Best Maine Car Insurance Companies 2020

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The state of Maine has over 21,000 miles of public highways, which is more total mileage than any other state in New England. It has roughly 17 acres of forestland, 3,500 miles of coastline and 436,064 acres of state and national parks. Essentially, Maine is a heaven for drivers who enjoy a good view.

In 2018, Maine’s Bureau of Motor Vehicles recorded 1,040,583 licensed drivers in the state, of which 119,000 were motorcycle owners. Lucky for Maine drivers, the roads are relatively safe compared to other states. Last year, there were 32,713 reported crashes on Maine roads, and 153 fatal accidents. However, the rate of car accidents in Maine is on the rise, and drivers need to purchase auto insurance to protect themselves in the event of a collision.

Finding the best car insurance for your needs can be difficult with so many options on the market. Before making a decision, consider the cost of your premium, your deductible, discounts you qualify for and how much coverage you need.

Best car insurance companies in Maine

To simplify your auto insurance shopping, we put together a list of the cheapest car insurance companies available to Maine residents. These providers are highly rated in J.D. Power’s 2019 U.S. Auto Insurance Study in the New England region. They were ranked based on their coverage options, price and customer service reputation.

  • Allstate: Allstate is a great insurance provider for many types of drivers. It offers a long list of discounts that help drivers save on their premiums.
  • Amica: Amica earned 5 out of 5 stars for overall satisfaction from J.D. Power and was recognized for its affordable premiums, claims handling and customer service.
  • Geico: Geico is well-known for offering excellent insurance policies that are among the most affordable in the industry.
  • State Farm: State Farm was the second runner up on J.D. Power’s list, receiving 4 out of 5 stars for overall satisfaction based on reviews from real customers.

These four auto insurance providers are also highly ranked by other prominent market research firms. See how Amica, State Farm, Geico and Allstate were rated by the Better Business Bureau (BBB) and AM Best.

J.D. Power BBB AM Best
Amica 5 / 5 stars A+ A+
State Farm 4 / 5 stars A+ A++
Geico 4 / 5 stars A+ A++
Allstate 4 / 5 stars A+ A+

Finding the right cheap car insurance in Maine for you

We selected these four auto insurance companies because they offer some of the cheapest premiums of any insurance provider in Maine. Each of these companies will offer the most benefits to certain types of drivers, according to data from U.S. News and World Report’s 2019 auto insurance study.

Cheapest Maine car insurance for drivers with one accident: Geico

Typically, having an accident or other traffic violation on your driving record automatically translates into higher premiums. For Maine residents who have had an accident, Geico offers the cheapest premiums. U.S. News determined that drivers who got into a collision paid about $812.26 on average with Geico.

Cheapest Maine car insurance for student drivers: State Farm

With State Farm, students and young drivers who get good grades get up to 25% off their auto insurance premium. The company also offers discounts for taking a safe driving course and being accident-free for the past three years. An 18-year-old driver would pay about $3,900 for insurance, not including any discounts.

Cheapest Maine car insurance for poor credit: Geico

Having a bad credit score significantly impacts your auto insurance rate because you are viewed as high risk—there’s a chance you might not be able to pay your premium. If your credit score is less than perfect, Geico is a good option for you. According to U.S. News, drivers with a poor credit score (300 – 579) will pay an average of $884.31 in Maine.

Cheapest Maine car insurance company for a clean driving record: Allstate

Allstate rewards drivers with a clean driving history by offering lower premiums than other providers. The company also offers accident forgiveness, which means that your rate won’t go up after you’ve had an accident. Maine drivers with a clean record pay about $1,157 per year with Allstate.

Average cost of car insurance in Maine

According to The Zebra, the average cost of car insurance in Maine is $927 per year, which is over 35 percent less than the national average. Note that your car insurance rates depend on a number of factors. Drivers pay different amounts based on their driving history:

  • At-fault accident: $1,359
  • Speeding ticket: $1,503

Rates also change depending on age:

  • 17 year old: $4,323
  • 30 year old: $913

Credit score also plays a role:

  • Very good credit: $971
  • Poor credit: $1,661

Car insurance discounts in Maine

The car insurance companies on our list all offer a variety of discounts that can help Maine drivers save money on their annual premium. The cheapest car insurance Maine has for you may depend on which discounts you can get.

Amica offers discounts for:

  • Staying with the company at least two years
  • Bundling policies
  • Owning a home

State Farm helps drivers save money by:

  • Being accident-free for three years
  • Taking a defensive driving course
  • Having certain safety features on your vehicle

Geico customers can cut costs if they:

  • Insure multiple vehicles
  • Serve in the military
  • Wear their seatbelt

Allstate offers lower premiums for customers that:

  • Insure a new car
  • Get good grades in school
  • Pay their premium in full

State minimum insurance requirements in Maine

In Maine, all drivers are required to have minimum amount of insurance. All drivers must have $50,000/$100,000 in bodily injury protection, $25,000 in property damage coverage and $50,000/$100,000 in underinsured/uninsured motorist coverage.

If you hit another vehicle, your insurance policy would pay for $50,000 in medical expenses for one passenger and $100,000 for anyone else injured in the accident. The $25,000 in property damage would pay for repairs to another car or structure such as a fence that you might have hit.

Lastly, your $50,000/$100,000 underinsured/uninsured motorist coverage protects you if you’re in an accident with a driver that does not have insurance or does not have enough coverage to pay for damages to your car or your medical expenses.

Frequently asked questions

Is car insurance required in Maine?

Yes, all drivers in Maine must purchase a certain amount of insurance coverage as required by law.

What is the cheapest car insurance in Maine?

There isn’t one insurance company in particular that will offer the cheapest rates for Maine residents across the board. The cost of your insurance depends on your age, your credit score, you driving history and discounts you are eligible for.

What information is needed to get car insurance in Maine?

To get insurance, you’ll have to submit information about your car, such as the year, make, model and if it’s owned or leased. You’ll also have to provide information about yourself, including your age, where you live, your driving record and when you were first licensed. Some companies also require a social security number.

How can I save money on my car insurance?

You can save money on your car insurance by taking advantage of discounts, raising your credit score, improving your driving record, taking a defensive driving course and increasing your deductible.