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Cheapest Car Insurance in Maine (Nov 2024)
Cheapest Car Insurance in Maine (Nov 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Maine.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance quotes in Maine
- Cheapest car insurance companies in Maine
- Maine Car Insurance Coverage Requirements
- Maine Car Insurance Rating Factors
- How Do Different Factors Impact Your Car Insurance Costs in Maine?
- Car Insurance for High-Risk Maine Drivers
- Car Insurance for Maine Drivers With DUI
- Car Insurance for Maine Drivers With a Coverage Lapse
- Car Insurance for Maine Drivers With a Low Credit Score
- Maine Car Insurance Cost by Age
- Maine Car Insurance by Car
- Is it cheaper to insure a new car or a used car?
- Maine Insurance Cost by Zip Code
- How to lower the cost of car insurance in Maine
- FAQs
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance quotes in Maine
Shopping for auto insurance
in Maine can feel like a never-ending battle between high prices and coverage compromises. And if that isn’t enough, no single insurance provider will offer the best price for every driver in Maine, so comparing insurance quotes
before you commit is a must to save your wallet. As the nation’s leading independent broker,
Jerry
finds and compares rates from the top providers to help you find the coverage you need at a price you can afford. | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Progressive | $134 | Russell, 32 | Infiniti Q60 RED Sport 400 | • State Minimum Liability • Comp / Collision |
| Allstate | $172 | Gussie, 40 | Ford Fusion SE | • State Minimum Liability • Comp / Collision |
| Safeco | $81 | Jared, 36 | Chevrolet Camaro LT | • 100,000/300,000 Liability • Comp / Collision |
| Nationwide | $99 | Isabella, 32 | Mazda 5 | • State Minimum Liability • Comp / Collision |
| Bristol West | $251 | Nannie, 22 | GMC Terrain SLE | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheapest car insurance companies in Maine
Jerry conducted the largest insurance shopping survey in the country to help you sift through the endless array of insurance companies looking to take your money.
We asked more than 15,000 policyholders nationwide to rate their insurance providers on cost, customer service, ease of shopping and renewal, and claims handling. Here’s what we found.
Progressive
, State Farm
, Liberty Mutual, and Allstate
dominate the insurance market in Maine, according to the Maine Bureau of Insurance. But in our survey, only Farmers received top marks across the board. Policyholders also gave Liberty Mutual and The General 5/5 ratings for policy price.But here’s the thing—no single insurance provider will offer the best rate for every driver profile, so you’ll want to shop around and compare what each has to offer before making your decision.
Here’s what the survey respondents had to say about the best auto insurance companies in Maine to help you along:
| Insurance company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Root | November 19, 2024 | 5 | "Great experience from beginning to end. " -Ralph |
| Anchor General | November 18, 2024 | 5 | "Yes I love it so much I’m happy I found yall " -Lloyd |
| Progressive | November 16, 2024 | 3 | "Too expensive, poor communication " -Jack |
| State Farm | November 15, 2024 | 5 | "I have no problems paying every month from phone and the benefits are good." -Mark |
| Progressive | November 15, 2024 | 3 | "I switched from this to root a local car insurance and save way more money " -Glenn |
Last Updated Nov 19, 2024
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
As evidenced by the survey, there are a lot of factors to consider when choosing an insurance provider—that’s why we choose Jerry! Jerry is a
trusted insurance broker
that allows you to find and compare insurance policy quotes
from top insurers from the convenience of your smartphone. It’s a simple, user-friendly app that finds you the best cheap car insurance and the biggest savings with a few clicks. Best of all, Jerry’s team of 100+ licensed insurance agents is there to help you through the entire process.
Minimum car insurance requirements for liability and full coverage in Maine
Anyone owning or operating a motor vehicle in Maine must carry the
minimum coverage insurance required by law
. In Maine, drivers must have liability insurance, medical payments coverage (MedPay), and uninsured motorist coverage (UM/UIM). In addition to the state-mandated requirements, drivers can purchase collision and comprehensive insurance—but it’s not mandatory.
Cheapest minimum liability coverage in Maine
If you’re purchasing insurance in Maine, you’ll need liability limits that meet the 50/100/25 requirements. That means you must have at least the following:
- $100,000 of bodily injury liability coverage per accident
- $2,000 per person inmedical payments (MedPay) coverage
- $100,000 uninsured motorist coverage per accident
Having these coverages means that if you’re involved in an at-accident and the other party is injured or their vehicle is damaged, your insurance will cover their expenses up to your policy limits.
Do you need more than the minimum liability insurance coverage in Maine?
The minimum required insurance limits are a starting point for Maine drivers—but they may not offer adequate protection.
Remember, liability insurance covers damages and medical bills that result from an at-fault crash. The average hospital stay after a car accident is almost $60,000, and the average new car is worth between $39,755 to $69,960.
Based on that, a single accident could rack up to more than $100,000! And because
Maine’s car accident laws
allow drivers to file personal injury lawsuits for up to six years after an accident, your liability extends well beyond when the incident happened. 
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Cheapest full coverage Maine auto insurance quotes
One of the major drawbacks of liability-only coverage is that it protects the other party’s vehicle—not yours. If you want to ensure your vehicle is covered in the event of an accident, you’ll have to purchase
full-coverage car insurance
.A full coverage policy generally includes liability insurance,
collision coverage
, and comprehensive coverage
.- Collision coverage pays for physical damage to your vehicle due to a collision with another car or station object, such as a tree or a stop sign. Investing in collision coverage isn’t generally needed for older cars worth less than $2,000 because you’ll pay more in premium than your car is worth.
- Comprehensive coverage pays for damage to your car from all non-collision-related incidents, such as theft, vandalism, fire, severe weather, floods, and animal damage. A comprehensive policy will also cover broken glass.
Remember that collision and comprehensive insurance are subject to a deductible; the higher your deductible, the lower your payments will be, and vice versa.
While full-coverage insurance isn’t required under Maine’s insurance laws, your lender will require collision and comprehensive insurance until your lease is up or your loan is paid off.
Investing in a full coverage insurance policy costs more than basic liability, but Jerry can help you find the cheapest rates.
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $155 | Mathilda, 28 Winslow, ME | RAM 1500 BIG Horn |
• 100,000/300,000 Liability • Comp / Collision | Safeco | $190 | Johnny, 21 Acton, ME | Honda Civic LX |
• State Minimum Liability • Comp / Collision | Nationwide | $99 | Isabella, 32 | Mazda 5 |
• 100,000/300,000 Liability • Comp / Collision | State Auto | $133 | Edwin, 25 Skowhegan, ME | Ford Focus SE |
• State Minimum Liability • Comp / Collision | National General | $187 | Dominic, 44 New Gloucester, ME | GMC Sierra C1500 SL |
Last Updated Nov 20, 2024Average rates for minimum liability coverage and full coverage car insurance in Maine
A full coverage car insurance policy costs Maine drivers an average of $1,910 per year or $159 per month. For drivers who choose to stick with only minimum liability, car insurance costs an average of $1,372 per year or $114 per month.
Looking at
car insurance averages
is a quick way to estimate how much you can expect to pay for insurance, but estimates are just that—they won’t always give you the best indication of how much you will pay. Every driver is different and because so many variables affect insurance rates, your premium could be above or below the state average.
Other types of Maine auto insurance
Most drivers choose to purchase liability, collision, and comprehensive coverage, but it doesn’t stop there. Many additional coverages are available that can further protect you:
- Gap insurance: Covers the difference between the current value of your car and the balance of your loan or lease. If your vehicle is totaled or stolen before you’ve paid off the loan, gap insurance covers the difference between the insurance payout and the loan amount owed on the car.
- Personal injury protection (PIP): Covers healthcare expenses, lost wages, and funeral benefits for you and your passengers after an accident.
- Non-owner car insurance: Provides liability coverage from vehicle to vehicle, regardless of who the owner is.
- Towing and labor coverage: Also called roadside assistance, this coverage helps pay for roadside services, such as towing, battery jumps, and lockout help.
None of these coverages are mandatory, but most drivers choose to purchase at least some of them to increase physical and financial protection. Best of all, add-on coverages don’t have a significant amount to your premium, giving you the best bang for your buck.
How Do Different Factors Impact Your Car Insurance Costs in Maine?
How Do Different Factors Impact Your Car Insurance Costs in Maine?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Maine currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Maine:
How to find cheap Maine car insurance if you’re a high-risk driver
A speeding ticket for surpassing the posted limit might cause a slight increase in your insurance premium, but a slew of moving violations can do a number of your payments and earn you the “high-risk” label.
As a high-risk driver, some insurance providers won’t offer you insurance while others will—but at a premium price.
Here’s how to navigate car insurance shopping if your Maine driving record is soiled.
Cheapest car insurance for Maine drivers with a speeding ticket
Maine speeding tickets
fall into four categories, and the fine you pay depends on how fast you were driving over the posted limit: - 1-9 mph over speed limit: $114 fine
- 10-14 mph over speed limit: $129 fine
- 15-19 mph over speed limit: $170 fine
- 20-24 mph over speed limit: $230 fine
- 25-29 mph over speed limit: $278 fine
If you’re caught going 30 mph or more over the posted speed limit, you’re nailed with a class E crime that comes with up to six months in jail, a maximum of $1,000 in fines, and immediate
license suspension
.Although a minor speeding ticket might not seem like a big deal, Maine drivers see up to 20% increases for speeding ticket convictions—and rates stay high for five years. But even with a ticket, it’s still possible to find savings.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 11-15 | Bristol West | $126 | Ethel, 25 | • 25,000/50,000 Liability |
Last Updated Nov 22, 2024Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
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Easy and fast!
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How to find cheap Maine auto insurance after a DUI
A DUI on your driving record is never ideal, and under
Maine’s DUI laws
, that one conviction could land you up to $10,000 in fines and legal fees, a maximum of one year in jail, a minimum 150-day license suspension, and 150 days IID requirements—and that’s just for a first offense. Maine drivers see an average insurance rate increase of 92% with a DUl and further increases for subsequent convictions.
But a DUI on your driving record doesn’t mean you have to pay exceptionally high rates for insurance as a high-risk driver. Certain insurers put less emphasis on driving records than others, which can help reduce your monthly payments—and Jerry can help you find the best rates, too.
Ruth (62 years old)
DUI
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$105
per month
Maine SR-22 insurance
If you’ve been labeled as a high-risk driver in Maine for having a DUI or reckless driving charge, your insurer will have to file an
SR-22
—it’s a document that certifies you meet the minimum state car insurance requirements, and it’s usually required if you’ve had your license suspended or revoked. You’ll typically need to have SR-22 insurance for three years following a major incident, some of which include:
- Driving while intoxicated
- Driving with a suspended license
- Driving without a valid driver’s license
- Repeat violations
- DUI
- Reckless driving
An SR-22 doesn’t mean the end of the line for car insurance, but because an SR-22 signifies you’re a high-risk driver, some insurers won’t insure you. If they do, you’ll likely see jaw-dropping rates.
Jerry can help drivers with SR-22 requirements find the best insurance rates.
How to find cheap car insurance in Maine after an at-fault accident
Your rates will also go up after an at-fault accident—but not all companies will raise them by the same amount. GEICO has the highest average rate increase after an accident at a whopping 64%, while State Farm and Travelers policyholders tend to see lower rate spikes.
But don’t worry. As usual, you can keep your rates low by comparing quotes from different providers and switching to a policy that fits your new profile.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | Progressive | $231 | Brett, 24 | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Nationwide | $110 | Cody, 36 Ellsworth, ME | • 100,000/300,000 Liability • Comp / Collision |
Not At Fault | Safeco | $81 | Hester, 35 | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Allstate | $172 | Oscar, 39 | • State Minimum Liability • Comp / Collision |
At Fault With Injury | National General | $89 | Derek, 27 Chesterville, ME | • 30,000/60,000 Liability • Comp / Collision |
Last Updated Nov 18, 2024FAQs
Does Maine require car insurance?
Yes—If you’re going to operate a motor vehicle, you’ll need car insurance that meets the minimum state requirements. Maine drivers must carry liability auto insurance coverage, medical payments (MedPay), and uninsured motorist coverage.
How much is car insurance in Maine?
Maine’s car insurance requirements follow the 25/50/20 rule for liability insurance—$50,000 of bodily injury liability coverage per person, $100,000 of bodily injury liability coverage per accident, and $25,000 of property damage liability coverage per accident.
Drivers must also carry a minimum of $2,000 per person in medical payments (MedPay) coverage, $50,000 uninsured motorist coverage per person, and $100,000 uninsured motorist coverage per accident.
Is car insurance cheaper in Maine or Massachusetts?
Maine offers better prices than Massachusetts if you’re looking for cheap car insurance. On average, Maine has rates roughly 34% below the national average, while Massachusetts has rates only 9% below. That said, rates are highly dependent on your driving profile, vehicle, and more.
What do you need to get auto insurance in Maine?
If you’re using insurance technology to buy a policy, you’ll likely only need your Maine driver’s license number. But if you’re shopping around the old-fashioned way, you’ll need a few more documents:
- Driver’s license
- Current insurance company and policy number
- Traffic violations within the last 3 years (not including parking tickets)
- Previous claims filed in the last 8 years
- Vehicle make, model, and year
Cheapest auto insurance after other violations in Maine
A DUI,
reckless driving
, and speeding tickets aren’t the only way you’ll get the “high-risk driver” label—but regardless of what violations are on your Maine driving record, you can find the best savings by shopping around with Jerry. | Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $118 | Flora, 26 Rockland, ME | Jeep Commander Limited | • 25,000/50,000 Liability • Comp / Collision |
Defective Equipment | Safeco | $220 | Erik, 26 Rockland, ME | Jeep Commander Limited | • 25,000/50,000 Liability • Comp / Collision |
Driving on Sus. License | Safeco | $99 | Glen, 31 Winthrop, ME | Toyota Corolla CE | • State Minimum Liability |
DUI | Progressive | $105 | Lena, 61 | Acura TL | • 100,000/300,000 Liability • Comp / Collision |
Failure to Yield | Nationwide | $72 | Jason, 39 | Toyota Sienna CE | • State Minimum Liability • Comp / Collision |
Illegal Turn | Progressive | $226 | Eula, 32 | Jeep Grand Cherokee Overland | • 100,000/300,000 Liability • Comp / Collision |
Improper Passing | Safeco | $153 | Clayton, 35 Buxton, ME | Nissan Sentra S | • State Minimum Liability • Comp / Collision |
Leaving scene of an Accident/Hit and Run | Progressive | $152 | Evelyn, 28 | KIA Forte EX | • State Minimum Liability • Comp / Collision |
Open Container | Progressive | $134 | Dominic, 25 | Chevrolet Impala LS | • State Minimum Liability |
Passing School Bus | Safeco | $90 | Minerva, 24 | Chevrolet Trailblazer RS | • State Minimum Liability • Comp / Collision |
Speeding Violation-Major | Safeco | $409 | Della, 34 Oxford, ME | Chevrolet Cruze LT | • 20,000/40,000 Liability • Comp / Collision |
Speeding Violation-Minor | Travelers | $91 | Rosalie, 35 | Nissan Sentra S | • State Minimum Liability • Comp / Collision |
Suspension | Progressive | $283 | Harold, 23 Winslow, ME | Nissan Altima | • State Minimum Liability |
Wrong Way/Wrong Lane | Progressive | $222 | Andre, 23 | Chevrolet Silverado K1500 | • State Minimum Liability • Comp / Collision |
Unsafe Operation of a Motor Vehicle | Bristol West | $126 | Jesse, 25 | Infiniti G35 | • 25,000/50,000 Liability |
Last Updated Nov 20, 2024How to find cheap Maine car insurance after a car insurance lapse
Insurance companies look at several variables when determining auto insurance rates. In general, they want to know that you’ve had continuous coverage with no breaks or gaps. A
lapse in insurance coverage
signals that you’re a high-risk driver and insurers won’t be keen to insure you.If this is your first time getting insurance or getting a new policy after taking a break, rates will likely be higher until you build a stronger history of on-time payments and
continuous coverage
. Jerry not only helps you find the best rates but also gives you the option to turn on payment notifications so you can avoid a lapse in coverage. Plus, you’ll get a reminder when it’s time to renew so you can continue with your current insurer or shop around for a better rate.
Larry (33 years old)
$123
per month
Calvin (24 years old)
$161
per month
Jimmy (28 years old)
$156
per month
Don (56 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Freeport, ME
Volvo XC90 3.2$215
per month
Edgar (25 years old)
Not Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Veazie, ME$98
per month
How to find cheap Maine car insurance with a low credit score
You’ll need good credit to get a mortgage or finance a car, but did you know you also need good credit for insurance? This is because drivers with poor credit tend to file more insurance claims.
Not all states used a
“credit-based insurance score,”
but for those that do, a poor score can affect how much you pay for car insurance. Generally, drivers with a good credit score (700 or above) pay less than drivers with a poor credit score. | Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $330 | Adelaide, 23 | Nissan Altima SV | • State Minimum Liability • Comp / Collision |
660 - 750 | Allstate | $172 | David, 39 | Ford Fusion SE | • State Minimum Liability • Comp / Collision |
550 - 659 | Safeco | $190 | Harold, 20 Acton, ME | Honda Civic LX | • 100,000/300,000 Liability • Comp / Collision |
< 550 | Safeco | $66 | Derek, 31 | Subaru Legacy 2.5I Limited | • State Minimum Liability |
Last Updated Nov 20, 2024How to find cheap auto insurance in Maine for your age
Age might just be a number, but insurance rates are heavily affected by your age bracket. Rates tend to be highest as you start and finish driving. Teens and seniors pay some of the highest insurance rates of any age—they start high from 16 to 19 and start to increase again in your mid-70s.
The best car insurance companies in Maine for young drivers
New drivers
and teenagers pay higher rates for car insurance than most other age brackets. Why? Less experience behind the wheel means a higher rate of accidents, crash fatalities, and violations. But it’s not just about age—teenage males generally pay higher rates for insurance based on a higher rate of unsafe driving behaviors.
The best car insurance companies for senior drivers in Maine
Years of experience behind the wheel mean drivers between 55 and 75 pay the lowest rates. But after that, rates start to increase again due to a higher risk of mortality, hospitalization, and medical expenses from a car crash.
Seniors also have slower reflexes that increase the risk of being involved in one. Even if you’re a driver with a clean driving record, you’ll likely see higher rates at this age.
That’s where Jerry comes in handy. We can find the best car insurance rates for seniors regardless of your age.
Clayton (81 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$84
per month
Over 3,500,000 customers and counting
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How to find car insurance discounts in Maine for your motor vehicle
The more your car costs to buy and repair, the more you’ll pay to insure it—it’s as simple as that.
Typically, high-performance, new cars, luxury cars, and hybrid/electric cars have the highest premiums thanks to their price tag for purchase and repair. Cars with difficult-to-source parts can also be pricey to insure.
If you’re behind the wheel of one of the most popular cars in Maine, you’ll likely see more affordable insurance rates. Out of more than one million registered passenger vehicles, here’s what Mainers tend to stick to:
5
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Subaru Outback 2.5I Premium | Progressive | $80 | Bernard, 24 Old Town, ME | • State Minimum Liability • Comp / Collision |
Last Updated Nov 18, 2024Is it cheaper to insure a new car or a used car?
In general, new cars have higher insurance costs than older models. That’s because new cars have a higher book value and are more likely to come with brand-new tech features that cost more to replace or repair.
That said, there is the odd exception for high-value or collector cars that don’t depreciate.
Elmer (51 years old)
$96
per month
Darrell (52 years old)
2002 Land Rover Discovery II SE
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Cooper, ME$110
per month
Beulah (26 years old)
$113
per month
How to find cheap car insurance in Maine in your city
Jerry has helped drivers across the state find great quotes and savings on car insurance.
| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance coverage |
|---|---|---|---|---|---|
| Gorham, ME | Landon, 32 | Progressive | $134 | Infiniti Q60 RED Sport 400 | • State Minimum Liability • Comp / Collision |
| Auburn, ME | Ora, 36 | Safeco | $81 | Chevrolet Camaro LT | • 100,000/300,000 Liability • Comp / Collision |
| Biddeford, ME | Kevin, 33 | Travelers | $113 | Ford Ecosport SE | • 100,000/300,000 Liability • Comp / Collision |
| Auburn, ME | Fanny, 32 | Nationwide | $99 | Mazda 5 | • State Minimum Liability • Comp / Collision |
| Portland, ME | Gussie, 40 | Allstate | $172 | Ford Fusion SE | • State Minimum Liability • Comp / Collision |
| Bangor, ME | Barry, 22 | Bristol West | $251 | GMC Terrain SLE | • State Minimum Liability • Comp / Collision |
| Westbrook, ME | Emma, 40 | National General | $136 | Nissan Maxima S | • State Minimum Liability |
| Lewiston, ME | Cecelia, 39 | Kemper | $94 | Toyota Camry | • State Minimum Liability • Comp / Collision |
| Biddeford, ME | Jane, 30 | Metlife | $163 | Ford Focus SE | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024How to lower the cost of car insurance in Maine
We’ve mentioned several factors that affect car insurance rates in Maine, but there are easy things you can do to help lower your rates.
Here are some of the best ways to get cheap Maine car insurance without sacrificing coverage:
- Shop around and compare insurance quotes between providers.
- Look at insurance rates before buying a car.
- Increase your deductible for full-coverage policies (comprehensive and collision insurance).
- Reduce your coverage on older cars.
- Bundle your car and homeowners insurance to get a discount.
- Improve your credit rating.
- Take a defensive driving course.
- Ask about car insurance discounts, such as good driver discounts, good student discounts, or multi-car discounts.
- Try usage-based insurance.
- Opt for a mileage-based policy.
Why is car insurance so expensive in Maine?
Car insurance rates aren’t all that expensive in Maine, but there are a few factors that can result in higher-than-normal premiums:
- Increasing healthcare costs
- Population density in urban centers
- Increasing vehicle theft rate
FAQs
What is the minimum liability car insurance in Maine?
Maine drivers are required to carry liability insurance that follows the 25/50/20 rule—$50,000 of bodily injury liability coverage per person, $100,000 of bodily injury liability coverage per accident, and $25,000 of property damage liability coverage per accident.
What increases car insurance in Maine?
Car insurance rates are affected by both personal and external factors. Your age, location, driving history, coverage needs, vehicle make and model, and usage all influence how much you’ll pay for insurance. On top of that, external factors like weather, crime rate, population density, and healthcare costs—all of which are out of your control—influence rates, too.
What are the best car insurance companies in Maine?
There are no “best” car insurance companies in Maine. The best provider for one driver might not be the best for another—it all depends on what you’re looking for. That said, GEICO, USAA, and State Farm are the most popular providers among Maine drivers.
Do you need personal injury protection (PIP) coverage in Maine?
Maine car insurance laws don’t require drivers to have PIP. This is because PIP is used in no-fault states to help cover medical expenses for other parties involved in an accident, regardless of who’s at fault. Maine, however, uses an at-fault system.
Does insurance follow the car or driver in Maine?
As with most states, insurance usually follows the car. For example, if your friend is driving your car and gets into an accident, your insurance policy will cover the expenses for bodily injury and property damage up to your coverage limits.
What is full coverage car insurance in Maine?
Full-coverage car insurance in Maine includes the minimum required insurance—liability coverage, MedPay, and UM/UIM—plus collision and comprehensive coverage.
Is car insurance good if your inspection is overdue in Maine?
If you’re stopped by law enforcement and your inspection sticker has expired, the officer will likely ticket you—but what happens after the ticket depends on Maine’s laws concerning vehicle inspections.
There’s usually a grace period whereby you can complete your inspection and avoid consequences. If you don’t have your vehicle inspected during this period, it could become a non-moving violation and end up on your driving record. Once there, insurers might increase your premium because of it.
Do you need insurance to register a car in Maine?
Yes—before registering a car in Maine, you must provide proof of insurance that meets the minimum state requirements. That means having liability insurance that follows the 25/50/20 rule, medical payments, and uninsured motorist coverage
Is Maine a no-fault state?
No, the state of Maine is an “at-fault” or “tort” state. This means that the driver at fault for the accident is responsible for paying for the injuries and property damage of the other party involved in the crash. Unlike in no-fault states, drivers in Maine can seek compensation for even basic medical expenses following an accident.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
Learn more
about our editorial standards, and our expert review board *Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.