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.
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:
Additional coverages you might want to consider when shopping for car insurance in Maine
Coverage to consider
Nebraska 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.
Comprehensive 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.
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.
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.
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.
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:
Who is eligible?
Paperless billing and automatic payments
Enroll in paperless billing and you could qualify for a discount between 2 and 25%.
Bundling your policies
Get your car and home policies from the same company and you could enjoy a reduced premium.
In 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 discounts
Older 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 discount
Have 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:
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:
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.
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.