Best Cheap Maine Car Insurance Quotes
Enter your Maine zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 11, 2021
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The type of vehicle that needs insurance is a large consideration when quoting the best cheap Maine car insurance quotes. Vehicles with lower acceleration and performance, excellent safety ratings, or a positive history of liability claims will cost much less to insure than adrenaline junky models.
The next list ranks coverage costs for the cheaper automobiles to insure in Maine.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape Limited 4WD||$264|
|Subaru Forester X AWD||$270|
|Dodge Grand Caravan CV||$275|
|Honda Accord EX 4-Dr Sedan||$276|
|Honda CR-V EX 2WD||$281|
|Ford Edge SEL 2WD||$284|
|Toyota Sienna LE||$289|
|Hyundai Santa Fe SE 2WD||$294|
|Hyundai Elantra SE 4-Dr Sedan||$305|
|Toyota Camry SE||$314|
|Nissan Rogue SL 2WD||$307|
|Chevrolet Traverse LTZ 2WD||$312|
|Ford Explorer Eddie Bauer 2WD||$310|
|GMC Sierra SLE Regular Cab 4WD||$311|
|Start a Quote Go|
Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Maine minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in specific zip code location which can change prices greatly.
Looking at the data, you can infer that makes and models like the Ford Escape, Subaru Forester, Dodge Grand Caravan, and Honda Accord are most likely to be the less-costly vehicles to insure for drivers in Maine.
Comparing rates for low-cost car insurance is not most people’s favorite thing to do, and deciding which companies quote the cheapest auto insurance rates in Maine takes a little more work. Each company uses different criteria to set their prices, so let’s take a look at the most competitive auto insurance companies in Maine.
It’s important to understand that Maine auto insurance rates are impacted by many factors which can substantially change the policy premium. Simply having a birthday, increasing deductibles, or getting a few speeding tickets can produce rate changes that may make certain companies more expensive than competitors.
|Rank||Company||Cost Per Year|
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Travelers may have some of the lowest car insurance rates in Maine at around $630 each year. USAA, Countryway Insurance, Vermont Mutual, and The Hartford would also be considered some of the lowest-priced Maine car insurance companies.
As the example above demonstrates, if you are insured with The Hartford and switched to USAA, you may realize an annual premium reduction of upwards of $79. Insureds with Patriot could save as much as $90 a year, and MetLife policyholders might realize rate reductions of up to $129 a year.
Understand that those rates are averaged across all types of drivers and the different vehicles they drive and do not factor in a price decrease in Maine. So the company that has the cheapest rates for you may not even be shown in the company chart above. That illustrates why you need to compare as many prices as possible using your own personal information and vehicle type.
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One of the many things that help determine the annual cost of car insurance is where you normally keep your vehicle. Cities with more crime and/or more people like Winslow, Waterville, and Skowhegan will most likely have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the enjoyment of a little cheaper coverage.
The next table sorts the most expensive areas in Maine to buy auto insurance in.
|25||Old Orchard Beach||$743|
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Prices are approximated as the specific geographic location can change auto insurance rates significantly.
Selecting a high-quality auto insurance company is difficult considering how many companies sell coverage in Maine. The information displayed below can help you analyze which providers you want to consider shopping prices with. The ratings below are only made up of companies with a national presence, so smaller regional companies are not included in the list.
Top 10 Large Auto Insurance Providers in Maine Ranked by Customer Satisfaction
- The Hartford – 93%
- The General – 91%
- Progressive – 90%
- 21st Century – 89%
- Travelers – 87%
- State Farm – 87%
- USAA – 87%
- Safeco Insurance – 86%
- AAA Insurance – 86%
- GEICO – 85%
Top 10 Large Auto Insurance Providers in Maine Ranked by Value
- The General
- The Hartford
- Farmers Insurance
- Safeco Insurance
- AAA Insurance
- 21st Century
- State Farm
- American Family
Types of discounts on Maine auto insurance
Auto insurance companies that offer the best cheap Maine car insurance quotes may have special discounts that could potentially reduce rates by as much as 25% or more if you can meet the requirements. Large auto insurance companies and some of the discounts include:
- Progressive has savings for multi-policy, good student, multi-vehicle, homeowner, and online quote discount.
- MetLife policyholders can earn discounts including accident-free, good student, defensive driver, claim-free, multi-policy, good driver
- Mercury Insurance offers premium reductions for type of vehicle, age of vehicle, good student, annual mileage, and multi-policy.
- Nationwide includes discounts for anti-theft, Farm Bureau membership, easy pay, defensive driving, family plan, and good student.
- GEICO may offer discounts for defensive driver, membership and employees, military active duty, seat belt use, and multi-vehicle.
- AAA has discounts for multi-policy, education and occupation, good student, multi-car, anti-theft, AAA membership discount, and good driver.
The example below shows the comparison of insurance costs with and without discounts applied to the rates. The prices are based on a female driver, no claims, a clean driving record, Maine state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with vehicle safety, accident-free, claim-free, homeowner, anti-theft, and safe-driver discounts applied. In this example, the amount saved on auto insurance in Maine is 27% or $339.
Low rates can quickly become overpriced
Maine auto insurance rates are impacted by many things which can substantially decrease or increase the price you pay for coverage. Improving your credit rating, having a teen driver, or getting a DUI can trigger rate changes that can make some companies cheaper than others. Not only may your risk profile change, but car insurance companies file new Maine auto insurance rates as often as every quarter in order to offset underwriting gains or losses. Heavier than normal losses can result in rate increases, while profitable underwriting may cause cheaper Maine car insurance rates.
As an example, the chart below shows the cheapest car insurance in Maine for a 30-year-old male driver with no violations or accidents, and great credit. When comparing rates based on his current situation, USAA has the lowest car insurance rates in Maine at $622 each year. This is $422 less than the average rate paid by Maine drivers of $1,044. Travelers, Vermont Mutual, Patriot, and The Hartford are also on the list of the most affordable Maine auto insurance companies.
In the next rate comparison, we’ll give the driver from the above example a chargeable accident, less-than-perfect credit, and a couple of points charged on his driving record. Because each company has a proprietary formula to set premium rates, getting updated rate quotes may now show a new list of cheap Maine auto insurance companies as shown below.
MetLife now has the cheapest price in Maine with Concord, OneBeacon, Travelers, and MMG Insurance now rounding out the top five. This demonstrates why Maine drivers need to shop around to find affordable insurance quotes in Maine. Insurance prices can be determined by many factors and can change without notice, so the lowest-price company the last time you compared rates may now be priced much higher than other options.
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