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We’ve reviewed the best car insurance providers in the nation, and today we’re taking an in-depth look at car insurance in Maine. Let’s discuss minimum car insurance requirements, top providers, and the cost of car insurance in the Pine Tree State. But remember, the best way to know what your rates will be in Maine is to compare quotes from several auto insurance companies.

Use the tool below to collect and compare car insurance quotes from providers available in your state. 

 
 

In this article:

 

 

Cheapest Car Insurance Companies In Maine

According to our cost estimates, Auto Owners, USAA, State Farm are a few of the cheapest full-coverage providers for Maine.

Car Insurance Provider Average Annual Cost Estimate
Auto Owners $535
USAA $662
State Farm $786
Travelers $924
Progressive $976

How Much Does Car Insurance In Maine Cost?

Maine auto insurance is known for being one of the least expensive in the nation. In fact, the only state with cheaper car insurance than Maine is North Dakota.

According to the NAIC, the cost of Maine car insurance was $782 in 2018, while the national average was $1,056.

Here’s a breakdown of Maine's average coverage costs that year:

Type Of Coverage Average Annual Expenditure
Liability coverage $374
Collision coverage $295
Comprehensive coverage $113
Total Cost $782

*Most drivers carry liability coverage but not necessarily other types of auto insurance. Total average annual expenditure measures what Maine drivers actually spent on auto insurance in 2018.

Your own rate for car insurance in Maine could be higher or lower depending on a variety of factors:

  • Age, gender, and marital status
  • Vehicle year, make, and model
  • Annual mileage
  • Location
  • Driving history
  • Credit score
     

Annual Maine Car Insurance Estimates By Age

A 24-year-old in Maine can pay up to $430 more for car insurance than a 35-year-old.

Age Maine Annual Car Insurance
24 $1443
35 $1013
 

Annual Maine Car Insurance Estimates By Gender

Gender does not affect car insurance estimates by much in Maine, according to our rate estimates. 

Gender Maine Annual Car Insurance
Female $1001
Male $1025
 

Annual Maine Car Insurance Estimates For Drivers With Bad Credit

Drivers with poor credit can pay up to 45 percent more for car insurance than drivers with good credit.

Credit Rating Maine Annual Car Insurance
Good $1013
Fair $1329
Poor $2227
 

Annual Maine Car Insurance Estimates For Bad Drivers

High-risk drivers in Maine can expect their car insurance costs to skyrocket tremendously.

Driving Record Maine Annual Car Insurance
Clean $1013
Speeding Ticket $1353
At-Fault Accident $1499
DUI $1686

 


 

Best Maine Car Insurance Providers

Finding the best car insurance in Maine requires looking at several factors. Sure, we all want to save money, but the cost can’t be the only factor. After all, you can go with the cheapest car insurance in Maine, but will your claims be paid promptly?

Here is our breakdown of the top car insurance providers in Maine. 

Best Maine Car Insurance Motor1 Rating Average Cost

1. Geico Auto Insurance

4.5

N/A

2. Progressive Car Insurance

4.5 $976

3. USAA Car Insurance

5.0 $662

4. State Farm Auto Insurance

4.5

$786

5. Liberty Mutual Auto Insurance

4.0

N/A
 

*Not all companies were included in our rate estimates for each state. You may also notice that some car insurance companies are listed above those with higher star ratings. This is because our ratings take into account nationwide factors, while our ranking looks specifically at what insurance providers are best for car insurance in Maine. 

 


 

Geico Insurance logo

#1 Geico Auto Insurance: Our First Choice For Maine Car Insurance

We named Geico auto insurance the best car insurance company in the nation, and we think it’s your best choice if you live in Maine, too. Geico has great coverage, affordable car insurance rates, and positive reviews from industry experts like the Better Business Bureau (BBB) and AM Best. The second-largest car insurance company in the country, Geico wrote over $34 billion in premiums in 2019 according to the National Association of Insurance Commissioners (NAIC).

Along with standard coverage that will satisfy Maine auto insurance requirements, you can get roadside assistance, rental car reimbursement, mechanical breakdown insurance, and more with Geico. Like we mentioned above, Geico also has great discounts for Maine car insurance policies, including a good student discount, multi-policy discount, and military discount. The company also offers a discount of up to 26 percent for good drivers who are accident-free for five years.

Pros Cons
Superior financial strength rating and A+ rating from the BBB Average quotes experience
Many choices for coverage Usage-based app not available in all states
High level of customer satisfaction  
Available in 50 states  

To learn more about the car insurance provider, check out our review of Geico auto insurance.

 


 

Progressive Insurance logo

#2 Progressive Car Insurance: First Runner-Up

Another household name, Progressive car insurance wrote over $31 billion in premiums in 2019 according to the NAIC. We like this company for car insurance in Maine for a number of reasons, but we’ll start with reasonable premiums and a wide variety of coverage. In addition to standard coverage, you can get:

  • Roadside assistance
  • Rental car reimbursement
  • Loan/lease payoff
  • Custom parts and equipment coverage
  • And more

Progressive has great technology, including the usage-based Snapshot program that allows you to pay for auto insurance in Maine based on how you drive and how much you drive. There’s also the Name Your Price tool that makes finding a plan to fit your budget simple.

Pros Cons
One of the top auto insurers in the United States Average claims process
Superior financial strength rating and A- rating from the BBB Mixed customer service reviews
Great choice for high-risk drivers Higher rates than some competitors
Easy quotes process  

To learn more about the car insurance provider, check out our review of Progressive car insurance.

 


 

USAA Insurance logo

#3 USAA Car Insurance: Best For Military Personnel In Maine

If you’re in the military or a veteran, USAA car insurance is the way to go for auto insurance in Maine. USAA insurance is available exclusively to military, veterans, and their family members, and it offers some of the cheapest rates on the market. Along with great ratings from the BBB and AM Best, USAA consistently tops industry studies like J.D. Power’s 2020 U.S. Insurance Shopping Study and Auto Claims Satisfaction Study.

Similarly to Geico and Progressive, you can get things like roadside assistance and rental reimbursement with USAA. But there are other choices for coverage too, like accident forgiveness, glass coverage, gap insurance, and car replacement assistance. Ways to save on Maine car insurance include a safe driver discount, multi-vehicle discount, and up to 15 percent off when you keep your vehicle on base.

Pros Cons
Affordable rates and numerous discounts Only available for military and their families
Good option for military members  
Superior financial strength rating and A- rating from the BBB  

To learn more about the car insurance provider, check out our USAA insurance review.

 


 

State Farm Insurance logo

#4 State Farm Auto Insurance: Best For Maine Student Drivers

Another top provider for Maine auto insurance, State Farm auto insurance excels in insuring students with a wide variety of discounts including the Steer Clear program, which encourages safe driving for drivers under 25 years old. There’s also the standout Drive Safe & Save program that monitors your driving habits via an app to help you save on car insurance.

If you’re looking for high liability coverage limits, State Farm has you protected with coverage up to 500/500/500, which is more than enough to meet Maine car insurance requirements and take care of most expenses in the event of an accident. A few extras from State Farm include rental and travel expense coverage, rideshare coverage, and roadside assistance. The Drive Safe & Save discount with State Farm uses data acquired from an app on your phone about your driving habits to determine savings.

Pros Cons
Comprehensive coverage offerings in 48 states Reported errors with autopay
Extensive selection of discounts for teens and students Not taking new customers in Massachusetts or Rhode Island
Largest auto insurer in the country Higher rates than some competitors
Easy online quotes process and positive customer reviews  
Superior financial strength rating and A+ rating from the BBB  

To learn more about the car insurance provider, check out our review of State Farm auto insurance.

 


 

Liberty Mutual Insurance logo

#5 Liberty Mutual Auto Insurance: Best For Maine Teens

Liberty Mutual auto insurance is a great choice for teens and military personnel in Maine because of the discounts available to these groups. Plus, the company has good reviews by auto insurance industry experts like the BBB and AM Best.

Liberty Mutual partners with over 14,000 employers, alumni associations, and professional associations to give you discounts. Some ways to save on Maine car insurance with Liberty Mutual Insurance include a multi-car discount and having a vehicle with safety features like anti-theft systems and air bags. You can also qualify for discounts depending on your alumni and professional connections.

Pros Cons
Many choices for coverage Low J.D. Power scores
Numerous discounts, especially for young drivers High premiums in some states
Excellent financial strength rating and A+ rating from the BBB Average customer satisfaction

To learn more about the car insurance provider, check out our review of Liberty Mutual auto insurance.

As always, we recommend comparing auto insurance quotes from several providers to find the best Maine car insurance. You can use the tool below to collect and compare car insurance rates from providers available in your state:

 
 

 

Minimum Requirements For Car Insurance: Maine

Each state sets its own auto insurance requirements, and Maine ties with Alaska for the nation’s highest with minimum liability insurance limits of 50/100/25. These numbers mean:

  • $50,000 in bodily injury protection per person
  • $100,000 in bodily injury protection per accident
  • $25,000 in property damage protection

Motorists in Maine must also carry protection against underinsured or uninsured drivers in the amounts of $50,000 per person and $100,000 per car accident, plus $2,000 per person for medical payments coverage (MedPay). If you have a lease or loan on your vehicle, you might also be required to carry comprehensive or collision insurance.

Although Maine has the highest basic requirements, even the best Maine car insurance is relatively cheap. According to the Insurance Information Institute (III), Maine was the fifth least expensive state for car insurance in 2016.

 

 


 

What To Know About Driving In Maine

With more than 46,000 lane miles, drivers in Maine travel about 15,000 miles per year according to the Federal Highway Administration.

The Bureau of Highway Safety and the Maine Department of Transportation tell us that there are approximately 30,000 crashes on Maine roads each year, with about 150 fatalities. Lane departures are the greatest cause of crashes, followed by intersections and winter weather. Drivers over age 65 and under age 18 cause more accidents than other age groups.

In some parts of Maine, crashes caused by collisions with deer and moose are higher than in other parts of the country. About 66 percent of collisions with deer and 77 percent of collisions with moose happen at night.

 


 

Our Verdict On Maine Car Insurance

From historic lighthouses to finding the best lobster roll, there is no shortage of destinations in the state affectionately nicknamed Vacationland. No matter where you’re headed in Maine, you’ll need a car with top-notch insurance to get everywhere you want to go.

Depending on several factors, your car insurance quotes can differ from your neighbors. We recommend comparing quotes and consider what discounts apply to your situation.

To get started, simply enter your zip code in the tool below to compare personalized car insurance quotes from multiple best-rated providers.

 

 

Frequently Asked Questions About Car Insurance In Maine

How do I get cheap car insurance in Maine?

It’s important to compare auto insurance quotes from multiple companies to get the most affordable rates in Maine. You should also ask providers about discount opportunities, such as good driver discounts, multi-vehicle discounts, and student discounts. Additionally, consider taking measures to raise your credit score and improve your driving record.

Why is car insurance cheaper in Maine?

Maine has a high population of insured drivers and, thus, a low population of uninsured drivers. There’s also a low rate of auto theft. With that kind of low-risk lifestyle, insurance companies offer more affordable premiums for Maine car insurance.

Who has the cheapest car insurance in Maine?

Our research found that the cheapest car insurance in Maine is typically offered by USAA and Geico. These companies have reasonable rates and a variety of discounts. However, the cost of car insurance depends on many factors such as your exact location, age, gender, driving history, the type of vehicle you drive, and your credit score.

 


 

Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

 

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