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Best car insurance in Maine for 2023

Updated Sep 13, 2023
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Best car insurance companies in Maine

Based on our research, the best car insurance in Maine comes from Geico, USAA, State Farm and Countryway. Drivers in Maine pay an average of $941 per year for full coverage car insurance, but all four of these companies have lower-than-average full coverage rates. In addition to average rates, we also analyzed customer satisfaction scores from the 2022 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:

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (New England region)
827
/1,000
Average monthly full coverage premium
$50
Average annual full coverage premium
$604
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (New England region)
884
/1,000
Average monthly full coverage premium
$73
Average annual full coverage premium
$880
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (New England region)
838
/1,000
Average monthly full coverage premium
$76
Average annual full coverage premium
$908
Countryway Insurance
J.D. Power score (New England region)
Not rated
Average monthly full coverage premium
$71
Average annual full coverage premium
$850
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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.

*USAA not officially ranked by J.D. Power due to eligibility restrictions

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (New England region)
827
/1,000
Average monthly minimum coverage premium
$16
Average annual minimum coverage premium
$195
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (New England region)
884
/1,000
Average monthly minimum coverage premium
$19
Average annual minimum coverage premium
$223
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (New England region)
838
/1,000
Average monthly minimum coverage premium
$23
Average annual minimum coverage premium
$270
Countryway Insurance
J.D. Power score (New England region)
Not rated
Average monthly minimum coverage premium
$23
Average annual minimum coverage premium
$279
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.

*USAA not officially ranked by J.D. Power due to eligibility restrictions

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.

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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.

Best for low rates

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 827/1,000 AM Best: A++

Average annual premium

$ 604 for full coverage
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Why Geico made our list: Based on our research, Geico’s average car insurance rates are some of the most affordable in the industry, and the rates in Maine are no exception. Maine drivers can also take advantage of Geico’s long list of potential discounts, including savings for military members, federal employees and good students.

Who Geico may be good for: If you’re on a tight budget or looking for lots of discount opportunities, Geico might be a good fit.

Read full Geico Insurance review

Best for military-focused coverage

Rating: 4.3 stars out of 5
4.3 Bankrate Score
JD Power: 884/1,000 AM Best: A++

Average annual premium

$ 880 for full coverage
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Why USAA made our list: USAA consistently earns high customer satisfaction scores compared to its competitors, although it doesn’t officially rank in the J.D. Power studies because of its eligibility restrictions. USAA combines low average rates with excellent customer service and military-focused coverage options and discounts.

Who USAA may be good for: USAA is only available to military members and qualified family members. If you qualify, the company could be an excellent choice due to its low average premiums as well as dedicated military coverage.

Read full USAA review

Best for local agencies

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 838/1,000 AM Best: A++

Average annual premium

$ 908 for full coverage
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Why State Farm made our list: State Farm ranked highly in J.D. Power’s 2022 U.S. Auto Insurance Study for the New England region, indicating that customers are generally satisfied with its service. The company also has plenty of potential discounts for drivers looking to lower their premium.

Who State Farm may be good for: State Farm’s network of local agents offers in-person service for customers who want a knowledgeable insurance professional by their side.

Read full State Farm review

Best for farm vehicle coverage

JD Power: Not rated AM Best: N/A

Average annual premium

$ 850 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Countryway made our list: Although it wasn’t rated by J.D. Power for customer satisfaction due to its small market share, Countryway insurance coverage is sold by local agents, which may appeal to some drivers. The company also offers home insurance as well as coverage for farming operations.

Who Countryway may be good for: If you have farming vehicles that you need to insure along with your personal vehicles, Countryway might be a good choice.

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.

How much is car insurance in Maine?

The average cost of car insurance in Maine is $941 per year for full coverage car insurance and $225 per year for minimum coverage. These rates are significantly less than the national average cost of car insurance, which is $2,014 per year for full coverage and $622 per year for minimum coverage. For comparison, New Hampshire drivers pay $1,262 per year for full coverage and $319 per year for minimum coverage. Minimum coverage rates are even higher in nearby Massachusetts, where the state-required coverage costs $429 per year, although full coverage costs the same as it does in New Hampshire, $1,262 per year. In fact, Maine has the cheapest car insurance, on average, in the country, 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.

Average annual premium for full coverage in Maine Average annual premium for minimum coverage in Maine
$941 $225

How to get 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.

Consider minimum insurance requirements in Maine 

Like most states, Maine requires drivers to carry at least minimum car insurance limits to drive legally. Don’t let the information intimidate you, though; you don’t need to memorize Maine’s minimum coverage limits. An insurance company won’t be able to sell you limits that don’t meet the state’s requirements, so there’s no risk that you’ll accidentally purchase too little coverage. Knowing your state’s minimum requirements can be a helpful benchmark though, because it can help you start to figure out how much car insurance you need for your own situation.

Although minimum coverage is all you need to drive legally, it may not be enough to protect you financially if you are involved in an accident. Depending on repair and medical costs, your out-of-pocket expenses after an accident could climb quickly and may negate any savings you saw by buying minimum coverage in the first place.

Consider lender requirements

If you have a loan or lease on your vehicle, your financial institution will likely have some car insurance requirements. Most lenders require comprehensive and collision coverage, which insures against accidental damage to your vehicle. Adding these coverage types means your policy is considered “full coverage.” If your vehicle is leased, you may also have to carry higher liability limits. You could also consider purchasing gap insurance, which is intended to pay for the difference between your loan amount and the vehicle’s actual cash value if your car is totaled or stolen.

Even if you aren’t making payments on your vehicle, having collision and comprehensive coverage could be useful. Although these coverage types add extra cost to your policy premium, they may help better protect your finances in the event of an accident. You may also want to consider other endorsements, like roadside assistance and rental car reimbursement.

Consider your individual needs

Every driver has a unique situation. If your family includes teen drivers, for example, you may want to look for a company with one or more teen driver discounts to help offset the cost of insuring an inexperienced motorist. If you’re a high-risk driver, your company options may be more limited and you may need to look for a company that specializes in non-standard coverage. There are a myriad of individual needs that you may want to consider when deciding what company and coverage is right for you, so taking the time to understand your circumstances could be well worth it.

Frequently asked questions

Written by
Cate Deventer
Former Writer & Editor, Insurance
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by Senior Editor, Insurance