How to Compare Car Insurance Rates 2024
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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Cheap Car Insurance in Maine (2024)

Published on:
Content was accurate at the time of publication.

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Where to get cheap car insurance in Maine:

  • Auto-Owners offers Maine’s cheapest full-coverage car insurance rates.
  • State Farm has the state’s cheapest rates for liability car insurance.
  • MMG has the lowest car insurance rates for drivers with bad credit.

Find the Cheapest Car Insurance Quotes in Maine

Auto-Owners has the cheapest full-coverage car insurance rates in Maine, at an average of $847 a year.

State Farm also offers affordable rates to the state’s drivers, at $871 a year.

Cheapest companies for full-coverage car insurance

CompanyAverage annual rateLendingTree score
auto-owners logoAuto-Owners$847Not rated
state farm logoState Farm$871
4.5 stars
MMG$902Not rated
travelers logoTravelers$965
4.5 stars
geico logoGeico$1,263
3.5 stars
progressive logoProgressive$1,296
4 stars
Farmers logoFarmers$1,448
3 stars
allstate logoAllstate$1,6023 stars

Full-coverage car insurance usually combines liability car insurance with collision and comprehensive coverage types.

Collision coverage handles damages to your car after an accident. Comprehensive coverage pays for noncollision damages to your car, such as a tree branch breaking a windshield. It also covers auto theft and vandalism.

State law doesn’t require you to have full-coverage auto insurance. However, if you bought your car through a lender, it will probably require you to carry full coverage for the duration of your lending agreement.

State Farm has the cheapest rates for Maine drivers needing liability car insurance, at an average of $363 a year.

MMG has the next-lowest average rate, $375 a year.

Cheapest companies for liability car insurance

CompanyAverage annual rate
State Farm$363
MMG$375
Auto-Owners$462
Travelers$474
Farmers$485
Geico$538
Allstate$770
Progressive$771

Also called “minimum car insurance,” liability car insurance covers repairs, as well as legal fees and medical expenses of others, after an accident you cause. It’s different from full-coverage car insurance in that it only covers damages and injuries to others.

To find the cheapest rate for your needs, compare car insurance quotes from several companies side by side. Make sure to use the same coverage limits for each quote, so you can make the most accurate comparison.

Auto-Owners has the cheapest car insurance for teens looking for minimum coverage, at $1,026 a year.

State Farm is the next-cheapest for young drivers in Maine, at $1,188 a year.

Cheapest liability car insurance companies for teen drivers

CompanyAverage annual rate
Auto-Owners$1,026
State Farm$1,188
Travelers$1,259
MMG$1,357
Farmers$1,872
Geico$1,910
Allstate$1,921
Progressive$3,454

Because of their relative inexperience, teen drivers are considered to be high risk drivers, and as such pay the highest car insurance rates of any age group. To get cheaper car insurance for your teen, add them to your policy. You will pay a higher premium if you do this, but it should still be cheaper than having two separate policies if you have a clean driving record.

Find the Cheapest Car Insurance Quotes in Maine

State Farm has the cheapest full-coverage car insurance rates in Maine for drivers with a speeding ticket, at an average of $942 a year.

Auto-Owners’ average rate is nearly as cheap, at $975 a year.

Cheapest car insurance companies after a ticket

CompanyAverage annual rate
State Farm$942
Auto-Owners$975
MMG$1,184
Travelers$1,270
Geico$1,400
Progressive$1,737
Allstate$1,791
Farmers$2,273

A speeding ticket in Maine will usually stay on your driving record for fivea years. You can expect to pay higher car insurance rates during that time.

State Farm has the most affordable car insurance rates for Maine drivers with an accident on their driving record, at $1,024 a year.

MMG is the next-cheapest company, with rates averaging $1,111 a year.

Cheapest car insurance companies after an accident

CompanyAverage annual rate
State Farm$1,024
MMG$1,111
Auto-Owners$1,276
Travelers$1,410
Progressive$2,116
Geico$2,281
Allstate$2,313
Farmers$2,493

Auto-Owners has the cheapest car insurance rates in Maine for drivers with an OUI (operating under the influence) on their record, at an average of $1,423 a year. Travelers also offers cheap car insurance with a OUI, at $1,471 a year.

Cheapest car insurance companies after an OUI

CompanyAverage annual rate
Auto-Owners$1,423
Travelers$1,471
MMG$1,514
Progressive$1,534
Allstate$2,205
Farmers$3,470
Geico$3,824
State Farm$3,960

An OUI in Maine stays on your record forever and raises your car insurance rates for an unknown amount of time.

If your license is suspended due to an OUI, you’ll need to file an SR-22 with the Bureau of Motor Vehicles (BMV). Most states require you to carry an SR-22 for three to five years. If you stop filing your SR-22 before the time period ends, the BMV will be notified and your license will be suspended again.

MMG has the cheapest quotes for Maine drivers with a poor credit score, at an average of $1,453 a year. Auto-Owners is the next-cheapest option, with rates that average $1,465 a year.

Cheapest car insurance companies with poor credit

CompanyAverage annual rate
MMG$1,453
Auto-Owners$1,465
Travelers$1,579
Geico$1,904
Progressive$2,268
Allstate$2,421
Farmers$4,125
State Farm$4,229

Bad credit car insurance exists because insurers see a correlation between credit score and a higher risk of filing a claim. That said, some states have limited or prohibited its use in obtaining auto insurance.

Of the 25 largest cities in Maine, Brunswick has the cheapest average car insurance rate of $1,039 a year. Lewiston has the highest average rate of $1,139 a year.

Car insurance rates by city

CityAverage annual rate
Auburn$1,122
Augusta$1,103
Bangor$1,088
Bath$1,077
Biddeford$1,050
Brewer$1,087
Brunswick$1,039
Cape Elizabeth$1,056
Cumberland Center$1,040
Ellsworth$1,134
Falmouth$1,063
Gorham$1,067
Kennebunk$1,055
Kittery$1,092
Lewiston$1,139
Lisbon$1,120
Old Orchard Beach$1,054
Orono$1,104
Portland$1,105
Saco$1,058
Sanford$1,101
Scarborough$1,056
South Portland$1,065
Standish$1,078
Topsham$1,056
Waterville$1,131
Wells$1,050
Westbrook$1,062
Windham$1,091
York$1,092

Your ZIP code is one of the many factors that companies look at when calculating car insurance quotes. Other factors include:

  • Make and model of your car
  • Annual mileage
  • Driving record
  • Claim history
  • Your age

Find the Cheapest Car Insurance Quotes in Maine

Drivers in Maine must have at least these liability car insurance coverage limits:

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

These limits only fulfill Maine’s legal requirements to drive. An accident resulting in extensive hospital bills and court fees can easily go beyond these limits.

Any claim-related costs that exceed your limits will need to be paid out of your own pocket. To avoid this, consider raising your policy’s liability limits to what your budget can afford.

LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver in Maine. Your own rates may be different.

Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.

Full-coverage policies include collision, comprehensive and liability coverage:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Uninsured motorist: $50,000 per person, $100,000 per accident if required in that state
  • Personal injury protection: Minimum limits if required in that state
  • Collision: $500 deductible
  • Comprehensive: $500 deductible