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Best car insurance in Maine for 2024

Geico, USAA, State Farm, and Countryway Insurance offer the best policies in the state.

Updated Feb 21, 2024
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Best car insurance companies in Maine

Based on our research and rate data from Quadrant Information Services, the best car insurance in Maine comes from Geico, USAA, State Farm and Countryway Insurance. Drivers in Maine pay an average of $1,517 per year for full coverage car insurance. In addition to average rates, we also analyzed customer satisfaction scores from the 2023 J.D. Power U.S. Auto Insurance Study, digital tools, financial strength ratings and more to help you get a well-rounded view of each carrier.

If you’re shopping for car insurance in ME, you might want to get quotes from these companies:

Insurance company
Bankrate score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$3,295
$1,060
4.2
Rating: 4.2 stars out of 5
N/A
N/A
4.3
Rating: 4.3 stars out of 5
$3,250
$1,074
Countryway
N/A
N/A

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$82/mo

Avg. full coverage premium

$985/yr

Customer satisfaction

Not rated

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$80/mo

Avg. full coverage premium

$960/yr

Customer satisfaction

Not rated

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$146/mo

Avg. full coverage premium

$1,747/yr

Customer satisfaction

829/1,000

Countryway

Avg. full coverage premium

$102/mo

Avg. full coverage premium

$1,223/yr

Customer satisfaction

Not rated

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How Bankrate chose the best car insurance companies in Maine

To find the best auto insurance in Maine, we started by obtaining average car insurance rates from Quadrant Information Services and comparing each company’s average rate to the state average. Because car insurance is such an important part of your financial health, we also analyzed coverage offerings, discounts, third-party scores, digital tools and more.

We combined these features into our proprietary Bankrate Score ranking method. Each rating factor was assigned to a tier with similar factors and was given weight according to its impact on customers. The weighted tier scores were then used to calculate an overall Bankrate Score on a scale of 0.0 to 5.0. The more highly a company ranks, the more highly its metrics scored in the underlying categories.

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Why you can trust Bankrate

Read our full methodology

To help Maine drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

20.7K

ZIP codes examined

1.2M

quotes analyzed

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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.

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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.

How to find the best car insurance in Maine

Finding an insurer that fits your needs is only one step when shopping for Maine car insurance. Before you move on to finding a company that is right for you, you may want to get more familiar with your own circumstances. That way, you’re finding a company that fits your needs and budget.

Related content:

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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.

How much is car insurance in Maine?

The average cost of car insurance in Maine is $1,517 per year for full coverage car insurance and $398 per year for minimum coverage. These rates are significantly less than the national average cost of car insurance, which is $2,545 per year for full coverage and $741 per year for minimum coverage. For comparison, New Hampshire drivers pay $1,646 per year for full coverage and $419 per year for minimum coverage. Minimum coverage rates are even higher in nearby Massachusetts, where the state-required coverage costs $416 per year. In fact, Maine has some of the cheapest car insurance in the country, on average, potentially due to its sparse population density, which makes accidents less likely.

Car insurance rates are based on individual rating factors. These factors could include your driving record, such as involvement in at-fault accidents and moving violations, as well as your credit score, vehicle usage, location and more. Each car insurance company has its own method for calculating rates, so you will likely receive different quoted premiums, even if everything else is the same.

City Avg. annual full coverage premium Avg. savings vs. state average

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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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Why we're asking
Methodology

Frequently asked questions

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.

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46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
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Written by
TJ Porter
Contributor, Personal Finance

TJ Porter is a contributing writer for Bankrate with eight years of experience writing about finance.  TJ writes about a range of subjects, from budgeting tips to bank account reviews.

Edited by Editor, Insurance