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:

Comprehensive $204
Collision $372
Liability $236

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.

Liability Only $280
Full Coverage $916
High Risk $1,974

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.

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Maine car insurance rate comparison chart
Column chart showing Maine car insurance prices range from $525 to $3,364 for full coverage

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.

Maine Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$9665.2%
Dodge Ram$9927.7%
Ford Escape$760-20.5%
Ford Focus$886-3.4%
Ford Fusion$9705.6%
Ford F-150$862-6.3%
GMC Acadia$844-8.5%
GMC Sierra$9503.6%
Honda Accord$854-7.3%
Honda Civic$9988.2%
Honda CR-V$740-23.8%
Honda Pilot$870-5.3%
Hyundai Sonata$9281.3%
Kia Optima$9463.2%
Nissan Altima$9422.8%
Nissan Rogue$9180.2%
Toyota Camry$9321.7%
Toyota Corolla$912-0.4%
Toyota Prius$850-7.8%
Toyota RAV4$864-6%
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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
RankCompanyMarket ShareAverage Rate
1State Farm14.49%$962
2Progressive13.45%$948
3Liberty Mutual9.48%$1,114
4Geico9.34%$1,217
5Allstate8.06%$1,292
6Concord4.50%$848
7USAA4.13%$635
8Metropolitan3.92%$786
9Travelers3.62%$618
10Quincy Mutual3.52%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 $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.

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 $1,100 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

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Rates by Driver Age

Maine Insurance Rates by Driver Age
Driver AgePremium
16$3,364
20$2,110
30$958
40$916
50$836
60$820

Full coverage, $500 deductibles

Rates by Deductible

Maine Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,168
$250$1,050
$500$916
$1,000$784

Full coverage, driver age 40

Rates by Liability Limit

Maine Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$916
50/100$963
100/300$1,022
250/500$1,176
100 CSL$987
300 CSL$1,117
500 CSL$1,211

Full coverage, driver age 40

Rates for High Risk Drivers

Maine Car Insurance Rates for High Risk Drivers
AgePremium
16$4,802
20$3,352
30$2,022
40$1,974
50$1,884
60$1,868

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 $127

Potential Rate Discounts

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

DiscountSavings
Multi-policy$49
Multi-vehicle$47
Homeowner$13
5-yr Accident Free$69
5-yr Claim Free$59
Paid in Full/EFT$43
Advance Quote$46
Online Quote$65
Total Discounts$391
Rate after discounts $525

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

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