Cheapest car insurance in Maine 2023

Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.

Looking to save money on car insurance in the Pine Tree State?

We crunched the data for several different Maine driver profiles to calculate the average cost of car insurance for minimum coverage. We also identified some of the cheapest rates for basic coverage, whether you consistently drive through Portland or are making your way up to see beautiful Acadia National Park.

To evenly compare insurers, we based our calculations on a relatively neutral driver profile — with no accidents, tickets or claims (see our full methodology). The rates you get may be higher or lower given your driving history and other factors that affect car insurance like your vehicle, age, mileage and coverage selections.

Read on to learn about Maine’s average car insurance rates and our findings for the cheapest options.

• Cost of car insurance in Maine
• 5 cheapest car insurance companies in Maine
• Cheapest state-minimum car insurance in Maine
• Cheapest car insurance for good credit in Maine
• Cheapest car insurance for poor credit in Maine
• Cheapest car insurance for drivers with multiple claims in Maine
• Cheapest car insurance for young drivers in Maine
• Maine auto insurance requirements
• Is usage-based insurance available in Maine?
• FAQs about the cheapest car insurance rates in Maine
• Methodology

Cost of car insurance in Maine

Average monthly premiums for car insurance in Maine range from just over $40 to just under $100, depending on type of coverage and driver profile.

Average monthly auto insurance premiums in Maine

5 cheapest car insurance companies in Maine

Read on to learn more about the five cheapest car insurance companies, for state-minimum coverage, for drivers in Maine based on our calculations. We’ve calculated these rates based on a specific driver profile to assess insurers evenly and to get a sense of costs for an average driver (see full methodology for more information).

Unless otherwise noted, our driver’s characteristics include a credit score between 680 and 719, a history with no tickets or coverage gaps, a $20,000 to $30,000 car and an age range from 36 to 45. Your rates may vary based on your circumstances and coverage needs.

1. USAA

For as little as $23.80 a month, USAA offers the cheapest car insurance for basic coverage for our Maine driver profile. To qualify for USAA car insurance, you must be a USAA member, which requires you to be a military member, spouse or child of a USAA member. In addition to basic coverage, USAA offers comprehensive, collision, liability and uninsured/underinsured motorist coverage as well as a range of discounts for good grades, safe driving, automatic payments and bundling your policies.

2. Patriot Group

Patriot Group offers car insurance through local independent agents and could offer our Maine driver profile a rate as low as $31.92 per month for a basic policy. Besides basic coverage, Patriot group offers coverage for vehicle and property damage, medical and funeral expenses, work loss benefits, defense and court costs, towing and rental car costs. It also offers classic car insurance and discounts for safe driving.

3. MMG Insurance

With MMG Insurance, our Maine driver profile could pay as little as $35.17 monthly for a basic car insurance policy. MMG has been providing insurance for more than 125 years. In addition to its standard coverages, MMG’s Driver Advantage policy includes a safe-driving incentive, disappearing collision deductible, glass deductible waiver and key replacement.

4. Vermont Mutual

Our Maine driver profile could see car insurance rates from Vermont Mutual for as low as $35.92 per month for basic coverage. Vermont Mutual sells insurance through independent agents and offers discounts for bundling home and auto policies, insuring multiple vehicles and having certain safety and security equipment.

5. Geico

Geico rounds out the five cheapest car insurers in Maine with coverage for our driver profile — offering insurance for as low as $37.20 per month for minimum coverage. Geico provides a wide range of additional coverage options as well as several discount opportunities. Customers can tap into Geico’s mobile app to manage their policy, access ID cards and request roadside assistance.

Cheapest state-minimum car insurance in Maine

State-minimum insurance is often the cheapest kind of coverage you’ll need, but you must register and drive your car legally in Maine.

Here are the five cheapest car insurance companies in Maine for state-minimum coverage.

5 cheapest car insurance companies in Maine for state-minimum coverage

Cheapest car insurance for good credit in Maine

Insurers often evaluate your credit when calculating your monthly car insurance premium. Drivers with better credit typically pay less for car insurance than drivers considered to have poor credit.

Here are the five companies that offer the cheapest car insurance for Maine drivers with good credit.

5 cheapest car insurance companies in Maine for those with good credit

Cheapest car insurance for poor credit in Maine

Because drivers with less-than-stellar credit are considered riskier to insure, they often pay more for their car insurance than drivers with better credit.

The following insurers offer the lowest car insurance rates, for minimum coverage, for drivers with credit scores below 580.

5 cheapest car insurance companies in Maine for those with poor credit

Cheapest car insurance for drivers with multiple claims in Maine

Insurance companies examine your recent accidents and claims history to help calculate your premium. You’ll pay more for insurance if you have one or several claims on your record than someone without claims.

The companies in the table below offer the lowest estimated rates, for minimum coverage, for drivers with multiple claims.

5 cheapest car insurance companies in Maine for multiple claims

Cheapest car insurance for young drivers in Maine

Your age plays a role in determining your car insurance premium, with younger drivers, typically under age 25, paying more for car insurance. As you get older and establish a history of safe driving, your rates typically decrease, all else being equal.

Drivers between the ages of 18 and 21 may find the cheapest insurance for basic coverage with the following five companies.

5 cheapest car insurance companies in Maine for young drivers

Maine auto insurance requirements

Maine requires drivers to have at least $50,000 per person and $100,000 per accident for bodily injury and $25,000 for property damage. Drivers must also carry a minimum of $2,000 in medical payments coverage, and at least $50,000 per person and $100,000 per accident of uninsured/underinsured motorist coverage. If your liability limit exceeds the minimum, your uninsured/underinsured motorist coverage must match your higher limit — unless you reject the higher limit in writing.

Is usage-based insurance available in Maine?

Usage-based insurance, or UBI, is a type of vehicle insurance that allows customers to pay premiums based on their driving behavior. Drivers in Maine can take advantage of their insurer’s UBI programs, if offered, to recognize discounts on their premiums for tracking their safe driving.

FAQs about the cheapest car insurance rates in Maine

Methodology

This article’s estimated rates are the lowest based on the profile of a driver age 36 to 45 living in Maine. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000.

Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on various factors, such as your age, vehicle driving habits, coverage and history.

The average monthly premium for full-coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. The average monthly premium for state-minimum car insurance includes a Maine-mandated 50/100/25 insurance policy.

Estimated rates for insurance for good credit apply to scores of 720 or higher. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those age 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.