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Cheap Car Insurance in Maine

The Cheapest Car Insurance Rates in Maine are $17/Mo ($202/Yr) for Liability Insurance from USAA and $46/Mo ($557/yr) for Full Coverage from Auto-Owners.

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Updated: Jun 26, 2024

Written by: Daniel Robinson

Writer

Edited by: Rashawn Mitchner

Senior Editor

We at the MarketWatch Guides Auto Team found that Maine is home to some of the cheapest car insurance rates in the nation. Our team researched the best car insurance companies in the Pine State, looking at rates, coverage, ratings and customer reviews. Below, you’ll find car insurance estimates for drivers from different profiles and a list of recommended providers. You’ll also find key information on Maine state insurance requirements and regulations.

Cheap Maine Auto Insurance

Maine drivers can expect to find car insurance premiums far below the national average. That’s because Maine is the the least expensive state for car insurance, according to the National Association of Insurance Commissioners (NAIC).

Below, we’ll look at the cheapest car insurance companies and coverage options in the state, beginning with the most affordable providers that offer state minimum and full coverage car insurance.

Cheapest Car Insurance Companies in Maine

Auto-Owners, Geico, USAA, State Farm and Liberty Mutual provide the cheapest car insurance in Maine. Each of these companies offers comprehensive coverage, afforable insurance and solid customer service.

Top Maine Car Insurance Companies	Overall Rating	Cost Rating	Learn More
Auto-Owners Learn More	8.8	9.0	Learn More
Geico Learn More	9.1	9.2	Learn More
USAA Learn More	9.2	9.8	Learn More
State Farm Learn More	9.3	9.2	Learn More
Liberty Mutual Learn More	9.0	9.2	Learn More

Top Maine Car Insurance Companies	Overall Rating	Cost Rating	Learn More
Auto-Owners Learn More	8.8	9.0	Learn More
Geico Learn More	9.1	9.2	Learn More
USAA Learn More	9.2	9.8	Learn More
State Farm Learn More	9.3	9.2	Learn More
Liberty Mutual Learn More	9.0	9.2	Learn More

*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Maine.

Since each car insurance company calculates premiums differently, we recommend comparing car insurance quotes from several providers to find the cheapest option for you.

Cheapest Maine Car Insurance Coverage

When you purchase a car insurance premium, the level of coverage you choose can have a big impact on the price. Many estimates you receive from providers will include minimum liability and full coverage car insurance quotes. While minimum liability insurance fulfills state requirements, it’s worth considering a full coverage car insurance policy to be protected on the road.

Below, we’ll provide the cheapest Maine car insurance provides for minimum liability and full coverage.

Cheapest Liability Car Insurance in Maine

At $17 per month or $202 per year, USAA provides the cheapest liability car insurance in Maine. Auto-Owners and Geico are also affordable car insurance providers for state minimum coverage.

Cheapest Liability Car Insurance in Maine	Estimated Monthly Cost	Estimated Annual Cost
USAA	$17	$202
Auto-Owners	$18	$215
Geico	$25	$295
State Farm	$26	$311
MetLife	$27	$320

Cheapest Full Coverage Car Insurance in Maine

Auto-Owners Insurance offers the cheapest full coverage car insurance in Maine, costing $46 per month or $557 per year on average. USAA, Geico and State Farm are also strong options for car insurance coverage.

Cheapest Full Coverage Car Insurance in Maine	Estimated Monthly Cost	Estimated Annual Cost
Auto-Owners	$46	$557
USAA	$47	$568
Geico	$63	$757
State Farm	$72	$862
Travelers	$72	$865
MetLife	$84	$1,009
MMG Insurance	$92	$1,107

Cheap Car Insurance in Maine

Age, credit scores and driving history can significantly impact the cost of car insurance in Maine, along with many other factors. Below we compare cheap car insurance estimates for Maine drivers in these categories.

Cheapest Car Insurance Maine for Young Drivers

Age can be the single most important factor when determining car insurance premiums. Teen and young drivers pay substantially more for car insurance than other age groups since they lack driving experience.

Cheap Maine Auto Insurance for 16-Year-Olds

Auto-Owners, Geico and USAA are the cheapest car insurance companies for 16-year-old drivers in Maine on their own policies.

Cheapest Car Insurance in Maine	Estimated Monthly Cost	Estimated Annual Cost
Auto-Owners	$118	$1,421
Geico	$187	$2,241
USAA	$201	$2,406
MMG Insurance	$221	$2,657
State Farm	$231	$2,771

Cheap Maine Auto Insurance for 18-Year-Olds

For 18-year-old drivers in Maine, Auto-Owners, USAA and Geico offer the lowest car insurance rates.

Cheapest Car Insurance in Maine	Estimated Monthly Cost	Estimated Annual Cost
Auto-Owners	$98	$1,181
USAA	$127	$1,528
Geico	$176	$2,106
State Farm	$178	$2,136
Travelers	$180	$2,157

Cheap Maine Auto Insurance for 21-Year-Olds

USAA, Auto-Owners and Geico also offer the lowest car insurance rates for 21-year-old drivers in Maine.

Cheapest Car Insurance in Maine	Estimated Monthly Cost	Estimated Annual Cost
USAA	$70	$837
Auto-Owners	$78	$940
Geico	$96	$1,150
Travelers	$119	$1,429
State Farm	$120	$1,438

Cheap Maine Auto Insurance for 25-Year-Olds

For 25-year-old drivers in Maine, USAA, Auto-Owners and Geico are the best bets for cheap car insurance.

Cheapest Car Insurance in Maine	Estimated Monthly Cost	Estimated Annual Cost
USAA	$57	$682
Auto-Owners	$63	$754
Geico	$73	$875
Travelers	$75	$897
State Farm	$84	$1,010

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Cheapest Car Insurance Maine for High-Risk Drivers

Maine drivers with a recent accident, speeding ticket or DUI can pay hundreds of dollars more for car insurance coverage. The sections below provide estimates for the cheapest car insurance rates for high-risk drivers who may fall into one of these categories.

Cheap Maine Auto Insurance for Drivers With a Speeding Ticket

In Maine, having a speeding ticket will increase your car insurance rates. We found that the average cost for full coverage is $113 per month and $1,353 per year for drivers with a speeding ticket.

Cheapest Car Insurance in Maine	Estimated Monthly Cost	Estimated Annual Cost
Auto-Owners	$51	$616
USAA	$62	$747
State Farm	$72	$864
Geico	$82	$981
MMG Insurance	$99	$1,188

Cheap Maine Auto Insurance for Drivers With a Recent Accident

You can expect to pay significantly more for car insurance in Maine if you have a recent at-fault accident on your record. On average, drivers tend to pay $125 per month or $1,499 per year for full coverage car insurance.

Cheapest Car Insurance in Maine	Estimated Monthly Cost	Estimated Annual Cost
Auto-Owners	$65	$779
State Farm	$79	$943
USAA	$83	$1,001
Geico	$84	$1,006
MMG Insurance	$102	$1,219

Cheap Maine Auto Insurance for Drivers With a DUI

Having a recent DUI on your driving record can cause you to be seen as a high-risk driver in the eyes of car insurance companies. Drivers with a recent DUI tend to pay an average of $298 per month or $3,579 per year for full car insurance coverage.

Cheapest Car Insurance in Maine	Estimated Monthly Cost	Estimated Annual Cost
State Farm	$72	$864
Auto-Owners	$75	$899
Progressive	$101	$1,216
USAA	$111	$1,334
Travelers	$117	$1,403

Cheap Maine Auto Insurance for Drivers With Poor Credit

If you have a poor credit score, you’ll pay more for car insurance in Maine. Drivers tend to pay an average of $186 per month or $2,227 per year for full coverage car insurance in the Pine Tree State.

Cheapest Car Insurance in Maine	Estimated Monthly Cost	Estimated Annual Cost
Auto-Owners	$67	$801
Geico	$88	$1,058
USAA	$89	$1,071
Travelers	$126	$1,514
MMG Insurance	$133	$1,590

Companies With the Best Car Insurance Rates in Maine

If you want to know more about the companies that offer the best car insurance rates in Maine, the sections below provide further details on our top five providers.

1. Auto-Owners: Cheapest Coverage in Maine

8.8/10

Overview

Auto-Owners is a midsize insurance company that operates in 26 states, including Maine. We found that Auto-Owners provides affordable full coverage rates for many Maine drivers, including those who have speeding tickets and accidents on their records or who have poor credit scores.

Extra options from Auto-Owners include roadside assistance, new car replacement and rental car coverage.

Read more: Auto-Owners insurance reviews

Industry Standing

J.D. Power regional rating: Not rated
AM Best financial strength rating: A++
Better Business Bureau (BBB) rating: A+

2. Geico: Affordable for Most Drivers

9.1/10

Overview

We rate Geico as the top insurance company overall across the nation, and we found Geico to be a great option in Maine, as well. The company provides affordable rates for many types of drivers. It also offers useful extras such as roadside assistance and mechanical breakdown insurance. And if you have a collectible or antique vehicle, you can insure it with Geico.

Read more: Geico insurance reviews

Industry Standing

J.D. Power regional rating: 841/1,000
AM Best financial strength rating: A++
BBB rating: A+

3. USAA: Low Rates for Military

9.2/10

Overview

USAA is frequently one of the cheapest options in many states, and this is also true in Maine. If you are a member of the military or a veteran, or if you have close family in the military, you can get car insurance from USAA.

In addition to standard coverage options, USAA offers gap insurance, rideshare insurance, roadside assistance and more. You can also take advantage of SafePilot^®, USAA’s usage-based option, to save up to 30% depending on your driving habits.

Read more: USAA insurance reviews

Industry Standing

J.D. Power regional rating: 887/1,000
AM Best financial strength rating: A++
BBB rating: A+

4. State Farm: Editor’s Choice

9.4/10

Overview

State Farm provides affordable car insurance in Maine, and it can be a good option for students in particular. State Farm’s Steer Clear^® program helps young drivers improve their skills and awards discounts. The company also offers a generous student discount of up to 25%, which students can keep until they turn 25, even after they graduate.

Beyond standard coverage options, State Farm offers extras including rideshare insurance, roadside assistance and rental car reimbursement.

Read more: State Farm insurance reviews

Industry Standing

J.D. Power regional rating: 855/1,000
AM Best financial strength rating: A++
BBB rating: A+

5. Liberty Mutual: Good Programs for Young Drivers

9/10

Overview

We rank Liberty Mutual in the top five insurance providers for the entire nation, and we found the company to also be a great option in Maine. Drivers in Maine can use RightTrack^®, the company’s usage-based program, to save up to 30% on auto insurance coverage based on their driving habits.

Liberty Mutual also offers a number of extra coverage options, including gap insurance, original parts replacement, new car replacement and roadside assistance.

Read more: Liberty Mutual insurance reviews

Industry Standing

J.D. Power regional rating: 816/1,000
AM Best financial strength rating: B+
BBB rating: A+

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How Much Is Car Insurance in Maine?

Maine drivers pay an average of $964 per year for full car insurance coverage. That’s 44% cheaper than the national average of $1,730. Here’s a closer look at how Maine’s car insurance costs compare with average costs in other states across the nation.

Minimum liability coverage averages about $346 per year in Maine, which is well below the national average of $635 per year. USAA and Auto-Owners typically offer the lowest minimum liability car insurance rates in the state.

Maine Car Insurance Cost by Age

A driver’s age plays a major role in determining the cost of car insurance. Here are some average rates for drivers from various age groups in Maine.

Age	Estimated Monthly Cost	Estimated Annual Cost
16	$317	$3,801
17	$279	$3,342
18	$249	$2,990
19	$207	$2,485
21	$146	$1,756
25	$96	$1,150
30	$84	$1,009
40	$79	$950
50	$77	$923
55	$76	$907
65	$75	$898
75	$76	$916

Maine Car Insurance Cost by City

Maine drivers can expect to find consistent car insurance rates throughout the entire state. Average monthly rates across the Pine Tree State tend to be below $90.

City in Maine	Estimated Monthly Cost	Estimated Annual Cost
Biddeford	$73	$874
Saco	$75	$898
Scarborough	$75	$904
South Portland	$76	$907
Brunswick	$76	$913
Auburn	$79	$947
Lewiston	$81	$977
Portland	$82	$980
Augusta	$83	$1,001

*Average estimates apply to the three most popular companies per city.

Factors That Affect Maine Car Insurance Rates

Car insurance premiums in Maine are calculated based on each person’s driving profile.

Some factors auto insurance companies use when coming up with rates include:

Your location
Vehicle age, make and model
Your age
Your gender
Your marital status
Driving history
Credit score
Chosen deductible amount

Maine Car Insurance Requirements

Maine requires drivers to carry liability car insurance, medical payments and underinsured/uninsured motorist coverage. Here are the minimum coverage details according to the State of Maine website:

Bodily injury liability: $50,000 per person and $100,000 per accident
Property damage liability: $25,000 per accident
Medical payments (MedPay): $2,000
Uninsured/underinsured motorist coverage: $50,000 per person and $100,000 per accident

In Maine, you can also get a combined single limit car insurance policy of $125,000 to cover the state minimum liability insurance requirements.

Be aware that no Maine auto insurance requirement covers your vehicle if you cause an accident, drive into an object or encounter damaging weather. Consider adding comprehensive insurance and collision insurance to maintain full coverage on your vehicle.

How To Get Cheap Car Insurance in Maine

As you can see, providers offer a wide range of coverage options, car insurance discounts and usage-based programs, so it’s always important to compare car insurance quotes when you shop.

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Cheap Auto Insurance Maine: The Bottom Line

USAA and Auto-Owners tend to be the be the cheapest car insurance companies on average in the Pine State. But the provider for you will depend on your driving history and what you’re looking for.

Cheapest Car Insurance in Maine: FAQ

Below are frequently asked questions about the cheapest car insurance in Maine.

The average cost of standard car insurance in Maine is $964 per year. The average cost of minimum liability coverage in the state is $346. Both of these figures fall well below the national averages.

Yes, Maine requires drivers to carry liability insurance in the amounts of 50/100/25 and uninsured/underinsured motorist coverage in the amounts of 50/100. It also requires drivers to carry $2,000 in medical payments coverage.

If you are a middle-aged, good driver in Maine, a fair price for car insurance is somewhere between $500 and $1,000 per year. You’ll pay more than that if you are a young driver, have a low credit score or have points on your driving record.

According to our estimates, full coverage car insurance in Maine can range from $40 to $80 or more per month depending on your situation. Shop around to find the best prices.

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials: