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Who Has the Cheapest Auto Insurance Quotes for Drivers Requiring a SR22 in Maine?

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 ...

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UPDATED: Nov 12, 2019

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The words “economical” and “insurance” really shouldn’t be used together, especially when you are shopping around for the cheapest coverage for drivers requiring a SR22. Because it’s so expensive, let’s start off by going over a few of the things the can have a considerable influence on car insurance premiums, and find out if we can help you lower the cost of the next policy you buy.

The cost and performance of the vehicle that is being insured is one of the main factors when consumers are trying to find affordable coverage for drivers requiring a SR22. Vehicles with lower acceleration and performance, excellent safety ratings, or a track record of few liability claims will cost quite a bit less to insure than higher performance models. The next lists outlines coverage costs for a selection of the cheaper automobiles to insure in Maine.

Auto Insurance Rates for Popular Cars in Maine
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu Hybrid $2,310 $1,155 $193
Ford Focus SE 2-Dr Coupe $2,612 $1,306 $218
Ford Fusion Sport AWD 4-Dr Sedan $2,606 $1,303 $217
Honda Accord EX-L 2-Dr Coupe $2,644 $1,322 $220
Honda Civic GX 4-Dr Sedan $2,544 $1,272 $212
Hyundai Sonata GLS 4-Dr Sedan $2,494 $1,247 $208
Kia Optima EX $2,644 $1,322 $220
Nissan Altima 3.5 SR 4-Dr Sedan $2,460 $1,230 $205
Volkswagen Jetta S 4-Dr Sedan $2,310 $1,155 $193
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Price data assumes single male driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and Maine minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease insurance rates significantly.

Insurance Rates for Popular SUVs and Crossovers in Maine
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura RDX AWD $2,096 $1,048 $175
Cadillac Escalade 4WD $2,990 $1,495 $249
Chevrolet Suburban LS 2WD $2,342 $1,171 $195
Chevrolet Traverse LTZ 2WD $2,128 $1,064 $177
Ford Escape XLS 2WD $1,948 $974 $162
Ford Explorer XLT 4WD $2,192 $1,096 $183
GMC Acadia SLT 2WD $2,310 $1,155 $193
Honda CR-V EX 4WD $1,978 $989 $165
Honda Pilot EX 2WD $2,224 $1,112 $185
Jeep Grand Cherokee SRT-8 4WD $2,460 $1,230 $205
Kia Sportage LX $2,310 $1,155 $193
Toyota Highlander Hybrid Limited 4WD $2,490 $1,245 $208
Toyota RAV4 Sport 2WD $2,310 $1,155 $193
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Prices above based on single male driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and Maine minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Estimates do not factor in specific zip code location which can revise insurance rates considerably.

Car Insurance Rates for Popular Pickup Trucks in Maine
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Extended Cab 4WD $1,948 $974 $162
Chevrolet Silverado 2500HD LT Extended Cab Diesel 2WD $2,790 $1,395 $233
Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD $2,636 $1,318 $220
Chevrolet Silverado LS Crew Cab 2WD $2,644 $1,322 $220
Dodge Ram 2500 Mega Cab Laramie 2WD $2,760 $1,380 $230
Dodge Ram Crew Cab Laramie 2WD $2,674 $1,337 $223
Ford F-150 XLT Super Cab 2WD $2,192 $1,096 $183
GMC Canyon SLE Regular Cab 2WD $2,162 $1,081 $180
GMC Sierra SLT Extended Cab 4WD $2,460 $1,230 $205
Toyota Tundra SR/5 Double Cab 2WD $2,494 $1,247 $208
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Price data assumes single male driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and Maine minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Price information does not factor in the specific area where the vehicle is garaged which can lower or raise auto insurance rates substantially.

For high risk drivers, one of the more important factors that car insurance companies take into consideration when calculating the price you pay for insurance is where you normally keep your vehicle in Maine. Cities with larger populations or higher claim trends like Winslow, Waterville, and Auburn are more likely to pay higher prices, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower coverage costs.

The next table sorts the more expensive cities in Maine for drivers requiring a SR22 to buy auto insurance in.

How much does auto insurance cost in Maine?
Rank City Annual Premium
1 Winslow $847
2 Belfast $840
3 Waterville $838
4 Ellsworth $838
5 Auburn $835
6 Brewer $827
7 Skowhegan $826
8 Bangor $818
9 Lewiston $816
10 Sanford $815
11 Old Town $806
12 Orono $805
13 Augusta $804
14 Bath $800
15 Portland $797
16 Gorham $791
17 Westbrook $789
18 Caribou $789
19 Rockland $786
20 Brunswick $776
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Premium amounts are estimated as zip code location can revise price quotes significantly.

Careless driving habits raise car insurance rates

The obvious way to earn the cheapest car insurance for drivers requiring a SR22 in Maine is to drive attentively and have a clean driving record. The information below illustrates how violations and at-fault collisions increase insurance premiums for different age groups. The premium estimates are based on a single female driver, full coverage, $250 deductibles, and no other discounts are factored in.

In the prior example, the average cost of auto insurance in Maine per year with no accidents or violations is $1,029. Factor in one speeding ticket and the average cost swells to $1,164, an increase of $135 each year. Now add in two accidents along with the one speeding ticket and the annual cost of car insurance for drivers requiring a SR22 increases to an average of $2,333. That’s an increase of $1,304, or $109 per month, just for not driving responsibly!

Discounts on the cheapest car insurance for drivers requiring a SR22 in Maine

Save on car insurance for high risk drivers in MaineInsurers that offer cheap quotes for drivers requiring a SR22 may also offer policy discounts that could lower prices by 35% or more if you qualify. A few of the larger companies and a summarized list of policyholder discounts can be found below.

Car Insurance Discounts by Company
Discount Progressive Allstate State Farm Geico Farmers Liberty Mutual
Bundle discount Yes Yes Yes Yes Yes Yes
Multiple vehicles Yes No Yes Yes Yes Yes
Theft prevention Yes Yes Yes Yes Yes Yes
Anti-lock brakes No Yes Yes Yes No Yes
Passive restraint No Yes Yes Yes Yes Yes
Daytime running lights No No Yes Yes Yes No
New vehicle No Yes Yes No Yes No
Safe driver Yes Yes Yes Yes Yes No
Defensive driving course Yes Yes Yes Yes Yes No
Armed forces Yes No Yes Yes Yes No
Employment No No No Yes Yes Yes
Paid in full Yes Yes No Yes Yes Yes
Email statements Yes Yes No Yes Yes Yes
Brand loyalty Yes No Yes No Yes No
Good grades Yes Yes Yes Yes Yes Yes
Student at college Yes Yes Yes No Yes Yes
Own home Yes No No No Yes No
Seat belt usage No No No Yes No No
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The chart below illustrates the comparison of insurance premiums with and without discounts. The prices are based on a female driver, one citation and two at-fault accidents, Maine state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with anti-theft, homeowner, vehicle safety, multiple vehicle, multiple policy, and continuous coverage discounts applied. When discounts are applied, the average savings per year on car insurance for drivers requiring a SR22 is % or $.

Chances are good that you’re overpaying for Maine car insurance

Maine car insurance rates are impacted by many things which can substantially change the policy price. Simply turning a year older, having a claim, or getting a reckless driving citation can trigger rate changes that may make certain companies cheaper than competitors. Not only that, but insurers change their prices every year or even multiple times each year in order to protect their financial rating. Significantly higher claims can cause additional premium costs, while long-term profits may produce lower-priced Maine car insurance rates.

To illustrate this point, the data below shows which company has the cheapest car insurance in Maine for a 35-year-old male driver with a clear driving record, no claims, and excellent credit. If we look at prices based on his personal risk profile, Travelers might quote the lowest car insurance rates in Maine at $630 per year. This is $414 less than the average premium paid by Maine drivers of $1,044. USAA, Countryway Insurance, Vermont Mutual, and Patriot are the remainder of the most affordable Maine auto insurance companies.

In this next rate comparison, we will give the driver from the first set of rates an accident surcharge, slightly worse credit, and an imperfect driving record. Since each insurance company has a different formula for determining rates, comparing prices may result in a substantially altered list of the cheapest car insurance companies in Maine as shown below.

MetLife now has the best price in Maine with Concord, OneBeacon, MMG Insurance, and USAA also having competitive pricing. This example illustrates why Maine drivers need to compare many different companies when trying to get the most budget-friendly car insurance rates for drivers requiring a SR22. Car insurance prices can be determined by many things and can change substantially, so the most economical option the last time you compared rates may now be quite expensive.

Ideas for finding budget-friendly car insurance for drivers requiring a SR22

It’s not impossible to find cheaper rates, and here are some of the better money-saving solutions that can help Maine drivers locate cheaper auto insurance.

  • Improve your credit score
  • Raise your physical damage coverage deductibles
  • Serious violations like DUI or reckless driving can increase rates dramatically
  • Being accident-free can lower rates significantly
  • Choose a safer vehicle and pay lower rates
  • Compare rates regularly to ensure the best deal

The last tip is notably vital, as we pointed out in this piece. Insurance rates in Maine fluctuate considerably, so don’t be tentative to switch carriers if you find a cheaper price. Having a favorite company is fine, but we do not recommend it if that dedication is costing a lot of money. Now is a great time to shop around to find cheaper auto insurance for drivers requiring a SR22.

Best cheap insurance quotes for high risk drivers

There are many ways to comparison shop for car insurance in Maine, but the most popular methods are from an exclusive agency such as Liberty Mutual or Allstate, an independent or non-exclusive agent, or from a direct company like Geico or Progressive.

You can use whichever you prefer, but they differ in how they price policies.

Independent insurance agencies work with multiple companies and can quote your policy with each one. Independent agents are able to give you more rate choices, which may give you the best chance of finding a lower price. If your agent finds better pricing, it’s simple to move the policy and you stay with the same agent.

An exlusive, or captive, agency is only able to quote rates from one company, for example an Allstate or State Farm agent. Exclusive agents are unable to give you multiple price quotes, so you will not be able to compare their rates to other companies.

Direct car insurance buyers forego the middleman (the agent) and buy direct online or over the phone from a company like Esurance or Progressive. Buying car insurance direct can be a good choice for people who do not need advice for risk management and have knowledge of how car insurance works and possible exclusions.

What is the best method for finding the cheapest car insurance for drivers requiring a SR22 in Maine? We’d like to say buying direct results in the best prices since that prevents the need to pay agent commissions, but unfortunately, that is not always true. An argument could also be made that an independent agency saves the most money since they have more companies to choose from, but that idea is not necessarily true either. And sometimes, exclusive agencies have extremely competitive rates that are well below what direct and independents offer.

Because there is so much variation in car insurance prices, the only real way to ensure the lowest rates is to compare lots of quotes. If time allows, get price quotes from all three to get a good idea who is cheapest. We compiled a list of companies with some of the cheapest online rates that you can click here to view.

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