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Average cost of car insurance in Maine in 2024

According to our analysis of average premiums, full coverage in Maine costs $1,528 per year and minimum coverage costs $401 per year.

Updated Feb 19, 2024
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How much is car insurance in Maine? 

Drivers in the Pine Tree State can take comfort in knowing Maine car insurance rates are typically much lower than the national average. At $1,528 per year, Maine has some of the cheapest average full coverage car insurance premiums in the country — around 40 percent less than the national average of $2,545. Minimum coverage policies are $401 a year on average, making Maine the second-cheapest state in this category (just behind Iowa). However, you could be paying more or less than the average depending on several factors personal to you.

Bankrate’s insurance editorial team, which includes licensed agents, analyzed premium data from Quadrant Information Services to determine the average cost of car insurance in Maine. Then, we reviewed insurers’ ratings from third parties like J.D. Power and the National Association of Insurance Commissioners (NAIC). Finally, we took into account each company’s AM Best financial strength ratings, as well as each provider's available discounts, coverage options, perks and more to help drivers identify some of the best car insurance in ME for their needs.

Key takeaways

  • Full coverage car insurance costs an average of $1,528 per year, while minimum coverage is $401 per year.
  • A poor credit score may cause an increase in premiums by about 92 percent more in Maine.
  • In Maine, a driver with a DUI conviction may pay about 72 percent more on average than a driver with a clean record.
  • Eighteen-year-old male drivers on their own policy pay the highest premiums in Maine, at an average rate of $4,753 per year.

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Maine car insurance rates by city

The amount you pay for car insurance in Maine is based on several factors, including your ZIP code. Generally speaking, drivers who live in bigger cities tend to pay some of the highest premiums, likely due to a higher population density leading to increased accident frequency. However, Maine’s largest city (Portland) has less than 70,000 residents. Maine primarily consists of mostly small towns and rural areas, which could be one of the reasons behind its lower-than-average car insurance rates. Still, the table below showcases the slight variations in average premiums Mainers may pay from city to city.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average
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Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Average car insurance costs by age and gender in Maine

Some states prohibit car insurance companies from using your age and gender when determining your car insurance premium — but not Maine. Due to their risky driving habits and inexperience behind the wheel, teens pay some of the highest car insurance rates. Additionally, men usually pay more than women, as they are statistically more likely to get into a car accident. However, the rate gap between genders tends to narrow as you age.

Note that the rates below refer to drivers on their own policy, aside from 16-year-olds, who must be added to their parents’ policy.

Age 16*
Average annual full coverage premium in ME
$3,378
Average minimum coverage premium in ME
$951
Age 18
Average annual full coverage premium in ME
$4,753
Average minimum coverage premium in ME
$1,248
Age 20
Average annual full coverage premium in ME
$3,928
Average minimum coverage premium in ME
$948
Age 25
Average annual full coverage premium in ME
$2,154
Average minimum coverage premium in ME
$520
Age 30
Average annual full coverage premium in ME
$1,661
Average minimum coverage premium in ME
$420
Age 40
Average annual full coverage premium in ME
$1,557
Average minimum coverage premium in ME
$399
Age 50
Average annual full coverage premium in ME
$1,446
Average minimum coverage premium in ME
$380
Age 60
Average annual full coverage premium in ME
$1,423
Average minimum coverage premium in ME
$379
Age 70
Average annual full coverage premium in ME
$1,426
Average minimum coverage premium in ME
$382
Age 40
Average annual full coverage premium in ME
$1,557
Average minimum coverage premium in ME
$399
Age 50
Average annual full coverage premium in ME
$1,446
Average minimum coverage premium in ME
$380
Age 60
Average annual full coverage premium in ME
$1,423
Average minimum coverage premium in ME
$379
Age 70
Average annual full coverage premium in ME
$1,426
Average minimum coverage premium in ME
$382
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 16*
Average annual full coverage premium in ME
$2,939
Average minimum coverage premium in ME
$862
Age 18
Average annual full coverage premium in ME
$3,936
Average minimum coverage premium in ME
$1,077
Age 20
Average annual full coverage premium in ME
$3,130
Average minimum coverage premium in ME
$824
Age 25
Average annual full coverage premium in ME
$1,962
Average minimum coverage premium in ME
$519
Age 30
Average annual full coverage premium in ME
$1,595
Average minimum coverage premium in ME
$425
Age 40
Average annual full coverage premium in ME
$1,499
Average minimum coverage premium in ME
$403
Age 50
Average annual full coverage premium in ME
$1,398
Average minimum coverage premium in ME
$387
Age 60
Average annual full coverage premium in ME
$1,402
Average minimum coverage premium in ME
$381
Age 70
Average annual full coverage premium in ME
$1,411
Average minimum coverage premium in ME
$384
Age 40
Average annual full coverage premium in ME
$1,499
Average minimum coverage premium in ME
$403
Age 50
Average annual full coverage premium in ME
$1,398
Average minimum coverage premium in ME
$387
Age 60
Average annual full coverage premium in ME
$1,402
Average minimum coverage premium in ME
$381
Age 70
Average annual full coverage premium in ME
$1,411
Average minimum coverage premium in ME
$384
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
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Bankrate’s take: Auto insurance providers in Maine factor a driver’s gender into their insurance rates, with men often paying more. Insurers point to the fact that men are statistically more likely to engage in risky driving behavior and get into more serious car accidents. However, insurers also look at a variety of personal demographics when setting car insurance premiums.

Cost considerations for young drivers in Maine

If you’re a parent with a younger driver in your household, you may be able to save money by listing your child on your policy as an additional driver rather than them purchasing a policy of their own. It is important to note, however, that most companies require that your child still lives at home for this to be possible. For more information, you may want to contact your company directly.

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Age 16*
Avg. annual premium for drivers in ME
$3,159
Age 17
Avg. annual premium for drivers in ME
$2,930
Age 18
Avg. annual premium for drivers in ME
$2,719
Age 19
Avg. annual premium for drivers in ME
$2,495
Age 20
Avg. annual premium for drivers in ME
$2,399
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 18
Avg. annual premium for drivers in ME
$4,345
Age 19
Avg. annual premium for drivers in ME
$3,776
Age 20
Avg. annual premium for drivers in ME
$3,529
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age Avg. annual premium difference for drivers on their own policy
Age 18 60 percent more
Age 19 51 percent more
Age 20 47 percent more

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

How does driving record impact the cost of car insurance in Maine?

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 42 percent more from the average cost of car insurance in Maine.

Generally, the more serious the incident, the higher the risk your insurance company may view you as. As such, different types of driving incidents can impact your rate more than others, as shown in the table below:

Clean driving record
Avg. annual premium* in ME
$1,528
Percentage increase from ME avg. annual premium*
0%
Avg. annual premium* in ME
$1,843
Percentage increase from ME avg. annual premium*
21%
Avg. annual premium* in ME
$2,176
Percentage increase from ME avg. annual premium*
42%
Avg. annual premium* in ME
$2,628
Percentage increase from ME avg. annual premium*
72%
*The rates reflected are for full coverage policies.

Car insurance rates in Maine by credit score

The average cost of car insurance in Maine can depend on your credit score. Statistics show that those with lower credit are more likely to file claims. To offset this risk, auto insurers usually charge these drivers more expensive premiums. In the table below, note that the average rate in Maine for a driver with poor credit is only slightly lower than for a driver with a DUI.

Avg. annual premium* in ME
$2,941
Percentage difference from ME avg. annual premium*
92%
Average
Avg. annual premium* in ME
$1,684
Percentage difference from ME avg. annual premium*
10%
Avg. annual premium* in ME
$1,528
Percentage difference from ME avg. annual premium*
0%
Excellent
Avg. annual premium* in ME
$1,315
Percentage difference from ME avg. annual premium*
-14%
*Rates reflect full coverage policies.

Maine car insurance rates by vehicle type

It may come as no surprise that your vehicle’s make and model can affect your Maine car insurance rates. Usually, sports cars, luxury vehicles and large trucks cost the most to insure. However, as with most things insurance-related, there are exceptions to this rule. For instance, some standard four-door sedans may have higher rates simply because there are more of them on the road. In other words, the more common a vehicle is, the more claims it may be involved in, leading to more expensive premiums.

Avg. annual premium* in ME
$1,528
Avg. annual premium* in ME
$1,393
Avg. annual premium* in ME
$1,271
BMW 330i
Avg. annual premium* in ME
$2,010
Toyota Prius
Avg. annual premium* in ME
$1,562
*Rates reflect full coverage policies.

Estimate your car insurance cost in Maine

There are so many factors that go into determining a car insurance quote, which is why Bankrate put together the useful calculator below. Enter some basic information and you’ll see an insurance premium rough estimate. Keep in mind that it’s not an exact quote, but it can give you a sense of how much you might pay for car insurance.

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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How to save on car insurance in Maine

Although the average car insurance cost in Maine is much lower than in most states, you may be able to save even more by following the tips below:

  • Shop around: Getting multiple quotes on your car insurance could uncover hundreds of dollars in savings. You may want to 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.
  • Raise your deductible: Raising your deductible will likely lower your premium, but you may want to do this as a last resort. Raising your deductible reduces your financial protection because you’ll need to pay more out of pocket if you need to file a claim. If you do decide to follow this strategy, choosing a deductible that you can easily pay with no warning may be a good idea. For more guidance, you may want to contact your agent.
  • Garage your vehicle: Some 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

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Methodology 

Bankrate utilizes Quadrant Information Services to analyze the latest rates in February, 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. 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 coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base).

Age: Rates were calculated by evaluating our base profile with the ages 16-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

Teens: Rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy unless otherwise noted.

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