Maine Car Insurance Rates
Average insurance rates in Maine for 2018 are $916 annually for full coverage. Comprehensive insurance, collision, and liability cost around $204, $372, and $236, respectively. Ellsworth and Skowhegan average the highest car insurance rates, and the three most popular companies in Maine are State Farm, Progressive, and Liberty Mutual.
Average rate for full coverage: $916
Premium estimates for individual coverage type:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Average Price Range for Auto Insurance in Maine
For the normal driver, Maine insurance prices go from the low end price of $280 for liability-only coverage to a high of $1,974 for a driver who requires high-risk insurance.
These price ranges show why it is important to compare prices for a specific zip code, instead of using average rates.
Use the form below to get accurate rates for your location.
Enter your Maine zip code below to view companies that have cheap auto insurance rates.
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Recommended Companies for Cheap Maine Insurance
Chart shows Maine car insurance prices for different risks and coverage choices. The best price after discounts is $525. Maine drivers who use higher $1,000 deductibles will pay $784. The average price for a driver age 40 with no violations using $500 deductibles is $916. Choosing low $100 deductibles for comprehensive and collision insurance could cost up to $1,168. Drivers with multiple violations and accidents could be charged at least $1,974. The cost for full coverage for a 16-year-old driver can be as high as $3,364.
Insurance rates in Maine are also quite variable based on the type of vehicle you drive, how you drive, and deductibles and policy limits.
Using high physical damage deductibles could cut prices by as much as $390 every year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase rates by as much as $213 more per year. View Rates by Deductible or Liability Limit
The make and model of vehicle you drive has a significant impact on the price you pay for car insurance in Maine. Electing to drive a cheaper and lower-performance vehicle will be cheaper to insure due to cheaper replacement cost and reduced frequency of accidents. This table shows premium estimates for the most popular vehicles insured in Maine.
|Make and Model||Premium||% to Avg|
|Get Rates for Your Vehicle Quote Now|
Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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Your auto insurance company has an impact on price. In Maine, every insurance company has a slightly different rate calculation, and prices can change based on indivdual risk characteristics. In Maine, car insurance prices range from $618 with Travelers to as high as $2,110 with Hanover. Companies like USAA, Countryway Insurance, and Vermont Mutual fall somewhere in between.These are probably not the prices you would have to pay, as your location, any driving violations, and the vehicle you are insuring have to be factored in.
|Rank||Company||Market Share||Average Rate|
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra
Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $900 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $3,300 a year. View Rates by Age
The area you live in has a huge impact on auto insurance prices. Less congested rural areas might see rates around $700 a year, while Ellsworth and Skowhegan may see rates upwards of $1,100. Even different neighborhoods with close proximity in the same city can have a wide range of rates.
These price discrepancies demonstrate the importance of getting rates based on your location.
If you have some driving violations or you caused an accident, you could be paying at least $1,100 to $1,500 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 45% to 134% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the only way to know your exact price is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, so the rates may be quite different.
Maine Auto Insurance Articles
- Best Cheap Maine Car Insurance Quotes
- Cheap Insurance for a Toyota Corolla in Maine
- Who Has the Cheapest Insurance Quotes for a Honda CR-V in Maine?
- Best Cheap Car Insurance Quotes for Drivers with a DUI in Maine
- Cheap Insurance Quotes for a Chevrolet Silverado in Maine
- Best Cheap Insurance Quotes for a Dodge Ram in Maine
- Cheap Insurance Quotes for a Ford Escape in Maine
- Who Has the Cheapest Auto Insurance Quotes for Drivers Requiring a SR22 in Maine?
- Who Has the Cheapest Insurance for a Ford Explorer in Maine?
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Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$69|
|5-yr Claim Free||$59|
|Paid in Full/EFT||$43|
Discounts are estimated and may not be available from every company or in every state.