Average Cost of Car Insurance in Maine for 2025

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 $146 per month for full coverage, compared to the national average of $193.

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.

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Key takeaways

The average cost of car insurance in Maine is $146 per month for full coverage policies.
Drivers with state-minimum liability policies pay an average of $82 per month.
Teen drivers pay an average of $263 per month 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 $146 per month for full coverage policies that combine liability, collision, and comprehensive insurance — while the national average is $193.

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. monthly cost for full coverage	Avg. monthly cost for minimum coverage
$146	$82

Avg. full coverage monthly premium for teens	Avg. full coverage monthly premium for seniors (60s)	Avg. full coverage monthly premium for high-risk drivers
$263	$128	$184

Average cost of car insurance in Maine by provider

Maine has several provider options, including national insurance companies like State Farm and Allstate.

Provider	Full coverage	Minimum liability coverage
Allstate	$122	$63
GEICO	$92	$62
State Farm	$81	$42
Progressive	$70	$50
USAA	$78	$40

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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 $181 for car insurance, nearly double the state average.

Credit health	Avg. monthly full coverage premium
Poor (550-649)	$181
Average (650-699)	$151
Good (700-749)	$143
Excellent (750+)	$129

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.

Violation	Avg. full coverage monthly premium
At-fault accident	$214
DUI	$183
Speeding ticket	$206

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How does age affect car insurance rates in Maine?

Drivers in their 60s have lower average premiums in Maine at $128 per month for full coverage. By contrast, teens pay significantly more, averaging $263 per month.

Age	Avg. monthly premium
Teens	$263
20s	$216
30s	$156
40s	$146
60s	$128

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.

Methodology

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.