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Non-owner car insurance in Maine costs $235 annually, which is $145 lower than the rest of the nation on average, according to a 2023 rate analysis by Insure.com.

Many companies offer these policies in Maine, such as Frankenmuth Insurance, Travelers and Progressive.

Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

In addition to understanding the various requirements, it’s important to know what non-owner insurance is, which companies offer it and how much it costs in Maine.

How much does non-owner car insurance cost in Maine?

Insurers consider non-owner policyholders as less of a risk due to their limited access to a vehicle. Therefore, it’s usually cheaper to buy a non-owner insurance policy than typical car insurance.

On average, in the U.S., it costs $1,682 annually for a 100/300/100 full coverage insurance policy. This includes $100,000 for injuries you may cause in an accident, up to $300,000 per accident, and an additional $100,000 for property damage. This applies to drivers with a clean driving record plus a good credit score. In Maine, it’s $1,122.

On the other hand, on-owner auto insurance costs $235 a year in Maine and $380 on average in the U.S. by comparison.

Different variables can impact rates, such as how old you are, your chosen insurance company and your driving history.

Which insurer offers the cheapest non-owner insurance rates in Maine?

In Maine, Geico’s non-owner insurance policy is the cheapest at $76 on average.

At $447, Farmers Insurance charges the highest rate for non-owner insurance in the state.

You should compare quotes from multiple insurers in order to find the best price. The cheapest non-owner policies available in Maine are listed below.

Cheapest non-owner insurance rates in Maine

CompanyAverage annual premium
Geico$76
USAA$104
Frankenmuth Insurance$165
Travelers$237
Progressive$381

You should note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Maine by age?

Age is also important when it comes to pricing. Young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. Maine non-owner insurance costs, on average, $828 a year for a 16-year-old, whereas it’s $232 for a 45-year-old driver.

Average non-owner car insurance rates in Maine by age and gender

AgeMaleFemale
16$849$806
17$804$757
18$724$687
19$484$430
20$433$389
21$339$314
22$315$298
23$297$283
24$280$269
25$245$248
30$239$242
35$237$241
40$235$236
45$231$232
50$231$232
55$229$229
60$229$229
65$225$226
70$225$226
75$221$222

Which Maine cities have the cheapest non-owner auto insurance?

From ZIP code to ZIP code, rates can be very different. Insurers set rates based on factors such as theft, collisions and vandalism in different U.S. cities.

Below are charts showing which cities in Maine have the lowest and highest non-owner car insurance rates.

The 20 Maine cities with the lowest non-owner auto insurance rates

Cities in MaineLowest non-owner car insurance rates
Patten$207
Medway$210
Stacyville$210
Greenville$211
Houlton$211
Mattawamkeag$211
Monson$211
Monticello$211
Sebec$211
Washburn$211
Wytopitlock$211
Brownville$212
Dexter$212
East Millinocket$212
Easton$212
Mars Hill$212
Oakfield$212
Presque Isle$212
Smyrna Mills$212
Winn$212

The 20 Maine cities with the highest non-owner car insurance rates

Cities in MaineHighest non-owner car insurance rates
Lewiston$286
Danville$281
Auburn$279
Durham$275
Portland$269
South Freeport$268
Raymond$261
Ocean Park$260
South Casco$260
New Gloucester$259
South Windham$259
Waterville$259
East Baldwin$258
Westbrook$258
Casco$257
Fairfield$257
Falmouth$257
South Portland$257
Sargentville$256
Sebago$256

How much is non-owner car insurance in Maine’s 10 biggest cities?

The largest cities in Maine can have significantly different non-owner insurance rates. The non-owner insurance price in Lewiston is the most expensive at $286 a year, but Bangor has the least expensive rates among the largest cities in the state at $238.

Non-owner auto rates in Maine’s 10 largest cities

10 largest cities in MaineNon-owner car rates
Lewiston$286
Auburn$279
Portland$269
Westbrook$258
South Portland$257
Augusta$253
Saco$249
Brunswick$245
Biddeford$241
Bangor$238

How non-owner insurance rates in Maine compare to rates in other states

The rates for non-owner car insurance will differ between states too. The average non-owner insurance rate in Maine is $235, which is lower than the national average of $380. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 a year and then Iowa at $193 per year.

Non-owner auto insurance rates in the 10 most populous states

StateAverage annual premium
North Carolina$926
Florida$759
New York$578
Michigan$574
Texas$408
Illinois$385
National Average$380
Georgia$373
Pennsylvania$337
California$323
Ohio$230

How to get non-owner car insurance in Maine

Getting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card.

To purchase a policy, follow these steps:

  1. Contact an auto insurance agent about the coverage
  2. Supply your basic driving history
  3. Review the information you receive on the insurers and rates
  4. Choose the policy that best meets your needs
  5. Put down a payment to begin coverage

Often, you’ll receive proof of insurance very quickly.

For a non-owner auto insurance policy, you’ll have to call an insurance company rather than go online for a quote.

“The best way to find any insurance is to shop around and price match,” says Marlon Moss, a licensed agent at A Plus Insurance.

Here are a few insurance companies with contact numbers to call for a non-owner insurance quote.

  • State Farm: 800-782-8332
  • Geico: 800-207-7847
  • Progressive: 888-671-4405
  • Allstate: 800-726-6033.
  • USAA: 800-531-8722

Methodology

Insure.com commissioned Quadrant Information Services in 2023 to compile non-owner car insurance rates for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.