Best Car Insurance: Maine
Looking for affordable, quality auto insurance coverage in the Pine Tree State? Get all of your questions about Maine car insurance answered.
Find out if you’re paying too much for auto insurance here.
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Key Points:
- Geico, Auto-Owners, and USAA are our top picks for auto insurance in Maine.
- The average cost of car insurance in Maine is well below the national average.
- Maine has some of the highest minimum liability coverage limits in the nation.
- Auto-Owners and Travelers are among the cheapest full-coverage car insurance providers for Maine drivers.
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.
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Cheapest Car Insurance Companies In Maine
According to our cost estimates, Auto-Owners, Travelers, USAA, and Geico are a few of the cheapest full-coverage providers for Maine. The estimates below are for a 30-year-old single male with good credit and a clean driving record who owns a 2020 Honda CR-V.
| Car Insurance Provider | Average Annual Full Coverage Cost Estimate |
|---|---|
| Auto-Owners | $698 |
| Travelers | $762 |
| USAA | $849 |
| Geico | $849 |
| State Farm | $969 |
How Much Does Car Insurance In Maine Cost?
Maine auto insurance is known for being one of the least expensive in the nation. According to data from Quadrant Information Services, the average cost of full-coverage car insurance in the state is just $1,047 per year or $87 per month. These estimates come in well below the national average costs of $1,968 per year or $164 per month. Keep in mind that these average rates are for the same driver mentioned above with a 2020 Honda CR-V.
Your own car insurance premium 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
Age has a significant impact on the cost of car insurance. The table below shows estimated full coverage costs for drivers of various ages, all behind the wheel of a 2020 Honda CR-V.
| Age | Maine Annual Full-Coverage Car Insurance Cost |
|---|---|
| 16 | $4,218 |
| 20 | $2,613 |
| 30 | $1,047 |
| 40 | $987 |
| 50 | $950 |
Annual Maine Car Insurance Estimates For Drivers With Bad Credit
Maine drivers with poor credit can pay nearly twice as much for auto insurance coverage as those with good credit. The below estimates are for a 30-year-old, single male who drives a 2020 Honda CR-V.
| Credit Rating | Maine Annual Full-Coverage Car Insurance Cost |
|---|---|
| Good | $1,047 |
| Poor | $2,000 |
Annual Maine Car Insurance Estimates For Bad Drivers
High-risk drivers in the state of Maine can expect their car insurance costs to skyrocket. Again, these estimates are for a 30-year-old, single male who drives a 2020 Honda CR-V.
| Driving Record | Maine Annual Full-Coverage Car Insurance Cost |
|---|---|
| Clean | $1,047 |
| Speeding Ticket | $1,327 |
| At-Fault Accident | $1,507 |
| DUI | $2,137 |
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 goal. 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 best car insurance companies in Maine.
| Best Maine Car Insurance | Our Overall Rating | Average Annual Cost
for Full Coverage |
|---|---|---|
| 1. Geico Auto Insurance | 4.5 | $849 |
| 2. Auto-Owners Insurance | 4.4 | $698 |
| 3. USAA Car Insurance | 4.5 | $849 |
| 4. State Farm Auto Insurance | 4.7 | $969 |
| 5. Travelers | 4.6 | $762 |
*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.
#1 Geico: Best for Basic Coverage
Geico has great coverage, affordable car insurance rates, and positive reviews from industry experts like the Better Business Bureau (BBB) and AM Best. The third-largest car insurance company in the country, Geico wrote over $38 billion in premiums in 2022 according to the National Association of Insurance Commissioners (NAIC).
Along with standard minimum coverage that will satisfy Maine auto insurance requirements, you can get roadside assistance, rental car reimbursement, mechanical breakdown insurance, and more with Geico. 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 22 percent for good drivers who are accident-free for five years.
#2 Auto-Owners Insurance: Best Local Service
Auto-Owners serves 26 states and has been in business for over 100 years. The company has a reputation for excellent customer service, reflected by its strong finish in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study℠. The company scored 888 out of 1,000 possible points in the study, ranking seventh among major providers.
What we especially like about Auto-Owners is its knack for personalized service. The company operates through local insurance agents, which means Maine drivers can receive assistance from insurance experts who know the unique territory.
Along with standard auto insurance, Auto-Owners offers roadside assistance, rental car reimbursement, GAP insurance (to cover the difference between the value of your car and what you owe on it in the event of a total loss), and other add-on protections.
Auto-Owners holds an A+ rating from the BBB and an A++ financial strength rating from AM Best. The company’s mobile app has solid ratings on both the Google Play Store and the Apple App Store.
#3 USAA: 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 2023 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 garage your vehicle on base.
#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 state minimums for 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 about your driving habits acquired from a mobile app to determine savings.
#5 Travelers Auto Insurance: Best Coverage Options
Travelers has a long history in the insurance business, having been founded in 1853. The company holds an A rating from the BBB and carries an A++ financial strength rating from AM Best.
We named Travelers the auto insurer with the Best Coverage Options because it goes well beyond standard types of coverage. You can add GAP coverage and new car replacement, both of which help you recover from a covered total loss. Travelers also features umbrella coverage, which protects you from attorney fees and other lawsuit-related expenses.
As always, we recommend comparing free quotes for auto insurance from several providers to find the best Maine car insurance. You can use the tool below to collect and compare auto insurance rates from providers available in your state:
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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 liability protection per person
- $100,000 in bodily injury liability protection per accident
- $25,000 in property damage liability protection
Motorists in Maine must also carry underinsured/uninsured motorist coverage 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 collision coverage or comprehensive coverage.
Although Maine has the highest basic requirements, even the best Maine car insurance is relatively cheap.
What To Know About Driving In Maine
The Maine Department of Transportation reports that there were 165,782 total highway crashes between 2018 and 2022, 726 of which were fatal. The leading causes of highway crashes in that time period were from rear-endings, sideswipes, and veering off the road. Deer accounted for the cause of almost 18% of all highway crashes in Maine between 2018 and 2022.
The data shows that most highway crashes in Maine occur in December and January, and crashes are more likely to happen on Friday than any other day of the week.
Maine Car Insurance: Our Take
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 considering 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.
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Maine Car Insurance: FAQ
Below are some 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 Auto-Owners, Travelers, and USAA. 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.
How We Rate Auto Insurers
Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Pricing: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
- Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.
*Data accurate at time of publication.
