Low-cost car insurance in Maine

Why you can trust Insure.com

Quality Verified

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.

In Maine, Travelers offers the cheapest average premium at $964 per year. For comparison, the statewide average monthly cost is $142, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In Maine, the minimum liability requirement is $50,000 for bodily injury per person, $100,000 for bodily injury per accident, and $25,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver categories.

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

In Maine, drivers living in the 4017 ZIP code enjoy the lowest average annual premium at $1,485. Check the table below to see which other ZIP codes in the state have more affordable rates.

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

You might find interesting

Explore related topics

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

See rates in your city

Bangor

Portland

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

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

Insurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.

Low-cost car insurance after a speeding ticket in Maine

Just one speeding ticket in Maine can raise your rates by 30% – $519 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

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

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. Travelers is the lowest-cost option for these drivers, with an average annual premium of $1,442.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

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 insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. That’s because minimum liability only pays for injuries or damage you cause to others, leaving you to cover repairs or replacement of your own car out of pocket. Full coverage, on the other hand, includes collision and comprehensive insurance, so your vehicle is protected in situations like accidents, theft, storms, or vandalism.

The average cost of full coverage car insurance in Maine is $812 less than the national average car insurance rates in the U.S.

We recommend that you carry at least coverage limits of 100/300/100 – that’s $100,000 in bodily injury coverage per person, $300,000 per accident, and $100,000 in property damage coverage. These limits provide a better safety net if you’re involved in a serious accident where costs could quickly exceed minimum requirements.

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

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage 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.