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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.

Key Takeaways

  • The average non-owner car insurance cost in Maine is $20 per month for a 40-year-old male with a good driving record.
  • Car insurance rates vary by age. For instance, a 16-year-old male in Maine pays an average of $849 for non-owner car insurance, whereas a 25-year-old male pays $245 a year for the same coverage.
  • Geico offers most affordable rates for non-owner car insurance in Maine at $76.

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.

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

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

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

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

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

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

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 auto 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 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

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

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

StateAverage annual premium
California$323
Florida$671
Georgia$373
Illinois$286
Michigan$574
New York$578
North Carolina$989
Ohio$198
Pennsylvania$216
Texas$408
National Average$353

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.

How much is car insurance in other states

Alaska$1,359/Year
Alabama$1,542/Year
Arkansas$1,597/Year
Arizona$1,617/Year
California$2,115/Year
Colorado$1,940/Year
Connecticut$1,750/Year
Delaware$2,137/Year
Florida$2,560/Year
Georgia$1,647/Year
Hawaii$1,306/Year
Iowa$1,321/Year
Idaho$1,121/Year
Illinois$1,578/Year
Indiana$1,256/Year
Kansas$1,594/Year
Kentucky$2,105/Year
Louisiana$2,546/Year
Massachusetts$1,538/Year
Maryland$1,640/Year
Michigan$2,133/Year
Minnesota$1,493/Year
Missouri$2,104/Year
Mississippi$1,606/Year
Montana$1,692/Year
North Carolina$1,368/Year
North Dakota$1,419/Year
Nebraska$2,018/Year
New Hampshire$1,307/Year
New Jersey$1,901/Year
New Mexico$1,505/Year
Nevada$2,023/Year
New York$2,020/Year
Ohio$1,023/Year
Oklahoma$1,797/Year
Oregon$1,244/Year
Pennsylvania$1,445/Year
Rhode Island$1,845/Year
South Carolina$1,894/Year
South Dakota$1,581/Year
Tennessee$1,373/Year
Texas$1,875/Year
Utah$1,469/Year
Virginia$1,321/Year
Vermont$1,158/Year
Washington$1,371/Year
Wisconsin$1,499/Year
West Virginia$1,610/Year
Wyoming$1,736/Year
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Leslie Kasperowicz
Managing Editor

 
  

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.