insurance car insurance

Best Car Insurance in Maine for 2026

To compare the top car insurance providers in Maine, we highlight the best options for different driver needs based on factors like affordability, coverage options, and available discounts.

By Kate Daugherty , Edited by Kristen Cervellini

Updated May 22, 2026

Save up to$600/year

Compare car insurance rates in Ohio

See if lower rates are available

By clicking the button above, I understand and agree that this site uses site visit recording technology (provided by Trusted Form, Jornaya, and Microsoft Clarity) Privacy Policy

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.

Key takeaways

Car insurance costs in Maine can vary widely based on a driver's profile and where they live.
Drivers with a clean driving record pay an average of $140 monthly in Maine for full coverage.

Best car insurance companies in Maine

Our research found that some of the best car insurance options in Maine can be found among several carriers such as GEICO, State Farm, and USAA, thanks to their competitive rates and strong FinanceBuzz star ratings. While certain providers may have higher base premiums, personalized discounts could make them a more affordable choice depending on your driving profile. Comparing quotes from multiple insurers is the best way to find the right coverage at the best price for your specific needs.

Provider	FinanceBuzz Star Ratings	Estimated monthly full coverage	Estimated monthly minimum liability coverage
USAA	5.0 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.	$72	$38
GEICO	5.0 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.	$97	$55
State Farm	4.8 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.	$75	$39
Allstate	5.0 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.	$113	$59
Travelers	4.2 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.	$131	$68

USAA

USAA earned the highest FinanceBuzz star rating available and typically has one of the lower costs in Maine for full and minimum coverage policies, averaging $72 and $38 per month, respectively. 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

High FinanceBuzz star ratings score
Offers multiple discounts, including up to 15% for garaging your car on base

Cons

Only available to military members and their families
You may find more coverage options and discounts with another carrier

Get a quote now | USAA review

Get Custom Quotes Today

Safe Drivers Save with Allstate®

Average Rate:

$ $$ /mo

Get rewarded with savings for having a clean driving record.

Paying too much for car insurance?

Average Rate:

$ $$ /mo

Car insurance can be so simple. And so affordable.

GEICO

The insurance savings you expect.

Average Rate:

$ $$ /mo

Enjoy personalized policies, comprehensive coverage & more.

See how much you could save today!

Average Rate:

$ $$ /mo

Drivers who switch their auto insurance and save with State Farm save $764 on average!

GEICO

GEICO offers some of the most affordable full coverage insurance in Maine. It averages $97 per month for full coverage. GEICO also has the highest star ratings score available. It has various general and specialty policy options, including emergency road service and rental reimbursement.

Pros

Affordable full coverage pricing available in Maine
High FinanceBuzz star ratings score

Cons

Only has one physical GEICO insurance agency in the entire state
May be cheaper minimum insurance available through a competitor

Get a quote now | GEICO review

State Farm

State Farm offers some of Maine's cheapest minimum coverage. It averages $39 per month. It also provided some of the cheapest full coverage, averaging $75 per month, and earned a decently high FinanceBuzz star rating. It has a long list of policy options, but doesn't have some specialty coverages.

Pros

Among the cheapest minimum coverage options available in Maine
Has multiple agents throughout the state

Cons

Does not offer some specialty coverages like gap insurance
Potentially more expensive rates for high-risk drivers

Get a quote now | State Farm review

Allstate

Allstate is one of Maine's more expensive carriers for full and minimum coverages, charging an average of $113 per month for full coverage and $59 per month for minimum. Although it generally costs more, it offers specific policies, like new car replacement, repair provision coverage, and gap insurance for new vehicles.

Pros

Has extensive policy options, including accident forgiveness
Offers multiple discounts, including for new cars with certain safety features

Cons

Tends to have higher premiums for Maine
Only has a few agents throughout the state

Get a quote now | Allstate review

Travelers

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

Offers multiple coverage options, including new car replacement
Could be great option for those looking to bundle policies

Cons

Lower FinanceBuzz star rating than other carriers
Typically can 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 $140 per month for full coverage and $76 per month for minimum coverage.

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.

FAQ

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 a monthly average of $140 for full coverage and $76 per month for minimum coverage.

Which car insurance companies cover Maine?

Maine drivers can choose from several major national insurers like GEICO, State Farm, Progressive, Allstate, and Liberty Mutual, as well as smaller carriers, including Bristol West and Direct Auto.