Average cost of car insurance in Maine for 2023

How much is car insurance in Maine?

Luckily for drivers in the Pine Tree State, Maine car insurance rates are much lower than the national average — an astonishing 53 percent. At an average of $941 per year, our analysis of premium data provided by Quadrant Information Services shows that Maine offers the cheapest full coverage car insurance rates in the country. The average annual cost for a minimum coverage car insurance policy in Maine is $225, the second cheapest in the U.S. (just behind Iowa). However, you could be paying more or less than the average, based on your rating factors.

Maine car insurance rates by city

Your average cost of car insurance in Maine can be 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.

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 rates, 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, as shown in the tables below:

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.

*16- and 17-year-old drivers must be on their parents’ policy.

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, an increase of roughly $396 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:

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.

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.

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 by causing you a higher out-of-pocket expense 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.

Estimate your car insurance cost in Maine

Frequently asked questions