Key Takeaways
- Bristol West, National General and Progressive offer some of the cheapest car insurance in Maine.
- The average cost of minimum coverage in Maine is around $100 per month.
- Compare quotes from multiple insurers to find cheap car insurance in Maine.
You can find cheap car insurance in Maine from companies like Bristol West, National General and Progressive. These insurers are among the most affordable in the state, according to real quotes for Jerry customers.
Here are more cheap options for minimum and full coverage, plus by age, driving record and credit score.
Cheap minimum coverage in Maine
Here are the most affordable insurers in Maine for minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $109 | $1,305 |
| Bristol West | $111 | $1,328 |
| Progressive | $115 | $1,377 |
| Safeco | $156 | $1,869 |
Minimum coverage requirements in Maine
Drivers in Maine are legally required to carry these minimum car insurance limits:
- $50,000 in bodily injury liability per person.
- $100,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
- $50,000 in uninsured/underinsured motorist coverage per person.
- $100,000 in uninsured/underinsured motorist coverage per accident.
- $2,000 in medical payments coverage, or MedPay.
Drivers may purchase a combined single limit of $125,000 to satisfy Maine’s bodily injury and property damage liability requirements.
Cheap full coverage car insurance in Maine
Here are the most affordable insurers in Maine for full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $157 | $1,886 |
| Progressive | $158 | $1,898 |
| Bristol West | $253 | $3,031 |
| National General | $288 | $3,452 |
If you have a loan or lease on your vehicle, the lender will require
Cheap car insurance quotes in Maine by age
Your age plays a big part in how much you’ll pay for car insurance. Younger drivers typically pay more because they have less driving experience. But as drivers get older, their car insurance costs typically decrease.
Below are recent examples of real quotes for Jerry customers in Maine.
|
Age
|
Insurance Company
|
Monthly Quote
|
Full coverage?
|
Date of Policy
|
|---|---|---|---|---|
| 34 | Progressive | $357 | Yes | March 24, 2025 |
| 23 | Progressive | $218 | Yes | March 24, 2025 |
| 43 | Progressive | $127 | Yes | March 24, 2025 |
| 21 | Progressive | $188 | No | March 22, 2025 |
| 32 | Bristol West | $71 | No | March 22, 2025 |
| 23 | Progressive | $222 | Yes | March 22, 2025 |
| 24 | Progressive | $191 | No | March 20, 2025 |
| 39 | Progressive | $143 | Yes | March 19, 2025 |
| 23 | Progressive | $273 | No | March 19, 2025 |
| 23 | Progressive | $81 | Yes | March 19, 2025 |
Average car insurance costs for young drivers in Maine
Below are the average costs of car insurance in Maine for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $252 | $3,018 |
| 21-24 | $212 | $2,547 |
Average auto insurance costs for mature drivers in Maine (25-54)
Below are the average costs of car insurance for drivers in Maine between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $157 | $1,881 |
| 35-44 | $149 | $1,791 |
| 45-54 | $125 | $1,500 |
Cheapest full coverage in Maine for a 35-year-old
These are the cheapest car insurance companies in Maine for 35-year-olds with full coverage, according to Jerry’s data.
|
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|---|
| 35 | Honda Pilot | Bristol West | $154 | March 17, 2025 |
| 35 | Kia K5 | Safeco | $243 | February 12, 2025 |
| 35 | Toyota Camry | Progressive | $146 | January 29, 2025 |
| 35 | Kia Soul | Progressive | $173 | November 25, 2024 |
| 35 | Toyota Prius | Progressive | $67 | November 11, 2024 |
| 35 | Honda Civic | Progressive | $86 | April 4, 2024 |
Average car insurance costs for older drivers in Maine (55+)
Below are the average costs of car insurance for drivers in Maine 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $131 | $1,578 |
| 65+ | $101 | $1,210 |
Cheapest car insurance in Maine by driving history
Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket or at-fault accident.
Cheap car insurance for drivers with clean records in Maine
These are the cheapest car insurance companies in Maine for drivers with clean driving histories, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Trexis | $68 | $810 |
| Progressive | $119 | $1,422 |
| Bristol West | $147 | $1,764 |
| Safeco | $157 | $1,880 |
| National General | $163 | $1,957 |
Cheapest car insurance with a speeding ticket in Maine
These are the cheapest car insurance companies in Maine for drivers with a speeding ticket, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $174 | $2,092 |
| National General | $185 | $2,222 |
| Bristol West | $196 | $2,354 |
Cheapest car insurance after an at-fault accident with no injury in Maine
These are the cheapest car insurance companies in Maine for drivers with an at-fault accident with no injury, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $163 | $1,954 |
| Progressive | $194 | $2,326 |
| Bristol West | $202 | $2,426 |
| Embark General | $334 | $4,010 |
| National General | $413 | $4,951 |
Average auto insurance costs for Maine drivers with other violations
Below are average car insurance costs in Maine for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Driving on Sus. License | $107 | $1,278 |
| Other | $147 | $1,767 |
Cheapest auto insurance for low credit scores in Maine
Drivers in Maine with low credit scores typically pay more for car insurance than those with higher scores. These are the cheapest car insurance companies in Maine for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $141 | $1,693 |
| Safeco | $165 | $1,978 |
| Bristol West | $171 | $2,053 |
| National General | $234 | $2,805 |
Learn more: How a credit-based insurance score works
How to find cheap car insurance in Maine
Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.
You can also try these tips to lower your auto insurance costs:
- Ask your insurer about discounts you qualify for.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
- Bundle your home and car insurance policies with the same company.
More: Best car insurance companies
Factors that affect car insurance costs in Maine
How much you pay for coverage depends on a variety of factors, including your:
- ZIP code.
- Driving history.
- Vehicle’s year, make, and model.
- Claims history.
- Car usage and miles driven.
- Deductible amount.
More: How car insurance rates are calculated
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
