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Cheapest car insurance in Maine for 2023

Based on our research, the cheapest car insurance companies in Maine include Geico, USAA and Countryway Insurance Company.

Updated Apr 25, 2023
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The cheapest car insurance companies in Maine

When shopping for cheap car insurance in Maine, your personal rating factors may impact which carriers could offer you low rates. We found that the following carriers offer the lowest average rates in Maine for these common driver profiles.

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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.

Cheapest company in Maine for minimum coverage

Average monthly minimum coverage premium Average annual minimum coverage premium
Geico $16 $195

Cheapest car insurance in Maine for full coverage

Average monthly full coverage premium Average annual full coverage premium
Geico $50 $604

Cheapest car insurance company for adding a teen driver

Average monthly minimum coverage premium Average annual minimum coverage premium
Geico $32 $379

Cheapest company for getting a speeding ticket in Maine

Average monthly minimum coverage premium Average annual minimum coverage premium
Geico $16 $195

Cheapest company for being in an at-fault accident in Maine

Average monthly minimum coverage premium Average annual minimum coverage premium
Vermont Mutual $21 $254

Cheapest company after a high-risk incident in Maine

Average monthly minimum coverage premium Average annual minimum coverage premium
Countryway Insurance Co. $28 $335

The cheapest car insurance companies in Maine by coverage level

Finding affordable car insurance in Maine may be easier than in many states, as average rates are quite a bit lower than the national average. The average cost of car insurance in Maine is $941 per year for full coverage and $225 per year for minimum coverage. For comparison, the national annual average is $2,014 for full coverage and $622 for minimum coverage. While minimum coverage can be significantly cheaper than full, most insurance professionals suggest choosing full coverage if you can afford to do so for enhanced financial protection in the event of an accident or other covered incident.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
Average monthly minimum coverage premium
$16
Average annual minimum coverage premium
$195
Annual savings vs. State average*
- $30
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
Average monthly minimum coverage premium
$19
Average annual minimum coverage premium
$223
Annual savings vs. State average*
- $2
Average monthly minimum coverage premium
$21
Average annual minimum coverage premium
$254
Annual savings vs. State average*
+ $29
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
Average monthly minimum coverage premium
$23
Average annual minimum coverage premium
$270
Annual savings vs. State average*
+ $45
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
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.

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.

*Based on policies with minimum coverage for 2023

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
Average monthly full coverage premium
$50
Average annual full coverage premium
$604
Annual savings vs. State average*
- $337
Countryway Insurance
Average monthly full coverage premium
$71
Average annual full coverage premium
$850
Annual savings vs. State average*
- $91
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
Average monthly full coverage premium
$73
Average annual full coverage premium
$880
Annual savings vs. State average*
- $61
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
Average monthly full coverage premium
$76
Average annual full coverage premium
$908
Annual savings vs. State average*
- $33
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
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.

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.

*Based on policies with full coverage for 2023

Cheapest cities in Maine for car insurance

Where you live can impact your rates, too, as different cities and ZIP codes have different average rates. Population density, crime rates, accident rates and local weather patterns can all influence how two cities differ in their average car insurance rates. These relationships are complex enough that the cheapest city for minimum coverage is not always the cheapest for full. Below are the cheapest average cities in Maine for minimum and full coverage, respectively.

City City average annual minimum coverage premium Cheapest car insurance company Company average annual minimum coverage premium
Newry $195 Geico $214
Vassalboro $196 Geico $214
East Machias $197 Geico $172
Canaan $197 Geico $182
Monroe $197 Geico $182
City City average annual full coverage premium Cheapest car insurance company Company average annual full coverage premium
Milbridge $1,432 Geico $624
Steuben $1,432 Geico $624
Addison $1,432 Geico $624
Beals $1,432 Geico $624
East Machias $1,432 Geico $624

Factors that impact cheap rates in Maine

Personal rating factors like your age, vehicle type, driving record, ZIP code and gender can all affect your car insurance rates in Maine. To help you explore cheap carriers based on your circumstances, we looked at some common scenarios for Maine drivers and analyzed which carriers are writing the cheapest average policies for these shoppers.

Insuring a teen driver

Teen drivers face some of the highest average rates for car insurance. Their lack of driving experience and high accident rate make them a riskier demographic to insure, driving up average rates. It's usually cheaper to add a teen driver to their parents' policy rather than insure them on their own, and drivers under 18 are typically not eligible for their own policy. 

Car insurance company Average annual minimum coverage premium Average annual full coverage premium
Geico $379 $1,129
Allstate $521 $2,905
Vermont Mutual $586 $2,549
Auto-Owners $637 $1,915
USAA $660 $2,483

Getting a speeding ticket

A speeding ticket conviction in Maine will likely increase your car insurance rates, even if you switch carriers. Car insurance companies typically see speeding tickets as an indication of risky driving behavior and increase rates accordingly. If you do have a recent speeding ticket on your record, you might find low rates with these five carriers:

Car insurance company Average annual minimum coverage premium Average annual full coverage premium
Geico $195 $604
Vermont Mutual $254 $975
USAA $257 $1,007
State Farm $308 $1,032
Auto-Owners $326 $971

Getting into an at-fault accident

Car accidents can lead to costly claims payouts for car insurance companies, so they typically charge higher rates for drivers who have been involved in accidents, especially at-fault accidents. The following five companies may offer low rates for drivers with an at-fault accident on their record.

Car insurance company Average annual minimum coverage premium Average annual full coverage premium
Vermont Mutual $254 $975
Geico $298 $928
Auto-Owners $326 $971
State Farm $347 $1,147
USAA $347 $1,334

Being deemed a high-risk driver

High-risk drivers may see some of the highest average car insurance rates. You might be considered a high-risk driver if you have a DUI conviction (also called an OUI in Maine). Other potential high-risk infractions include multiple speeding tickets, multiple accidents or driving without insurance. We analyzed rate data for a driver with a single DUI conviction to find the cheapest companies for high-risk drivers. Note that not all carriers will extend coverage to a driver with a DUI.

Car insurance company Average annual minimum coverage premium Average annual full coverage premium
Countryway Insurance Co. $335 $1,168
State Farm $412 $1,341
USAA $469 $1,816
Geico $505 $1,582
Bristol West $508 $1,460

Minimum coverage requirements for Maine drivers

Maine requires licensed drivers to carry a minimum amount of auto coverage. All drivers must carry $50,000 per person and $100,000 per accident in bodily injury protection, $25,000 in property damage coverage, and $50,000 per person and $100,000 per accident in underinsured/uninsured motorist coverage. In addition, all drivers must carry a minimum of $2,000 in medical payment coverage.

Even with these relatively robust minimum coverage requirements, average car insurance rates in Maine are still far lower than many other states. Most insurance professionals recommend carrying more than the minimum required coverage if you can afford to do so. With average rates being so low in Maine, it may make even more sense to purchase full coverage car insurance to protect your financial investment in your vehicle.

How to get the cheapest car insurance in Maine

Although average rates are fairly low in Maine, many drivers may still be looking for ways to save on their premiums. These strategies may help you find low rates and maintain them over time. 

Shop around and compare rates

Car insurance companies have unique algorithms for calculating rates, so you may see different quoted rates for the same coverage selections across carriers. Comparing quotes from a handful of the cheapest carriers may show you which company can offer the lowest rates for your personal circumstances. You may also want to compare potential discounts across carriers during the quoting process to see which carriers might have the most applicable savings opportunities for you to take advantage of. 

Improve your credit score

Car insurance companies in Maine are allowed to consider your credit history when calculating insurance rates. Improving your credit score by paying bills on time, keeping your credit use ratio low and avoiding unnecessary hard credit checks may lead to lower car insurance rates. 

Maintain a clean driving record

Your driving record is a key factor that companies consider when calculating your auto insurance rates. Even if you don't have a perfect driving record, avoiding tickets and accidents may help bring down your rates over time. More severe incidents typically have a bigger impact on your rates, so avoiding incidents like DUIs and reckless driving charges may be especially critical.

Car insurance discounts in Maine

Every insurer has different discounts and eligibility requirements, but most auto insurers do offer some. Options, eligibility, and savings can vary between drivers and locations (sometimes state-specific) as well as insurance companies. Below are some of the more commonly available car insurance discounts that may contribute to Maine car insurance savings:

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Written by
Joshua Cox-Steib
Insurance Contributor

Joshua Cox-Steib has two years of experience in writing for insurance domains such as Bankrate, Coverage.com, The Simple Dollar, Reviews.com, and more. His work has also been featured on such sites as MSN and BBB (Better Business Bureau). His insurance writing career has spanned across multiple product lines, with a primary focus on auto insurance, life insurance, and home insurance.

Edited by Insurance Editor