Average Cost of Car Insurance in Maine

By Coverage Level

Maine has minimum insurance requirements, but the more coverage you choose, the higher your premium will be. A full coverage policy (including liability, collision, and comprehensive coverage) will run you around $1,526 on average in Maine.

By Company

The company you choose can make a big difference in your premium. Our research shows that the insurers offering the best auto insurance in Maine include GEICO and USAA. Meanwhile, Travelers and USAA have the cheapest premiums. Here’s how rates compare across major companies:

By City

Where you live in Maine can significantly affect your car insurance premium. Larger cities tend to have higher rates due to traffic density and higher risk of accidents. Here’s a breakdown of average rates by city:

By Age

As in most states, younger drivers in Maine face higher premiums due to their lack of driving experience. The cost of auto insurance for teens can be pretty steep — in general, it’s cheaper to add a teen to a household policy than buy them a separate policy. Here’s the average cost of insurance by age group:

By Violation

Your driving history can significantly impact your premiums. Safe drivers with clean records generally enjoy the lowest rates. But a speeding ticket, accident, or DUI can cause your rates to spike. In Maine, a DUI can add upwards of $1,000 to your annual premium.

By Credit Score

In Maine, as in most states, your credit score can impact your auto insurance premium. Drivers with poor credit pay an average of 95 percent more than those with excellent credit, so maintaining good credit can help you get more affordable auto insurance rates.

To help you find the best deal, here’s a list of the cheapest auto insurers in Maine for different categories:

*After USAA

There are several ways to lower your auto insurance premiums in Maine, aside from just shopping around for the best deal:

• Look for discounts: Many insurance providers offer discounts for bundling policies, safe driving, and more.
• Raise your deductible: By agreeing to pay a higher deductible in the event of an accident, you can lower your premium.
• Adjust your coverage: Consider lowering coverage limits or dropping non-essential coverage that’s not required by law.
• Maintain good credit: Insurance providers often offer better rates to drivers with a strong credit history.

The minimum auto insurance required by law in Maine is as follows:

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

A combined single limit of $125,000, which covers both bodily injury and property damage liability, satisfies Maine’s insurance requirement and keeps you road legal. However, we recommend getting as much coverage as you can afford to avoid paying out of pocket after an accident.

Maine is one of the few at-fault states to require medical payments coverage, which helps cover medical expenses incurred by you or your passengers. If possible, we recommend increasing your limits on this coverage as well.

Uninsured/underinsured motorist coverage protects you and your passengers if the other driver responsible for an accident has no insurance or their limits are inadequate. Maine law states that your uninsured/underinsured motorist coverage must equal your liability limit if higher than the minimum unless you reject the higher limit in writing.

Maine is an at-fault insurance state, meaning the driver who causes the accident must pay for accident-related bills. The accident report and evidence collected at the scene determine fault, but Maine law allows comparative negligence. That means if you are less than 50 percent responsible, you can receive accident-related compensation, minus the percentage of your responsibility.

Maine does require an SR-22 in certain circumstances, typically after a DUI or license suspension.

An SR-22 is a certificate that proves you meet the legal requirements for insurance if you are a high-risk driver, i.e., someone who got caught driving recklessly without insurance.

Maine remains one of the more affordable states for car insurance, but how much you pay will depend on your individual circumstances. Factors like age, credit score, driving history, and the level of coverage you choose will all influence your premium. To get the best deal, shop around and explore any available discounts.

We analyze average premiums in Maine for full and minimum coverage for good drivers with good credit as well as various driver profiles, including those with DUIs, at-fault accidents, speeding tickets, low credit and households with teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $100,000 per accident
• Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible