Maine has some of the cheapest average car insurance rates for full coverage in the United States, according to 2021 data from Bankrate.com. Luckily for Maine drivers, it’s not hard to find cheap car insurance in the state. But finding the best car insurance available goes beyond just looking at average premiums.
To find the best car insurance providers in the state, our team analyzed J.D. Power scores for customer satisfaction, AM Best scores for financial strength, policy offerings, discount options and average premiums. State Farm, Allstate, Progressive and USAA each claimed a spot on the list for the cheapest car insurance in Maine. The best car insurance for you depends on your individual preferences and needs, and the first step is to start your research.
The 4 Best Auto Insurance Companies in Maine
- State Farm: Best for Customer Satisfaction
- Allstate: Best for Online Resources
- USAA: Best for Military-Centric Options
- Geico: Best for Low Rates
Compare the Best Car Insurance Companies in Maine
| Average Price for State Minimum* | Average Price for Full Coverage* | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power Customer Satisfaction** | ||
|---|---|---|---|---|---|
| Pin State Farm | $253 | $811 | A++ (Superior) | 855/1,000 | |
| Pin Allstate | $491 | $1,479 | A+ (Superior) | 810/1,000 | |
| Pin USAA | $196 | $718 | A++ (Superior) | 887/1,000 | |
| Pin Geico | $156 | $578 | A++ (Superior) | 841/1,000 |
Information accurate as of March 2022
*Data provided by Bankrate.com
**J.D. Power 2021 Auto Insurance Satisfaction Study rating for the New England region. Based on a 1,000-point scale. USAA is not officially ranked due to eligibility requirements
Best for Customer Satisfaction
WHY WE CHOSE IT
Why we chose it
Pros
- High customer satisfaction score
- Many coverage options
- Wide range of discounts
Cons
- Does not offer gap insurance
- More complaints filed with the National Association of Insurance Commissioners (NAIC) than average.
TYPES OF COVERAGE OPTIONS
- Collision
- Comprehensive
- Liability
- Rental and travel expense
- Uninsured & underinsured motorist
- Medical payments
- Roadside assistance
- Rideshare driver
DISCOUNTS AVAILABLE
- Safe vehicle
- Accident-free
- Defensive driving
- Student discounts
- Multi-car
- Multiple-policy
- Anti-theft
Best for Online Resources
WHY WE CHOSE IT
Why we chose it
Pros
- Many online resources
- Highly-rated mobile app
- Wide range of standard and unique coverage options
Cons
- High average annual premiums
- Below-average customer satisfaction score from J.D. Power
- More than average complaints filed with the NAIC
TYPES OF COVERAGE OFFERED
- Collision
- Comprehensive
- Liability
- Medical payments
- Uninsured & underinsured motorist
- Custom equipment
- Roadside assistance
- Personal injury protection
- Personal umbrella
- Rental reimbursement
- Classic car insurance
- Mexico car insurance
DISCOUNTS AVAILABLE
- Vehicle safety
- Multi-policy
- Early signing
- Responsible payer
- Smart student
- New car
- Auto-pay
- Paperless billing
- Pay in full
- Safe driving
Best for Military-Centric Options
WHY WE CHOSE IT
Why we chose it
Pros
- Low average annual premiums
- Excellent customer satisfaction
- Offers coverage options and services tailored to military families
Cons
- Only available to military members, veterans and qualifying family members
TYPES OF COVERAGE OFFERED
- Collision
- Comprehensive
- Liability
- Uninsured & underinsured motorist
- Roadside assistance
- Rental reimbursement
DISCOUNTS AVAILABLE
- Garaging your car on a military base
- Bundling
- Anti-theft
- Safe driver
- Good student
- New vehicle
- Multi-vehicle
- Annual mileage
- Family discount
Best for Low Rates
WHY WE CHOSE IT
Why we chose it
Pros
- Low average rates
- Long list of discounts
- Superior AM Best financial strength
Cons
- Few endorsements options
- J.D. Power claims satisfaction is only average
- High average complaint index with the NAIC
TYPES OF COVERAGE OFFERED
- Emergency road service
- Rental reimbursement
- Mechanical breakdown insurance
DISCOUNT AVAILABLE
- Air bag
- Anti-lock brakes
- Anti-theft system
- Daytime running lights
- New vehicle discount
- Good driver
- Seat belt use
- Defensive driving
- Driver’s educational course
- Good student
- Emergency deployment
- Federal employee
- Membership & employee
- Military
- Multi-vehicle
- Multi-policy
* Data provided by Bankrate.com, price based on the state minimum required policy.
**J.D. Power’s 2021 Auto Insurance Satisfaction Study rating for the New England region. Based on a 1,000-point scale. USAA is not officially rated due to eligibility restrictions.
The Average Cost of Car Insurance in Maine
Maine is home to some of the cheapest rates for car insurance in the United States, on average. According to 2021 data from Bankrate.com, drivers in Maine pay an average of $294 per year for the state’s minimum liability coverage and $965 per year for a full coverage policy. Certain Maine insurance carriers offer average rates that are even lower than the state average. If you have a clean driving record, it likely won’t be hard to find an affordable rate on your car insurance.
Other than your state and level of coverage, other factors impact your car insurance rates. Your driving record, claims history and the type of vehicle you drive will likely affect your car insurance premium.
Top 3 Cheapest Car Insurance Companies in Maine
| Company | Average Annual Full Coverage Premium* |
| Geico | $578 |
| USAA | $718 |
| State Farm | $811 |
* Data provided by Bankrate.com
Top 3 Most Expensive Car Insurance Companies in Maine
| Company | Average Annual Full Coverage Premium* |
| Electric Insurance Company | $1,797 |
| Allstate | $1,479 |
| Farmers | $1,320 |
* Data provided by Bankrate.com
Top 3 Cheapest Cities for Car Insurance in Maine
| City | Average Annual Full Coverage Premium* |
| Portland | $960 |
| Bangor | $971 |
| Lewiston | $989 |
* Data provided by Bankrate.com
Top 3 Most Expensive Cities for Car Insurance in Maine
| City | Average Annual Full Coverage Premium* |
| Steuben | $1,013 |
| Milbridge | $1,013 |
| Brooklin | $1,012 |
* Data provided by Bankrate.com
Car Insurance Add-Ons That May Further Protect You
- Gap insurance: This optional coverage helps protect your finances in case your car is stolen or totaled in a covered accident — it ensures you won’t be stuck paying a loan on a car you no longer have.
- Rideshare coverage: Drivers who participate in rideshare may need special coverage in addition to what’s provided by the company they work for.
- Roadside assistance: This optional coverage can help you get a tow service, flat tire change and more if you find yourself stranded.
- New car replacement: This optional coverage offered by a handful of providers guarantees you’ll get a brand new car of the same make and model if your car is totaled.
Guide to Maine Car Insurance
Car insurance laws look a little different in each state, and drivers should always familiarize themselves with the unique laws in their state. Maine insurance laws require drivers in the state to carry at least a minimum amount of liability coverage, along with medical payments coverage. The state also requires drivers to purchase uninsured and underinsured motorist coverage equal to their liability coverage limits.
Maine Minimum Liability Insurance Requirements
Maine requires drivers to carry a minimum amount of bodily injury and property damage liability coverage. Those who drive without insurance, or without proof of insurance, might be subject to fines, license suspension or vehicle registration suspension.
Minimum liability required in the state of Maine is divided as follows:
- $50,000 bodily injury liability per person
- $100,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $50,000 uninsured motorist bodily injury per person
- $100,000 uninsured motorist bodily injury per accident
- $50,000 underinsured motorist bodily injury per person
- $100,000 underinsured motorist bodily injury per accident
- $2,000 medical payments
If you increase your BI liability limits, your UM/UIM will also default to those limits; however, you can reject the automatic increase in writing and it will stay at 50/100.
Certain types of bonds or a declaration from a judge can also satisfy the financial responsibility law.
Medical Payment Coverage
In addition to the standard insurance requirements, Maine drivers also have to carry medical payment coverage of at least $2,000 per person, which covers medical expenses for you and your passengers.
Uninsured & Underinsured Motorist
Uninsured and underinsured motorist coverage is required in Maine. Drivers must carry at least $50,000 per person and $100,000 per accident in uninsured motorist coverage. Drivers in Maine must also carry at least $50,000 underinsured motorist bodily injury per person and $100,000 underinsured motorist bodily injury per accident.
Maine’s At-Fault Law
Maine is an at-fault state for car insurance, which determines how claims are processed and paid out. Typically, in an at-fault state, the at-fault driver’s insurance will pay for the other driver’s damages and medical bills through property damage liability and bodily injury liability coverage, up to the policy’s coverage limits.
Maine Auto Insurance FAQ
Methodology
Reviews.com reviews products, services, and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores, and online resources from each company to determine top providers.
As for average pricing, we used Bankrate.com’s 2021 data of car insurance in Maine, based on the profiles of a 40-year male and female. For full coverage, the details used were the following:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
About the Authors
Lizzie Nealon is an insurance writer from Charleston, South Carolina. She holds a Bachelor’s degree in political science with minors in Spanish and English from Clemson University. Her articles on auto, home and life insurance have been featured in Bankrate and Reviews.com. In her freetime, you can find her cheering on the Tigers or partially completing New Yorker crosswords.
