Best Auto Insurance in Maine in 2026

Full Coverage Rates in Maine

If you live in Maine, your premiums will be about 30 percent less compared to the national average. Full coverage car insurance in Maine is about $1,526 per year or $127 per month.

Minimum Coverage Rates in Maine

Maine drivers with a minimum coverage policy pay about $837 per year or $70 per month. These rates fall around 35 percent lower than the national average.

Because your rates depend largely on your driving history, vehicle, and the insurer you choose, it’s best to compare quotes from at least three providers. This will help you get the right coverage at the best price.

Auto Insurance Costs by City in Maine

Car insurance premiums depend on your location, even down to your neighborhood. For instance, Maine residents in South Portland have one of the lowest premiums at $1,294 annually or $108 monthly. If you live in Portland, you’ll also pay less for car insurance, at $1,341 annually.

Meanwhile, those in Lewiston see significantly more expensive car insurance rates. Premiums  are around $1,417 annually or $118 per month.

TRIP reports that Maine had 179 traffic fatalities in 2024, increasing by 37 percent within the last decade.⁷ Even so, Maine has a lower rate of traffic deaths per 100 million vehicle miles traveled — most likely owing to its smaller population.⁸

Maine requires its more than 1.2 million licensed drivers to carry insurance in order to operate a vehicle. Maine mandates the following car insurance coverages and limits:

• $50,000/person and $100,000/accident in bodily injury liability
• $25,000 in property damage
• $2,000 per person in medical payments coverage
• $50,000/person and $100,000/accident in uninsured/underinsured motorist coverage⁹

Minimum coverage limits may be the lowest limits required by the state, but it won’t be enough to cover damages in a serious accident. We recommend getting full coverage if you can afford it, since it will also cover repairs to your own vehicle.

To determine the best auto insurance companies in Maine, we evaluated insurers across four key categories—pricing, claims handling, customer experience, and coverage options. Here’s a breakdown of how each category was assessed:

• Pricing (40%): We analyzed average annual premiums for full and minimum coverage for a good driver profile in Maine. We also looked at average rates for high-risk driver profiles in the state, including those with an accident, speeding ticket, or poor credit. Additionally, we considered available discounts and whether major opportunities like bundling, good student, and telematics discounts are offered. Full coverage averages use the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Medical payments: $2,009
  • Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims Handling (25%): A company’s ability to handle claims efficiently and fairly is paramount. We considered third-party evaluations from sources like J.D. Power’s Claims Satisfaction Report for insurers operating in Maine. We also looked at financial strength ratings from AM Best and Moody’s, which indicate an insurer’s ability to pay claims.
• Customer Experience (25%): The overall experience of obtaining a quote, purchasing a policy, and interacting with the insurer was evaluated based on: ease of online quote and purchase process and regional customer satisfaction scores (J.D. Power U.S. Auto Insurance Study and Digital Experience Study) for Maine and complaint data from the National Association of Insurance Commissioners (NAIC) and Better Business Bureau (BBB) ratings for companies operating in the state.
• Coverage Options (10%): We value insurers that provide additional protection beyond legally-required coverage in Maine, through optional endorsements like: gap insurance, rideshare coverage, accident forgiveness, and other offerings.

Read more about our ratings and methodology.