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Cheapest Car Insurance in Maine (2025)
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Content was accurate at the time of publication.
Best cheap car insurance in Maine
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Find the Cheapest Car Insurance Quotes in Maine
Best cheap full-coverage car insurance in Maine: Travelers
At $938 a year, or $78 a month, Travelers has the cheapest full-coverage car insurance for most Maine drivers. MMG is the second-cheapest company for full-coverage policies at $91 a month.
Along with low full-coverage Full-coverage car insurance combines collision, comprehensive and liability auto insurance. Full coverage takes care of your own injuries and property damage after an accident. rates, Travelers offers gap insurance. Gap insurance is great if you have a new, financed vehicle, as it can protect you if your car is totaled.
Cheapest companies for full coverage
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Travelers | $938 |  |
| MMG | MMG | $1,096 |  |
 | Concord | $1,109 | |
 | State Farm | $1,161 | |
 | Geico | $1,263 |  |
 | Progressive | $1,296 | |
 | Allstate | $1,711 |  |
 | Farmers | $1,851 | |
 | USAA* | $760 | |
While USAA has the overall cheapest full-coverage rate in Maine, it only sells car insurance for military members and their families.
Maine’s cheapest liability-only insurance: MMG
MMG offers the cheapest liability car insurance in Maine at $407 a year, or $34 a month. Travelers is next at $38 a month, though it offers several discounts that could make it the cheapest for you.
Maine requires drivers to carry at least a minimum amount of liability car insurance, which covers the medical and repair bills of others if you cause an accident.
Cheapest companies for minimum coverage
| Company | Annual rate |
|---|---|
| MMG | $407 |
| Travelers | $453 |
| State Farm | $488 |
| Geico | $538 |
| Concord | $547 |
| Farmers | $583 |
| Progressive | $771 |
| Allstate | $812 |
| USAA* | $285 |
Find the Cheapest Car Insurance Quotes in Maine
Best Maine auto insurance for young drivers: Travelers and Concord
Teen drivers in Maine get the cheapest liability car insurance with Travelers at $1,179 a year. Concord has Maine’s cheapest full-coverage insurance for teens at $2,276 a year.
Parents looking for cheap car insurance for teens should add them to their current policy. While your rates will go up, it should still be cheaper than if you had separate car insurance policies.
Cheapest companies for teens
| Company | Liability only | Full coverage |
|---|---|---|
| Travelers | $1,179 | $2,514 |
| Concord | $1,241 | $2,276 |
| MMG | $1,471 | $3,545 |
| State Farm | $1,605 | $3,561 |
| Geico | $1,910 | $4,266 |
| Allstate | $2,004 | $4,637 |
| Farmers | $2,124 | $6,737 |
| Progressive | $3,454 | $6,840 |
| USAA* | $751 | $1,930 |
Cheap Maine car insurance rates after a ticket: Travelers
Maine drivers looking for cheap car insurance with a speeding ticket can get it from Travelers, which charges $1,235 a year, or $103 a month. State Farm is the second-cheapest company at $104 a month.
Both State Farm and Travelers offer a wide range of discounts that could lower your rate and make it your cheapest option.
A speeding ticket or similar violation stays on your record for one year in Maine. You should expect to pay around 28% more for car insurance during this time.
Cheapest companies after a ticket
| Company | Annual rate |
|---|---|
| Travelers | $1,235 |
| State Farm | $1,251 |
| Concord | $1,277 |
| Geico | $1,329 |
| MMG | $1,444 |
| Progressive | $1,737 |
| Allstate | $1,911 |
| Farmers | $3,223 |
| USAA* | $858 |
Cheapest Maine car insurance quotes after an accident: State Farm
State Farm has the cheapest full-coverage car insurance after an accident in Maine at $1,161 a year, or $97 a month. MMG is next at around $112 a month.
Car insurance rates go up by around 56% after an at-fault accident in Maine.
Cheapest companies after an accident
| Company | Annual rate |
|---|---|
| State Farm | $1,161 |
| MMG | $1,346 |
| Travelers | $1,384 |
| Concord | $1,745 |
| Progressive | $2,116 |
| Geico | $2,281 |
| Allstate | $2,460 |
| Farmers | $3,759 |
| USAA* | $1,142 |
Cheap insurance in Maine for bad teen drivers: Concord and State Farm
Teens in Maine with a ticket on their record get the cheapest car insurance from Concord at $1,429 a year. State Farm has the cheapest rate for teens after an accident at $1,605 a year.
Cheapest companies for teens with bad records
| Company | Ticket | Accident |
|---|---|---|
| Concord | $1,429 | $1,984 |
| Travelers | $1,507 | $1,774 |
| State Farm | $1,753 | $1,605 |
| MMG | $1,852 | $1,903 |
| Geico | $2,118 | $2,887 |
| Allstate | $2,271 | $3,124 |
| Farmers | $2,912 | $3,565 |
| Progressive | $3,726 | $3,972 |
| USAA* | $1,115 | $1,613 |
Find the Cheapest Car Insurance Quotes in Maine
Best car insurance quotes after an OUI in Maine: Travelers
Travelers offers the best cheap car insurance with an OUI in Maine at $1,423 a year, or $119 a month. Progressive is the next-cheapest option at $128 a month.
An operating under the influence (OUI) conviction usually leads to fines, jail time and license suspension. You can also expect your car insurance rates to jump about 91% after a DUI in Maine.
Cheapest companies after a OUI
| Company | Annual rate |
|---|---|
| Travelers | $1,423 |
| Progressive | $1,534 |
| MMG | $1,840 |
| Concord | $1,865 |
| Allstate | $2,348 |
| State Farm | $2,847 |
| Geico | $3,824 |
| Farmers | $4,100 |
| USAA* | $1,527 |
Cheapest car insurance for bad credit in Maine: Travelers
At $1,530 a year, or $128 a month, Travelers has the cheapest car insurance rate for Maine drivers with poor credit. MMG has the second-cheapest rate of $146 a month.
Car insurance companies may charge higher rates to drivers with poor credit because they see a link between credit score and the risk of filing a claim.
Cheapest companies for drivers with poor credit
| Company | Annual rate |
|---|---|
| Travelers | $1,530 |
| MMG | $1,754 |
| Geico | $1,904 |
| Concord | $1,928 |
| Progressive | $2,268 |
| Allstate | $2,580 |
| State Farm | $4,891 |
| Farmers | $5,716 |
| USAA* | $1,246 |
To learn your credit score, you can find out for free at LendingTree Spring before you shop for insurance.
Best car insurance companies in Maine
Travelers and State Farm are the best car insurance companies in Maine, mostly because of their low rates. Both also offer more discounts than most companies, which can make your payment even cheaper.
State Farm has a much better customer satisfaction rating than Travelers. In fact, State Farm earned the highest J.D. Power score of the companies we surveyed in Maine. However, Travelers offers gap insurance while State Farm does not.
Maine car insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Concord | Not rated | A+ | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| MMG | Not rated | A | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| Travelers | 616 | A++ | |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
USAA is rated but not ranked in the J.D. Power 2024 U.S. Auto Insurance Study due to its limited policyholder base.
Maine insurance rates by city
Chebeague Island and Presque Isle share the cheapest average car insurance rate in Maine at $1,178 a year. Center Lovell has the state’s highest average car insurance rate at $1,377 a year.
Car insurance rates near you
| City | Annual rate | % from average |
|---|---|---|
| Abbot | $1,240 | -3% |
| Acton | $1,339 | 5% |
| Addison | $1,311 | 2% |
| Albion | $1,303 | 2% |
| Alfred | $1,278 | 0% |
| Alna | $1,314 | 3% |
| Andover | $1,299 | 1% |
| Anson | $1,319 | 3% |
| Ashland | $1,198 | -6% |
| Athens | $1,318 | 3% |
| Auburn | $1,324 | 3% |
| Augusta | $1,288 | 1% |
| Aurora | $1,302 | 2% |
| Bailey Island | $1,221 | -5% |
| Bangor | $1,259 | -2% |
| Bar Harbor | $1,287 | 1% |
| Bar Mills | $1,304 | 2% |
| Bass Harbor | $1,295 | 1% |
| Bath | $1,241 | -3% |
| Beals | $1,303 | 2% |
| Belfast | $1,266 | -1% |
| Belgrade | $1,343 | 5% |
| Belgrade Lakes | $1,341 | 5% |
| Benedicta | $1,214 | -5% |
| Bernard | $1,304 | 2% |
| Berwick | $1,292 | 1% |
| Bethel | $1,291 | 1% |
| Biddeford | $1,232 | -4% |
| Biddeford Pool | $1,260 | -2% |
| Bingham | $1,279 | 0% |
| Birch Harbor | $1,309 | 2% |
| Blaine | $1,205 | -6% |
| Blue Hill | $1,347 | 5% |
| Boothbay | $1,295 | 1% |
| Boothbay Harbor | $1,302 | 2% |
| Bowdoin | $1,259 | -2% |
| Bowdoinham | $1,246 | -3% |
| Bradford | $1,258 | -2% |
| Bradley | $1,237 | -3% |
| Bremen | $1,336 | 4% |
| Brewer | $1,265 | -1% |
| Bridgewater | $1,179 | -8% |
| Bridgton | $1,325 | 3% |
| Bristol | $1,329 | 4% |
| Brooklin | $1,327 | 4% |
| Brooks | $1,276 | 0% |
| Brooksville | $1,328 | 4% |
| Brookton | $1,296 | 1% |
| Brownfield | $1,335 | 4% |
| Brownville | $1,223 | -5% |
| Brownville Junction | $1,275 | 0% |
| Brunswick | $1,196 | -7% |
| Brunswick Station | $1,193 | -7% |
| Bryant Pond | $1,304 | 2% |
| Buckfield | $1,331 | 4% |
| Bucksport | $1,324 | 3% |
| Burlington | $1,231 | -4% |
| Burnham | $1,275 | 0% |
| Bustins Island | $1,222 | -5% |
| Buxton | $1,270 | -1% |
| Calais | $1,283 | 0% |
| Cambridge | $1,278 | 0% |
| Camden | $1,242 | -3% |
| Canaan | $1,285 | 0% |
| Canton | $1,330 | 4% |
| Cape Elizabeth | $1,210 | -6% |
| Cape Neddick | $1,256 | -2% |
| Cape Porpoise | $1,281 | 0% |
| Caratunk | $1,282 | 0% |
| Caribou | $1,203 | -6% |
| Carmel | $1,279 | 0% |
| Casco | $1,312 | 2% |
| Castine | $1,329 | 4% |
| Center Lovell | $1,377 | 8% |
| Chamberlain | $1,317 | 3% |
| Charleston | $1,260 | -2% |
| Chebeague Island | $1,178 | -8% |
| Cherryfield | $1,325 | 3% |
| China Village | $1,322 | 3% |
| Chisholm | $1,308 | 2% |
| Clayton Lake | $1,200 | -6% |
| Cliff Island | $1,218 | -5% |
| Clinton | $1,292 | 1% |
| Columbia Falls | $1,313 | 3% |
| Coopers Mills | $1,328 | 4% |
| Corea | $1,317 | 3% |
| Corinna | $1,261 | -2% |
| Corinth | $1,286 | 0% |
| Cornish | $1,319 | 3% |
| Cousins Island | $1,189 | -7% |
| Cranberry Isles | $1,300 | 2% |
| Crouseville | $1,232 | -4% |
| Cumberland Center | $1,202 | -6% |
| Cumberland Foreside | $1,203 | -6% |
| Cushing | $1,277 | 0% |
| Cutler | $1,333 | 4% |
| Damariscotta | $1,340 | 5% |
| Danforth | $1,287 | 0% |
| Danville | $1,300 | 2% |
| Deer Isle | $1,317 | 3% |
| Denmark | $1,349 | 5% |
| Dennysville | $1,328 | 4% |
| Detroit | $1,288 | 1% |
| Dexter | $1,253 | -2% |
| Dixfield | $1,318 | 3% |
| Dixmont | $1,301 | 2% |
| Dover-Foxcroft | $1,241 | -3% |
| Dresden | $1,310 | 2% |
| Dryden | $1,311 | 2% |
| Durham | $1,281 | 0% |
| Eagle Lake | $1,229 | -4% |
| East Andover | $1,307 | 2% |
| East Baldwin | $1,329 | 4% |
| East Blue Hill | $1,333 | 4% |
| East Boothbay | $1,298 | 1% |
| East Dixfield | $1,327 | 4% |
| East Livermore | $1,324 | 3% |
| East Machias | $1,328 | 4% |
| East Millinocket | $1,194 | -7% |
| East Newport | $1,313 | 3% |
| East Orland | $1,285 | 0% |
| East Parsonsfield | $1,352 | 6% |
| East Poland | $1,357 | 6% |
| East Vassalboro | $1,324 | 3% |
| East Waterboro | $1,294 | 1% |
| East Wilton | $1,327 | 4% |
| East Winthrop | $1,338 | 4% |
| Easton | $1,181 | -8% |
| Eastport | $1,306 | 2% |
| Eddington | $1,266 | -1% |
| Edgecomb | $1,304 | 2% |
| Eliot | $1,261 | -2% |
| Ellsworth | $1,312 | 2% |
| Estcourt Station | $1,257 | -2% |
| Etna | $1,274 | -1% |
| Eustis | $1,287 | 1% |
| Exeter | $1,284 | 0% |
| Fairfield | $1,270 | -1% |
| Falmouth | $1,220 | -5% |
| Falmouth Foreside | $1,207 | -6% |
| Farmingdale | $1,276 | 0% |
| Farmington | $1,300 | 1% |
| Farmington Falls | $1,300 | 1% |
| Fort Fairfield | $1,196 | -7% |
| Fort Kent | $1,208 | -6% |
| Fort Kent Mills | $1,243 | -3% |
| Frankfort | $1,296 | 1% |
| Franklin | $1,331 | 4% |
| Freedom | $1,314 | 3% |
| Freeport | $1,229 | -4% |
| Frenchboro | $1,276 | 0% |
| Frenchville | $1,215 | -5% |
| Friendship | $1,291 | 1% |
| Fryeburg | $1,336 | 4% |
| Gardiner | $1,293 | 1% |
| Garland | $1,259 | -2% |
| Georgetown | $1,240 | -3% |
| Gorham | $1,237 | -3% |
| Gouldsboro | $1,317 | 3% |
| Grand Isle | $1,217 | -5% |
| Grand Lake Stream | $1,324 | 3% |
| Gray | $1,230 | -4% |
| Greenbush | $1,248 | -3% |
| Greene | $1,350 | 5% |
| Greenville | $1,224 | -4% |
| Greenville Junction | $1,235 | -4% |
| Greenwood | $1,312 | 2% |
| Guilford | $1,244 | -3% |
| Hallowell | $1,286 | 0% |
| Hampden | $1,267 | -1% |
| Hancock | $1,321 | 3% |
| Hanover | $1,306 | 2% |
| Harborside | $1,311 | 2% |
| Harmony | $1,287 | 1% |
| Harpswell | $1,203 | -6% |
| Harrington | $1,311 | 2% |
| Harrison | $1,297 | 1% |
| Hartland | $1,294 | 1% |
| Hebron | $1,323 | 3% |
| Hinckley | $1,318 | 3% |
| Hiram | $1,353 | 6% |
| Holden | $1,276 | 0% |
| Hollis Center | $1,278 | 0% |
| Hope | $1,242 | -3% |
| Houlton | $1,199 | -6% |
| Howland | $1,204 | -6% |
| Hudson | $1,278 | 0% |
| Hulls Cove | $1,326 | 4% |
| Island Falls | $1,214 | -5% |
| Isle Au Haut | $1,262 | -1% |
| Isle of Springs | $1,322 | 3% |
| Islesboro | $1,254 | -2% |
| Islesford | $1,301 | 2% |
| Jackman | $1,244 | -3% |
| Jay | $1,306 | 2% |
| Jefferson | $1,336 | 4% |
| Jonesboro | $1,319 | 3% |
| Jonesport | $1,313 | 3% |
| Kenduskeag | $1,267 | -1% |
| Kennebunk | $1,223 | -5% |
| Kennebunkport | $1,251 | -2% |
| Kents Hill | $1,314 | 3% |
| Kingfield | $1,293 | 1% |
| Kingman | $1,243 | -3% |
| Kittery | $1,254 | -2% |
| Kittery Point | $1,255 | -2% |
| Lagrange | $1,241 | -3% |
| Lake Arrowhead | $1,294 | 1% |
| Lambert Lake | $1,322 | 3% |
| Lebanon | $1,306 | 2% |
| Lee | $1,214 | -5% |
| Leeds | $1,324 | 3% |
| Levant | $1,271 | -1% |
| Lewiston | $1,341 | 5% |
| Liberty | $1,294 | 1% |
| Limerick | $1,320 | 3% |
| Limestone | $1,207 | -6% |
| Limington | $1,297 | 1% |
| Lincoln | $1,188 | -7% |
| Lincolnville | $1,256 | -2% |
| Lincolnville Center | $1,291 | 1% |
| Lisbon | $1,292 | 1% |
| Lisbon Falls | $1,284 | 0% |
| Litchfield | $1,335 | 4% |
| Little Deer Isle | $1,309 | 2% |
| Little Falls | $1,235 | -4% |
| Livermore | $1,325 | 3% |
| Livermore Falls | $1,327 | 4% |
| Long Island | $1,213 | -5% |
| Lovell | $1,325 | 3% |
| Lubec | $1,329 | 4% |
| Machias | $1,319 | 3% |
| Machiasport | $1,327 | 4% |
| Madawaska | $1,214 | -5% |
| Madison | $1,303 | 2% |
| Manchester | $1,312 | 2% |
| Mapleton | $1,202 | -6% |
| Mars Hill | $1,183 | -8% |
| Matinicus | $1,295 | 1% |
| Mattawamkeag | $1,202 | -6% |
| Mechanic Falls | $1,305 | 2% |
| Meddybemps | $1,315 | 3% |
| Medway | $1,193 | -7% |
| Mexico | $1,286 | 0% |
| Milbridge | $1,313 | 3% |
| Milford | $1,238 | -3% |
| Millinocket | $1,195 | -7% |
| Milo | $1,251 | -2% |
| Minot | $1,342 | 5% |
| Monhegan | $1,336 | 4% |
| Monmouth | $1,336 | 4% |
| Monroe | $1,292 | 1% |
| Monson | $1,232 | -4% |
| Monticello | $1,191 | -7% |
| Moody | $1,269 | -1% |
| Morrill | $1,267 | -1% |
| Mount Desert | $1,299 | 1% |
| Mount Vernon | $1,334 | 4% |
| Naples | $1,316 | 3% |
| New Gloucester | $1,295 | 1% |
| New Harbor | $1,305 | 2% |
| New Limerick | $1,234 | -4% |
| New Portland | $1,307 | 2% |
| New Sharon | $1,294 | 1% |
| New Sweden | $1,202 | -6% |
| New Vineyard | $1,310 | 2% |
| Newcastle | $1,333 | 4% |
| Newport | $1,267 | -1% |
| Newry | $1,279 | 0% |
| Nobleboro | $1,349 | 5% |
| Norridgewock | $1,298 | 1% |
| North Anson | $1,303 | 2% |
| North Berwick | $1,264 | -1% |
| North Bridgton | $1,305 | 2% |
| North Haven | $1,229 | -4% |
| North Jay | $1,328 | 4% |
| North Monmouth | $1,314 | 3% |
| North Turner | $1,367 | 7% |
| North Vassalboro | $1,317 | 3% |
| North Waterboro | $1,285 | 0% |
| North Waterford | $1,314 | 3% |
| North Windham | $1,255 | -2% |
| North Yarmouth | $1,220 | -5% |
| Northeast Harbor | $1,292 | 1% |
| Norway | $1,291 | 1% |
| Oakfield | $1,204 | -6% |
| Oakland | $1,294 | 1% |
| Ocean Park | $1,264 | -1% |
| Ogunquit | $1,241 | -3% |
| Old Orchard Beach | $1,233 | -4% |
| Old Town | $1,244 | -3% |
| Oquossoc | $1,296 | 1% |
| Orient | $1,216 | -5% |
| Orland | $1,331 | 4% |
| Orono | $1,268 | -1% |
| Orrington | $1,240 | -3% |
| Orrs Island | $1,204 | -6% |
| Owls Head | $1,249 | -3% |
| Oxbow | $1,211 | -5% |
| Oxford | $1,310 | 2% |
| Palermo | $1,274 | -1% |
| Palmyra | $1,296 | 1% |
| Parsonsfield | $1,337 | 4% |
| Passadumkeag | $1,253 | -2% |
| Patten | $1,190 | -7% |
| Peaks Island | $1,227 | -4% |
| Pemaquid | $1,314 | 3% |
| Pembroke | $1,302 | 2% |
| Penobscot | $1,332 | 4% |
| Perham | $1,206 | -6% |
| Perry | $1,327 | 4% |
| Peru | $1,315 | 3% |
| Phillips | $1,305 | 2% |
| Phippsburg | $1,247 | -3% |
| Pittsfield | $1,274 | -1% |
| Plymouth | $1,266 | -1% |
| Poland | $1,322 | 3% |
| Port Clyde | $1,279 | 0% |
| Portage | $1,194 | -7% |
| Porter | $1,346 | 5% |
| Portland | $1,264 | -1% |
| Pownal | $1,263 | -1% |
| Presque Isle | $1,178 | -8% |
| Princeton | $1,285 | 0% |
| Prospect Harbor | $1,313 | 2% |
| Randolph | $1,284 | 0% |
| Rangeley | $1,277 | 0% |
| Raymond | $1,280 | 0% |
| Readfield | $1,318 | 3% |
| Richmond | $1,240 | -3% |
| Robbinston | $1,299 | 1% |
| Rockland | $1,228 | -4% |
| Rockport | $1,228 | -4% |
| Rockwood | $1,257 | -2% |
| Round Pond | $1,318 | 3% |
| Roxbury | $1,310 | 2% |
| Rumford | $1,291 | 1% |
| Sabattus | $1,297 | 1% |
| Saco | $1,237 | -3% |
| Salsbury Cove | $1,286 | 0% |
| Sandy Point | $1,321 | 3% |
| Sanford | $1,286 | 0% |
| Sangerville | $1,249 | -2% |
| Sargentville | $1,316 | 3% |
| Scarborough | $1,211 | -5% |
| Seal Cove | $1,301 | 2% |
| Seal Harbor | $1,299 | 1% |
| Searsmont | $1,296 | 1% |
| Searsport | $1,279 | 0% |
| Sebago | $1,315 | 3% |
| Sebasco Estates | $1,287 | 0% |
| Sebec | $1,233 | -4% |
| Sedgwick | $1,334 | 4% |
| Shapleigh | $1,326 | 4% |
| Shawmut | $1,320 | 3% |
| Sheridan | $1,234 | -4% |
| Sherman | $1,217 | -5% |
| Shirley Mills | $1,279 | 0% |
| Sinclair | $1,222 | -5% |
| Skowhegan | $1,303 | 2% |
| Smithfield | $1,311 | 2% |
| Smyrna Mills | $1,200 | -6% |
| Solon | $1,305 | 2% |
| Sorrento | $1,319 | 3% |
| South Berwick | $1,274 | -1% |
| South Bristol | $1,311 | 2% |
| South Casco | $1,288 | 1% |
| South China | $1,303 | 2% |
| South Eliot | $1,261 | -2% |
| South Freeport | $1,293 | 1% |
| South Gardiner | $1,331 | 4% |
| South Paris | $1,321 | 3% |
| South Portland | $1,227 | -4% |
| South Sanford | $1,277 | 0% |
| South Thomaston | $1,269 | -1% |
| South Windham | $1,258 | -2% |
| Southport | $1,301 | 2% |
| Southwest Harbor | $1,299 | 1% |
| Springfield | $1,219 | -5% |
| Springvale | $1,278 | 0% |
| Spruce Head | $1,269 | -1% |
| Squirrel Island | $1,333 | 4% |
| St. Agatha | $1,220 | -5% |
| St. Albans | $1,299 | 1% |
| St. David | $1,215 | -5% |
| St. Francis | $1,220 | -5% |
| Stacyville | $1,217 | -5% |
| Standish | $1,255 | -2% |
| Steep Falls | $1,279 | 0% |
| Stetson | $1,269 | -1% |
| Steuben | $1,328 | 4% |
| Stillwater | $1,293 | 1% |
| Stockholm | $1,211 | -5% |
| Stockton Springs | $1,293 | 1% |
| Stoneham | $1,330 | 4% |
| Stonington | $1,295 | 1% |
| Stratton | $1,273 | -1% |
| Strong | $1,322 | 3% |
| Sullivan | $1,305 | 2% |
| Sumner | $1,344 | 5% |
| Sunset | $1,281 | 0% |
| Surry | $1,329 | 4% |
| Swans Island | $1,287 | 1% |
| Temple | $1,295 | 1% |
| Tenants Harbor | $1,252 | -2% |
| Thomaston | $1,240 | -3% |
| Thorndike | $1,308 | 2% |
| Topsfield | $1,288 | 1% |
| Topsham | $1,222 | -5% |
| Trevett | $1,324 | 3% |
| Troy | $1,290 | 1% |
| Turner | $1,340 | 5% |
| Union | $1,272 | -1% |
| Unity | $1,297 | 1% |
| Van Buren | $1,229 | -4% |
| Vanceboro | $1,338 | 4% |
| Vassalboro | $1,311 | 2% |
| Vienna | $1,325 | 3% |
| Vinalhaven | $1,232 | -4% |
| Waite | $1,298 | 1% |
| Waldoboro | $1,357 | 6% |
| Wallagrass | $1,219 | -5% |
| Walpole | $1,289 | 1% |
| Warren | $1,291 | 1% |
| Washburn | $1,195 | -7% |
| Washington | $1,298 | 1% |
| Waterboro | $1,294 | 1% |
| Waterford | $1,293 | 1% |
| Waterville | $1,297 | 1% |
| Wayne | $1,318 | 3% |
| Weld | $1,288 | 1% |
| Wells | $1,222 | -5% |
| Wesley | $1,323 | 3% |
| West Baldwin | $1,344 | 5% |
| West Bethel | $1,347 | 5% |
| West Boothbay Harbor | $1,330 | 4% |
| West Enfield | $1,211 | -5% |
| West Farmington | $1,320 | 3% |
| West Forks | $1,269 | -1% |
| West Kennebunk | $1,228 | -4% |
| West Minot | $1,371 | 7% |
| West Newfield | $1,347 | 5% |
| West Paris | $1,334 | 4% |
| West Poland | $1,376 | 7% |
| West Rockport | $1,295 | 1% |
| Westbrook | $1,232 | -4% |
| Westfield | $1,199 | -6% |
| Whitefield | $1,287 | 1% |
| Whiting | $1,323 | 3% |
| Wilton | $1,302 | 2% |
| Windham | $1,256 | -2% |
| Windsor | $1,290 | 1% |
| Winn | $1,226 | -4% |
| Winslow | $1,287 | 0% |
| Winter Harbor | $1,302 | 2% |
| Winterport | $1,282 | 0% |
| Winthrop | $1,310 | 2% |
| Wiscasset | $1,306 | 2% |
| Woodland Washington County | $1,294 | 1% |
| Woolwich | $1,267 | -1% |
| Wytopitlock | $1,215 | -5% |
| Yarmouth | $1,191 | -7% |
| York | $1,252 | -2% |
| York Beach | $1,295 | 1% |
| York Harbor | $1,250 | -2% |
Car insurance laws in Maine
Maine drivers are required to have at least a minimum amount of car insurance. You need medical payments, liability and uninsured/underinsured motorist coverage in Maine.
Maine car insurance requirements
| Coverage type | Minimum amount needed |
|---|---|
| Liability (bodily injury) | $50,000 per person$100,000 per accident |
| Liability (property damage) | $25,000 per accident |
| Uninsured/underinsured motorist | $50,000 per person$100,000 per accident |
| Medical payments | $2,000 |
State law doesn’t require full-coverage car insurance in Maine. But if you financed your vehicle, your lender will probably require full coverage as part of the lending agreement.
SR-22 insurance in Maine
If your driver’s license is suspended in Maine, you are required to file an SR-22 to get it reinstated.
An SR-22 proves you carry the minimum amount of car insurance the state requires. Your insurance company should file the SR-22 with the Bureau of Motor Vehicles (BMV) for you.
Frequently asked questions
The average cost of full-coverage car insurance in Maine is $1,243 a year, or $104 a month. Liability-only car insurance costs $543 a year, or $45 a month, on average.
Maine is an at-fault car insurance state. This means the person responsible for the accident pays for resulting injuries and damage.