Compare Cheap Auto Insurance in Maine

Travelers offers the cheapest average full coverage auto insurance in Maine at $915 per year – 40 percent less than the state average. USAA has the next lowest rates at $926 per year, but it is restricted to military members, veterans and their families.

USAA also offers the lowest average rate for minimum coverage, at $306 annually — 39 percent cheaper than the state average. For nonmilitary drivers, MMG has the best rates. Its average annual premium of $413 is 18 percent below the state average.

Travelers has the cheapest rates for households looking for teen auto insurance in Maine. The insurer’s annual average premium of $2,705 for households with teen drivers is well below the $4,801 Maine average. USAA (for those eligible) also offers competitive rates for teens.

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 GEICO. The companies’ average rates of $1,055 per year and $1,181 per year, respectively, are both well below the state average of $1,659.

Travelers has the best average rate for drivers with an at-fault accident in Maine, at $1,281 per year. USAA (for military-affiliated drivers) and MMG also offer low average rates at $1,392 per year and $1,721 per year, respectively.

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 $1,432 per year. That’s 44 percent below the state average of $2,536 per year. Progressive and USAA also have affordable rates for drivers with DUIs.

USAA and Travelers have the best average rates for Maine drivers with low credit, at $1,451 per year and $1,492 per year, respectively. Both rates are well below the state average of $3,144 annually. In Maine, having poor credit can more than double your rates, so it’s important to compare quotes from several companies to get the best rate.

Allstate is one of the more expensive options 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 $1,668 per year, which is slightly above the state average. Meanwhile, South Portland has a slightly lower average rate of $1,512 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: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible