Maine drivers should assess policy options for the most affordable coverage amid rising car insurance costs
Our team of reviewers has conducted a thorough investigation into leading car insurance companies across the country.
We meticulously scrutinized each provider’s standing, customer contentment, coverage choices, and typical premiums.
In this review, we’ll discuss effective strategies to cut insurance costs and provide details on finding the most economical car insurance in Maine based on your driving record.
Essential Highlights
USAA is the most budget-friendly car insurance in Maine, with $22/month for minimum coverage and $84/month for full coverage.
Auto-Owners and State Farm present cost-effective car insurance rates across various driver profiles as well.
Moreover, individuals under 25 or those with traffic violations on their driving record can anticipate higher-than-average car insurance rate
save on car insurance by choosing minimum coverage, seeking discounts, increasing your deductible, and bundling with other policies.
Also read ;Cheap Car Insurance Montana
Reviewing Car Insurance Providers
Our process ensures unbiased evaluations. We prioritize key qualities for consumer benefit.
Cost Assessment:
Comparing costs among insurers can be challenging due to various factors affecting annual premiums. The cheapest option for one driver may not hold true for another.
Our cost score considers Quadrant Information Services’ rate estimates, available discounts, and consumer reports.
The pricing discussed here reflects average rates for a single male driver, aged 25 to 35, with good credit and a clean driving record.
Liability coverage quotes are based on 50/100/50 limits ($50,000 bodily injury liability per person, $100,000 per accident, and $50,000 property damage liability).
Coverage Evaluation:
Our coverage score analyzes the variety of coverage options, limits, and deductible choices. Ratings also consider additional services and benefits, such as roadside assistance.
Reliability Assessment:
An insurer’s ability to fulfill claims obligations is crucial. Companies with a robust financial strength rating from AM Best excel in this category. Established insurers with a history of reliable service receive positive evaluations.
Service Review:
We delve into customer reviews on platforms like the Better Business Bureau (BBB) to gauge customer experiences.
Insurers with minimal complaints score well. Furthermore, in our evaluation process, we assess the claims process. Specifically, we favor providers with user-friendly claims apps.
Car insurance providers utilize distinct methods to assess driver profiles. Thus, the most economical option for one driver may not be the most cost-effective for you.
For example, here’s a summary of the least expensive auto insurance companies and their pricing for various driver profiles in Maine.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Minimum coverage | USAA | $22 |
| Full coverage | Auto-Owners | $74 |
| 16-year-olds | Auto-Owners | $73 |
| 45-year-olds | USAA | $21 |
| High-risk drivers | State Farm | $32 |
| After a speeding ticket | USAA | $26 |
| After an accident | State Farm | $34 |
| After a DUI | State Farm | $31 |
| Poor credit drivers | USAA | $22 |
*Unless specified otherwise, average costs represent minimum-coverage rates for single male drivers aged 25 to 35 with good credit and a clean driving history.
Which car insurance company offers the most affordable rates in Maine?
In summary, our research highlights USAA as the most cost-effective car insurance option in Maine for diverse driver profiles.
Following this overview, subsequent sections will explore the average monthly costs for both minimum and full coverage provided by the most economical companies in the stat
These rates are applicable to diverse drivers in Maine, encompassing various ages, locations, and driving backgrounds.
The minimum coverage costs of the most budget-friendly companies are presented for clarity.
Also read: Cheap Car Insurance Sacramento
Cheapest Minimum Coverage in Maine:
USAA For those seeking the most economical coverage meeting Maine’s minimum requirements, USAA offers an average monthly cost of about $22 or an annual cost of $269.
| Cheapest Car Insurance in Maine | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| USAA | $22 | $269 |
| Auto-Owners | $27 | $324 |
| State Farm | $28 | $341 |
| GEICO | $30 | $358 |
| Travelers | $30 | $364 |
| Patriot | $31 | $369 |
| MMG | $39 | $468 |
| Farmers | $39 | $472 |
| Allstate | $49 | $583 |
| Progressive | $52 | $629 |
Cheapest Full Coverage in Maine:
Auto-Owners For comprehensive coverage at a great price, Auto-Owners stands out with an average monthly cost of $74.
| Cheapest Car Insurance in Maine | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Auto-Owners | $74 | $885 |
| Travelers | $76 | $916 |
| USAA | $84 | $1,010 |
| State Farm | $100 | $1,201 |
| GEICO | $105 | $1,262 |
| MMG | $116 | $1,394 |
| Patriot | $134 | $1,614 |
| Progressive | $136 | $1,637 |
| Allstate | $157 | $1,884 |
| Farmers | $186 | $2,236 |
Cheapest Car Insurance in Maine: Age Average insurance costs for Maine drivers aged 16 to 55, along with the top five budget-friendly insurers for each age group.
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $136 | $430 |
| 25 | $38 | $129 |
| 35 | $32 | $105 |
| 45 | $30 | $98 |
| 55 | $30 | $95 |
Cheapest Maine Car Insurance:
Young Drivers Teen and early 20s drivers usually pay higher rates due to less driving experience and increased accident risks.
Auto-Owners provides the most affordable rates for 16-year-olds at $73 per month or $877 per year for minimum coverage.
| Cheapest Car Insurance in Maine | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Auto-Owners | $73 | $174 |
| Patriot | $92 | $364 |
| USAA | $94 | $344 |
| GEICO | $109 | $358 |
| Travelers | $112 | $280 |
| State Farm | $113 | $354 |
| MMG | $114 | $324 |
| Allstate | $156 | $465 |
| Farmers | $203 | $856 |
| Progressive | $298 | $780 |
Cheapest Maine Car Insurance for 25-Year-Olds:
USAA USAA offers the most affordable car insurance for young drivers in their 20s, with average rates of $24 per month or $289 per year for minimum coverage.
| Cheapest Car Insurance in Maine | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $24 | $92 |
| Travelers | $30 | $78 |
| Auto-Owners | $31 | $81 |
| State Farm | $31 | $113 |
| GEICO | $33 | $117 |
| Patriot | $36 | $153 |
| Farmers | $43 | $213 |
| MMG | $47 | $132 |
| Allstate | $49 | $167 |
| Progressive | $56 | $149 |
Cheapest Maine Car Insurance:
Adult Drivers Drivers in their 40s generally have the least expensive car insurance rates. Compare average premiums for drivers in their 30s, 40s, and 50s.
| Cheapest Car Insurance in Maine | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $21 | $77 |
| Auto-Owners | $23 | $66 |
| State Farm | $25 | $87 |
| Patriot | $26 | $116 |
| GEICO | $27 | $93 |
| Travelers | $30 | $75 |
| MMG | $31 | $100 |
| Farmers | $36 | $160 |
| Allstate | $48 | $147 |
| Progressive | $49 | $124 |
Cheapest Maine Car Insurance for 45-Year-Olds:
USAA For drivers in their mid-30s, USAA offers the most affordable minimum coverage at an average cost of $21 per month or $248 per year.
| Cheapest Car Insurance in Maine | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $21 | $74 |
| Auto-Owners | $22 | $61 |
| Patriot | $23 | $105 |
| State Farm | $25 | $86 |
| GEICO | $27 | $93 |
| Travelers | $29 | $68 |
| Farmers | $31 | $136 |
| MMG | $31 | $97 |
| Progressive | $48 | $114 |
| Allstate | $48 | $147 |
Cheapest Maine Car Insurance for 55-Year-Olds:
USAA USAA remains a top choice for drivers in their 50s in Maine, offering the most affordable rates at an average of $21 monthly or $248 annually for minimum coverage.
| Cheapest Car Insurance in Maine | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $21 | $74 |
| Auto-Owners | $21 | $61 |
| Patriot | $23 | $102 |
| GEICO | $24 | $84 |
| State Farm | $25 | $84 |
| Travelers | $26 | $61 |
| MMG | $30 | $95 |
| Farmers | $30 | $134 |
| Progressive | $48 | $112 |
| Allstate | $48 | $143 |
Cheapest Maine Car Insurance:
High-risk drivers pay more due to infractions. State Farm offers the most affordable rates for both minimum and full coverage
| Cheapest Car Insurance in Maine | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $32 | $111 |
| USAA | $36 | $131 |
| Auto-Owners | $39 | $107 |
| Travelers | $40 | $107 |
| MMG | $52 | $158 |
| GEICO | $55 | $195 |
| Allstate | $61 | $205 |
| Progressive | $69 | $190 |
| Patriot | $73 | $342 |
| Farmers | $78 | $356 |
Cheapest Maine Car Insurance for Drivers with a Speeding Ticket:
USAA Drivers with a speeding citation may find the most affordable coverage from USAA, with average rates of $26 per month or $306 per year for minimum coverage and $95 per month or $1,142 per year for full coverage.
| Cheapest Car Insurance in Maine | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $26 | $95 |
| Auto-Owners | $31 | $85 |
| State Farm | $31 | $108 |
| Patriot | $34 | $161 |
| Travelers | $38 | $102 |
| MMG | $45 | $140 |
| GEICO | $45 | $159 |
| Allstate | $53 | $176 |
| Progressive | $66 | $187 |
| Farmers | $72 | $300 |
Cheapest Maine Car Insurance for Drivers with an At-Fault Accident:
State Farm After an accident, State Farm tends to offer the most affordable rates, averaging about $34 per month or $409 per year for minimum coverage and $117 per month or $1,117 per year for full coverage.
| Cheapest Car Insurance in Maine | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $34 | $117 |
| USAA | $35 | $127 |
| Patriot | $38 | $164 |
| Travelers | $40 | $106 |
| Auto-Owners | $41 | $111 |
| GEICO | $46 | $164 |
| MMG | $46 | $140 |
| Farmers | $67 | $326 |
| Allstate | $68 | $224 |
| Progressive | $79 | $214 |
Cheapest Maine Car Insurance for Drivers with a DUI:
State Farm For drivers with a DUI on record, State Farm offers the most affordable minimum coverage at an average cost of $31 per month or $372 per year and full coverage at $108 per month or $1,295 annually.
| Cheapest Car Insurance in Maine | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $31 | $108 |
| Travelers | $44 | $114 |
| Auto-Owners | $45 | $124 |
| USAA | $47 | $170 |
| Progressive | $62 | $168 |
| Allstate | $63 | $216 |
| MMG | $65 | $196 |
| GEICO | $73 | $262 |
| Farmers | $94 | $441 |
| Patriot | $148 | $700 |
Cheapest Maine Car Insurance for Drivers with Poor Credit:
USAA is affordable for poor credit drivers, with a $36/month or $431/year minimum-coverage rate and $139/month or $1,669/year for full coverage.
| Cheapest Car Insurance in Maine | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $36 | $139 |
| Auto-Owners | $43 | $131 |
| Patriot | $46 | $206 |
| Travelers | $49 | $123 |
| GEICO | $50 | $177 |
| Allstate | $67 | $240 |
| MMG | $68 | $185 |
| State Farm | $86 | $305 |
| Progressive | $88 | $248 |
| Farmers | $122 | $549 |
Average Cost of Car Insurance in 10 Maine Cities Insurance costs in Maine vary based on location.
Larger cities generally have higher premiums due to increased risk factors.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Lewiston | $39.24 | $117.56 |
| Bangor | $34.92 | $113.05 |
| Portland | $38.58 | $109.90 |
| South Portland | $37.45 | $107.39 |
| Auburn | $38.68 | $114.88 |
| Biddeford | $36.18 | $105.82 |
| Brunswick | $35.24 | $106.45 |
| Augusta | $36.79 | $114.29 |
| Scarborough | $37.14 | $106.50 |
| Saco | $36.90 | $107.43 |
Top 5 car insurers in Maine, rated for coverage, service, and dependability:
| Overall Rating | Cost | Coverage | Reliability | Service |
|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5 |
| #2 Travelers | 4.6 | 4.4 | 4.9 | 4.5 |
| #3 GEICO | 4.5 | 4.2 | 4.2 | 4.9 |
| #4 Progressive | 4.5 | 4 | 4.8 | 4.8 |
| #5 USAA | 4.5 | 4.7 | 4.8 | 4.5 |
*Overall and category ratings are based on nationwide factors.
Cut car insurance costs in Maine:
- Choose minimum coverage: opt
- for the essential coverage required in your state for cheaper rates.
- Hunt for discounts: Seek various discounts like military, good student, or accident-free incentives from insurance providers.
-
Raise your deductible: to cut premiums, but be aware of higher out-of-pocket costs for claims.
- Bundle insurance: Combine auto insurance with homeowners or other coverage for discounted rates.
- Compare quotes: Obtain price estimates from different companies to identify the best offers.
Consider usage-based insurance programs using telematics to monitor driving habits, offering discounts for safe driving.
Certain insurers offer diminishing deductibles and accident forgiveness, lowering deductibles over renewals and avoiding rate increases after the initial accident.
Car insurance requirements in Maine mandate drivers to meet the following minimums:
$100,000 bodily injury liability per accident
$50,000 bodily injury liability per person
$25,000 property damage liability per accident
$100,000 underinsured/uninsured motorist bodily injury coverage per accident
$50,000 underinsured/uninsured motorist bodily injury coverage per person
$2,000 medical payments coverage
Liability coverage addresses injuries and property damage caused by accidents you’re responsible for.
UM/UIM covers your injuries and damages if the at-fault driver lacks adequate auto insurance. Additionally, comprehensive insurance protects against theft, vandalism, floods, fire, and natural disasters, while collision insurance covers car repairs post-accident.
Our Perspective: Optimal Affordable Auto Insurance in Maine
For both minimum and full coverage, USAA emerges as the top and most economical choice for the majority of Maine drivers.
While the aforementioned costs provide a general overview, obtaining a personalized rate is essential for a more precise understanding.
Numerous insurers provide convenient and cost-free methods to obtain online insurance estimates. Alternatively, you can directly engage with an insurance agent or representative.
After collecting quotes from at least three providers, conduct a thorough comparison to identify the most suitable option for your needs
Maine’s Most Affordable Auto Insurance: Frequently Asked Questions
Explore common queries regarding car insurance in Maine:
What is the monthly cost of car insurance in Maine?
The average monthly expense for minimum-coverage car insurance in Maine stands at $35, equivalent to $418 annually.
For full coverage, the average monthly cost is $117, totaling $1,404 annually.
Is car insurance more affordable in Maine?
Maine’s auto insurance generally comes at a lower cost compared to the national average. Nationally, the average annual expense for minimum-coverage insurance is $670, whereas in Maine, it averages $418.
For full coverage, the average annual cost for Maine residents is approximately $1,404, which is below the national average of $2,216 per year.
How We Evaluate Insurance Companies
Our assessment process is designed to provide consistent and impartial evaluations of car insurance providers.
While various factors contribute to the success of a car insurance company, our review team prioritizes those we deem most crucial for consumers:
Cost:
Comparing costs across insurers can be challenging due to the numerous factors influencing annual premiums.
The insurer that is the cheapest for one driver may not hold the same status for another.
To calculate our cost score, we analyze insurance rate estimates from Quadrant Information Services, explore discount opportunities, and consider consumer reports.
Coverage:
Our coverage score considers the variety of coverage options available, coverage limits, and deductible choices. Additionally, we assess additional services and benefits such as roadside assistance.
Reliability:
The ability of an auto insurer to fulfill its claims obligations is paramount. Companies with a robust financial strength rating from AM Best excel in this category. Established insurers boasting a lengthy history of reliable service also garner positive evaluations.
Service:
We delve into customer reviews on platforms like the Better Business Bureau (BBB) to gain insights into customer experiences. Insurers with minimal complaint volumes score well in this aspect.
We also assess the claims process, assigning higher ratings to car insurance providers offering user-friendly claims apps