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 Maine has lower overall car insurance rates than the national average, by about $1,300, when looking at the 10 largest national auto insurance companies.

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 Free Insurance Quotes

Get great auto insurance coverage at an even better price.

Average Annual Car Insurance Rates in Maine


Average Rate





State Farm










Liberty Mutual


How We Found the Cheapest Car Insurance in Maine

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. The rates are based on profiles for both male and female drivers aged 17, 25, 35, and 60. Vehicles used include the 2018 Honda Civic, 2018 Toyota RAV4, 2018 Ford F-150, 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. The rates shown here are for comparative purposes only. Individual rates will differ.

How Much Does Car Insurance Cost in Maine?

Though Maine has lower car insurance rates than most other states, our study found that rates in Maine vary widely, and which company you choose can have a big impact on what you pay. Not surprisingly, USAA was the most affordable across the board, as we’ve seen in other states. USAA customers paid $1,459 annually on average, far less than the average of $2,609 for all insurers in Maine, and way below the national average of $3,953 for all companies. On the other hand, Liberty Mutual was the most expensive, at $4,331. This too was not surprising, as Liberty Mutual has proven to be the most expensive insurer in our cheapest car insurance companies survey overall. 

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. Among the other insurance companies, Geico proved to be the best bet in Maine, with average rates of $1,510 for all drivers.

Another statistic that should come as no surprise is that young drivers paid the most of any demographic on average for car insurance in Maine, and the difference in rates between companies was also largest with this age group. A single 17-year-old male paid $3,134 on average with USAA and about three times that amount, or $9,479, with Liberty Mutual. For a 17-year-old single female, the numbers were $2,839 with USAA and $6,335 with Liberty Mutual. Here is where we see the advantage of shopping around. While Liberty Mutual was the most expensive car insurer in Maine for young males, Progressive charged the most for 17-year-old unmarried females: $7,943. That’s about $1,600 more annually than Liberty Mutual. For a 17-year-old single male, however, Progressive charged $8,927, or about $500 less than Liberty Mutual.

Keep in mind that both companies ranked as the most expensive for young drivers, who would do well to shop elsewhere regardless of gender. Geico charged a 17-year-old female a more reasonable $2,471 on average, while her male counterpart paid $3,214. With State Farm, the numbers were $4,190 and $5,224, respectively.

Average Annual Car Insurance Rates in Maine for a 17-Year-Old


Single 17-year-old female

Single 17-year-old male










Liberty Mutual






State Farm









Rates dropped dramatically by the time drivers reached the age of 25, with a single female paying just $1,109 on average with Geico, while a single male of the same age paid $1,185. Travelers' rates were close behind, at $1,157 and $1,336, respectively. Liberty Mutual was the costliest regardless of gender, at $2,984 and $4,201. Rounding out the eight insurers included in our survey, State Farm was the next best deal at $1,466 for a female and $1,605 for a male, while Allstate and Farmers were both in the $2,000 range for each gender. Progressive came in at $2,202 and $2,512. USAA was again the bargain of the bunch, at $1,104 for a single 25-year-old female and $1,162 for a male.

Average Annual Car Insurance Rates in Maine for a 25-Year-Old


Single 25-year-old female

Single 25-year-old male










Liberty Mutual






State Farm









Rates continued to fall with age, according to our survey, and the cost gap narrowed between companies. USAA was the least expensive insurer for 60-year old married males, who paid $844 annually on average. Geico and Travelers weren’t much more expensive at $1,017 and $1,055 each. For 60-year-old married females, the rates were $863, $1,016 and $1,055 respectively. State Farm charged $1,314 for males or females, while Allstate, Farmers, and Progressive were all between $1,600 and $2,000. Liberty Mutual again topped the charts at $2,842 for a married 60-year old male or female.

Average Annual Car Insurance Rates in Maine for a 60-Year-Old


Married 60-year-old female

Married 60-year-old male










Liberty Mutual






State Farm









Our survey found that how much drivers traveled annually had little if any impact on their car insurance rates in Maine. Allstate, Farmers, Progressive, and Travelers charged the same whether drivers traveled 6,000 or 12,000 miles per year. With Geico, the difference was about $50, while USAA customers paid about $80 more for the additional mileage. Progressive charged an additional $145 on average, and it was about $180 with Liberty Mutual.

Average Annual Car Insurance Rates in Maine Based on Miles Driven


6,000 miles annually

12,000 miles annually










Liberty Mutual






State Farm









Similarly, the difference in cost between low and high levels of coverage was not that great, regardless of company. Opting for high coverage levels over low amounted to only a $75 difference on average in annual rates with USAA and about $80 with Geico. With Allstate, State Farm, and Travelers, the difference was around $100, while the increase was more in the $200 to $300 range with Farmers, Liberty Mutual, and Progressive. 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, $300 would seem like pocket change.

Average Annual Car Insurance Rates in Maine Based on Coverage Level

















Liberty Mutual








State Farm












As we’ve seen in other states, credit history can have a much larger effect on Maine car insurance rates. Drivers with good credit paid $1,146 annually on average with USAA, while rates nearly doubled to $1,915 for those with poor credit. With Liberty Mutual, the difference was even more dramatic, going from $3,056 to $6,031. Allstate, Farmers, Geico, Progressive, and Travelers all charged between $800 and $1,300 more for those with poor credit than those with good credit. With State Farm, the difference was close to $1,700.

Average Annual Car Insurance Rates in Maine Based on Credit Score

















Liberty Mutual








State Farm












Maintaining a clean driving record will save on car insurance wherever you live, and Maine is no exception. Maine drivers with an unblemished history paid $1,097 on average with Geico, but those rates jumped to $1,546 after one collision. A DUI caused an even larger increase, to $2,301. As painful as those increases may be, Geico was one of the least costly insurers in our survey and one of the most forgiving for violations. By comparison, Progressive customers saw a $2,000 bump in rates after one collision, from $2,921 to $4,932. Curiously, that’s more than Progressive’s rates went up after a DUI, when their rates went to $3,251 on average. Travelers tacked on a more modest increase following a crash, going from $1,879 to $2,088 on average. Travelers customers saw a bigger increase after a DUI, to $2,613. Liberty Mutual charged a $300 premium for one speeding violation, another $600 for drivers with one crash, and more than a $3,000 annual increase for one DUI, bringing their average rates in Maine to $6,427.

Average Annual Car Insurance Rates in Maine Based on Driving Record


Clean record

With 1 speeding violation

With 1 accident

With 1 DUI
















Liberty Mutual










State Farm















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

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 survey found that USAA provided the best deals on average. With an average annual rate of $1,459, USAA was the least expensive of the eight companies included in our Maine survey. But again, USAA is not available to everyone – coverage is limited to active military, veterans, and their spouse and children. For everyone else, Geico was the next best bet at $1,510 on average. State Farm customers paid $2,199 on average, while the average for Travelers was $2,253. Beyond that, the remaining companies in our survey were $2,700 and up, with Liberty Mutual being the most expensive, at $4,331 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 USAA worked out to only about $75 annually on average and around $80 with Geico. The most expensive upcharge among companies in our survey was with Farmers, and even that was only around $300. That’s not much in an era of skyrocketing medical costs and car repairs that are perpetually on the rise.

Kittisak Jirisittichai / EyeEm / Getty Images

Don’t expect to save much on Maine car insurance if you don’t drive much. Half the companies in our survey charged the same rate whether drivers traveled 6,000 miles a year or 12,000. The difference was only $180 for Liberty Mutual, which had the biggest surcharge of companies in our survey.

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.

Drivers involved in one collision paid about $500 more annually with Geico and State Farm than those with a clean record, almost $800 more with Allstate, and $2,000 extra with Progressive. A DUI with Liberty Mutual raised rates by about $3,000 per year, to $6,427. And even one speeding violation with Farmers jacked rates by about $450 a year.

Even the most reasonably priced insurers, like USAA and Geico, charged a hefty penalty for customers with poor credit, who paid about $900 more annually than those with good credit. Allstate charged about $1,200 more on average, while Progressive and Liberty Mutual charged an additional $1,600 and $3,000, respectively. Half the companies included in our survey, including Allstate, Liberty Mutual, and State Farm, charged $1,000 or more per year for customers with poor credit than those with a good score. With State Farm, the difference was $1,800. With Liberty Mutual, it was $3,000.

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 poorer communities with higher crime rates will be saddled with higher insurance rates than those living in more affluent communities.

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 was just $372 among the 20 Maine communities represented in our survey, a much narrower range than we found in most states and hardly enough to justify a move.

Residents of Portland, the largest city in Maine, paid $2,701 annually on average for car insurance, while those living in far more remote Presque Isle paid $2,410. Residents of twin cities Auburn and Lewiston had the dubious distinction of paying the highest average rates, at an almost identical $2,783 and $2,782, 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.

Average Annual Car Insurance Rates in Maine by City


Average Rate

Presque Isle








South Portland






Old Town


























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 Free Insurance Quotes

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:


  • $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

More Shopping Tools From U.S. News & World Report

If you need to do more research, our rankings and reviews are a great place to start. If you’re ready to buy, check out our new car lease deals and purchase deals pages.

Our Best Price Program can also save you money. You can get a pre-negotiated price on your car at a local dealer. On average, buyers have saved more than $3,000 off MSRP using the Best Price Program.

In addition to savings off MSRP, getting the best interest rate on your car loan can save you thousands. Compare rates from up to four lenders with myAutoloan to get the best deal.