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Maine drivers seeking affordable car insurance coverage should compare rates with Progressive, USAA, and State Farm when exploring their options.
Maine motorists can expect to pay $145 per month for full-coverage auto insurance, compared to $186 nationally. Your individual premium depends on multiple variables, including your age bracket, claims history, and geographic location. Obtaining rate estimates or quotes from various insurers is the most effective way to identify your best options.
Our analysis examines the cheapest auto insurance in Maine across different coverage tiers, driver histories, and insurance carriers.
Affordable full-coverage car insurance in Maine
Maine residents pay an average of $145 per month for full coverage car insurance, whereas Americans nationwide average $186. Among the cheapest car insurance providers serving the state, Progressive, USAA, and State Farm consistently offer competitive pricing.
| Average monthly full coverage cost | |
| Maine average | $145 |
| National average | $186 |
| Progressive | $77 |
| USAA | $77 |
| State Farm | $80 |
| GEICO | $113 |
Affordable liability-only car insurance in Maine
For Maine motorists seeking the most affordable liability car insurance providers, USAA, State Farm, and Progressive pull ahead again.
Monthly premiums for basic liability protection in Maine typically run $81 per month, on average, while the countrywide average sits at $104.
| Average monthly liability-only cost | |
| Maine average | $81 |
| National average | $104 |
| USAA | $40 |
| State Farm | $41 |
| Progressive | |
| GEICO | $67 |
Cheap car insurance in Maine by age
Age is a significant driver of insurance costs. Car insurance for teens commands the steepest rates, with Maine adolescents facing monthly premiums around $340 because of their more limited road experience.
Premiums tend to dip as drivers enter their twenties, averaging $201 monthly. This downward trend continues through drivers' thirties and forties, with average full-coverage costs of $151 and $146, respectively.
Senior drivers may experience rate increases starting in their sixties. Maine residents in this age bracket pay approximately $131 per month in their sixties, rising to $115 in their seventies.
These age-related premium variations stem from each demographic's perceived risk profile, with inexperienced young drivers and older motorists potentially facing elevated rates related to health considerations and driving patterns.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $340 | $190 |
| 20s | $201 | $112 |
| 30s | $151 | $84 |
| 40s | $146 | $82 |
| 50s | $144 | $80 |
| 60s | $131 | $73 |
| 70s | $115 | $64 |
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Cheap car insurance in Maine for high-risk drivers
Drivers with a history of traffic violations or accidents generally face higher insurance costs. Below are Maine's typical rates for motorists with accidents, speeding citations, or DUI convictions, reflecting average rates for car insurance if you have a bad driving record.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $206 | $115 |
| Speeding ticket | $205 | $114 |
| DUI | $190 | $106 |
Compare low-cost car insurance after an accident
Maine drivers with accident records find economical coverage through Progressive, USAA, and State Farm. Full-coverage monthly premiums for this driver category average $206 in the state of Maine.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Progressive | $109 | |
| USAA | $105 | $54 |
| State Farm | $108 | $55 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Maine motorists with speeding violations on their driving records can find affordable coverage from Progressive, USAA, and State Farm. Full-coverage car insurance costs approximately $205 per month, on average, for drivers in this category.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Progressive | $109 | |
| USAA | $104 | $54 |
| State Farm | $106 | $54 |
Compare low-cost car insurance after DUI conviction
Following a DUI in Maine, drivers seeking budget-conscious comprehensive coverage should check their rates from Progressive, USAA, and State Farm. This type of driver faces average full-coverage premiums of $190.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Progressive | $101 | |
| USAA | $106 | $55 |
| State Farm | $111 | $57 |
Cheap car insurance in Maine by credit score
Maine motorists with excellent credit histories enjoy monthly premiums averaging $135. Conversely, those with poor credit face substantially higher costs of $181 per month.
This pricing disparity illustrates how creditworthiness affects insurance costs, with lower credit ratings leading to higher premiums based on insurers' assessments of payment reliability risks.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $135 | $75 |
| Good | $142 | $79 |
| Average | $149 | $83 |
| Poor | $181 | $101 |
FAQs
What are Maine's minimum car insurance requirements?
Maine requires drivers to carry 50/100/25 liability coverage, meaning $50,000 per person and $100,000 per accident for bodily injury, plus $25,000 for property damage. The state also mandates uninsured/underinsured motorist coverage at 50/100 and medical payments coverage of at least $2,000 per person. These requirements are notably higher than those of most states, providing Maine drivers with stronger baseline protection.
Does Maine require uninsured motorist coverage?
Yes, Maine mandates uninsured and underinsured motorist coverage at 50/100 limits, matching the state's bodily injury liability requirements. In every state, insured drivers can be vulnerable to significant out-of-pocket expenses if struck by an uninsured motorist. Unlike many states where this coverage is optional, Maine requires this protection to ensure accident victims can recover damages regardless of the at-fault driver's insurance status.
How do Maine car insurance rates compare to rates in other states?
Maine consistently ranks among the most affordable states for car insurance, with full coverage averaging around $145 per month compared to the national average of $186. This affordability stems partially from Maine's sparse population density and high ratio of rural roads, both of which can contribute to lower instances of multi-car collisions.
Bottom line
Although these insurers rank among Maine's cheapest car insurance options, they might not represent the best choice for you. Request quotes from several insurance providers and evaluate them against each other by comparing pricing, service ratings, and coverage options.
Data throughout provided by Insurify.
Average rate:
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