1. States
  2. Maine
  3. Best Cheap Car Insurance Quotes

Best Cheap Maine Car Insurance Quotes

Enter your Maine zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Nov 11, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

Cheapest Vehicles 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
Toyota Prius $315
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.

Enter your zip code below to view companies that have cheap auto insurance rates.

What’s the cheapest car insurance in Maine?
Rank Company Cost Per Year
1 Travelers $630
2 USAA $641
3 Countryway Insurance $692
4 Vermont Mutual $693
5 The Hartford $720
6 Patriot $731
7 MetLife $770
8 Concord $831
9 OneBeacon $859
10 MMG Insurance $896
11 Progressive $939
12 State Farm $943
13 Peerless $1,022
14 Liberty Mutual $1,103
15 GEICO $1,193
16 Allstate $1,266
17 Bristol West $1,719
18 Sentry $1,942
19 Hanover $2,089
Quote Your Rates Go

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.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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.

Maine cities ranked by car insurance cost
Rank City Annual Rate
1 Winslow $847
2 Belfast $832
3 Waterville $830
4 Ellsworth $829
5 Skowhegan $826
6 Portland $821
7 Orono $821
8 Augusta $820
9 Brewer $819
10 Lewiston $816
11 Rockland $810
12 Auburn $810
13 Sanford $807
14 Bangor $802
15 Brunswick $800
16 Old Town $798
17 Bath $784
18 Presque Isle $778
19 Biddeford $775
20 Caribou $773
21 Saco $771
22 South Portland $761
23 Gorham $760
24 Westbrook $759
25 Old Orchard Beach $743
Find the Best Rates Go

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

  1. The Hartford – 93%
  2. The General – 91%
  3. Progressive – 90%
  4. 21st Century – 89%
  5. Travelers – 87%
  6. State Farm – 87%
  7. USAA – 87%
  8. Safeco Insurance – 86%
  9. AAA Insurance – 86%
  10. GEICO – 85%

Top 10 Large Auto Insurance Providers in Maine Ranked by Value

  1. The General
  2. The Hartford
  3. Farmers Insurance
  4. Safeco Insurance
  5. AAA Insurance
  6. 21st Century
  7. Travelers
  8. State Farm
  9. Progressive
  10. American Family

Types of discounts on Maine auto insurance

Save on auto insurance for drivers in MaineAuto 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.

Use our FREE quote tool to copmare insurance rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles