Best Car Insurance in Maine

Last Updated on May 10, 2021

Maine has the cheapest car insurance premiums in the United States. Drivers in Maine pay over $500 less for car insurance than the nationwide average.

The average driver in Maine pays around $945 per year for full coverage car insurance. The average American, meanwhile, pays around $1,450 per year.

Best Car Insurance in MaineAlthough Maine has cheap car insurance, there are ways to save even more money while getting the best car insurance for your unique needs. Today, we’re highlighting the best car insurance in Maine for any driver.

Table of Contents:

Top 10 Auto Insurance Companies in Maine

Drivers in Maine have many options for car insurance. There are regional insurance providers serving Maine and other northeastern states. There are also nationwide companies like GEICO and State Farm that insure thousands across the state.

Here are the top 10 auto insurance companies in Maine, according to our analysis and quotes provided to our model driver profiles.

  1. USAA: USAA membership is available to active duty and retired military personnel and certain qualifying family members. If you qualify for USAA membership, then you can obtain some of the cheapest car insurance in Maine. USAA charges as little as $502 per year for full coverage car insurance in Maine, making it one of the cheapest full coverage car insurance policies available anywhere in the United States.
  2. GEICO: GEICO is consistently rated among the cheapest car insurance companies in most states. In Maine, the average driver pays around $545 per year for full coverage car insurance, making GEICO the cheapest option in Maine for non-USAA members. If you don’t qualify for USAA membership but want cheap car insurance from a well-respected company, then GEICO might be your best option in Maine.
  3. Concord Group: Concord Group is a regional insurance provider with strong ratings throughout the northeastern United States. In Maine, Concord Group offers some of the cheapest car insurance you can buy. The average driver in Maine pays just $561 per year for full coverage car insurance with Concord Group.
  4. Countryway Insurance: Countryway Insurance is another small, regional insurer that punches above its weight loss while competing with larger insurers on this list. Countryway charges drivers around $598 per year for full coverage car insurance in Maine. Although not as well known as other companies on this list, Countryway specializes in selling car insurance in eight northeastern states along with Virginia and Kentucky.
  5. State Farm: As America’s largest insurance company, State Farm offers consistently strong car insurance products across the United States. In Maine, State Farm offers great-value car insurance to drivers in urban and rural areas of the state. Expect to pay roughly $634 per year with State Farm in Maine, according to our model driver profiles.
  6. Vermont Mutual: Vermont Mutual sells car insurance in Maine, Vermont, and other northeastern states. Like other mutual insurance companies, Vermont Mutual is owned by policyholders – not shareholders. Vermont Mutual charges roughly $702 per year for full coverage car insurance in Maine, according to our model driver profiles.
  7. Progressive: Progressive is available throughout Maine and all other states in America. The company charges competitive rates for car insurance with other companies on this list, with drivers paying roughly $736 per year for full coverage car insurance.
  8. Farmers: Farmers is available nationwide, and the company charges cheaper-than-average rates throughout Maine. Expect to pay around $764 per year for full coverage car insurance with Farmers in Maine, according to the quotes provided to our model driver profiles.
  9. Nationwide: Nationwide is one of the top 10 largest car insurance companies in America, and they’re also one of the top 10 largest car insurance companies in Maine. Available across the country, Nationwide charges competitive prices in Maine and other states. Expect to pay around $789 per year in Maine with Nationwide.
  10. Allstate: Yet another insurance giant, Allstate charges average rates of roughly $802 per year in Maine, although steep discounts are available when bundling home and auto insurance. Drivers can also take advantage of safe driving discounts and other money-saving opportunities.

Maine Insurance Requirements

Virtually every state in America requires drivers to carry insurance. Most states require a combination of property damage liability insurance (to cover damage to other vehicles and property) and bodily injury liability insurance (to cover damage to other people).

Maine requires drivers to carry liability insurance with minimum coverage of 50/100/25, which includes:

  • $50,000 of bodily injury liability coverage per person
  • $100,000 of bodily injury liability coverage per accident
  • $25,000 of property damage liability coverage

As Maine.gov explains, a Combined Single Limit policy of $125,000 will also satisfy the state’s minimum requirements.

Maine is also one of the few states that require drivers to carry uninsured motorist coverage and medical payments coverage, including:

  • $2,000 per person in medical payments coverage
  • $50,000 of uninsured and underinsured motorist coverage per person and $100,000 per accident

Keep in mind that a single accident can exhaust these limits, especially if multiple people are injured. Many drivers in Maine exceed these minimum requirements for added protection and peace of mind.

Driving Without Insurance in Maine

It’s illegal to drive without insurance in Maine, and drivers caught without insurance will face stiff penalties. Unlike other states, however, Maine does not increase the penalties if caught driving without insurance multiple times.

Regardless of whether this is your first or fourth time caught driving without insurance, you will face the following penalties:

  • A minimum fine of $100 and a maximum fine of $500
  • Suspension of driving privileges until you provide proof of insurance
  • $50 reinstatement fee, $30 license fee, and $35 registration fee

SR-22 Requirements for Three Years

You must provide proof of insurance when pulled over or involved in an accident. If you cannot provide proof that you have car insurance with minimum limits of 50/100/25, then you will be charged with driving without insurance.

If you fail to surrender your registration and license after suspension, then you will face steeper penalties. Drivers caught driving on a suspended license will pay a fine of $2,000, have their driving privileges suspended until valid proof is provided, require SR-22 insurance for three years, and could be required to spend up to six months in prison, among other penalties.

If you are unable to provide proof of insurance at the time you are pulled over or the time of the accident, but can later provide proof of coverage for that date, then all penalties are dismissed.

Car Insurance in Maine with DUI

A DUI is a guaranteed way to increase car insurance premiums in any state, including Maine. However, some car insurance companies are less serious about DUIs than others, charging comparatively cheap rates compared to their competitors.

Here are some of the best companies in Maine for drivers with one or more DUI convictions:

  • Vermont Mutual: $1,003 per year
  • USAA: $1,026 per year
  • GEICO: $1,091 per year
  • State Farm: $1,197 per year
  • Countryway: $1,210 per year

Car Insurance in Maine with At-Fault Accidents

Like a DUI, an at-fault accident will increase car insurance premiums in Maine. Some companies put a heavy emphasis on your driving record when calculating rates, which means a single at-fault accident could cause rates to rise 50% or more. Other companies are less strict, especially if you already have a clean driving record.

Consider requesting a quote from any of the following insurers if you have an at-fault accident on your driving record in Maine:

  • Vermont Mutual: $973 per year
  • USAA: $951 per year
  • GEICO: $1,023 per year
  • State Farm: $1,111 per year
  • Countryway: $1,139 per year

Car Insurance in Maine with Speeding Tickets

Speeding tickets raise car insurance premiums. Drivers with one or more speeding tickets will pay higher rates for car insurance than drivers with a clean record.

However, you can reduce the impact of speeding tickets by comparing quotes across multiple providers. The following insurance companies are some of the best insurers in Maine for drivers with speeding tickets:

  • USAA: $696 per year
  • Vermont Mutual: $713 per year
  • GEICO: $716 per year
  • State Farm: $737 per year
  • Countryway: $764 per year

Car Insurance in Maine for Young Drivers

Every year, drivers under 25 across Maine cause more accidents than drivers in any other age group. As a young driver, you’re the riskiest person to insure. That’s why young drivers in Maine pay the highest insurance premiums.

Fortunately, you can still find cheap car insurance as a young driver. Here are some of the best car insurance companies in Maine for young drivers:

  • USAA: $1,026 per year
  • GEICO: $1,116 per year
  • State Farm: $1,235 per year
  • Countryway: $1,314 per year
  • Vermont Mutual: $1,491 per year

Car Insurance in Maine with Poor Credit

If you have a bad credit score, then it will increase car insurance premiums. Drivers with a bad credit score or no credit score are riskier to insure than drivers with good credit scores.

If you have a bad credit score in Maine, consider requesting a quote from any of the following insurance companies, which may put less of an emphasis on credit score than other providers:

  • USAA: $1,376 per year
  • GEICO: $1,411 per year
  • State Farm: $1,539 per year
  • Countryway: $1,611 per year
  • Vermont Mutual: $2,091 per year

SR-22 Insurance in Maine

If you are considered a high-risk driver, then you may need to obtain an SR-22 certificate. This certificate verifies you meet Maine’s minimum insurance liability requirements. If you have multiple accidents on your record, or if you have let car insurance lapse, then the state may suspend your license and registration until you provide an SR-22 certificate.

Drivers caught without insurance, for example, need to carry an SR-22 certificate for three years. SR-22 insurance is associated with higher premiums. Insurance companies consider you a high-risk driver, so you’ll pay more for auto insurance than drivers without SR-22 requirements.

Any insurer can issue the SR-22 document. Your insurer will issue the SR-22 document to the state. Once the state verifies your insurance coverage, the state will reinstate your license.

Maine also requires SR-22 certificates after being convicted of operating a motor vehicle while under the influence of alcohol or drugs (OUI).

Shop around for SR-22 insurance or contact your insurer to verify you can obtain an SR-22 certificate. If your insurer is unable to provide you with car insurance because you’re a high-risk driver, then you may need to work with a specialty insurance company or a high-risk insurer.

Conclusion: How to Find the Best Auto Insurance in Maine

Maine has the cheapest average auto insurance rates in the United States. The average driver in Maine pays over $500 less for car insurance than the average American.

However, rates vary widely across the state. Drivers in cities tend to pay more than drivers in rural areas, and drivers with one or more incidents on their record will always pay more for car insurance.

By shopping around for car insurance online today, you can find the best car insurance in Maine regardless of your driving history.