Find Cheaper Maine Car Insurance Rates in 2024

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

Average insurance rates in Maine for 2024 are $866 annually for full coverage. Comprehensive insurance, collision, and liability cost around $192, $352, and $224, 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: $866

Premium estimates for individual coverage type:

Comprehensive $192
Collision $352
Liability $224

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 $266 for liability-only coverage to a high of $1,874 for a driver who requires high-risk insurance.

Liability Only $266
Full Coverage $866
High Risk $1,874

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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Maine car insurance rate comparison chart
Column chart showing Maine car insurance prices range from $498 to $3,190 for full coverage

Chart shows Maine car insurance prices for different risks and coverage choices. The best price after discounts is $498. Maine drivers who use higher $1,000 deductibles will pay $744. The average price for a driver age 40 with no violations using $500 deductibles is $866. Choosing low $100 deductibles for comprehensive and collision insurance could cost up to $1,108. Drivers with multiple violations and accidents could be charged at least $1,874. The cost for full coverage for a 16-year-old driver can be as high as $3,190.

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 $370 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 $201 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.

Maine Auto Insurance Rates for Popular Vehicles
Make and Model Premium % to Avg
Chevrolet Silverado $918 5.7%
Dodge Ram $944 8.3%
Ford Escape $724 -19.6%
Ford Focus $840 -3.1%
Ford Fusion $920 5.9%
Ford F-150 $816 -6.1%
GMC Acadia $800 -8.3%
GMC Sierra $900 3.8%
Honda Accord $810 -6.9%
Honda Civic $950 8.8%
Honda CR-V $706 -22.7%
Honda Pilot $824 -5.1%
Hyundai Sonata $882 1.8%
Kia Optima $898 3.6%
Nissan Altima $892 2.9%
Nissan Rogue $874 0.9%
Toyota Camry $884 2%
Toyota Corolla $866 0%
Toyota Prius $806 -7.4%
Toyota RAV4 $818 -5.9%
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.

Maine Auto Insurance Companies by Market Share and Average Rate
Rank Company Market Share Average Rate
1 State Farm 14.49% $962
2 Progressive 13.45% $948
3 Liberty Mutual 9.48% $1,114
4 Geico 9.34% $1,217
5 Allstate 8.06% $1,292
6 Concord 4.50% $848
7 USAA 4.13% $635
8 Metropolitan 3.92% $786
9 Travelers 3.62% $618
10 Quincy Mutual 3.52% N/A
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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 $800 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 $3,100 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 $600 a year, while Ellsworth and Skowhegan may see rates upwards of $1,000. 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.

View Chart as Image

Maine insurance rates by city

If you have some driving violations or you caused an accident, you could be paying at least $1,000 to $1,400 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 129% 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.

Rates by Driver Age

Maine Insurance Rates by Driver Age
Driver Age Premium
16 $3,190
20 $2,000
30 $908
40 $866
50 $794
60 $776

Full coverage, $500 deductibles

Rates by Deductible

Maine Car Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,108
$250 $998
$500 $866
$1,000 $744

Full coverage, driver age 40

Rates by Liability Limit

Maine Car Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $866
50/100 $911
100/300 $967
250/500 $1,112
100 CSL $933
300 CSL $1,056
500 CSL $1,146

Full coverage, driver age 40

Rates for High Risk Drivers

Maine Car Insurance Rates for High Risk Drivers
Age Premium
16 $4,558
20 $3,178
30 $1,918
40 $1,874
50 $1,784
60 $1,770

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.

SR-22 Surcharge $120

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $46
Multi-vehicle $44
Homeowner $12
5-yr Accident Free $65
5-yr Claim Free $56
Paid in Full/EFT $41
Advance Quote $43
Online Quote $61
Total Discounts $368
Rate after discounts $498

Discounts are estimated and may not be available from every company or in every state.

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