad Driving Records
Frequently Asked Questions
After evaluating various indicators of financial strength and customer satisfaction for Maine car insurance, we found that Nationwide is the most reputable and well-reviewed option.
According to Insurify proprietary data, Travelers offers the cheapest premiums to drivers in Maine.
By law, you need to have liability coverage, medical payments coverage, and uninsured/underinsured motorist coverage in Maine. But most drivers should consider getting comprehensive and collision insurance as well.
The best way to get cheap car insurance is to use Insurify to compare rates across multiple companies.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
