Ronniechua / Getty Images

Known for its rocky coastline, lobsters, cold winters, and large expanses of largely undeveloped woodlands, Maine sits at the far northeastern corner of the U.S. and is home to slightly more than 1.3 million residents, according to U.S. Census data. Much larger than its neighboring states and making up almost half the land area of New England, Maine is also the least densely populated state in the region and one of the least populated states in the country, ranking 41st of 50. Just over 1 million of its residents hold a driver’s license, and 1.5 million vehicles are registered in the state.

Maine's low population density and largely rural setting contribute to relatively low crash rates, and the state ranks among the 10th lowest for motor vehicle fatalities, according to the National Highway Traffic Safety Administration. The good news for residents is that those low crash rates translate into low insurance prices, with rates in our studying averaging at $861.37 per year.

There are of course many other factors that contribute to car insurance costs, including your age, driving record, and credit history, as well as where within a state you live – even in a largely rural setting like Maine. Our recent study of insurance costs found that what you pay can vary substantially between companies, and your specific circumstances may make one insurer a better choice than another. We’ve done the homework to help make that decision easier for you.

Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

Cheapest Car Insurance Companies in Maine

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from 10 largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance in Maine

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, civic areas, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings.

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to provide a report of average insurance rates in all 50 states from the 10 largest national car insurance companies. Quadrant obtained rate data provided by car insurers to state regulators, based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage of 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations. To get the study rates shown here, we computed a simple average of all driver profiles and profile combinations for a given company or risk pool. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Individual rates will differ.

How Much Does Car Insurance Cost in Maine?

See the Cheapest Car Insurance Companies

Though our study found that Maine has lower car insurance rates than most other states, rates in Maine vary widely, and which company you choose can have a big impact on what you pay. According to our analysis, Geico was the most affordable, averaging just $515.66 annually across all our driver profiles and considerably less than the $861.37 average for all companies in our study. USAA was only a few dollars more at $526.95. Remember that as appealing as rates are with USAA, the company only provides insurance for members of the U.S. military, veterans, and the members' spouse and children. On the other hand, we found Farmers to be the most expensive on average, at $1,273.99. This too was not surprising, as Farmers has proven to be one of the costlier insurers in our driver profiles for other states as well.

Maine Car Insurance Rates by Age

To find the average rates in or study based on gender and age in Maine, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Our study found the young driver profiles paid the most of any demographic group on average for car insurance in Maine, and the difference in rates between companies was also largest with this age group. Our driver profile for a 25-year-old male found an average study rate of $622.05 with Geico and $633.94 with USAA. Both were less than half the $1,385.28 we found with Progressive or the $1,485.06 we saw with Farmers. For a 25-year-old female driver profile, we found rates in our study ranged from a low of $564.29 with Geico and $603.58 with USAA, to $1,210.92 with Progressive and $1,422.44 with Farmers.

Our study found that rates with all insurers dropped with older driver profiles, steadily decreasing with increasing age. But we also found that Geico and USAA remained the cheapest across all our age and gender profiles, while Farmers and Progressive remained two of the most expensive.

For a 35-year-old driver profile, we found the cheapest average annual study rate dropped to $497.26 with Geico for a male, and $470.11 for a female. USAA was next most affordable at $482.24 for the male profile, and $488.00 for the female profile. Compare that to the $1,223.59 study rate we found for a 35-year-old male with Farmers, or $1,212.48 for a female the same age. With Progressive, our study found an average representative cost of $964.93 for a 35-year-old male, and $988.67 for a female.

Our study found Geico to be cheapest for 60-year-old driver profiles, with an average study rate of $470.11 regardless of gender. USAA was close behind, with rates in our analysis of $472.14 for a 60-year-old male and $481.80 for a 60-year-old female. At the other end of the scale, our 60-year-old male profiles would pay $1,201.23 with Farmers on average in our study, while their female counterparts would pay $1,099.11. We also found annual study rates of around $1,000 on average with Progressive and Allstate for 60-year-old profiles regardless of gender.

Company

25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female

Allstate

$1,285.44

$1,159.37

$1,102.83

$1,071.14

$1,046.85

$971.97

Farmers

$1,485.06

$1,422.44

$1,223.59

$1,212.48

$1,201.23

$1,099.11

Geico

$622.05

$564.29

$497.26

$470.11

$470.11

$470.11

Progressive

$1,385.28

$1,210.92

$964.93

$988.67

$964.93

$988.67

State Farm

$995.15

$906.24

$817.02

$817.02

$771.62

$771.62

Travelers

$757.97

$665.22

$703.67

$682.89

$630.62

$618.13

USAA

$633.94

$603.58

$482.24

$488.00

$472.14

$481.80

Maine Car Insurance Rates by Annual Mileage

We created two driver profiles to compare how annual mileage can change car insurance rates in Maine. One with low mileage (6,000 miles per year) and one with high mileage (12,000 miles per year). The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

We found that how much our driver profiles traveled annually had little if any impact on car insurance rates in Maine. Our study found the same rates for Allstate, Farmers, Progressive, and Travelers regardless of whether our driver profiles traveled 6,000 or 12,000 miles per year. With Geico, the premium for higher mileage was less than $50 in our analysis. With USAA, it was a little more than $30. We saw the biggest difference with State Farm, which had a difference of about $110 in study rates between the low-mileage profile and the one with high mileage.

Company

6,000 miles annually

12,000 miles annually

Allstate

$1,106.27

$1,106.27

Farmers

$1,273.99

$1,273.99

Geico

$470.14

$515.66

Progressive

$1,083.91

$1,083.90

State Farm

$734.93

$846.45

Travelers

$676.42

$676.42

USAA

$493.13

$526.95

Maine Car Insurance Rates by Coverage Level

Most major insurers offer car insurance coverage in three general tiers: low, medium, and high (even if they don’t necessarily advertise it as such). We created identical profiles in our study to represent drivers, then found out how rates changed with the three levels of coverage. The profiles were assigned a clean driving record, a good credit score, and 12,000 miles of annual driving. We used both males and females with the ages of 25, 35, and 60. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

We found little difference in cost between low and high levels of coverage, regardless of company. Opting for high coverage levels over low amounted to only a $30 hike on average for our driver profile annual rates with either Allstate, Geico, Travelers, or USAA. With State Farm, the difference was about $60, and just over $100 with Farmers. Even with the more expensive companies, the difference is not much, especially when the cost is spread out over a year. Compared to the cost of even the briefest hospital visit following a crash, $100 would seem like pocket change.

Company

Low

Medium

High

Allstate

$1,105.89

$1,106.27

$1,149.69

Farmers

$1,266.50

$1,273.99

$1,373.59

Geico

$512.66

$515.66

$545.48

Progressive

$1,081.78

$1,083.90

$1,145.08

State Farm

$833.62

$846.45

$897.85

Travelers

$675.40

$676.42

$705.36

USAA

$522.97

$526.95

$551.26

Maine Car Insurance Rates by Credit Score

We also wanted to determine how much a poor credit score can raise rates over a good credit score. We used driver profiles in three categories: good credit, fair credit, and poor credit. The profiles were male and female drivers with the ages of 25, 35, and 60. Each profile had medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Credit history can have a big effect on Maine car insurance rates. Our driver profiles with good credit would pay an average study rate of $1,083.90 annually with Progressive, while rates nearly doubled to $1,919.81 for profiles with poor credit. Even with the most affordable insurers according to our results, the difference was significant. We found an average study cost of $515.66 with Geico for a profile with good credit, and $884.31 for one with poor credit. With USAA, the numbers were $526.95 and $883.93.

Company

Good

Fair

Poor

Allstate

$1,106.27

$1,320.78

$1,705.79

Farmers

$1,273.99

$1,380.15

$1,682.74

Geico

$515.66

$589.19

$884.31

Progressive

$1,083.90

$1,352.87

$1,919.81

State Farm

$846.45

$1,093.69

$1,831.78

Travelers

$676.42

$805.21

$1,205.12

USAA

$526.95

$601.45

$883.93

Maine Car Insurance Rates by Driving Record

We analysed the effect a driving profile can have on car insurance rates in Maine. We used male and female driver profiles aged 25, 35, and 60, and assigned them good credit, medium insurance coverage, and 12,000 miles of annual mileage. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Maintaining a clean driving record will save on car insurance wherever you live, and Maine is no exception. Our Maine driver profiles with an unblemished history would pay study rates of $515.66 on average with Geico, but those rates would jump to an average of $812.26 after one collision. A DUI caused an even larger increase, to $1,368.25. As painful as that increase would be, we found bigger increases with some other insurers. By comparison, our driver profiles with Progressive had more than a $1,100 bump in study rates after one collision, from $1,083.90 to $2,208.54. Curiously, that’s more than the increase we saw with Progressive after a DUI, when study rates for our driver profiles went to $1,298.41 on average. With Travelers, our study found rates for our driver profiles went from $676.42 to $795.76 after a crash on average. Travelers profiles had a bigger increase after a DUI, to $1,070.40.

Maine Auto Insurance Minimum Coverage Requirements

Maine requires motorists to carry three types of car insurance for any vehicle operated in the state, and you must show proof of coverage to register a vehicle.

Liability coverage is required to cover bodily injury and property damage costs to others for any collision for which you are at fault. Here are the minimum requirements for Maine:

  • $50,000 per person/$100,000 per accident for bodily injury
  • $25,000 for property damage

Drivers can also opt for a combined single limit coverage of $125,000.

Medical payments coverage requires a minimum of $2,000 per person toward medical expenses for the driver and passengers.

Uninsured/Underinsured motorist insurance protects you and your passengers in the event of a collision with an uninsured or underinsured motorist. A minimum of $50,000 per person/$100,000 per accident is required. Maine also requires these limits to be equal to liability limits if you opt for liability coverage greater than the minimum required by law, unless you reject this provision in writing.

The state website cautions that minimums required in Maine are low and may not be enough to cover costs associated with every crash. It advises that most drivers should consider additional insurance to protect their other assets. This is good advice. Bodily injury coverage of $50,000 won’t go far with today’s medical costs, nor will $25,000 in property damage. Given the reasonable cost our survey found for adding additional coverage, full coverage insurance most likely a wise investment.

Also keep in mind that none of the coverages required in Maine will pay for the cost of any repairs to your vehicle following a crash. Repairs to your vehicle are normally covered by collision or comprehensive insurance, which is not mandatory. Such coverage is normally required if you finance a new or used vehicle, however, and it's a good idea even if you pay cash. If you can’t afford to replace the vehicle, or don’t want to take that risk, you should consider this coverage.

Cheapest Car Insurance in Maine

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Single Young Adult Drivers

Geico

Married Adult Drivers

Geico

Senior Drivers

Geico

Drivers with Good Credit

Geico

Drivers with Poor Credit

Geico

Drivers with a Clean Record

Geico

Drivers with One Speeding Violation

Geico

Drivers with One Accident

Travelers

Drivers with One DUI

State Farm

Low-mileage Drivers

Geico

High-mileage Drivers

Geico

Drivers with Low Coverage

Geico

Drivers with High Coverage

Geico

Drivers with Used Cars

Geico

Drivers with New Cars

Geico

To find which car insurance company offers the lowest rates in Maine, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included male and females with the ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Even in a state like Maine, where car insurance is relatively affordable, there are ways to shave a few dollars off your yearly premium. Finding a company with the best rates is a good place to start, and our study found that Geico provided the best rates for our driver profiles on average. With an average annual study rate of $515.66, Geico was the least expensive of the eight companies included in our Maine study. We found USAA to be next most affordable at $526.95 on average. But again, USAA is not available to everyone – coverage is limited to active military service members, veterans, and their spouses and children. For everyone else, Travelers was the next best bet at $676.42 on average, followed by State Farm at $846.45 on average. Beyond that, the remaining companies in our survey were $1,000 and up, with Farmers being the most expensive, at $1,273.99 on average.

Going with the minimum coverage required by the state can save you money but not that much. Pinching pennies here is generally not a good idea unless you’re really strapped for cash. We found that the difference in cost between minimum and high coverage with either Allstate, Geico, Travelers, or USAA worked out to only about $30 annually on average for our driver profiles, around $60 with State Farm, and just over $100 with Farmers. That’s not much in an era of skyrocketing medical costs and car repairs that are perpetually on the rise.

Don’t expect to save much on Maine car insurance if you don’t drive much. Our study found the same rates for Allstate, Farmers, Progressive, and Travelers regardless of whether our driver profiles traveled 6,000 or 12,000 miles per year. With Geico, the premium for higher mileage was less than $50. With USAA, it was a little more than $30. We saw the biggest difference with State Farm, about $110.

One of the best ways to save on car insurance in Maine, or anywhere else, is to maintain a clean driving record and a good credit score. Both can have a significant impact on your rates.

Our driver profiles involved in one collision had study rates that were about $300 more annually with Geico and State Farm than those with a clean record, almost $500 more with Farmers, and $1,000 extra with Progressive. And even one speeding violation with Farmers jacked rates for our driver profiles by about $400 a year.

We found that even the most reasonably priced insurers, Geico and USAA, could be considerably more expensive for our driver profiles with poor credit, who would pay about $350 more annually than those with good credit. With Allstate, we saw a difference of about $600 more on average, and more than $800 with Progressive.

All this proves that it’s important to shop around, obey the law, and pay your bills on time. Don’t be afraid to get new quotes annually as your circumstances change. A speeding violation will disappear from your record over time, and credit ratings can change even more frequently.

Compare Car Insurance Quotes

Get free personalized quotes with one simple form.

Powered By

Why Car Insurance Rates Vary in Maine

Many factors are used to determine car insurance rates, not the least of which is the number of cars on the road around you. That’s one area where residents of less densely populated states like Maine have an advantage, and that is reflected in lower overall insurance costs than many states. Economic conditions are another big influencer, and often residents of communities with higher crime rates will be saddled with higher insurance rates than those living in safer communities.

Maine Car Insurance Rates by City

To find differences in car insurance rates in Wisconsin based on city of residence, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included males and females with the ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Most people wouldn’t consider moving to another city to save money on car insurance, although our survey found the savings can be quite significant in some states. Maine, however, is not one of those states. The difference in rates for our profiles was only about $100 among the Maine communities represented in our study, a narrower range than we found in most states and hardly enough to justify a move.

We found average study rates in Portland, the largest city in Maine, to be $880.53 annually on average for our driver profiles, while the average in more remote Biddeford was $805.18. Twin cities Auburn and Lewiston had the dubious distinction of the highest average rates in our study, at an almost identical $909.88 and $909.76 respectively.

The overall narrow gap in rates between various communities may simply be because none of the cities in Maine are all that large – with Portland being most populous at slightly more than 66,000 – and wealth is generally split fairly evenly across the state.

City

Average Rate

Portland

$880.53

Lewiston

$909.76

Bangor

$857.47

South Portland

$812.04

Auburn

$909.88

Biddeford

$805.18

Sanford

$842.20

Saco

$807.65

Westbrook

$810.57

Augusta

$865.91

How to Get the Cheapest Car Insurance in Maine

There are ways to save money on car insurance that don’t involve changing companies or moving, and you can take advantage of them in the short term while you work to improve your credit rating and driving record for the long term.

Most insurers offer auto insurance discounts if you bundle various policies with the same company, such as your auto policy with homeowners or renters insurance. Many also offer discounts for members of certain unions or other organizations or for those working for specified companies. Students who maintain a good grade point average are frequently offered better prices, as are those who complete an approved driver education course. And parents of young drivers away at school may get a break on rates while their children are away.

Some companies will also offer reduced rates for drivers willing to install an electronic tracking device in their vehicle. Such a device can record and track various behaviors behind the wheel, including speeding, erratic driving and braking, and other behavior that might concern an insurer.

Another easy way to lower premiums is by opting for a higher deductible, which is the amount you pay for expenses after a crash before your insurance kicks in. Remember that it’s always a good idea to review your insurance coverages and costs every year, because circumstances change. A speeding ticket will disappear from your record over time, and your credit score will improve as you reduce debt and pay bills on time. You may want to consider reduced coverage for your vehicle as it ages and depreciates, or you might even think about dropping collision coverage entirely.

Always ask your agent about any discounts you may be eligible for, and check company websites.

Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

Important Laws around Auto Insurance in Maine

Maine is not a no-fault insurance state, meaning that the driver deemed at fault in a crash is responsible for injuries and property damage to the other driver’s vehicle. All motorists are required to maintain state mandated levels of insurance at a minimum for any vehicle they are driving, and proof of insurance must be shown on demand. Either a printed card or a digital insurance card is acceptable. Failure to present proof of insurance can result in a charge of uninsured operation and a loss of driving and registration privileges.

New residents to the state are required to transfer their license, vehicle registration, and insurance to Maine within 30 days of establishing residence.

If a driver is unable to secure insurance for any reason, he or she may obtain insurance through the Maine Automobile Insurance Plan, an assigned risk pool in which all insurance companies operating in the state are required to participate.

Maine Driving Laws and Punishments

Drivers under the age of 18 are prohibited from texting, talking into, or otherwise interacting or manipulating a phone or any handheld electronic device while behind the wheel. Penalties range from $50 for a first offense to $250 for second and subsequent offenses. Text messaging is illegal for drivers of any age and carries a penalty of $250 for a first offense. A second offense brings a penalty of $500 and a license suspension of 30 days, with increased penalties for repeat offenders. In addition, any driver convicted of another infraction or collision resulting from distracted driving is subject to additional penalties.

kali9 / Getty Images

The legal blood alcohol limit for driving a motor vehicle in Maine is .08 percent, and Maine has stiff penalties for violators. Drivers who exceed the limit are subject to a criminal offense and an immediate loss of license. Conviction carries a mandatory fine of at least $500, loss of license for 150 days, and enrollment in a mandatory alcohol and drug education program.

A second offense will result in a minimum of seven days in jail, a $700 fine, and loss of license for at least three years.

A third offense carries a minimum of 30 days in jail, a fine of at least $1,100, and loss of license for at least six years with no exceptions for work.

Drivers failing to provide proof of insurance in Maine are subject to fines of $100-$500, along with suspension of their license and registration privileges until they can prove evidence of sufficient financial responsibility to satisfy the court.

Maine Car Insurance FAQs

Is car insurance required in Maine?

Yes, car insurance is required in Maine with the following minimums:

Liability

  • $50,000 per person/$100,000 per accident for bodily injury
  • $25,000 for property damage
  • Drivers can also opt for a combined single limit coverage of $125,000.

Medical payments

  • $2,000 per person for the driver and passengers

Uninsured/Underinsured motorist

  • $50,000 per person/$100,000 per accident

Which cars are required to be insured in Maine?

Any vehicle operated on the roads in Maine must be registered and insured, and drivers must provide proof of insurance on demand.

When should I get car insurance in Maine?

Proof of insurance is required before any vehicle can be registered in the state of Maine. New residents have 30 days to transfer their license, registration, and insurance for any vehicle brought into the state.

What happens if my car is not properly insured in Maine?

Uninsured motorists are subject to fines of between $100 and $500 and loss of driving and registration privileges.

Is Maine a no-fault state?

No, Maine is not a no-fault state. Drivers deemed at fault for a collision are responsible for injury and property damages.

Do I need uninsured motorist coverage in Maine?

Yes, you need uninsured motorist coverage in Maine, with a minimum of $50,000 per person/$100,000 per crash.

Is liability insurance required in Maine?

Yes, liability insurance is required in Maine with the following minimums:

  • $50,000 per person/$100,000 per accident for bodily injury
  • $25,000 for property damage
  • Drivers can also opt for a combined single limit coverage of $125,000.

Does Maine accept digital insurance cards?

Yes, Maine accepts digital insurance cards. Proof of insurance is required in Maine, in either printed or digital form.

Compare Car Insurance Quotes

Get free personalized quotes with one simple form.

Powered By