Cheapest Insurance in Maine 2021

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  • Find cheapest car insurance Maine
  • Best insurance companies
  • Minimum coverage
  • Additional coverage
  • Minimum coverage carriers
  • Full coverage
  • Full coverage carriers
  • Cost by age
  • Poor driving record insurance
  • Carriers for poor driving record
  • Young drivers poor driving record insurance
  • Young drivers carriers for poor driving record
  • Discounts
  • Cost by car make
  • Cost by city
  • Lower costs
  • Methodology
Bursting with rugged backcountry adventures and charming metropolitan centers, the Pine Tree State is attractive to both old and young families alike.
Both rural and urban drivers will be pleased to know Maine holds the #1 spot for the most affordable car insurance in the entire United States.
But that doesn’t mean Maine drivers should forget shopping around!
The best way to get cheap car insurance is to compare quotes and carriers. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another, even within the same state.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Maine. If you want to learn more about Maine’s car insurance rates, then read on.
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Find the cheapest car insurance in Maine with Jerry

Using Jerry is the easiest (and fastest!) way to get multiple quotes to find the most affordable car insurance rates.
Here’s how much Jerry customers were paying for car insurance in Maine before they compared quotes and switched plans with Jerry:

Best insurance companies for cheap insurance in Maine with Jerry

Insurance Company
Before Jerry
After Jerry
Allstate$1,560$933
Safeco$1,661$960
Kemper
$2,048$1,171
Nationwide$1,847$1,245
Progressive$2,558$1,398

Cheapest minimum coverage car insurance in Maine

In Maine, people who purchase car insurance are required to get the following minimum coverages:
  • $[50,000] bodily injury liability per person
  • $[100,000] bodily injury liability per accident
  • $[25,000] property damage liability per accident
It’s illegal to have a car insurance policy in Maine that does not meet these required minimums. If you get caught, you could be subject to license suspension, fines, and vehicle impoundment.
Remember, the minimum insurance coverage is a requirement, not a recommendation. It’s illegal to drive without the coverage described above!
Be aware that, in some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
First, let’s go over how much Jerry users pay for minimum liability car insurance in Maine:
Before Jerry
After Jerry
$2,898$1,330
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Additional coverages you might want to consider when shopping for car insurance in Maine

Risk factorCoverage to consider
Roadside assistanceNebraska is home to plenty of rural roads, meaning you’re more likely to break down far away from home. Roadside assistance will cover your towing and other expenses associated with a breakdown.
Severe weatherComprehensive insurance covers damage to your vehicle that happens as a result of these types of severe weather events.
Maine is one of the most affordable places to drive, but it does present unique risks due to its rural status and inclement weather. Before purchasing car insurance, make sure you consider additional coverage (like Medpay) to protect you and your passengers from unexpected costs.

Best carriers for minimum coverage car insurance in Maine

Driving without insurance in Maine comes with some big penalties. If you’re caught, you’ll be subject to fines, suspension of your license and registration, and even potential imprisonment.
Comparing rates with different insurance companies can help you find the most affordable rates so that you don’t have to go without.
Insurance Company
Before Jerry
After Jerry
Progressive$2,898$1,330

Cheapest full coverage car insurance in Maine

Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing less in the long run).
Full coverage car insurance is a smart choice for drivers who want to protect their financial security in the face of risk.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$1,986$1,317
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Best carriers for full coverage car insurance in Maine

The best insurance company for you is the one that can provide you with the coverage you need at an affordable price.
So, while some companies certainly stand out within the state of Maine, the right company for you will depend on your unique driving profile and the types of coverage you need.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Maine:
Insurance Company
Before Jerry
After Jerry
Travelers$1,104$948
Progressive$2,771$1,645
While minimum coverage is enough to let you drive legally in Maine, full coverage—which includes comprehensive and collision insurance—offers stronger protection and can provide peace of mind. Choose a company that offers the protection you need and service you can rely on.

Cost to insure your car in Maine by age

Insurers value driving experience. The younger you are, the less experience you have, which will likely be reflected in higher insurance premiums.
Maine has a multi-stage licensing process for helping young drivers gain experience gradually. Once a teen has successfully held an intermediate license for at least 270 days, they become eligible for a full unrestricted adult license.
This is a great strategy for keeping teens safe on the road, however, young drivers will still pay higher premiums.
While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record. No matter your age—whether you live in rural Maine or move to a city—start by quote shopping with Jerry.
Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
18-20$2,664$1,560
21-24$2,476$1,524
25-34$2,057$1,160
35-44$2,103$1,219
45-54$1,680$756
55-64$1,454$1,076
65+$1,380$968
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Cost of insurance for drivers in Maine with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates. In Maine, insurance companies can access all your traffic offenses within the last 10 years. If you commit another violation within that period, it will be considered a second offense and you’ll be hit with even more serious penalties.
For very serious offenses, Maine drivers may be looking at an even longer waiting period.
But there’s good news! Jerry can help Maine drivers find great car insurance even with a blemish on their driving record.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,102$1,312
Speeding over 15$2,670$1,556
Speeding under 15$2,236$1,632
Wrong Way/Wrong Lane$2,724$2,664
Other$1,788$1,288

Best carriers for drivers with infractions in Maine

Insurance Company
Before Jerry
After Jerry
Nationwide$2,090$1,396
Travelers$2,004$1,427
Progressive$2,746$1,465
Kemper
$2,321$1,639
The price you pay for car insurance is influenced by your age and your driving record. Safe drivers typically get lower rates, but it’s still possible to find affordable insurance in Maine if you have a traffic violation on your record.
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Cost of insurance for young drivers in Maine with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Fortunately, Jerry can help young Maine drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,556$1,584
Speeding over 15$3,000$1,626
Speeding under 15$2,658$1,912
Wrong Way/Wrong Lane$2,724$2,664
Other$2,130$2,004
If you’re looking for the most affordable insurance for a young driver with a poor driving record in Maine, check out these top carriers.

Best carriers for young drivers with infractions in Maine

Insurance Company
Before Jerry
After Jerry
Travelers$2,008$1,531
Progressive$2,972$1,703
Nationwide$3,046$1,872
Young drivers are considered high risk by insurance companies. A moving violation increases this perception.
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Types of discounts that might be available to you in Maine

Never underestimate a good discount. If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Maine. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
Some of the most common car insurance discounts in Maine include:
Discount typeWho is eligible?
Paperless billing and automatic paymentsEnroll in paperless billing and you could qualify for a discount between 2 and 25%.
Bundling your policiesGet your car and home policies from the same company and you could enjoy a reduced premium.
Telematics discountsIn exchange for installing a free telematics device in your vehicle, you could get a discount on your premium. The device passively tracks your driving behavior and allows the company to reward you for safe driving.
Driver education discountsOlder Maine drivers who refresh their driving knowledge can get a 5-10% discount on their premium. Ask your insurance company about approved courses. Usually, it’s as simple as taking an online course.
Safe driver discountHave you been accident-free for several years? Maine drivers with a good record can usually get a “safe driver” discount. If you’ve never had a crash or a speeding ticket, ask about this discount. You may have to wait six months to prove that you’re a safe driver.
So, how do you know which discounts you can actually benefit from?
Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium—often, more than one!—but you may need to ask your insurance company which ones you qualify for.

How much does it cost to insure my car make in Maine?

If you drive a relatively inexpensive vehicle, you can generally expect to pay lower insurance premiums. It costs less to repair or replace a common model than a rare and expensive vehicle.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident. Usage-based car insurance policies reward these drivers with discounts.
Here’s what Maine drivers can expect to pay to insure some popular car makes/models with and without Jerry:
Make / model
Before Jerry
After Jerry
Audi A3 S-Line Premium$1,680$768
BMW 328 XI Sulev$2,928$2,016
Buick Regal GS$2,016$936
Chevrolet Impala LT$3,216$2,124
GMC Sierra K1500 SLE$2,266$1,260
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Cheapest car insurance in Maine by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Generally, areas with lower population density tend to have lower insurance rates. This can help bring down the monthly payment for rural Maine drivers. While urban dwellers will pay slightly more.
Here are the top 10 cheapest cities for car insurance in Maine:

Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.
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Frequently asked questions

Jerry's services are 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute.
Jerry currently shops for car, home, renters, and umbrella insurance.
Jerry shops with up to 45 insurance companies. These include Progressive, Nationwide, Travelers, Mapfre, National General, Mercury, AAA and others. If you want Jerry to shop at any specific companies, just let him know. You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).
No. Jerry does not mark up the price. The quotes we send to you are the same as those you’d get if you’d shopped yourself.
Absolutely not. Jerry takes your privacy very seriously. Jerry doesn’t even ask you for your email until you’re ready to switch your insurance to a new company. Jerry does not sell or share your contact information with any external companies. You will not be getting any phone calls or emails. All the communication happens through the mobile app. If you need help, you can request a call from one of our in-house licensed agents, but we don’t call to sell you insurance.
No, you don’t need to wait until you receive a renewal notice from your current provider. You can switch insurance policies anytime. By law, insurance companies must return any unused premium you have already paid for your policy. A few insurance companies may charge a small cancellation fee if you cancel before the end of the policy. Jerry will let you know the cancellation fee before you decide to switch the policy.
Yes, Jerry Insurance Agency (license number 0M34848) is a licensed insurance broker, registered in the state of California. Jerry carries a $1m professional liability policy for your peace of mind.
1. Jerry provides quotes from up to 45 insurance companies. Most online price comparison sites (and your local agent) will only provide quotes from a few insurance companies (usually the top 5 or 6 companies, and a handful of smaller brands) with whom they have contracts. You’re more likely to save money with Jerry because we work with top insurance companies.
2. Jerry’s mobile app makes managing your insurance policy a breeze. You can ask questions, upload documents, request changes, and much more. No more phone calls or emails back and forth.
3. With Jerry, you never have to think about insurance shopping again. Jerry will automatically shop you before your renewal date and send you quotes through the mobile app.
Absolutely not. Jerry will not make any changes to either your existing or your new policy without your approval. Jerry will shop for you before your policy renewal date and show you all your options in the app — it’s up to you to decide if you want to change your policy or not. If you ask Jerry to move forward with a quote you like, only then Jerry will do the paperwork to switch your policy.
No. Frequent shopping for car insurance quotes does not have an impact on your credit score or the cost of your insurance. In the state of California, a credit check is not required for getting quotes. In other states, insurance companies may run a credit check but it’s a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, no matter how many quotes are obtained.
You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).

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