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No. 1 least expensive: Maine

Last updated: April 18, 2019

By , Insure.com

Maine car insurance rates

Average annual rate: $845

Average annual rate for the top-selling vehicle in the country first quarter of 2019 F-150: $786

Average annual rate for the top-selling SUV in the country first quarter of 2019 Toyota RAV4 LE: $821

Average annual rate for the top-selling sedan in the country first quarter of 2019 Toyota Camry L: $973

Maine claimed the number one spot this year after falling out of the top 10 cheapest states for car insurance last year. Every other year Maine was in the top three at least, and claimed the cheapest title six times since we began the study in 2010 – so this year makes lucky seven.

Motorists in Maine are lucky to see annual premiums that are 42 percent below the 2019 national car insurance average and 39 percent lower than its average rate last year. Maine’s annual rate is 209 percent lower than Michigan, the most expensive state, whose premium is $2,611.

A rural state with few large cities helps Maine top the “cheap” list of states for car insurance. It ranks 38th in population density. Its rural setting allows drivers to stay away from traffic, or accidents. Fewer accidents lead to fewer claims and lower auto insurance rates.

In addition to a low-density rate, Maine has a very low rate of uninsured drivers. According to the IRC report, Maine has an uninsured driver rate of 4.5 percent, which is the lowest in the nation.

Maine may get a lot of snow but escapes some of the severe weather that haunts much of the U.S., such as tornadoes, floods and hailstorms, which can cause extensive damage resulting in a lot of claims. More claims results in higher auto insurance rates, so mild weather also contributes to the lower premiums motorists see in the Pine Tree State.

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