Average Cost of Car Insurance in Maine for 2024

Updated Feb. 3, 2024
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Concord Group is generally the cheapest car insurance in Maine for full coverage policies.

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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.

In this article

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
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

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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.


Our analysis was conducted using six different auto insurance marketplaces to determine the average cost of auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in ME

Is car insurance expensive in ME?

With full coverage policies averaging just $920 per year, auto coverage is usually less expensive in Maine than in other states.

How much is car insurance per year in ME?

The average cost of car insurance in Maine is $920 per year, while state-minimum liability policies average $372 per year.

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Author Details

Kat Tretina Kat Tretina is a personal finance expert focusing on practical financial matters, including student loans, debt repayment, side hustles, insurance, and healthcare. Drawing from her personal experience, she aims to simplify complex financial topics and provide individuals with the information they need to make informed decisions.