Cheap Auto Insurance in Maine (2023)

The average cost of car insurance in Maine is $129 per month, making it the fourth-cheapest state for car insurance in the country. While individual factors such as your age and driving history will affect your rates, you can find cheap car insurance in Maine from a variety of reputable auto insurance companies if you compare quotes. 

Best cheap car insurance in Maine: Travelers

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Travelers

Best Cheap Car Insurance Maine

Insurify’s data team analyzed more than 70 million car insurance quotes, as well as data related to customer satisfaction and financial strength, to find the best car insurance in Maine. The table below shows the cheapest auto insurance providers in order of monthly premium, along with their Insurify Composite Scores. Travelers offers the cheapest car insurance in Maine. With an average premium of $69 per month, Travelers is $24 cheaper than Nationwide. However, Nationwide has a higher Insurify Composite Score. 

Minimum car insurance requirements in Maine

Maine requires residents to carry insurance on all motor vehicles they operate or park on the state’s roadways. You’ll need to carry proof of insurance in your car at all times and have it available when:

• A law enforcement officer asks to see it

• You renew your vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Maine are:

• $50,000 per person for bodily injury

• $100,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Maine is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.  

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident. 

• $100,000 per accident for uninsured/underinsured motorists

Uninsured and underinsured motorist coverage pays for costs caused by a driver who is either uninsured or doesn’t have enough coverage to cover all the costs of the damage they caused. In Maine, drivers are required to purchase coverage for both uninsured and underinsured drivers for bodily injury.

Maine DMV information

The Maine Bureau of Motor Vehicles offers a variety of services, including titling, registration, driver education, and driver’s licenses and IDs.1 The following services can be completed online:

• Driver’s license and ID renewals

• Driving record requests

• Driver’s license reinstatement payments

• Duplicate vehicle registration purchases

• Organ donor registration

• Oversize/overweight permits

• Vehicle registration renewals

• Title records searches

• Title replacement

• Trailer registration renewals

• Vanity plate purchases

• Unified carrier registrations

If you need an SR-22 on file due to a driving violation, your insurance company can also file the certificate online at NICInsuranceFilings.com.2

Public transportation in Maine

In Maine, only about 0.5% of residents used public transportation in 2020.3 Most people drove to work alone, with an average commute time of about 24 minutes. Even the largest cities in Maine aren’t as walkable as major hubs in other states.4 However, public transit options are available in Maine if you can’t afford to maintain and operate a vehicle. 

The Maine Department of Public Transportation’s Transit Program oversees 20 bus-service providers, along with train service through Casco Bay Lines and the Downeaster passenger rail.5 But you may have fewer options for getting around outside of major metropolitan areas. 

Tips for getting cheap car insurance in Maine

Shopping around and comparing quotes from multiple insurers is the best way to make sure you’re getting the best price on a policy that meets your needs. Here are some other things you can do to save on car insurance:

• Shop around. Every car insurance company will weigh your individual information differently, so be sure to compare car insurance quotes to get the best price. 

• Ask about discounts. Ask your insurance agent if you qualify for any savings opportunities, such as a bundling discount. Comparison sites typically add in relevant discounts automatically.

• Raise your deductible. Opting for a higher deductible will lower your premiums, but be sure you have enough in savings to cover the amount in the event of a claim. 

• Lower your coverage limits. Opting for less coverage or liability-only coverage can be one way to save money on your premiums, but if at all possible, you should maintain full-coverage insurance. 

• Improve your credit. Paying down debt may help improve your credit so you can get a lower car insurance rate. 

• Take a driving course. Taking the Maine Driving Dynamics course may qualify you for an insurance discount at some companies. 

Liability-only vs. full-coverage insurance in Maine

If you live in Maine, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

• You have a low-value vehicle.

• You can afford to repair or replace your car out of your own pocket.

• Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive coverage pays for damages caused by events out of your control, like vandalism, theft, weather, and damage caused by animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

• You have a high-value vehicle.

• You wouldn’t be able to afford to repair or replace your car out of pocket.

• Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the average monthly quotes for the cheapest auto insurance in Maine by policy type.

How your driving history affects Maine car insurance rates

Driving violations can significantly increase your car insurance premiums. If you have speeding tickets, DUIs, or at-fault accidents on your record, you’ll pay more for auto insurance. For example, an at-fault accident more than doubles car insurance rates in Maine on average. But some companies are more lenient with driving mistakes than others. 

Take a look below for a better idea of how various driving violations can affect your car insurance rate in Maine. This data is provided through Insurify’s proprietary database, as well as third-party databases provided through Quadrant Information Services.

See More: High-Risk Car Insurance Maine

SR-22 insurance in Maine

After a DUI, Maine law requires you to have an SR-22 certificate on file for three years. This is filed by your insurer and acts as proof that you have the required coverages, which include:

• $50,000 per person and $100,000 per accident in bodily injury liability coverage

• $25,000 in property damage liability coverage

• $50,000 per person and $100,000 per accident in uninsured motorist coverage

• $2,000 in MedPay coverage

How credit scores affect Maine car insurance quotes

Car insurance companies in Maine consider your credit-based insurance score as a factor when setting your rates. That’s because research shows a correlation between poor credit and high claims filing.5 If you’ve missed payments or are carrying a lot of debt, you’ll likely find higher car insurance premiums. 

In fact, drivers with poor credit pay about 51% more for car insurance in Maine than drivers with excellent credit. Below are the average rates you can expect in Maine based on your credit tier. 

Read More: Car Insurance Rates by Credit Tier

How your city affects Maine insurance quotes

Your address will also affect your car insurance rates. For example, drivers in cities with higher crime or more traffic are likely to pay more for auto insurance coverage. 

Drivers can generally find very affordable rates in Windham and Portland, while Saco is much more expensive. Here’s what you can expect to pay, on average, in each of the most populous cities in Maine. These averages are calculated using data from Insurify’s database of more than 70 million quotes. 

How your age affects your Maine car insurance rates

Car insurance companies consider your age when setting your rates because it relates to your experience on the road. Teen drivers pay the most for car insurance because they’re almost three times more likely to die in an accident.6 Older drivers tend to pay the least because they have the most experience, but rates can sometimes increase slightly for drivers in their 80s. 

Here’s what you can expect to pay for car insurance in Maine based on your age, according to Insurify’s data. 

Learn More: Compare Car Insurance by Age and Gender

Quotes for younger drivers

In Maine, drivers under the age of 25 can find the cheapest rates with Travelers, with liability-only policies costing just over $50. However, young drivers with infractions on their record, such as an accident or a DUI, can expect to pay well over $100 for car insurance every month.

Take a look at the table below to get an idea of how much young drivers in Maine pay for insurance. Quotes shown below are sourced from Insurify’s proprietary database of more than 70 million car insurance quotes.

Quotes for middle-aged drivers

Middle-aged drivers in Maine typically find much cheaper car insurance policies than their younger counterparts. This is, in part, due to more experience on the road as well as a tendency to have a better credit history. Middle-aged drivers in Maine can find the cheapest rates with Nationwide and Liberty Mutual, with Progressive also providing affordable options. 

Check out the table below for the cheapest car insurance rates for middle-aged drivers in Maine, along with the companies that provide these rates. These quotes are averages taken from Insurify’s database of more than 70 million insurance quotes. Your particular rate may differ.

Quotes for senior drivers

Senior drivers in Maine, particularly those in their 60s and 70s, benefit from some of the cheapest car insurance rates overall. Liberty Mutual and non-standard provider The General have some of the best deals for older drivers in Maine. Check out the table below for more quotes for senior drivers, based on their driving record and policy preferences.

Maine car insurance FAQs

Car insurance is an unavoidable expense, so it makes sense to search for the best deal you can find on the coverage you need. To help, here are answers to some commonly asked questions about car insurance in Maine.

Insurify Insights

How Maine Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Maine below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Maine drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Chevrolet Silverado

Most Popular Car in Maine

#48

State with the Most Speeding Tickets Rank

#45

State with the Moving Violations Rank

#22

State with the Most DUIs Rank

#37

State with the most Suspended Licenses

• Accidents in Maine

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Maine is the #31 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #31
  • Percent of drivers in Maine with an accident: 8.2%
• DUIs in Maine

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Maine is the #22 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #22
  • Percent of drivers in Maine with a DUI: 1.6%
• Reckless Driving in Maine

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Maine is the #50 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #50
  • Percent of drivers in Maine with a reckless driving offense: 0.3%
• Rude Driving in Maine

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Maine is the #50 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #50
  • Percent of drivers in Maine with a rude driving violation: 0.4%
• Speeding in Maine

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Maine is the #48 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #48
  • Percent of drivers in Maine with a speeding ticket: 5.1%
• Failure to Yield Rates in Maine

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Maine is the #45 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #45
  • Percent of drivers in Maine with a failure to yield violation: 0%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.