Compare Cheap Auto Insurance in Maine

• Full coverage auto insurance in Maine costs $1,224 annually, on average. Minimum coverage costs an average of $512 annually.
• Depending on the driver profile, Travelers, MMG and USAA (for those eligible) offer some of the cheapest rates in Maine.
• GEICO and State Farm also have affordable auto insurance rates for various categories, but State Farm ranks better for customer service.

State Farm doesn’t have the lowest average rates in Maine, but it does have better customer satisfaction ratings than many competitors. We named it among our top picks for auto insurance in Maine. USAA also fared well in J.D. Power’s Customer Satisfaction Study for New England.

Consider a company’s customer service record when you’re making a decision, as it can indicate how smooth your experience will be if you ever need to file a claim. In addition, the cheapest company on average may not be the cheapest for you, so always get quotes from multiple providers.

1. Shop around. The company that offers you the lowest rates may not be the one you expect. Always get quotes from at least three providers to see which one offers the best deal. Be sure to compare the same coverages and add-ons to make a fair comparison.
2. Check for discounts. You may be eligible for bundling, new-vehicle, multivehicle or other discounts, so always check what’s available to help you save money. All insurers offer discounts of some type, but they vary by company.
3. Raise your deductible. If you have a full coverage policy, you’ll have a deductible for your comprehensive coverage and another for collision. Increasing these deductibles can lower your premium — just make sure you can afford to pay them if you need to file a claim.
4. Lower your coverage limits. If your liability limits are higher than minimum coverage, you have the option of lowering them to decrease your premium. However, a lower premium may not be worth potentially high out-of-pocket expenses if you get into an accident. Weigh your situation carefully before you reduce your coverage.

Maine is a small state with a low population density overall, so it’s not surprising that auto insurance rates don’t vary widely from city to city. Lewiston has the highest average rate, at $1,293 per year, which is slightly above the state average. Meanwhile, South Portland has a slightly lower average rate of $1,182 per year.

Maine has higher minimum coverage requirements than some other states because the state requires uninsured/underinsured motorist coverage and medical payments coverage in addition to the standard liability coverages.

• Bodily injury liability: $50,000 per person/$100,000 per accident
• Property damage liability: $25,000 per accident
• Uninsured/underinsured motorist coverage: $50,000 per person/$100,000 per accident
• Medical payments coverage: $2,000⁴

These minimum coverage limits provide a good baseline of coverage, but for more robust financial protection, consider increasing your limits. In addition, these limits do not include coverage for damage to your own vehicle. If that’s important to you, you’ll need full coverage.

We analyze average auto insurance premiums in Maine for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit and teenagers. 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: $2,000
• Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
• Comprehensive and collision: $500 deductible