Car Insurance in Maine

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Looking for cheap car insurance in Maine?

Car insurance rates in Maine are, on average, the cheapest in the nation—but high minimum liability limits and other factors can raise costs. If you’re looking for affordable car insurance in Maine, Jerry is there to help out.
The Pine Tree State offers no shortage of urban and rural adventures to be had, and drivers will want to be sure to have enough coverage to keep them protected.
Despite relatively high minimum liability limits, Maine still holds the top spot for most affordable car insurance in the country. But if you don’t shop around, you could still end up paying more than you have to. Different providers use different formulas to calculate their rates, but Jerry takes the hassle out of insurance shopping and helps you save.
Jerry is an insurance shopping app that takes the guesswork out of buying car insurance by providing you with a list of quotes from top providers in under a minute.
Once you choose your new provider, Jerry takes care of the rest—canceling your old policy, switching you over, and setting up your renewals. Jerry saves its users hundreds of dollars annually—and did we mention that it’s free to use?
Here are some real quotes (and real savings!) from customers in Maine who used Jerry:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
February 22, 2021Chevrolet Trailblazer LSMilo43Safeco$88/mo.$61/mo.
March 31, 2021Toyota Camry CEPortland36Progressive$294/mo.$73/mo.
February 9, 2021Buick Regal GSLewiston40Travelers$168/mo.$75/mo.
September 26, 2021Toyota RAV4Scarborough20Progressive$138/mo.$86/mo.
May 9, 2021Ford Fiesta STLewiston20Progressive$266/mo.$137/mo.
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How much does car insurance cost in Maine?

The average cost of liability-only car insurance in Maine is $1,309 per year. If you prefer to buy full coverage car insurance in Maine, you can expect to pay an average cost of $1,274 per year.

How does the annual cost in Maine compare to the rest of the country?

When comparing these figures to the nationwide averages, it costs $1,764 per year to buy liability-only car insurance and $2,486 per year to buy full-coverage car insurance.
Though Maine’s minimum liability limits are generally high, it still has the cheapest car insurance rates in the country.
The following are some factors that influence Maine car insurance rates:
  • Severe weather: Maine has inclement weather and particularly cold, snowy winters that can drive up the cost of car insurance.
  • Rural roads: Maine has a number of remote and rural roads that make for riskier driving.
Here’s how Maine’s insurance savings stack up against nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
ME$1,485$1,105----
National Average$2,491$1,672$2,359$1,390$2,763$1,962
MENational Average
All Coverage Before Jerry
$1,485$2,491
All Coverage After Jerry
$1,105$1,672
Minimum Coverage Before Jerry
-$2,359
Minimum Coverage After Jerry
-$1,390
Full Coverage Before Jerry
-$2,763
Full Coverage After Jerry
-$1,962
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Top auto insurance providers in Maine

Numerous auto insurance companies in Maine offer reliable coverage and great customer service, including top providers such as Progressive, Travelers, and Allstate.
Finding the best provider for you will depend on your individual circumstances, and you’ll probably find yourself with different quotes from every insurance company you go to, even for the exact same coverage.
Factors that can impact your rate include age, driving record, and location.
The vehicle you drive also plays a role. If you drive a Tesla Model S, for example, your full-coverage premium will almost always be more than it would for a Honda Cr-V.
Jerry customers have scored some amazing deals with popular carriers in Maine. Check out the savings:
Insurance Company
Average Cost
Annual Savings with Jerry
Kemper$2,580$1,422Compare Prices
Allstate$1,842$628Compare Prices
Travelers$1,869$560Compare Prices
Nationwide$1,574$488Compare Prices
Safeco$1,538$445Compare Prices
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What car insurance do you need in Maine?

Every state has minimum insurance requirements that must be met before drivers can legally hit the road. In Maine, you need at least the following:
CoverageAmountDescription
Bodily injury liability$50,000 per person / $100,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$25,000 per accidentCovers the costs associated with damage you cause to other people’s vehicles or property
Uninsured/underinsured motorist bodily injury$50,000 per person / $100,000 per accidentReimburses you for your expenses stemming from an accident caused by an uninsured driver
MedPay$2,000Covers the medical costs for you and your passengers if you’re injured in a car accident, even if you’re the at-fault driver.
If you let your coverage lapse, or if you fail to buy car insurance altogether, and you get caught, potential consequences include:
  • An expensive ticket.
  • A driver’s license suspension.
  • A towed and impounded car.
  • A lack of financial protection if you get into an accident.
While you may think having the minimum required liability coverage in Maine is sufficient, there’s no guarantee that it will cover all the expenses of an accident. If you can afford to buy more coverage, then you should.
The following are some beneficial coverages worth considering:
| Collision insurance | Covers damages that are the result of a collision with a vehicle or stationary object | | Comprehensive insurance | Covers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster | | Roadside assistance | Provides protection against some of the expenses and hassles associated with car breakdowns, such as towing and labor charges. |
No matter what kind of coverage you’re looking for, Jerry can help you save money on your auto insurance.
Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even cancel your old policy for you. And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal.
With Jerry, the average customer saves $879 per year on their car insurance!
Now that you know what type of insurance you’ll need in Maine, let’s look at what might impact costs.

How is your cost of car insurance determined in Maine?

There are a number of factors contributing to the final cost of your car insurance premium—ranging from age, driving record, zip code, to the type of vehicle you drive.

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.
What young drivers in Maine need to know
  • 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.
  • If student drivers have a good average, they may qualify for a good student discount.
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
Average Cost
Annual Savings with Jerry
18-20$2,566$1,047
21-24$2,450$1,033
25-34$2,153$1,067
35-44$2,012$772
45-54$1,957$737
55-64$1,776$540
65+$1,380$412
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Cost to insure your car in Maine with a poor 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.
Here are some savings that can be especially helpful for customers with poor driving records:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,017$745
Speeding over 15$2,808$1,211
Speeding under 15$2,489$983
Failure to Obey Traffic Sign$996$252
Other$2,328$246
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Cost to insure your car in Maine based on where you live

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:
City
Average Cost
Annual Savings with Jerry
Bath
$1,776$692
Biddeford
$2,021$670
Lewiston$2,519$1,057
Milo$1,056$318
Oakland$1,116$324
Portland$2,564$1,227
Scarborough$1,656$496
Westbrook
$1,765$786

Cost to insure your car in Maine based on the type of car you drive

The type of vehicle you drive impacts your car insurance premiums. Whether you’re driving the most popular car in the state, the Ford F-150, or your used Toyota Camry, it’s still possible to find affordable insurance rates.
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.
Driving an expensive model, such as a Mercedes-Benz S 500, can lead to higher rates.
Here’s what Maine drivers can expect to pay to insure some popular car makes/models with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Toyota 4Runner SR5$1,776$1,077
Subaru Crosstrek Premium$2,206$990
Nissan Sentra S$2,064$750
Chevrolet Silverado K1500 LT$1,920$579
Ford Escape SE$1,836$578

How to save money on car insurance in Maine:

It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations—but you don’t have to do all the work yourself!

Shop around for quotes

The best way to find savings on your insurance is by comparison shopping. But this can lead to hours wasted on making phone calls, filling out long forms, and sorting through policies.
If you’re hesitant to switch plans or insurance providers because you’re worried about the work involved, don’t be. Jerry is there to do all the work for you.
A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy. You’ll never have to print anything, go to the post office, or talk on the phone.
And at each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.

Look for discounts

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 offered by providers.
Here are some of the most common car insurance discounts in Maine:

Increase your deductible

By increasing your deductible—the amount you pay for a claim before your insurance kicks in—your premium may end up decreasing.
Be sure to inquire about raising your deductible beforehand to ensure you can afford to pay it in full whenever you have to make a claim.

Registering your car in Maine

If you want to register a car in Maine, you need to have the following paperwork prepared:
  • A driver’s license or ID card
  • Proof of insurance
  • Proof of sales tax payment
  • Car title or signed lease agreement
  • Proof of a safety inspection
  • Smog test certificate, depending on the age of the vehicle
Once you have the paperwork, head to the DMV. It’s usually best to make an appointment first. At the DMV, you’ll have to fill out a registration form that asks for some personal details as well as information about your vehicle.
You’re required to renew your vehicle regression annually in Maine.

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