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Last updated: June 4, 2025
Compare Cheap Auto Insurance in Maine
Travelers, MMG and USAA (for eligible drivers) offer some of the cheapest auto insurance rates in Maine for various driver profiles.
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Maine is a relatively cheap state for car insurance. Full coverage costs an average of only $1,244 per year, which is 48 percent below the national average of $2,399 annually. Minimum coverage averages $512 per year, which is 19 percent below the national average.
Maine is a very rural state, so drivers in less densely populated areas can expect to pay less than the state average for auto insurance. Meanwhile, drivers in more populated areas, such as Portland and Lewiston, may pay closer to or slightly above the state average.
Overview
- 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.
Jump to:
- Cheapest full coverage auto insurance in Maine: USAA ($774 annually) and Travelers ($849 annually)
- Cheapest minimum coverage: USAA ($293 annually) and MMG ($378 annually)
- Cheapest with a teen driver: Concord ($2,701 annually) and MMG ($3,121 annually)
- Cheapest with a speeding ticket: USAA ($796 annually) and Travelers ($1,180 annually)
- Cheapest with an at-fault accident: USAA ($1,164 annually) and Travelers ($1,222 annually)
- Cheapest with a DUI: Travelers ($1,296 annually) and USAA ($1,569 annually)
- Cheapest with low credit: USAA ($1,145 annually) and Travelers ($1,434 annually)
Cheapest Car Insurance in Maine for Full Coverage: USAA and Travelers
USAA offers the cheapest full coverage auto insurance in Maine, but it is restricted to military members, veterans and their families. Its average rate of $774 per year is 38 percent lower than the state average. Travelers has the next-lowest average rate, at only $849 per year, which is 32 percent cheaper than the state average.
| Provider | Annual full coverage | Monthly full coverage |
|---|---|---|
| USAA | $774 | $65 |
| Travelers | $849 | $71 |
| MMG | $1,026 | $86 |
| GEICO | $1,256 | $105 |
| State Farm | $1,351 | $113 |
| Progressive | $1,368 | $114 |
| Farmers | $1,448 | $121 |
| Allstate | $1,660 | $138 |
| Maine average | $1,244 | $104 |
| National average | $2,399 | $200 |
Cheapest Car Insurance in Maine for Minimum Coverage: USAA and MMG
USAA also offers the lowest average rate for minimum coverage, at $293 annually — 43 percent cheaper than the state average. For nonmilitary drivers, MMG has the best rates. Its average annual premium of $378 is 26 percent below the state average.
| Provider | Annual minimum coverage | Monthly minimum coverage |
|---|---|---|
| USAA | $293 | $24 |
| MMG | $378 | $32 |
| GEICO | $459 | $38 |
| Travelers | $516 | $43 |
| State Farm | $601 | $50 |
| Progressive | $628 | $52 |
| Allstate | $808 | $67 |
| Maine average | $512 | $43 |
| National average | $635 | $53 |
Cheapest Car Insurance in Maine for Households With Teen Drivers: Concord
Concord has the cheapest rates for households looking for teen auto insurance in Maine. The insurer’s annual average premium of $2,701 for households with teen drivers is well below the $3,774 Maine average. MMG and USAA (for those eligible) also offer competitive rates for teens.
| Provider | Annual rate with a teen driver | Monthly rate with a teen driver |
|---|---|---|
| Concord | $2,701 | $225 |
| MMG | $3,121 | $260 |
| USAA | $3,251 | $271 |
| Travelers | $3,281 | $273 |
| Allstate | $6,188 | $516 |
| Farmers | $6,244 | $520 |
| GEICO | $6,392 | $533 |
| State Farm | $7,061 | $588 |
| Progressive | $9,702 | $809 |
| Maine average | $3,774 | $315 |
| National average | $5,327 | $444 |
Cheapest Car Insurance in Maine With a Speeding Ticket: USAA and Travelers
Drivers with a speeding ticket in Maine can find the lowest auto insurance rates, on average, from USAA (if they are affiliated with the military) and Travelers. The companies’ average rates of $796 per year and $1,180 per year, respectively, are both well below the state average of $1,416.
| Provider | Annual rate with a speeding ticket | Monthly rate with a speeding ticket |
|---|---|---|
| USAA | $796 | $66 |
| Travelers | $1,180 | $98 |
| MMG | $1,293 | $108 |
| GEICO | $1,432 | $119 |
| Progressive | $1,686 | $141 |
| Allstate | $1,717 | $143 |
| State Farm | $1,792 | $149 |
| Maine average | $1,416 | $118 |
| National average | $2,511 | $209 |
Cheapest Car Insurance in Maine With an At-Fault Accident: USAA and Travelers
USAA has the best average rate for military-affiliated drivers with an at-fault accident in Maine, at $1,164 per year. Travelers and MMG offer low average rates for nonmilitary drivers, at $1,222 per year and $1,247 per year, respectively — just under 30 percent cheaper than the state average.
| Provider | Annual rate with an at-fault accident | Monthly rate with an at-fault accident |
|---|---|---|
| USAA | $1,164 | $97 |
| Travelers | $1,222 | $102 |
| MMG | $1,247 | $104 |
| State Farm | $1,571 | $131 |
| GEICO | $2,058 | $172 |
| Allstate | $2,213 | $184 |
| Progressive | $2,236 | $186 |
| Farmers | $2,949 | $246 |
| Maine average | $1,738 | $145 |
| National average | $2,812 | $234 |
Cheapest Car Insurance in Maine With a DUI: Travelers
Drivers with a DUI in Maine can expect to pay more than those with clean records. However, low rates are still available from companies like Travelers, which has the cheapest average premium for this category, at $1,296 per year. That’s 38 percent below the state average of $2,082 per year. USAA and Progressive also have affordable rates for drivers with DUIs.
| Provider | Annual rate with a DUI | Monthly rate with a DUI |
|---|---|---|
| Travelers | $1,296 | $108 |
| USAA | $1,569 | $131 |
| Progressive | $1,581 | $132 |
| MMG | $1,725 | $144 |
| Allstate | $2,204 | $184 |
| State Farm | $2,249 | $187 |
| GEICO | $3,020 | $252 |
| Farmers | $3,363 | $280 |
| Maine average | $2,082 | $174 |
| National average | $3,305 | $275 |
Cheapest Car Insurance in Maine With Low Credit: USAA and Travelers
USAA and Travelers have the best average rates for Maine drivers with low credit, at $1,145 per year and $1,434 per year, respectively. Both rates are well below the state average of $2,234 annually. In Maine, having poor credit can raise your rates by an average of 80 percent, so it’s important to compare quotes from several companies to get the best rate.
| Provider | Annual rate with low credit | Monthly rate with low credit |
|---|---|---|
| USAA | $1,145 | $95 |
| Travelers | $1,434 | $120 |
| MMG | $1,651 | $138 |
| GEICO | $1,753 | $146 |
| Progressive | $2,254 | $188 |
| Allstate | $2,315 | $193 |
| State Farm | $3,840 | $320 |
| Farmers | $4,239 | $353 |
| Maine average | $2,234 | $186 |
| National average | $3,377 | $281 |
TIP:
In Maine, drivers with poor credit pay 71 percent more, on average, than drivers with good credit. To keep your auto insurance rates low, maintain a good credit record or improve your credit.
Best Claims and Customer Satisfaction in Maine: State Farm and USAA
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.
| Provider | New England Customer Satisfaction (J.D. Power)1 | Claims Satisfaction (J.D. Power)2 | CRASH Network Insurer Report Card grade3 |
|---|---|---|---|
| USAA | 741 | 726 | D+ |
| State Farm | 664 | 710 | C- |
| Allstate | 646 | 691 | D |
| GEICO | 638 | 692 | C- |
| Travelers | 623 | 684 | C |
| Progressive | 620 | 672 | C |
| Farmers | 600 | 706 | C- |
| MMG | N/A | N/A | N/A |
| Average | 637 | 697 | C+ |
How to Find the Cheapest Car Insurance Rates in Maine
- 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.
- 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.
- 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.
- 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.
Average Auto Insurance Cost in Maine by City
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.
| City | Annual full coverage | Monthly full coverage |
|---|---|---|
| Lewiston | $1,293 | $108 |
| Auburn | $1,272 | $106 |
| Bangor | $1,232 | $103 |
| Portland | $1,229 | $102 |
| South Portland | $1,182 | $99 |
| Maine average | $1,244 | $104 |
Minimum Car Insurance Requirements in Maine
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.
Frequently Asked Questions
Who has the cheapest car insurance in Maine?
USAA has the cheapest average car insurance rates in Maine, at $774 annually for full coverage and $293 annually for minimum coverage. For nonmilitary drivers who are not eligible for USAA, Travelers has the lowest average full coverage rate ($849 annually), and MMG has the lowest average minimum coverage rate ($378 annually).
How does age affect auto insurance rates?
Age can greatly affect auto insurance rates. This is especially the case for young drivers, since they present a higher risk to insurers. For example, the average annual premium for households with teens in Maine is $3,774, compared with an average of $1,244 per year for drivers in their 30s. Rates usually decrease as young drivers hit their 20s and continue to go down as long as the drivers keep a clean driving record. Rates may increase slightly again after age 70 as risk begins to increase again.
Which gender pays more for car insurance?
In most states, including Maine, insurers can use gender as a rating factor when determining insurance rates. This usually means that men pay more for insurance than women do, since men are more likely to be involved in a driving violation. The cost disparity is the largest between male and female teens.
Does your address affect car insurance?
Yes, your address — specifically, your ZIP code — affects your car insurance. This is because insurance providers consider the population density of your area, which can influence the risk of accidents, as well as factors like theft rates and the risk of natural disasters.
Methodology
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
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
2024 U.S. Auto Insurance Study. J.D. Power. (2024, Jun 11).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-study2024 U.S. Auto Claims Satisfaction Study. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-study2025 Insurer Report Card. CRASH Network. (2025).
https://www.crashnetwork.com/irc/Insurance Required by Law. Maine Bureau of Insurance. (2025).
https://www.maine.gov/pfr/insurance/consumers/auto-insurance/insurance-required-by-law
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