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The average cost of basic liability car insurance in Maine is $2,542 per year. Opting for full-coverage car insurance in Maine will leave you with an average cost of $1,607 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
Compare Best Car Insurance Quotes in Maine
Just as every driver is unique, as are all quotes! Each Jerry estimate is tailored to the driver requesting it, from their age and driving history to their location, credit score, and insurance history.
Finding the best auto insurance company in Maine, basically, is all about choosing the best company for you. While any of the top companies, such as GEICO, USAA, or State Farm, may offer competitive prices, your ideal policy may be available you with a smaller local insurance provider. Or, if you’ve got poor credit or a history of violations, you may find better rates with a provider that’s sympathetic to high-risk drivers, like Progressive.
Each insurance company uses a slightly different methodology to set your rates. Your age, driving record, the condition of your car, the number of insurance claims you've made in the past, and even your zip code can make a major difference in the quotes you're offered. Good credit or bad credit might also determine your annual premium.
No, it’s actually cheaper than the national average. Full coverage car insurance rates are low, but your individual driver profile has the most impact on your premium.
Is car insurance mandatory in Maine?
Yes—the state of Maine requires the following minimum required coverages for a car insurance policy:
- Bodily injury liability coverage: $50,000 per person and $100,000 per accident.
- Property damage liability coverage: $25,000 per accident.
- Uninsured motorist coverage: $50,000 per person and $100,000 per accident.
Is Maine a no fault state?
No—Maine is not a no fault state. Your insurance company will determine fault after an accident. It is the role of the law enforcement agency investigating the crash to establish factors that contributed to the crash.
How much is car insurance in Maine?
Though Maine’s minimum liability limits are generally high, it still has the cheapest auto insurance rates in the country. Let’s break down what exactly impacts car insurance rates in the state.
First of all, Maine's population density plays a major role in lowering car insurance prices. With only 1.3 million residents spread throughout the state, there are less drivers on the road—this generally means fewer accidents and fewer insurance claims.
Maine also has a number of remote and rural roads that have lower accident rates.
On the other end of the spectrum, inclement and severe weather in Maine can definitely hike up prices. During the winter months, severe snowfall mixed with high winds, freezing rain, or ice storms is common in Maine. Natural disasters such as floods, fires, earthquakes, tornadoes, and windstorms can all create hazardous driving conditions across the state.
Here’s a rundown of what you need to know about car insurance in Maine:
Maine requires $50,000 per person for bodily injury liability, $100,000 of bodily injury liability per accident, and $25,000 of property damage liability per accident. You will also be required to get uninsured/underinsured motorist bodily injury at $50,000 per person and $100,000 per accident, plus $2,000 for MedPay.
What do you need if you’re pulled over?
If you get pulled over, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV so you will always have your stored proof of insurance available 24/7 in the Jerry app.
Is Maine a no-fault state?
No, Maine is an at-fault state. This means the at-fault driver’s insurance will pay for the not-at-fault driver’s and passengers' injuries, once the at-fault driver’s insurance company accepts liability and confirms that there is enough coverage.
If you only purchase liability insurance, your policy will cover the costs of other drivers—but not your own—in an at-fault accident. Collision coverage, on the other hand, compensates you for damage caused by a collision with another motorist or stationary object. And comprehensive coverage covers anything else that may go wrong with your car, from natural disasters to vandalism to theft.
The combination of these two, on top of minimum liability insurance, is often called “full coverage” car insurance.
Take a look at the graph below to understand how much you’re paying for each:
Cheap car insurance with a DUI or speeding ticket in Maine
Insurance rates will spike if you get a driving violation on your record. 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. And we won't judge you for your driving record, either—we're just here to help you save!
Here’s just a sample of the savings that Jerry customers with spotty driving records have found:
Theoretically, you have some degree of control over (and improvement on) your driving record, which can help you lower your insurance rates. And though you can't change your age, it's unfortunately one of the most important variables insurance companies use to determine your premium.
Insurers value driving experience. The younger you are, the less experience you have, which will likely be reflected in higher insurance premiums. That's why you often see higher rates for any driver under 25 years old.
While you’re unlikely to enjoy the same low rates as your parents, it’s possible to keep costs down by applying for discounts, shopping around, and maintaining a clean driving record. Here’s how.
How can young drivers save money on car insurance in Maine?
Maine has a multi-stage licensing process for helping teen drivers gain experience gradually.
Once a teen driver has successfully held an intermediate license for at least 270 days, they become eligible for a full unrestricted adult license.
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. But that’s not always the case! For instance, Portland car insurance costs are below the state average and the national average.
Here’s a more specific breakdown of insurance prices for Jerry across Maine:
Drivers in Houlton will have the lowest premiums in the state, with average annual rates of $629.
City With Highest Rates of Accidents in Maine
10.36% of drivers in Portland have a prior accident on their record. Drivers in Portland can expect rates higher than other cities due to increased population and accident rates.
Cities With the Longest Commute Times in Maine
With an average commute of 41.7 minutes, Lake Arrowhead has the longest commute in Maine. Drivers in Lake-Arrowhead can expect higher-than-average rates—plus, you’ll be adding more miles to your vehicle.
Cost to insure your car in Maine
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 auto insurance coverage
Your car insurance prices are influenced by the type of car you own. And the pricier your car, the higher your insurance premium will probably be. Being involved in a car accident driving a Mercedes-Benz S 500, for example, will have a much larger impact on your insurance than if you totaled your used Toyota Camry.
Do you need more than the minimum car insurance in Maine?
The majority of states have a bare minimum of insurance requirements before you can get behind the wheel. The state of Maine requires all drivers to purchase some amount of liability insurance, uninsured motorist coverage, and medical payments coverage (MedPay).
While minimum insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the basic requirements and consider full-coverage insurance policies.
Full-coverage insurance costs more up front, but it might save you money in the event of a costly accident. Full-coverage car insurance policies generally add the following:
Uninsured/underinsured motorist coverage, which is helpful if you're involved in a collision with one of Maine’s relatively few uninsured motorists
Collision coverage for when you're involved in any type of collision, even one with an animal or a stationary object
Comprehensive coverage, which covers you if your vehicle has been stolen, damaged by extreme weather, or vandalized
If you didn't have the extra insurance, you'd be on the hook for any damages incurred as a result of the aforementioned circumstances.
Considering these risk factors, here are some additional coverages that would serve drivers in Maine well:
Liability insurance won’t protect you if you are at-fault in an accident. Even if you don’t think your stellar driving skills could be the cause of an accident, it’s a good idea to get collision coverage to help cover car repairs when you’re in a collision.
But what about damages that don’t occur from an accident? That’s where comprehensive coverage comes in. Comprehensive will cover your vehicle from hazardous weather, theft and vandalism, and even deer collisions.
Uninsured/underinsured motorist coverage is required in Maine, so you’ll want to make sure you have all of the necessary insurance. Plus, you can rest easy knowing that you’re covered from uninsured drivers.
Maine residents rate their roads a low 4.7/10, which means Maine drivers are likely to experience terrible road conditions while driving. Don’t let that annoying pothole give you a flat and leave you stranded—get roadside assistance for towing, flat tire services, and more.
How to save money on car insurance in Maine
While keeping track of your auto insurance renewals might be time-consuming, you don't have to handle it all 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 here 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 discounts that are offered by providers.
Here are some of the most common car insurance discounts in Maine:
Defensive Driving Discount
Car insurance companies in Maine are obligated to give a discount to drivers ages 55 and higher who take a defensive driving course approved by the state of Maine.
Clean Driving Record Discounts
Drivers with clean records are easily eligible for discounted insurance. If you have zero infractions on your driving record, expect cheaper insurance.
Drivers with multiple cars on the same policy are eligible for a discount. Bundling your auto with home or renters insurance will give you further discounts.
Safety Rating and Anti-theft Discounts
Vehicles with high safety rating and anti-theft technology are less likely to harm passengers.
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.