Average Cost of Car Insurance in Maine for 2024

There’s another benefit to living in Maine besides its scenic beaches and famous lobster rolls. It’s one of the cheapest states for auto coverage in the country. In fact, the average cost of car insurance in Maine is $920, compared to the national average of $1,582.

However, your rates may vary based on your driving history, credit score, and other factors. Let’s explore the average cost of car insurance in Maine for different people and situations.

Key takeaways

• The average cost of car insurance in Maine is $920 a year for full coverage policies.
• Drivers with state-minimum liability policies pay an average of $372 per year.
• Teen drivers pay an average of $2,696 per year for full coverage.

How much does car insurance cost in Maine?

Auto coverage is typically less expensive in Maine than in other areas. The average cost of car insurance in Maine is $920 per year for full coverage policies that combine liability, collision, and comprehensive insurance — while the national average is $1,582.

Why is car insurance inexpensive in Maine? The state has a low percentage of uninsured drivers compared to other states. It also has a much lower population density than the rest of the country. Fewer drivers on the road — and fewer drivers without coverage — means Maine drivers are less likely to be in accidents or get into accidents with uninsured drivers.

Avg. cost for full coverage	Avg. cost for minimum coverage	Cheapest insurance provider
$920/year	$372/year	Concord Group

Avg. for young drivers	Avg. cost for seniors	Avg. for high-risk drivers
$2,696/year	$948/year	$1,418/year

Average cost of car insurance in Maine by provider

Maine has several provider options, from national insurance companies like State Farm and Allstate to smaller regional insurers.

We found that Concord Group has the cheapest average premiums for full coverage policies. At just $587 per year, its average premiums are lower than the state average.

For state minimum liability insurance, USAA and State Farm have the lowest average premiums.

Provider	Full coverage	Minimum liability coverage
Concord Group	$587/year	$366/year
Allstate	$1,206/year	$555/year
Farmers	$1,212/year	$401/year
GEICO	$734/year	$316/year
State Farm	$771/year	$300/year
Progressive	$1,000/year	$508/year
USAA	$634/year	$211/year

How does credit score affect car insurance rates in Maine?

Maine insurance providers can use drivers’ credit scores as part of the underwriting process, so maintaining a strong credit score could help you save money on car insurance. And at the other end of the spectrum, having bad credit might cause you to pay more for coverage.

We found that those with poor credit pay an average of $1,803 for car insurance, nearly double the state average.

Credit health	Avg. annual premium
Poor (550-649)	$1,803/year
Average (650-699)	$1,255/year
Good (700-749)	$1,081/year
Excellent (750+)	$958/year

Average car insurance rates for high-risk drivers in Maine

As is common in most states, getting a driving violation in Maine can cause your car insurance premiums to skyrocket. With a driving under the influence (DUI) conviction, the average increase is $1,057 per year, and the average increase after a speeding ticket is $446 per year.

Violation	Avg. annual premium before violation*	Avg. annual premium after violation	Avg. cost increase
At-fault accident	$920/year	$1,634/year	$714
DUI	$920/year	$1,977/year	$1,057
Speeding ticket	$920/year	$1,366/year	$446

*Assumes clean driving record with good credit

How does age affect car insurance rates in Maine?

Drivers in their 60s have the lowest average premiums in Maine at $934. By contrast, teens pay significantly more, averaging $2,961 per year — more than three times the state average.

Age	Avg. annual premium
18	$2,961/year
25	$1,037/year
30	$946/year
40	$990/year
60	$934/year

Maine car insurance rates by city

In Maine, the city with the highest average premiums is Lewiston; drivers in this city pay an average of $1,267 per year, which is higher than the state average.

Car insurance is more expensive in Lewiston because it has a higher incidence rate of property crime. The city has also seen an uptick in auto thefts.

City	Avg. annual full-coverage premium
Lewiston	$1,267/year
Auburn	$1,233/year
Bangor	$1,169/year
Biddeford	$1,152/year
Westbrook	$1,141/year
Portland	$1,068/year

ME’s minimum car insurance requirements

Maine’s laws state that drivers must have car insurance, and its minimum coverage requirements are higher than other states. Your policy must meet the following criteria:

• $50,000 in bodily injury protection for one person
• $100,000 in bodily injury protection for two or more people
• $25,000 in property damage insurance
• $2,000 in medical payments coverage
• $50,000 per person and $100,000 per accident in uninsured motorist protection

How to save money on car insurance in Maine

To save money on your auto insurance in Maine, follow these tips:

• Complete a mature driver course: Maine requires all insurance providers to offer a discount for drivers who are 55 and older who complete an approved safe driving course.
• Ask about other discounts: If you aren’t yet eligible for the mature driver discount, talk to your agent about other discount programs. Insurers usually have several options, such as good student, anti-theft devices, low mileage, or safe driver discounts.
• Enroll in a usage-based insurance (UBI) policy: UBI, also known as pay-per-mile insurance, is a way to reduce your premiums by allowing the insurer to track your driving behavior and mileage through a mobile app or telematics device.
• Compare quotes: To find the best car insurance rates, shop around instead of sticking with one company. Request quotes from leading insurers to see if you can save money by switching insurance providers.

FAQs about car insurance costs in ME