Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Maine Average car insurance cost in Maine The average full coverage car insurance cost in Maine is $1,701 annually, or $142 monthly. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 10, 2025 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed A full coverage car insurance policy costs around $1,701 a year or $142 per month for Maine drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $377 a year.Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium. Average annual cost $1,701 Average per month cost $142 Average cost for state minimum coverage $384 / Year Cheapest car insurance company Travelers($964 / Year) Average cost for young drivers $3,094 / Year Average cost for Senior drivers $1,616 / Year Average car insurance cost in Maine If you live in Maine can expect to pay an average of $142 per month for full coverage car insurance – that’s $1,701 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $31 monthly or $377 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in MaineTravelers has the cheapest rates, at an average annual cost of $964 or $80 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Auto-Owners also stands out for its affordable premiums, with an average cost of $88 per month or $1,060 annually.While these insurance companies have some of the lowest average rates in Maine, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance. Affordable car insurance providers in Maine Graph Table Company nameAverage per month costAverage annual costTravelers$80$964Auto-Owners$88$1,060GEICO$120$1,441Progressive$121$1,454Allstate$171$2,056MMG Insurance$173$2,073Farmers$183$2,196State Farm$196$2,357Frankenmuth Insurance$201$2,415USAA*$83$997*USAA is only available to military community members and their families.Powered by: Updated with latest data Maine car insurance calculator Select Year Select Year20242023202220212020201920182017201620152014 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedes-AMGMercedes-BenzMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechIntegra Type SMDXMDX SH-AWDMDX SH-AWD A-SpecMDX SH-AWD AdvanceMDX SH-AWD TechnologyMDX SH-AWD Type SMDX SH-AWD Type S Advance PackageMDX TechnologyRDX SH-AWDRDX SH-AWD A-SpecRDX SH-AWD A-Spec AdvanceRDX SH-AWD AdvanceRDX SH-AWD TechnologyTLX 2.0T SH-AWD A-SpecTLX 2.0T TechnologyTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2024 Cylinders 4 Make & Model Acura - Integra State Maine Style 2WD 4 Door Hatchback Automatic Turbo Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage $483/Year OR $40/month Full Coverage $1,690/Year OR $141/month Maine Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average cost of car insurance by coverage levels in MaineYour car insurance cost largely comes down to the coverage limits you pick.If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $31 a month, or about $377 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.On average, drivers in Maine pay around $142 per month, or roughly $1,701 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.Coverage limitsAverage annual costState minimum liability-only$377Liability only$384Full coverage$1,701Non-owner state minimum liability$201Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Maine by cityBangorPortlandAverage car insurance cost in Maine by cityCar insurance rates can vary widely depending on where you live, even within Maine.Cities like Lewiston, Augusta, or Auburn tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like Biddeford or Westbrook, with average annual premiums between $1,515 and $1,526.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.CityAverage annual costBiddeford$1,515Westbrook$1,526Saco$1,536South Portland$1,541Portland$1,586Bangor$1,613Sanford$1,645Auburn$1,659Augusta$1,666Lewiston$1,695Powered by:Average car insurance cost in Maine by ageAge is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in Maine, based on age and gender.Average car insurance cost in Maine for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in Maine pays an average of $4,521 annually for car insurance, compared to $3,733 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $2,211 per year for male drivers and $1,960 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$4,521$3,73321$3,381$2,91522$3,108$2,78223$2,858$2,61924$2,641$2,380Powered by:Average car insurance cost in Maine for adult driversAn adult driver aged 25-60 in Maine pays $1,786 annually for full coverage, or around $149 each month. Women in the same age group pay $1,689 per year or $141 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,211$1,96030$1,848$1,77035$1,794$1,72540$1,736$1,66745$1,722$1,64950$1,675$1,60355$1,657$1,57660$1,645$1,566Powered by:Average car insurance cost in Maine for senior driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $1,627 annually, while women pay $1,550.By 70, average rates go up to $1,674 for men and $1,589 for women. At age 75, costs increase further, reaching $1,671 for men and $1,585 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,627$1,55070$1,674$1,58975$1,671$1,585Powered by:Minimum car insurance requirements in MaineWhether you’re buying your first insurance policy or just moved to Maine, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in Maine must carry at least the following minimum liability coverage:Bodily injury per person: $50,000Bodily injury per accident: $100,000Property damage liability: $25,000Cheapest cars to insure in MaineThe type of car you drive plays a significant role in determining your insurance premium. Vehicles with high repair expenses, theft rates or a history of accidents usually cost more to insure. On the other hand, those with high safety ratings, lower repair costs and fewer insurance claims tend to have more affordable rates.Hyundai Venue is one of the cheapest cars to insure in Maine, with an average premium of $1,176 per year. Honda HR-V has an average annual cost of $1,221.The table below shows the cars with the lowest average insurance rates.Make ModelAverage annual premiumHyundai Venue$1,176Honda HR-V$1,221Chevrolet TrailBlazer$1,245Hyundai Kona$1,282Kia Niro Hybrid$1,299Chevrolet Express$1,303Kia Seltos$1,317Ford Escape Hybrid$1,321Ford Escape$1,327Chevrolet Trax$1,327Powered by:Most expensive cars to insure in MaineMaserati Quattroporte tops the list as the most expensive car to insure in Maine, at an average annual cost of $5,361. Below is a list of the most expensive vehicles to insure in Maine and their average annual premiums.Make ModelAverage annual premiumMaserati Quattroporte$5,361Maserati Ghibli$4,734Porsche 911 Turbo$4,453Mercedes-AMG G63$4,416Mercedes-AMG EQS$4,400Audi S8$4,389BMW M8 Gran Coupe$4,383BMW M8$4,315Audi RS7$4,181Audi RS6$4,171Powered by:Car insurance costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Young drivers aged 20-24Adult drivers aged 25-26Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in MaineCheapest car insurance companies in MaineAverage cost of car insurance by coverage levels in MaineAverage car insurance cost in Maine by cityAverage car insurance cost in Maine by ageMinimum car insurance requirements in MaineCheapest cars to insure in MaineMost expensive cars to insure in MaineMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330