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Best Auto Insurance in Maine 2024

The most competitive rates and car insurance policies in the Pine Tree state.

Best Auto Insurance for Seniors in Maine
AARP logo

Full Coverage Averages in Maine
• Annual Premium: $928
• Monthly Premium: $77

Pros + Cons
Benefits and perks for older Americans
Cheapest overall rates
X Only available to drivers over age 50

Read our AARP review.

Best Cheap Auto Insurance in Maine
Concord Logo

Full Coverage Averages in Maine
• Annual Premium: $1,052
• Monthly Premium: $90

Pros + Cons
Cheapest rates for drivers under 50
Regional New England provider
X No rideshare coverage

Best Auto Insurance for Safe Drivers in Maine
State Farm Logo

Full Coverage Averages in Maine
• Annual Premium: $1,181
• Monthly Premium: $98

Pros + Cons
Largest list of local agents in Maine
Cheap for safe teen drivers
X No gap insurance

Read our State Farm review.

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Our Commitment to You: At, our mission is to help you make smarter auto insurance decisions with confidence. We follow a strict editorial policy to ensure the accuracy of information presented is rooted in data and vetted by thousands of hours of research. While we may earn compensation from our partners, this does not influence our assessments and recommendations. Learn more about how we make money.

According to the most recent data from the National Association of Insurance Commissioners, Maine is the cheapest state in the U.S for auto insurance. Its low rates are due in large part to the state’s low population density and uninsured driver rate—Maine also happens to have the lowest uninsured motorist rate in the country.1

Even as the cheapest provider in the nation, you may have noticed your premiums increase in recent years. Inflation, premium pauses due to COVID, and higher rates of claims have led to premium hikes (20 percent) across the country. If you’re feeling the pain for auto insurance increases, know that there are affordable options for quality insurance. Our team of experts have done the research for the best providers in Maine and leverage smart shopping strategies to ensure we’ve found the best rates and best coverage for several driver types.

Whether you’re entering retirement, have a series of accidents/violations on your record, or have a teen on your policy, we’ve compiled a broad list of providers relevant to Maine’s population.

Average Annual Rate in Maine

With an average rate of $1,181, Maine offers the cheapest average auto insurance rates in the country (nearly half the national average).

Regional Average Monthly average premium for full coverage Annual average premium for full coverage
Maine $98 $1,181
U.S. $160 $1,924

Average Premiums in Maine by City

At $1,128, average rates in Portland, Maine’s largest city, are similar to the statewide average. Rates in Biddeford ($1,044) are on the lower end, while rates in Lewiston ($1,164) are higher, but still on par with the state average.

City Monthly average premium Annual average premium
Biddeford $87 $1,044
Saco $88 $1,056
Bangor $89 $1,068
Portland $94 $1,128
Augusta $96 $1,152
Auburn $96 $1,152
Lewiston $97 $1,164

Car and cell phoneBest Auto Insurance Companies in Maine

  1. AARP (The Hartford) – Best Auto Insurance for Seniors in Maine
    If you’re part of the 20 percent of residents that make up Maine’s senior population, you can benefit from the AARP’s auto insurance that specializes in coverage for older Americans.
  2. Concord – Best Cheap Auto Insurance in Maine
    For those who are under the age of 50, Concord offers the cheapest average annual rates in Maine, making it the best overall provider for drivers on a budget.
  3. State Farm – Best Auto Insurance for Safe Drivers in Maine
    If you’re a safe driver, you can gain great saving opportunities with one of the state’s largest providers, State Farm.

Comparison of the Best Auto Insurance Companies in Maine 2024

Feature AARP (The Hartford) Concord State Farm Travelers MMG
Average annual rate in Maine $928 $1,052 $1,181 $1,391 $1,246
New England Customer Satisfaction Index Ranking out of 1,000 (J.D. Power)2 N/A N/A 829 782 N/A
Best for Older Americans People on a budget Safe drivers People with electric vehicles People with a bad driving record
Agents in Maine 100+ Independent agents 100+ 100+ 50+
Review AARP review N/A State Farm review Travelers review N/A

Summary of the Best Auto Insurance in Maine

  1. 1.

    Best Auto Insurance for Seniors in Maine: AARP

  2. 2.

    Best Cheap Auto Insurance in Maine: Concord

  3. 3.

    Best Auto Insurance for Safe Drivers in Maine: State Farm

  4. 4.

    Best Auto Insurance for Electric Vehicles in Maine: Travelers

  5. 5.

    Best Auto Insurance for High-Risk Drivers in Maine: MMG Insurance

Detailed List of the Best Auto Insurance in Maine 2024

1. Best Auto Insurance for Seniors in Maine - AARP
AARP logo

What We Like Most:

  • Best option for seniors
  • RecoverCare adds more coverage
  • Discounted policies from The Hartford

The AARP has been offering discounts, benefits, and services to older Americans since 1958. And since its partnership with The Hartford in 1984, it’s provided car insurance to millions of Americans, which we named the best auto insurance for seniors. In Maine, its $928 annual average is the cheapest in the state, making it our top pick for drivers over the age of 50.

Did You Know?

Nearly 22 percent of residents are over the age 65 in Maine, making it the highest senior population per capita in the U.S. If you’re over the age of 50, we recommend you request a quote from the AARP to see what kind of plans you qualify for.3

ProsWho It's Best For
  • pro
    Older Americans
  • pro
    Safe drivers
  • pro
    People who can bundle auto insurance
  • pro
    People with collectible cars
ConsWho It's Not Best For
  • con
    Drivers under the age of 50
  • con
    Drivers with a bad record

Affordable for Older Americans

With an annual average rate of $928 ($77 monthly), the AARP’s program is the cheapest provider for Mainers over the age of 50. In fact, Maine’s rates with the AARP are more than half the national average ($1,924).

The AARP’s affordable rates are due, in large part, to two factors: first, Maine has some of the cheapest auto insurance rates in the country across the board. Most providers boast their cheapest average rates in Maine. And second, the AARP has several discounts, like an automatic 10 percent AARP membership discount, to help keep costs below.

AARP Discounts

The AARP offers several discounts to its members, including 10 percent off their plan with The Hartford.

Here are a few other ways to save with the AARP:

Discount type Saving percentage Discount description
Paid-in full N/A Pay your bill in full instead of monthly payments, and you’ll be eligible for additional savings.
TrueLane Up to 25% Sign up for The Hartford’s usage-based insurance program, and you’ll be rewarded with savings by exhibiting safe driving habits.
Bundle Up to 12% Bundle your auto with home, condo, or renters insurance to earn this discount.
Defensive driver course N/A Complete a defensive driver and you might qualify for a discount.

AARP Benefits

On top of cheap average rates and several discount options, the AARP comes with a number of membership perks and benefits. Here are some perks you can leverage with your AARP membership.

AARP perk Saving details
Car rental discounts Up to 35% off
Truck rental discount Up to 20% off
Zipcar Car Sharing $20 off annual membership
Allstate roadside assistance $5.50 starting rates
Exxonmobil Rewards+ Account 500 welcome points (100 pointes = $1)
Valvoline instant oil change 15% off drive-thru service

Members also get discounts and offerings on travel deals, groceries and shopping, entertainment, and more.

2. Best Cheap Auto Insurance in Maine - Concord
Concord Logo

What We Like Most:

  • Covers steering, suspension, towing, transmission, etc.
  • Roadside assistance available 24/7
  • Can take your car to any licensed repair shop or dealer

If you’re under the age of 50, Concord offers the most competitive rates in Maine. Concord’s state $1,052 average is about $900 cheaper than the national average, providing drivers with affordable insurance and quality benefits. On top of your standard full coverage options, Concord offers additional services, like free extended protection and new car replacement.

ProsWho It's Best For
  • pro
    Drivers on a budget
  • pro
    Teen drivers and new drivers
  • pro
    People who want to bundle auto and home
  • pro
    People with new cars
ConsWho It's Not Best For
  • con
    Older Americans
  • con
    Someone who wants rideshare insurance

Cheapest for Most Drivers

If you can’t qualify for auto insurance with the AARP, Concord will be the next most affordable option in Maine. Here’s a breakdown of how Concord’s prices compare to other major providers in the state.

Company Monthly average premium Annual average premium
Concord $88 $1,052
State Farm $98 $1,181
MMG $104 $1,246
GEICO $106 $1,275
Progressive $109 $1,303
Travelers $116 $1,391
Allstate $122 $1,458

Additional Coverage

If you’re a new driver, teen driver, or simply want to beef up your protection, Concord offers a few ways to bolster your coverage. Beyond liability coverage, comprehensive and collision, uninsured/underinsured motorist coverage, and medical payments, you can also get the following coverage options with Concord:

  • Roadside assistance
  • Gap insurance
  • Accident forgiveness
  • Wages reimbursement coverage–up to $15,000 if you can’t work because of an accident, regardless of who’s at fault
  • New car replacement for vehicles bought in the past 24 months

Free Personal Auto Coverage Enhancements

Concord has a unique benefit, personal auto coverage enhancements (PACE) that’s available to all of its drivers at no additional cost.

PACE automatically provides new car replacement for vehicles purchased in the last 12 months, additional time to report new and replacement vehicles, and reimbursements for lost earnings if you have to spend time in court due to an accident.

3. Best Auto Insurance for Safe Drivers in Maine - State Farm

What We Like Most:

  • Multiple discounts for safe driving, including one specifically for young drivers
  • Local agents
  • Discounts for multiple cars

State Farm is the largest car insurance company in the U.S. and third-largest in Maine.4 It’s a household name, boasts impressive customer service scores, and offers all the standard coverages you might need as an everyday driver. It also offers some great incentives for safe drivers, which we’ll look at closely below.

ProsWho It's Best For
  • pro
    Safe drivers
  • pro
    Someone who wants to work with a local agent in Maine
  • pro
    Rideshare drivers
  • pro
    People who want usage-based insurance
ConsWho It's Not Best For
  • con
    New customers who want accident forgiveness
  • con
    Someone who wants a fully online quote

Discounts for Safe Drivers

Here are a few discounts State Farm offers to drivers in Maine:

Discount Requirement Maximum savings
Good driver discount No drivers in the household can have any moving violations or accidents and must be insured with State Farm for three years 20%
Good student discount Must be a full-time high school or college student under 25 with a 3.0 GPA average, on dean’s list/honor roll, or in the upper 20% of their class 25%
Defensive driver course discount Must be 55 years old and complete a State Farm-approved education course 5%
Accident-free discount Must have a vehicle that’s been insured with State Farm for at least three years without an accident. Discount may increase over time if you continue to have no accidents. Varies
Multi-vehicle discount Insure multiple vehicles under one policy to earn this discount 20%
Multi-policy discount Bundle auto and home, renters, condo, life, or health insurance policy 17%
Student away at school discount Students who keep a car at home while they’re away at school, live 100 miles away from home, and only drive during holidays/vacations can sign up for this discount Varies

Drive Safe & Save

You can earn 5 percent off just for enrolling in Drive Safe & Save, State Farm’s usage-based insurance program. You can save an additional 30 percent at your next renewal if you exhibit safe driving habits with the program.

Here’s how it works. State Farm will send you a small transponder that attaches to your windshield. Your Drive Safe & Save app will pair to your transponder via Bluetooth, allowing State Farm to track your driving habits on the following metrics:

  • Quick acceleration
  • Hard braking
  • Fast cornering
  • Speeding
  • Distracted driving
  • Mileage

The safer you drive, the higher discount you’ll get; however, if you exhibit poor driving habits your premiums could actually increase.

Excellent Mobile Ratings

State Farm offers a sleek, seamless experience for mobile users. Its dashboard is intuitive, making it easy to manage all of your auto insurance needs, including any usage-based programs you sign up for, directly through the app.

Here’s how customers have rated State Farm’s apps:

App iPhone rating out of 5 stars Android rating out of 5 stars
State Farm Mobile app 4.8 stars 4.7 stars
Drive Safe & Save 4.6 stars 4.0 stars
Steer Clear (safe driving discount for young drivers) 4.7 stars 4.2 stars
4. Best Auto Insurance for Electric Vehicles in Maine - Travelers

What We Like Most:

  • High financial strength rating from AM Best
  • Great customer service reviews
  • Discounts for safe drivers, homeowners, electric vehicle owners, and more

Maine has one of the highest charging stations per EV ratio in the country, making it one of the most prepared states for the EV shift. If you own an EV or are thinking about owning an EV in Maine, we recommend you look at Travelers for its discounts and excellent service scores.

If you’re new to owning an EV, check out our electric vehicle insurance guide and see how much you’ll save on gas with our EV fuel calculator.

ProsWho It's Best For
  • pro
    Drivers with electric vehicles
  • pro
    Business owners
  • pro
  • pro
    Fleet owners
ConsWho It's Not Best For
  • con
    Drivers with a bad record
  • con
    New drivers

Discounts for Electric Vehicles

Travelers is one of the few providers that currently offers a discount for driving a hybrid or electric car. You can earn up to 10 percent off your premium with Traveler’s electric/hybrid discount. Talk to your agent to see if you qualify.


Maine has 23 charging stations for every electric vehicle, making it the sixth-highest for charging stations to EVs ratio.5

Few Customer Complaints

Travelers scored a 0.42 on the 2022 National Association of Insurance Commissioner complaint index. This means Travelers received more than half the complaints as its competitors, indicating its customer service is solid.6

Affinity Program Benefits

Join a Travelers affinity program, and become eligible for a number of perks, discounts and benefits. Affinity program benefits include:

  • Additional discounts, like member and employee discounts for participating groups
  • Competitive rates for several insurance products
  • 24/7 phone and online claim reporting
  • Special program rates on your home and auto insurance
5. Best Auto Insurance for High-Risk Drivers in Maine - MMG Insurance
MMG Insurance Logo

What We Like Most:

  • Best rates for drivers with a bad record
  • 120+ years in business
  • 2022 Company of the year recipient–Maine Insurance Agents Association

Maine Mutual Group (MMG) is a regional insurance company that offers several insurance types, including auto insurance, to New England residents. It’s based in Maine and has hundreds of independent agents across the state. MMG offers all the standard coverage options you’d expect from the big names, with more affordable options to high-risk drivers with accidents, moving violations, bad credit, or hit-and-runs in Maine.

ProsWho It's Best For
  • pro
    Drivers with moving violations on their record
  • pro
    Drivers with an accident on their record
  • pro
  • pro
    People with bad credit
ConsWho It's Not Best For
  • con
    Safe drivers
  • con
    Someone who wants to manage their insurance on a mobile app

Cheapest for Drivers With Moving Violations

Even with one minor speeding ticket, your insurance rates may increase. If you get caught speeding significantly higher than the speeding limit, while under the influence of alcohol, or several times in quick succession, you can expect those increases to be even higher.

MMG offers the most competitive rates for drivers with a bad record, including drivers with moving violations. Here’s a breakdown of its rates compared to other providers:

Company Monthly average rate after a speeding ticket Annual average rate after a speeding ticket
MMG $110 $1,320
State Farm $118 $1,416
Concord $123 $1,476
Travelers $139 $1,668
Progressive $183 $2,196
Farmers $194 $2,328
Allstate $206 $2,472


Speeding tickets stay on your record for one year in Maine.7 For a deep dive into how speeding tickets affect your insurance plan, check out our guide on how long a speeding ticket stays on your record.

Cheapest for Drivers With Accidents

Drivers with accidents tend to pay more for car insurance because insurance companies consider them riskier than drivers with no violations or accidents. If you have an accident on your record, you should request a quote from MMG, which offers the cheapest rates in Maine after an accident.

Company Monthly average rate after an accident Annual average rate after an accident
MMG $115 $1,380
Concord $132 $1,584
State Farm $151 $1,812
Travelers $160 $1,920
Progressive $202 $2,424
GEICO $219 $2,628
Allstate $231 $2,772

Cheapest for Drivers With Bad Credit

Similar to moving violations and speeding tickets, drivers with low credit scores will likely see a premium increase in Maine. MMG is your best bet for affordable insurance if you have bad credit.

Company Monthly average rate after an accident Annual average rate after an accident
MMG $123 $1,476
Concord $137 $1,644
Travelers $144 $1,728
GEICO $160 $1,920
Progressive $191 $2,292
State Farm $221 $2,652
Farmers $256 $,3072

Frequently Asked Questions

How much car insurance do I need to drive legally in Maine?

You need the following minimum car insurance to drive legally in Maine:

  • $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 coverage8

Which provider offers the cheapest minimum liability only insurance in Maine?

State Farm offers the cheapest liability-only insurance in Maine, with an average price of around $30 per month.

What is the fault law in Maine?

Maine is a fault state, which means the driver who is responsible for a car accident is also responsible for compensating the other party for damages/injuries.

Maine functions under modified comparative legislation, meaning if you are less than 50 percent at fault, you’re eligible to collect a percentage of damages/injuries that you are not responsible for. For example, if you’re responsible for 30 percent of fault in an accident, you’ll be eligible to recover 70 percent of the damages. If you are 51 percent responsible for an accident, you won’t be eligible to collect any of the damages from the other party.

Does Maine offer state funded low-income insurance?

No, Maine does not offer a state-run car insurance program for low-income drivers. If you’re struggling to find affordable car insurance, we recommend comparing quotes between the state’s most affordable providers–AARP, Concord, MMG, State Farm, and Travelers.


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.
  • 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.

By evaluating these key areas and weighing them according to their importance, we aimed to provide a comprehensive and data-driven analysis of the best auto insurance options for drivers in Maine.


  1. 14 Percent of U.S. Drivers Were Uninsured in 2022, IRC Estimates. (2023, Oct 31).

  2. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds. J.D. Power. (2023, Jun 13).

  3. Which U.S. States Have the Oldest Populations? PRB. (2021, Dec 22).

  4. 2022 Market Share Reports For Property/Casualty Groups and Companies by State and Countrywide. National Association of Insurance Commissioners. (2024).

  5. California leads the United States in electric vehicles and charging locations. U.S. Energy Information Administration. (2023, Dec 14).

  6. Travelers Ind Co National Complaint Index Report. National Association of Insurance Commissioners. (2023).

  7. How Long Does a Speeding Ticket Stay on Your Record? Metromile. (2021, Jul 27).

  8. Insurance Required by Law. Bureau of Insurance, State of Maine. (2024).