Non-owner auto insurance in Maine: Which company has the cheapest rates?

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Non-owner auto insurance in Maine costs $235 a year, which is $118 lower than the average nationally, according to a 2023 rate analysis from Insure.com.

In Maine, non-owner policies are available from companies such as Frankenmuth Insurance, Travelers and Progressive.

“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.

Learn more about the various requirements, 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?

Insurance companies consider non-owner policyholders as less of a risk due to their minimal access to a vehicle, and therefore, it’s usually cheaper to buy a non-owner insurance policy than full coverage auto insurance.

On average in the United States, it costs a driver with a clean driving record and good credit score $1,682 a year for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage. In Maine, full coverage car insurance costs $1,122.

On the other hand, non-owner car insurance is $353 a year on average in the U.S. and $235 in Maine.

But various factors affect individual rates, such as where in Maine you live, your age and driving history and other factors.

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

Geico offers Maine’s least expensive non-owner insurance policy at $76 a year.

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

To find the best price, compare quotes from different insurance companies. Below is a list of the cheapest non-owner insurance available in the state.

Cheapest non-owner insurance rates in Maine

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 an important factor 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, while it’s $232 for a 45-year-old driver.

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

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.

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

Rates differ from city to city. Insurers set rates based on data points such as theft, collisions and vandalism in different U.S. cities.

The tables below display the cities in Maine that have the least and most expensive non-owner auto insurance rates.

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

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

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

The largest cities in Maine have varying non-owner insurance rates. The cost of non-owner insurance in Lewiston is the most expensive at $286; Bangor has the least expensive rates of the largest cities in the state at $238.

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

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

Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Maine is $235 a year, which is lower than the national average of $353. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 per year and Iowa at $193 per year.

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

How to get non-ownercar insurance in Maine

Your driver’s license number and a credit or debit card are all you’ll need to get a non-owner insurance policy.

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 car insurance policy quote, you must call your insurer instead of visiting its website.

“The most efficient way to go about finding the most affordable non-owner insurance is to work with an insurance broker, who is able to shop multiple insurance companies to find the best price,” says Lauren McKenzie, an insurance agent with A Plus Insurance.

Here are some insurers with their phone 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 in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.

Explore other insurance options in Maine

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Average renters insurance cost in Maine

Average homeowners insurance cost in Maine

Leslie Kasperowicz

Managing Editor

 

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com.