Average cost of car insurance in Maine for 2021

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The average cost of car insurance in Maine is $294 annually for minimum insurance and $965 for full coverage. If you are relocating from another state, you may be relieved at how much you could save on coverage. You may be able to save even more by learning where and how to find the best Maine auto insurance rates.

How much is car insurance in Maine?

Maine’s rates are roughly 40% to 50% less than the average annual U.S. rates of $565 for minimum and $1,674 for full insurance. However, your results may be different. Insurance companies base car insurance rates on several factors, such as driving history, age and city. Some have a more significant effect on the bottom line than others.

Maine car insurance rates by company

Bankrate collected quotes from the best car insurance companies in Maine to provide you with a comparison of how much each carrier charges (on average) for vehicle insurance. There is a $1,200 difference between the cheapest and most expensive full coverage premiums for the same level of coverage from these companies, so it is essential to shop around before committing to a particular insurance carrier.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Allstate $491 $1,479
Electric Insurance Company $673 $1,797
Farmers $407 $1,320
Geico $156 $578
MetLife $279 $1,018
MMG $243 $858
State Farm $253 $811
USAA $196 $718
Vermont Mutual $263 $941
Virginia Farm Bureau $281 $849

Maine car insurance rates by city

Average car insurance rates in Maine could also change based on your ZIPcode. The following cities are the top 20 in the state, based on population. Compared to other states, Maine auto insurance rates do not vary as widely, but there are still some geographic price variations.

City Average annual premium for full coverage % increase in average annual premium
Portland $960 -1%
Bangor $971 1%
Lewiston $989 2%
Augusta $987 2%
South Portland $905 -6%
Biddeford $914 -5%
Auburn $989 2%
Brunswick $924 -4%
Scarborough $909 -6%
Saco $917 -5%
Waterville $998 3%
Westbrook $908 -6%
Gorham $918 -5%
Windham $920 -5%
Sanford $939 -3%
Ellsworth $994 3%
Gardiner $986 2%
Houlton $918 -5%
Bath $946 -2%
Orono $963 0%

Maine car insurance rates by age

Regardless of where in the country you live, younger drivers typically pay significantly higher premiums. Insurance companies classify teens and young adults as higher-risk to insure.

Studies by the National Highway Traffic Safety Administration (NHTSA) found that younger drivers are less experienced and more willing to take dangerous risks when driving. Also, they are more likely to get distracted, increasing the chances of causing a serious car accident. Premiums decrease over time and become much more affordable once a young driver with a clean driving history hits 25.

Age Average annual premium in Maine
Age 16* $1,389
Age 18 $2,852
Age 20 $2,373
Age 25 $1,107
Age 30 $916
Age 40 $965
Age 50 $803
Age 60 $792
Age 70 $795

*16 year old calculated on parent’s policy disclosure

Maine car insurance rates by driving record

In Maine or anywhere else, your driving habits have a significant impact on your car insurance rates. Safer drivers typically pay the least for car insurance, while just one accident could push your full coverage up 32%, an increase of roughly $450 from the average cost of car insurance in Maine.

Driving incident Average annual full coverage premium in Maine % increase in average annual premium
Speeding ticket $1,135 15%
Accident $1,429 32%
DUI $1,855 48%

How to save on car insurance in Maine

If your premiums have gone up or you can barely afford your current rates, there are several ways you can potentially lower your car insurance premiums.

  • Shop around: Getting multiple quotes on your car insurance could uncover hundreds of dollars in savings. Make it a habit to check prices once per year, and do not be afraid of switching carriers — or telling your current insurance company you are considering it. They may match the cheaper car insurance quote or give you a discount to keep you.
  • Raise your deductible: If you have a clean driving record and rarely get a ticket, raising the amount you would have to pay out of pocket in case of a claim or accident could save you money on your vehicle insurance rates.
  • Garage your vehicle: Many insurance companies will give you a discount for keeping your car indoors (and out of the harsh Maine winter weather) when not in use.
  • Take a driver safety course: Maine offers a defensive driving course that could earn you a three-point credit on your driving record as well as lower insurance premiums. It takes roughly five hours to complete but may be worth the time investment to save on vehicle insurance.

Frequently asked questions

How much is car insurance in Maine per month?

Whether you need minimum or full coverage, expect to pay roughly $25 monthly for basic or $80 per month on average for full coverage car insurance. However, you may be able to get lower monthly premiums based on several factors, including your driving record and the insurance company you choose.

How much car insurance do I need in Maine?

To legally drive in Maine, you’ll need at least:

  • $50,000 per person/$100,000 per accident for bodily injury liability
  • $25,000 for property damage
  • $2,000 per person in medical payments
  • $50,000 per person and $100,000 per accident in uninsured/underinsured motorist (UM) coverage

What is the cheapest car insurance in Maine?

The cheapest car insurance in Maine will vary for each driver, depending on their circumstances. Based on our assessment of the top carriers in Maine, Geico and USAA offer some very affordable average rates.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a finance and business journalist who has been featured in Bankrate, Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com. She regularly travels to Africa and the Middle East to consult with women’s NGOs about small business development and works with select startups and women-owned businesses to provide growth and visibility.