Low-cost car insurance in Maine

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Drivers in Maine can find the cheapest average premium with Travelers, at $964 per year. By comparison, the statewide average monthly cost is $142. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Maine requires drivers to carry at least $50,000 in bodily injury coverage per person, $100,000 in bodily injury per accident, and $25,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Maine, depending on your situation.

Key Takeaways

Travelers has the lowest average car insurance premium in Maine, costing $964 per year. That’s $737 the state average.
For drivers with an at-fault accident on record, Travelers offers the most affordable coverage at around $1,442 annually.
The 4017 ZIP code stands out as the cheapest area for auto insurance in Maine, with an average yearly cost of $1,485.

Low-cost car insurance businesses in Maine

When comparing insurers in Maine, Travelers leads the pack with an annual average of $964. That’s $737 less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.

To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.

Here are the annual averages from the most affordable insurance companies in Maine.

Company	Average annual rates
Travelers	$964
Auto-Owners	$1,060
GEICO	$1,441
Progressive	$1,454
Allstate	$2,056
MMG Insurance	$2,073
Farmers	$2,196
State Farm	$2,357
Frankenmuth Insurance	$2,415
USAA*	$997

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Maine

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Maine

Drivers in the 4017 ZIP code pay the lowest average annual premium in Maine, at $1,485. See which other areas of the state offer more affordable rates below.

ZIP code	City	Average annual rates
4017	Chebeague Island	$1,485
4096	Yarmouth	$1,485
4110	Cumberland Foreside	$1,493
4021	Cumberland Center	$1,500
4043	Kennebunk	$1,508
4074	Scarborough	$1,508
4107	Cape Elizabeth	$1,509
4005	Biddeford	$1,515
4105	Falmouth	$1,521
4108	Peaks Island	$1,523

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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 city

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Low-cost car insurance in Maine by age

Teen drivers in Maine pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $5,290 more than a 40-year-old driver in Maine.

The table below shows low-cost car insurance rates for drivers of different ages.

Age group	Full coverage annual premiums
Teens (16-19)	$5,759
Young Adults (20-24)	$3,094
Adults (25-60)	$1,738
Seniors (65-75)	$1,616

Low-cost car insurance in Maine by driver history

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

Low-cost car insurance after a speeding ticket in Maine

One speeding ticket in Maine can cause your insurance rates to jump by 30%, or roughly $519 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Auto-Owners	$1,060	$1,218	15%	$157
Travelers	$964	$1,476	53%	$512
Progressive	$1,454	$1,923	32%	$469
GEICO	$1,441	$2,202	53%	$761
Allstate	$2,056	$2,295	12%	$239
State Farm	$2,357	$2,538	8%	$181
Frankenmuth Insurance	$2,415	$3,058	27%	$643
Farmers	$2,196	$3,165	44%	$970
USAA*	$997	$1,127	13%	$130

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Maine

After an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. Travelers has the lowest average rate at $1,442 per year.

If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in Maine with the most affordable rates for drivers with an accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Travelers	$964	$1,442	50%	$478
Auto-Owners	$1,060	$1,576	49%	$515
GEICO	$1,441	$2,318	61%	$877
Progressive	$1,454	$2,407	65%	$953
State Farm	$2,357	$2,751	17%	$395
Allstate	$2,056	$2,929	42%	$873
Frankenmuth Insurance	$2,415	$3,044	26%	$629
Farmers	$2,196	$3,463	58%	$1,268
USAA*	$997	$1,514	52%	$517

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Maine

A DUI often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in Maine keep their premiums lower than others. The table below shows the most affordable options available after a DUI.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Travelers	$964	$1,541	$577	60%
Progressive	$1,454	$1,669	$215	15%
Auto-Owners	$1,060	$1,768	$708	67%
State Farm	$2,357	$2,538	$181	8%
Allstate	$2,056	$2,819	$763	37%
Farmers	$2,196	$3,465	$1,270	58%
GEICO	$1,441	$3,739	$2,298	159%
Frankenmuth Insurance	$2,415	$10,840	$8,425	349%
USAA*	$997	$2,024	$1,027	103%

*USAA is only available to military community members and their families.

Average cost of car insurance Maine

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In Maine, the average cost of full coverage is $812 less compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.

If you lease or finance your car in Maine, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.

The bottom line on saving and staying protected

Everyone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.

The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest car insurance in Maine.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Maine. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

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.