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 car insurance in Maine for 2024
Geico, USAA, State Farm, and Countryway Insurance offer the best policies in the state.
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 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
|
Average full coverage rate | Average min coverage rate |
---|---|---|---|
4.4
|
$3,295
|
$1,060
|
|
4.2
|
N/A
|
N/A
|
|
4.3
|
$3,250
|
$1,074
|
|
Countryway
|
|
N/A
|
N/A
|
Geico
4.4
4.4
Avg. full coverage premium
$82/mo
Avg. full coverage premium
$985/yr
Customer satisfaction
Not rated
-
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
USAA
4.2
4.2
Avg. full coverage premium
$80/mo
Avg. full coverage premium
$960/yr
Customer satisfaction
Not rated
-
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.
Read full USAA Insurance review
State Farm
4.3
4.3
Avg. full coverage premium
$146/mo
Avg. full coverage premium
$1,747/yr
Customer satisfaction
829/1,000
-
Why State Farm made our list: State Farm ranked highly in J.D. Power’s 2023 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.
Read full State Farm Insurance review
Countryway
Avg. full coverage premium
$102/mo
Avg. full coverage premium
$1,223/yr
Customer satisfaction
Not rated
-
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.
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.
Why you can trust Bankrate
Read our full methodologyTo 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
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:
Ready for your quote?
Answer a few questions to see personalized rates from top carriers in Maine
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.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
City | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|
Long Island | $1,457 | -4% |
Scarborough | $1,425 | -6% |
Waterford | $1,548 | +2% |
Newry | $1,544 | +2% |
Southwest Harbor | $1,607 | +6% |
Benedicta | $1,471 | -3% |
Vinalhaven | $1,497 | -1% |
East Vassalboro | $1,557 | +3% |
Bridgton | $1,555 | +3% |
Lincolnville Center | $1,505 | -1% |
Dresden | $1,539 | +1% |
Round Pond | $1,546 | +2% |
South Thomaston | $1,507 | -1% |
West Forks | $1,581 | +4% |
Lewiston | $1,593 | +5% |
Bath | $1,503 | -1% |
Bernard | $1,605 | +6% |
Dennysville | $1,621 | +7% |
Liberty | $1,531 | +1% |
West Farmington | $1,576 | +4% |
Kittery | $1,459 | -4% |
Lovell | $1,561 | +3% |
Estcourt Station | $1,482 | -2% |
Sunset | $1,590 | +5% |
Brooksville | $1,615 | +6% |
Levant | $1,517 | +0% |
Topsfield | $1,605 | +6% |
Albion | $1,572 | +4% |
Plymouth | $1,520 | +0% |
Vanceboro | $1,605 | +6% |
Grand Lake Stream | $1,608 | +6% |
Machias | $1,621 | +7% |
Topsham | $1,493 | -2% |
Bar Harbor | $1,606 | +6% |
Unity | $1,527 | +1% |
Biddeford | $1,420 | -7% |
Danville | $1,570 | +3% |
Thomaston | $1,493 | -2% |
New Portland | $1,589 | +5% |
Ogunquit | $1,454 | -4% |
Dixfield | $1,583 | +4% |
Wytopitlock | $1,473 | -3% |
East Newport | $1,530 | +1% |
West Minot | $1,563 | +3% |
Bradford | $1,498 | -1% |
Greenville Junction | $1,508 | -1% |
Sargentville | $1,606 | +6% |
Saint Francis | $1,498 | -1% |
Camden | $1,495 | -1% |
Sanford | $1,468 | -3% |
Northeast Harbor | $1,604 | +6% |
Kingfield | $1,588 | +5% |
Rumford | $1,548 | +2% |
Trevett | $1,540 | +2% |
Beals | $1,621 | +7% |
New Gloucester | $1,510 | -0% |
Milo | $1,506 | -1% |
Fort Kent Mills | $1,497 | -1% |
Harrison | $1,546 | +2% |
Portland | $1,503 | -1% |
Sumner | $1,558 | +3% |
Randolph | $1,530 | +1% |
Sangerville | $1,508 | -1% |
Sorrento | $1,609 | +6% |
Lincolnville | $1,506 | -1% |
Bingham | $1,583 | +4% |
Vassalboro | $1,566 | +3% |
South China | $1,570 | +3% |
Howland | $1,499 | -1% |
Sedgwick | $1,618 | +6% |
Eddington | $1,506 | -1% |
Union | $1,515 | -0% |
Shawmut | $1,567 | +3% |
Millinocket | $1,481 | -2% |
Houlton | $1,461 | -4% |
Mexico | $1,546 | +2% |
Wayne | $1,550 | +2% |
Edgecomb | $1,543 | +2% |
West Boothbay Harbor | $1,541 | +2% |
Little Deer Isle | $1,603 | +6% |
Orient | $1,464 | -4% |
Bristol | $1,546 | +2% |
Freedom | $1,538 | +1% |
Shapleigh | $1,503 | -1% |
West Baldwin | $1,567 | +3% |
Boothbay | $1,541 | +2% |
Nobleboro | $1,555 | +2% |
Perry | $1,622 | +7% |
Island Falls | $1,470 | -3% |
Solon | $1,587 | +5% |
Blue Hill | $1,620 | +7% |
Perham | $1,465 | -3% |
Sabattus | $1,553 | +2% |
Vienna | $1,554 | +2% |
Frenchville | $1,497 | -1% |
Oxbow | $1,468 | -3% |
Smyrna Mills | $1,464 | -4% |
Brooks | $1,520 | +0% |
Freeport | $1,460 | -4% |
Springvale | $1,467 | -3% |
Palermo | $1,626 | +7% |
Mars Hill | $1,455 | -4% |
Athens | $1,595 | +5% |
Pownal | $1,491 | -2% |
Mattawamkeag | $1,487 | -2% |
Saint Albans | $1,591 | +5% |
Greene | $1,567 | +3% |
Mechanic Falls | $1,555 | +2% |
Oxford | $1,547 | +2% |
East Boothbay | $1,542 | +2% |
Hancock | $1,613 | +6% |
Chebeague Island | $1,439 | -5% |
Charleston | $1,502 | -1% |
Columbia Falls | $1,619 | +7% |
Machiasport | $1,620 | +7% |
North Bridgton | $1,505 | -1% |
Hallowell | $1,526 | +1% |
Waite | $1,619 | +7% |
Corinna | $1,520 | +0% |
East Machias | $1,729 | +13% |
East Baldwin | $1,562 | +3% |
Dryden | $1,581 | +4% |
Wilton | $1,575 | +4% |
Brownville Junction | $1,510 | -0% |
Waldoboro | $1,559 | +3% |
Oakland | $1,547 | +2% |
Easton | $1,455 | -4% |
Bar Mills | $1,487 | -2% |
Cumberland Foreside | $1,442 | -5% |
Orrington | $1,498 | -1% |
Ellsworth | $1,584 | +4% |
Waterville | $1,570 | +3% |
Carmel | $1,524 | +0% |
Owls Head | $1,494 | -2% |
Rangeley | $1,584 | +4% |
East Waterboro | $1,489 | -2% |
East Poland | $1,551 | +2% |
Wells | $1,452 | -4% |
Westbrook | $1,418 | -7% |
South Freeport | $1,461 | -4% |
Canaan | $1,593 | +5% |
Augusta | $1,538 | +1% |
Franklin | $1,615 | +6% |
Prospect Harbor | $1,610 | +6% |
Surry | $1,612 | +6% |
Pittsfield | $1,592 | +5% |
Stratton | $1,584 | +4% |
Greenwood | $1,548 | +2% |
Coopers Mills | $1,547 | +2% |
Whitefield | $1,542 | +2% |
Mapleton | $1,452 | -4% |
Bangor | $1,507 | -1% |
Lambert Lake | $1,605 | +6% |
Phillips | $1,587 | +4% |
Lee | $1,492 | -2% |
Pemaquid | $1,546 | +2% |
Southport | $1,540 | +1% |
Presque Isle | $1,452 | -4% |
Garland | $1,506 | -1% |
Wiscasset | $1,538 | +1% |
Casco | $1,516 | -0% |
Turner | $1,566 | +3% |
Monhegan | $1,547 | +2% |
Steuben | $1,621 | +7% |
Greenville | $1,504 | -1% |
Woolwich | $1,508 | -1% |
Rockland | $1,492 | -2% |
Clinton | $1,561 | +3% |
Frenchboro | $1,609 | +6% |
Swans Island | $1,604 | +6% |
Saint Agatha | $1,504 | -1% |
China Village | $1,558 | +3% |
Orono | $1,505 | -1% |
Whiting | $1,618 | +6% |
Harmony | $1,579 | +4% |
New Vineyard | $1,584 | +4% |
Bremen | $1,545 | +2% |
North Vassalboro | $1,569 | +3% |
Standish | $1,465 | -3% |
Spruce Head | $1,507 | -1% |
Bowdoinham | $1,506 | -1% |
Denmark | $1,570 | +3% |
South Gardiner | $1,538 | +1% |
Deer Isle | $1,602 | +5% |
Isle Au Haut | $1,505 | -1% |
Sinclair | $1,506 | -1% |
Winter Harbor | $1,610 | +6% |
Fryeburg | $1,570 | +3% |
Hanover | $1,549 | +2% |
Addison | $1,621 | +7% |
Belfast | $1,522 | +0% |
Gray | $1,459 | -4% |
Brookton | $1,604 | +6% |
Dixmont | $1,532 | +1% |
Searsport | $1,521 | +0% |
South Berwick | $1,460 | -4% |
Hiram | $1,570 | +3% |
Sullivan | $1,609 | +6% |
West Enfield | $1,500 | -1% |
Sebasco Estates | $1,514 | -0% |
Sheridan | $1,465 | -3% |
Detroit | $1,585 | +4% |
Winterport | $1,500 | -1% |
Cutler | $1,624 | +7% |
Fort Kent | $1,500 | -1% |
Belgrade Lakes | $1,552 | +2% |
Norridgewock | $1,594 | +5% |
Jackman | $1,579 | +4% |
West Paris | $1,549 | +2% |
East Winthrop | $1,544 | +2% |
Princeton | $1,617 | +6% |
Farmington | $1,578 | +4% |
Waterboro | $1,492 | -2% |
Brownville | $1,506 | -1% |
Hudson | $1,521 | +0% |
Ashland | $1,450 | -5% |
North Yarmouth | $1,426 | -6% |
Canton | $1,559 | +3% |
Medway | $1,484 | -2% |
Sandy Point | $1,525 | +1% |
Ocean Park | $1,443 | -5% |
Buxton | $1,484 | -2% |
Orrs Island | $1,459 | -4% |
Bradley | $1,499 | -1% |
Guilford | $1,509 | -0% |
Corea | $1,611 | +6% |
Harborside | $1,612 | +6% |
Center Lovell | $1,568 | +3% |
Limington | $1,501 | -1% |
Kennebunkport | $1,480 | -2% |
Auburn | $1,589 | +5% |
Berwick | $1,476 | -3% |
Bethel | $1,545 | +2% |
Lisbon | $1,540 | +2% |
East Orland | $1,572 | +4% |
Sebago | $1,550 | +2% |
East Parsonsfield | $1,506 | -1% |
West Newfield | $1,528 | +1% |
Bryant Pond | $1,545 | +2% |
East Wilton | $1,576 | +4% |
Stockholm | $1,460 | -4% |
West Rockport | $1,506 | -1% |
Monroe | $1,521 | +0% |
Cliff Island | $1,472 | -3% |
Friendship | $1,515 | -0% |
Lebanon | $1,492 | -2% |
Walpole | $1,542 | +2% |
South Casco | $1,492 | -2% |
East Livermore | $1,552 | +2% |
Brunswick | $1,453 | -4% |
York | $1,457 | -4% |
Meddybemps | $1,617 | +6% |
Monticello | $1,459 | -4% |
Birch Harbor | $1,610 | +6% |
Eustis | $1,586 | +4% |
Norway | $1,542 | +2% |
Bowdoin | $1,503 | -1% |
Cushing | $1,501 | -1% |
Eagle Lake | $1,505 | -1% |
Anson | $1,587 | +5% |
Temple | $1,578 | +4% |
Castine | $1,616 | +6% |
Madawaska | $1,495 | -1% |
Shirley Mills | $1,509 | -1% |
Blaine | $1,461 | -4% |
Poland | $1,558 | +3% |
Baileyville | $1,616 | +6% |
Bailey Island | $1,458 | -4% |
South Windham | $1,459 | -4% |
Kents Hill | $1,554 | +2% |
Lagrange | $1,496 | -1% |
Bridgewater | $1,456 | -4% |
Palmyra | $1,593 | +5% |
North Monmouth | $1,548 | +2% |
Kittery Point | $1,459 | -4% |
South Portland | $1,413 | -7% |
North Anson | $1,585 | +4% |
Danforth | $1,610 | +6% |
Thorndike | $1,530 | +1% |
Yarmouth | $1,438 | -5% |
Biddeford Pool | $1,457 | -4% |
Brewer | $1,518 | +0% |
Milford | $1,497 | -1% |
Penobscot | $1,609 | +6% |
Gouldsboro | $1,610 | +6% |
Milbridge | $1,621 | +7% |
Fort Fairfield | $1,454 | -4% |
Matinicus | $1,502 | -1% |
Oquossoc | $1,589 | +5% |
Smithfield | $1,590 | +5% |
Harrington | $1,619 | +7% |
Hope | $1,498 | -1% |
Hinckley | $1,565 | +3% |
Jay | $1,576 | +4% |
Hulls Cove | $1,606 | +6% |
Stacyville | $1,490 | -2% |
Holden | $1,537 | +1% |
Sebec | $1,506 | -1% |
North Berwick | $1,456 | -4% |
Monmouth | $1,557 | +3% |
Isle Of Springs | $1,545 | +2% |
Cornish | $1,500 | -1% |
Sherman | $1,462 | -4% |
Searsmont | $1,527 | +1% |
Madison | $1,594 | +5% |
Damariscotta | $1,548 | +2% |
Wesley | $1,617 | +6% |
Raymond | $1,503 | -1% |
Farmingdale | $1,523 | +0% |
Hampden | $1,522 | +0% |
Kennebunk | $1,466 | -3% |
East Dixfield | $1,577 | +4% |
Alfred | $1,483 | -2% |
Stoneham | $1,559 | +3% |
Cambridge | $1,579 | +4% |
Windham | $1,465 | -4% |
Falmouth | $1,438 | -5% |
Cape Porpoise | $1,476 | -3% |
Harpswell | $1,473 | -3% |
Peaks Island | $1,462 | -4% |
Burlington | $1,501 | -1% |
Stonington | $1,591 | +5% |
Fairfield | $1,559 | +3% |
Litchfield | $1,552 | +2% |
Brooklin | $1,620 | +7% |
Caribou | $1,458 | -4% |
Limestone | $1,457 | -4% |
Van Buren | $1,499 | -1% |
Stockton Springs | $1,520 | +0% |
York Beach | $1,470 | -3% |
Winthrop | $1,544 | +2% |
Springfield | $1,497 | -1% |
Etna | $1,521 | +0% |
North Haven | $1,496 | -1% |
Caratunk | $1,583 | +4% |
Abbot | $1,507 | -1% |
South Paris | $1,545 | +2% |
Gardiner | $1,541 | +2% |
Squirrel Island | $1,542 | +2% |
Oakfield | $1,458 | -4% |
North Waterboro | $1,492 | -2% |
Windsor | $1,554 | +2% |
Alna | $1,542 | +2% |
East Blue Hill | $1,604 | +6% |
Jonesboro | $1,622 | +7% |
Cumberland Center | $1,440 | -5% |
Corinth | $1,523 | +0% |
Rockwood | $1,579 | +4% |
Islesboro | $1,507 | -1% |
Naples | $1,547 | +2% |
Saco | $1,438 | -5% |
Roxbury | $1,558 | +3% |
West Poland | $1,564 | +3% |
Mount Desert | $1,606 | +6% |
New Sweden | $1,468 | -3% |
Exeter | $1,531 | +1% |
Frankfort | $1,518 | +0% |
Bass Harbor | $1,605 | +6% |
North Jay | $1,575 | +4% |
Bucksport | $1,600 | +5% |
New Harbor | $1,545 | +2% |
Wallagrass | $1,499 | -1% |
Boothbay Harbor | $1,540 | +2% |
Stillwater | $1,522 | +0% |
Washburn | $1,454 | -4% |
North Waterford | $1,547 | +2% |
West Bethel | $1,553 | +2% |
Phippsburg | $1,507 | -1% |
Westfield | $1,457 | -4% |
Port Clyde | $1,501 | -1% |
Farmington Falls | $1,578 | +4% |
East Millinocket | $1,481 | -2% |
Leeds | $1,559 | +3% |
Greenbush | $1,503 | -1% |
North Turner | $1,560 | +3% |
Weld | $1,576 | +4% |
Lubec | $1,622 | +7% |
Newport | $1,529 | +1% |
East Andover | $1,555 | +3% |
Jefferson | $1,555 | +2% |
Patten | $1,482 | -2% |
Monson | $1,507 | -1% |
Newcastle | $1,546 | +2% |
Islesford | $1,606 | +6% |
Bustins Island | $1,459 | -4% |
Old Orchard Beach | $1,412 | -7% |
Cape Elizabeth | $1,412 | -7% |
Cape Neddick | $1,457 | -4% |
Peru | $1,554 | +2% |
Richmond | $1,497 | -1% |
Georgetown | $1,507 | -1% |
Seal Harbor | $1,607 | +6% |
Tenants Harbor | $1,501 | -1% |
Dexter | $1,505 | -1% |
Kenduskeag | $1,521 | +0% |
Skowhegan | $1,595 | +5% |
Stetson | $1,523 | +0% |
Eastport | $1,618 | +6% |
Morrill | $1,514 | -0% |
Livermore | $1,553 | +2% |
Manchester | $1,556 | +3% |
Livermore Falls | $1,554 | +2% |
Crouseville | $1,466 | -3% |
Saint David | $1,499 | -1% |
Eliot | $1,460 | -4% |
Buckfield | $1,562 | +3% |
Readfield | $1,550 | +2% |
Passadumkeag | $1,503 | -1% |
Seal Cove | $1,608 | +6% |
Hartland | $1,585 | +4% |
Aurora | $1,615 | +6% |
Limerick | $1,501 | -1% |
Brownfield | $1,571 | +4% |
Hollis Center | $1,489 | -2% |
Old Town | $1,495 | -1% |
Washington | $1,519 | +0% |
Jonesport | $1,621 | +7% |
Lisbon Falls | $1,536 | +1% |
Portage | $1,464 | -4% |
Clayton Lake | $1,465 | -3% |
Mount Vernon | $1,564 | +3% |
Orland | $1,606 | +6% |
Chamberlain | $1,545 | +2% |
Calais | $1,608 | +6% |
Robbinston | $1,608 | +6% |
Strong | $1,594 | +5% |
Kingman | $1,491 | -2% |
Grand Isle | $1,500 | -1% |
Warren | $1,510 | -0% |
Burnham | $1,520 | +0% |
Pembroke | $1,613 | +6% |
South Bristol | $1,545 | +2% |
Belgrade | $1,557 | +3% |
Troy | $1,526 | +1% |
Steep Falls | $1,510 | -0% |
Durham | $1,566 | +3% |
Dover Foxcroft | $1,505 | -1% |
Gorham | $1,458 | -4% |
Winn | $1,491 | -2% |
Cranberry Isles | $1,606 | +6% |
New Limerick | $1,464 | -4% |
Porter | $1,566 | +3% |
Acton | $1,503 | -1% |
Parsonsfield | $1,532 | +1% |
Andover | $1,556 | +3% |
Lincoln | $1,483 | -2% |
Cherryfield | $1,621 | +7% |
Salsbury Cove | $1,597 | +5% |
Rockport | $1,490 | -2% |
New Sharon | $1,583 | +4% |
Minot | $1,571 | +3% |
Moody | $1,472 | -3% |
Hebron | $1,563 | +3% |
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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.