Cheapest car insurance in Maine 2024

Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.

Looking to save money on car insurance in the Pine Tree State?

We crunched the data for several different Maine driver profiles to calculate the average cost of car insurance for minimum coverage. We also identified some of the cheapest rates for basic coverage, whether you consistently drive through Portland or are making your way up to see beautiful Acadia National Park.

To evenly compare insurers, we based our calculations on a relatively neutral driver profile — with no accidents, tickets or claims (see our full methodology). The rates you get may be higher or lower given your driving history and other factors that affect car insurance like your vehicle, age, mileage and coverage selections.

Read on to learn about Maine’s average car insurance rates and our findings for the cheapest options.

• Cost of car insurance in Maine
• 5 cheapest car insurance companies in Maine
• Cheapest state-minimum car insurance in Maine
• Cheapest car insurance for good credit in Maine
• Cheapest car insurance for poor credit in Maine
• Cheapest car insurance for drivers with multiple claims in Maine
• Cheapest car insurance for young drivers in Maine
• Maine auto insurance requirements
• Is usage-based insurance available in Maine?
• FAQs about the cheapest car insurance rates in Maine
• Methodology

Cost of car insurance in Maine

Average monthly premiums for car insurance in Maine range from just over $40 to just under $100, depending on type of coverage and driver profile.

Average monthly auto insurance premiums in Maine

5 cheapest car insurance companies in Maine

Read on to learn more about the five cheapest car insurance companies, for state-minimum coverage, for drivers in Maine based on our calculations. We’ve calculated these rates based on a specific driver profile to assess insurers evenly and to get a sense of costs for an average driver (see full methodology for more information).

Unless otherwise noted, our driver’s characteristics include a credit score between 680 and 719, a history with no tickets or coverage gaps, a $20,000 to $30,000 car and an age range from 36 to 45. Your rates may vary based on your circumstances and coverage needs.

1. Patriot Group

Headquartered in Maine, Patriot Group started selling property and casualty insurance in 2002 primarily through independent agents. In addition to standard car insurance coverage, Patriot Group offers optional add-ons for vehicle damage, property damage, medical and funeral expenses, work loss benefits, accidental injury or death, towing and rental cars. The company also offers safe-driving discounts and classic car coverage.

2. Concord Group

The Concord Group was established in 1928 and serves a handful of Northeastern states via independent agents. In addition to standard car insurance, Concord offers two packages with expanded coverage. Optional add-ons include road trouble service, new car replacement and accident forgiveness. Concord also offers a few ways to save, including multi-policy and good student credits.

3. USAA

USAA is available to military members and their families. USAA auto insurance is available nationwide with various discount opportunities, including unique savings for deployed military members. The USAA app allows members to manage their policy from their mobile devices. USAA offers standard and optional coverage options. Read reviews of USAA to learn more.

4. Travelers

Travelers car insurance is available in most states and offers customers who remain accident- and violation-free with a decreasing deductible every six months. Standout coverage options include new-car replacement coverage and accident forgiveness. Prospective customers can get a quote online, over the phone or through a local agent. Read reviews of Travelers to learn more.

5. MMG Insurance

Founded in 1897, MMG is headquartered in Presque Isle, Maine and provides car insurance coverage in a handful of northeastern states. In addition to its standard coverages, MMG’s Driver Advantage policy includes a safe-driving incentive, disappearing collision deductible, glass deductible waiver and key replacement.

Cheapest state-minimum car insurance in Maine

State-minimum insurance is often the cheapest kind of coverage you’ll need, but you must register and drive your car legally in Maine.

Here are the five cheapest car insurance companies in Maine for state-minimum coverage.

5 cheapest car insurance companies in Maine for state-minimum coverage

Cheapest car insurance for good credit in Maine

Insurers often evaluate your credit when calculating your monthly car insurance premium. Drivers with better credit typically pay less for car insurance than drivers considered to have poor credit.

Here are the five companies that offer the cheapest car insurance for Maine drivers with good credit.

5 cheapest car insurance companies in Maine for those with good credit

Cheapest car insurance for poor credit in Maine

Because drivers with less-than-stellar credit are considered riskier to insure, they often pay more for their car insurance than drivers with better credit.

The following insurers offer the lowest car insurance rates, for minimum coverage, for drivers with credit scores below 580.

5 cheapest car insurance companies in Maine for those with poor credit

Cheapest car insurance for drivers with multiple claims in Maine

Insurance companies examine your recent accidents and claims history to help calculate your premium. You’ll pay more for insurance if you have one or several claims on your record than someone without claims.

The companies in the table below offer the lowest estimated rates, for minimum coverage, for drivers with multiple claims.

5 cheapest car insurance companies in Maine for multiple claims

Cheapest car insurance for young drivers in Maine

Your age plays a role in determining your car insurance premium, with younger drivers, typically under age 25, paying more for car insurance. As you get older and establish a history of safe driving, your rates typically decrease, all else being equal.

Drivers between the ages of 18 and 21 may find the cheapest insurance for basic coverage with the following five companies.

5 cheapest car insurance companies in Maine for young drivers

Maine auto insurance requirements

Maine requires drivers to have at least $50,000 per person and $100,000 per accident for bodily injury and $25,000 for property damage. Drivers must also carry a minimum of $2,000 in medical payments coverage, and at least $50,000 per person and $100,000 per accident of uninsured/underinsured motorist coverage. If your liability limit exceeds the minimum, your uninsured/underinsured motorist coverage must match your higher limit — unless you reject the higher limit in writing.

Is usage-based insurance available in Maine?

Usage-based insurance, or UBI, is a type of vehicle insurance that allows customers to pay premiums based on their driving behavior. Drivers in Maine can take advantage of their insurer’s UBI programs, if offered, to recognize discounts on their premiums for tracking their safe driving.

FAQs about the cheapest car insurance rates in Maine

Methodology

This article’s estimated rates are the lowest based on the profile of a driver age 36 to 45 living in Maine. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000.

Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on various factors, such as your age, vehicle driving habits, coverage and history.

The average monthly premium for full-coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. The average monthly premium for state-minimum car insurance includes a Maine-mandated 50/100/25 insurance policy.

Estimated rates for insurance for good credit apply to scores of 720 or higher. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those age 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.