Auto Insurance In Maine: Affordable Or Expensive?

Maine has some of the cheapest car insurance rates in the US, with an average annual rate of $949, hundreds of dollars cheaper than the national average. The state's low population density and low percentage of uninsured drivers help keep insurance premiums affordable.

The cheapest car insurance companies in Maine are Vermont Mutual, Auto-Owners, and Geico. The average cost of car insurance with minimum coverage in Maine is $386 per year, while full coverage is $915 per year.

Cheapest car insurance companies in Maine

Maine has some of the lowest average car insurance rates in the US. The average annual rate for car insurance in the state is $949, which is hundreds of dollars cheaper than the national average of $1,543.

Auto-Owners

Auto-Owners Insurance offers the lowest average annual rate in Maine at $620, which is $329 cheaper than the state's average. The company also has the cheapest rates for teen drivers, young drivers, adults, seniors, and good drivers.

Vermont Mutual

Vermont Mutual is the cheapest company in Maine for a minimum coverage policy. It also has the cheapest rates for 30-year-old drivers and 40-year-old drivers.

Concord

Concord has the best cheap car insurance in Maine, with an annual rate of $847 for full coverage. This is 23% cheaper than the state average. The company also has the cheapest rates for young drivers after a ticket or accident and after a DUI.

State Farm

State Farm offers the cheapest minimum-coverage car insurance quotes in Maine at $30 per month, which is 27% less than the state average. It also has the best rates for drivers with a recent speeding ticket and after an accident.

MMG

MMG has the cheapest car insurance rate for drivers with bad credit at $121 per month for a full-coverage policy, which is 40% less than the state average.

Cheapest car insurance for young drivers

Auto insurance in Maine is cheaper than in other states, with an average annual rate of $949, which is hundreds of dollars cheaper than the national average of $1,543.

Young drivers in Maine can expect to pay more for car insurance than older drivers. The average cost of minimum-coverage car insurance for 18-year-old drivers in Maine is $136 per month, which is more than three times the cost of the same policy for a 30-year-old.

Concord has the cheapest widely accessible car insurance quotes in Maine for young drivers. The company offers a monthly rate of $85 for minimum coverage and $147 for full coverage. That’s 37% and 52% cheaper than the state average, respectively.

USAA has even cheaper rates for young drivers who want a minimum-coverage policy, charging just $58 per month. However, USAA is only available to people affiliated with the military.

Other Ways to Get Cheaper Car Insurance in Maine

• Shop around: Don't settle for the first quote you receive. Compare rates from multiple insurers to find the lowest rate possible.
• Keep a clean driving record: Safe driving typically results in lower premiums. Avoid accidents and traffic violations to maintain a spotless driving record and enjoy better rates.
• Improve your credit score: Having a good credit score can decrease your insurance rates. Insurance companies view drivers with a good credit profile as more responsible.
• Hunt for discounts: Ask about available discounts, such as those for safe driving, bundling policies, or having certain safety features in your vehicle.

Cheapest car insurance for drivers with a DUI

Maine has some of the lowest average car insurance rates in the U.S. The average annual rate for car insurance in Maine is $949, which is hundreds of dollars cheaper than the national average of $1,543.

The cost of car insurance varies depending on several factors, including age, location, driving history, and credit score. For example, teen drivers in Maine pay the highest average yearly rates, with 17-year-old males paying $3,782 and females paying $3,248. On the other hand, married 60-year-olds have the most affordable rates, with males paying an average of $539 per year and females paying $444.

When it comes to insurance companies, Auto-Owners stands out as the top choice for cheap car insurance in Maine, with an average monthly premium of $51. State Farm, Concord, and USAA also offer competitive prices, with State Farm and Concord's full-coverage insurance starting at $73 and $71 per month, respectively. USAA, which is only available to military members, veterans, and their families, offers liability-only insurance starting at $22 per month.

If you have a DUI on your record, your insurance rates will increase. The state average for Maine drivers with a DUI is $1,619 per year. State Farm offers the lowest rate for this group, with an average of $984 per year. Concord also has affordable rates for drivers with a DUI, with an average cost of $119 per month for full coverage.

To get the cheapest car insurance in Maine, it's recommended to shop around and compare rates from multiple insurers. Maintaining a clean driving record, improving your credit score, and adjusting your deductible can also help lower your premiums.

Cheapest car insurance for drivers with poor credit

Maine has the lowest average car insurance rates in the U.S. The average annual rate for car insurance is $949, hundreds of dollars per year cheaper than the national average rate of $1,543.

Auto-Owners Insurance has the lowest sample rate in Maine at $620 per year on average. The company also offers the cheapest car insurance rates for drivers with poor credit, charging an average of $585 per year for married 35-year-old males and $481 per year for married 35-year-old females.

USAA, a company that offers insurance coverage exclusively to military members, veterans, and their families, is another great option for drivers with poor credit. USAA provides affordable coverage for military members with poor credit at an average annual rate of $1,042.

Other insurance companies that offer relatively cheap car insurance rates for drivers with poor credit in Maine include State Farm, Concord, and Vermont Mutual.

Cheapest car insurance for military families

Auto insurance rates vary depending on several factors, including age, location, driving record, vehicle type, and gender. For military families in Maine, USAA is a good option as it offers discounted rates for active military members, veterans, and their families. USAA is available in all 50 states and provides benefits tailored to meet the unique needs of military households. Their rates are also competitive, with an average annual rate of $1,203 for car insurance.

Other insurance companies that offer military discounts include Geico, Farmers Insurance, and Liberty Mutual. Geico offers a discount of up to 15% for current and former military and National Guard members, as well as an emergency deployment discount for those deployed to imminent danger locations. Farmers Insurance provides a discount for those currently serving or who have served in the military, and Liberty Mutual also extends discounts to military personnel, although the specifics of the savings are not advertised.

In addition to USAA, Concord Group and State Farm offer competitive rates for car insurance in Maine. Concord Group has the most affordable full-coverage auto insurance quote in the state, with an average annual rate of $847, or $71 per month. State Farm, meanwhile, offers the cheapest minimum-coverage car insurance, with an average monthly rate of $30, or $360 annually.

Frequently asked questions