INSURANCE - CAR INSURANCE

Best Car Insurance in Maine for 2024

Updated March 11, 2024
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USAA generally offers the best car insurance in Maine.

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Driving through Maine, you can easily appreciate the stunning landscape and scenic towns along its 3,500-mile coastline. Thankfully, the affordable cost of car insurance in the Pine Tree State makes appreciating the scenery even easier.

In this article

Key takeaways

  • The best car insurance in Maine is USAA, which costs $634 per year for comprehensive coverage.
  • Drivers with a clean driving record pay an average of $76 monthly in Maine.
  • Lewiston drivers tend to pay the most in the state, an average of $1,267 a year.

Best car insurance companies in Maine

Our research found that the best car insurance in Maine is generally USAA, based on customer satisfaction and pricing. Allstate offered the highest pricing on full and minimum liability car insurance, costing more than double USAA’s minimum coverage. Travelers was a more expensive option and earned the lowest customer satisfaction score on our list.

Provider J.D. Power customer satisfaction rating Estimated annual full coverage Estimated annual minimum liability coverage
USAA 896/1,000 $634/year $211/year
GEICO 836/1,000 $734/year $316/year
State Farm 829/1,000 $771/year $300/year
Allstate 816/1,000 $1,206/year $555/year
Progressive 802/1,000 $1,000/year $508/year
Travelers 782/1,000 $824/year $456/year

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USAA: Highest customer satisfaction

USAA earned the highest customer satisfaction scores on our list and has the lowest pricing in Maine for full and minimum coverage policies, averaging $634 and $211 annually. While USAA is an excellent choice, its policies are only available to current and former military members and their families. If you qualify, you can find traditional coverages, but you may find more specialty options elsewhere.

Pros
  • USAA has the cheapest coverage in Maine for those who qualify
  • It has multiple discounts, including up to 15% for garaging your car on base
Cons
  • USAA insurance is not available to everyone
  • You may find more coverage options and discounts with another carrier

Get a quote now | USAA review

GEICO: Most affordable coverage

GEICO offered the most affordable full coverage insurance in Maine available to the general public. It averages $734 yearly for full coverage, but its minimum coverage was $316 annually, third behind State Farm. GEICO also had the second-highest customer satisfaction score in Maine. It has various general and specialty policy options, including emergency road service and rental reimbursement.

Pros
  • GEICO has the best full coverage pricing available to all residents in Maine
  • It earned the second-highest customer satisfaction score
Cons
  • GEICO only has one insurance agent in the entire state
  • You may find cheaper minimum insurance with a competitor

Get a quote now | GEICO review

State Farm: Best budget pick

While you might find better pricing on full coverage insurance elsewhere, State Farm offers Maine’s second cheapest option for minimum coverage. It averages $300 annually, just ahead of GEICO. It also provided the third cheapest full coverage, averaging $771 annually, and earned the third-highest customer satisfaction score. It has a long list of policy options but doesn’t have some specialty coverages.

Pros
  • State Farm is the cheapest minimum coverage option available to everyone in Maine
  • It has multiple agents throughout the state
Cons
  • It does not offer some specialty coverages like gap insurance
  • It earned third place in customer satisfaction

Get a quote now | State Farm review

Allstate: Best for new cars

Allstate is Maine's most expensive carrier for full and minimum coverages on our list (an average of $1,206 and $555 annually). Although it costs more, it offers specific policies, like new car replacement, repair provision coverage, and gap insurance for new vehicles.

Pros
  • Allstate has extensive policy options, including accident forgiveness
  • It offers multiple discounts, including for new cars with certain safety features
Cons
  • Allstate had the most expensive coverage on our list
  • It only has a few agents in the state

Get a quote now | Allstate review

Travelers: Best for multi-driver discounts

Travelers is not the cheapest option for full or minimum car insurance in Maine, but it does offer discounts for those who bundle policies. If you have a home/condo and auto policy with Travelers, you can save up to 13%. Or, if you have more than one vehicle or own a home, you may also qualify for additional discounts.

Pros
  • Travelers has multiple coverages, including new car replacement
  • It offers multiple accident forgiveness options
Cons
  • Travelers earned the lowest customer service ratings on our list
  • You can likely find lower pricing with a competitor

Get a quote now | Travelers review

Maine auto insurance requirements

Like most states, Maine requires that all drivers have minimum levels of insurance to drive legally. The minimum required limits are:

  • $50,000 per person and $100,000 per accident in bodily injury liability
  • $25,000 in property damage liability
  • $2,000 per person in medical payment coverage
  • $50,000 per person and $100,000 per accident in uninsured/underinsured motorist (UM)

How to choose a car insurance provider in Maine

If you’re looking for a new car insurance provider in Maine, consider the following:

  • Ask for reviews: Read websites like the Better Business Bureau to see how the insurance carrier handles customer complaints. Asking friends and family members for recommendations is also a good idea, especially if you are new to the area.
  • Compare quotes: Get quotes and coverage options from at least three companies to compare prices accurately. Confirm that the quotes match your current coverage types and levels and that you get all the discounts you qualify for.
  • Check a company’s financial health: Use a website like AM Best to confirm the insurance company is financially able to pay claims. It’s also wise to verify that the company is licensed in Maine by checking the Maine Bureau of Insurance or the National Association of Insurance Commissioners (NAIC).

How much does car insurance cost in Maine?

Even at its most expensive, car insurance in Maine is cheaper than it is in many other states. The average cost of car insurance in Maine is $920 a year for full coverage and $372 annually for minimum coverage. 

Drivers in Portland pay the least for car insurance, an average of $1,068 yearly, while drivers in Lewiston pay the most, an average of $1,267 yearly.

Maine car insurance rates by city

Although Lewiston drivers generally pay less for car insurance than the rest of the country, rates are still higher than in other places in Maine. The higher rates are likely due to a higher property crime rate. According to neighborhood analytics site NeighborhoodScout, Lewiston residents have a one in 55 chance of being a victim of a property crime.

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

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the best 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 Maine

What are the minimum car insurance coverage requirements in Maine?

Maine's minimum car insurance coverage requirements are $50,000 per person and $100,000 per accident in bodily injury liability. Drivers must also have $25,000 in property damage liability and $2,000 per person in medical payments coverage, although higher rates are recommended if you can afford it.

Finally, Maine drivers must also have $50,000 per person and $100,000 per accident in uninsured/underinsured motorists (UM) coverage.

How much does car insurance cost in Maine?

Car insurance in Maine costs an annual average of $920 for full coverage and $372 for minimum coverage. 

Which car insurance companies cover Maine?

Many car insurance companies cover Maine, including USAA, Allstate, State Farm, Progressive, Travelers, and GEICO. 

What is the cheapest car insurance company in Maine?

The cheapest car insurance company in Maine is USAA, which costs $634 a year for full coverage and $211 for minimum coverage. However, USAA is only available to military members and their families.

GEICO has the lowest full coverage insurance available to all, averaging $734 annually. State Farm has the lowest minimum coverage, averaging $300 per year.

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Author Details

Kate Daugherty Kate Daugherty is a professional writer with a passion for providing others the head start they deserve on their financial journeys. Largely self-taught, Kate relied on books, blogs, and trial-and-error to learn how to budget and save for the future, all while working to pay back about $15,000 in student loans.