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The Best Cheap Maine Car Insurance for 2023

Kailey Hagen
By: Kailey Hagen

Our Insurance Expert

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Maine auto insurance premiums are pretty reasonable, but they vary a lot by company. Those seeking the cheapest car insurance in Maine can save themselves time by focusing their search on the right insurers. Here are the ones that offer the most affordable rates for several common driver profiles.

  • Best for typical drivers: Geico
  • Best for drivers with prior accidents: Concord Group Insurance
  • Best for drivers with prior speeding tickets: Concord Group Insurance
  • Best for young drivers: Concord Group Insurance
  • Best for senior drivers: Geico
  • Best for drivers looking for minimum coverage: Geico
  • Best for drivers with poor credit: Concord Group Insurance

Best for typical drivers

The average 35-year-old female with a clean record pays $1,877 per year for Maine auto insurance, while the average male pays $1,926 per year. Both can save considerably by going with Geico. Its average annual premium is just $714 for women and $692 for men.

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These insurers also make the list of the best car insurance companies in Maine:

  • Concord Group Insurance, which charges men $879 per year and women $798 per year on average
  • Countryway Insurance, where the average annual premium is $1,192 for female drivers and $1,298 for male drivers

Best for drivers with prior accidents

Drivers with an accident history may want to consider Concord Group Insurance. Its average annual premium of $1,139 for drivers with a single accident is less than half the state average of $2,590 for these drivers.

These companies also offer some of the best car insurance in Maine to drivers with accidents on their record:

  • Geico, where drivers with one accident pay $1,263 per year for Maine auto insurance
  • MMG Insurance, where these drivers pay about $1,471 annually

Best for drivers with prior speeding tickets

Concord Group Insurance also offers cheap auto insurance in Maine to drivers with speeding tickets. Those with a single speeding ticket only pay $1,013 with Concord, well below the $2,434 state average.

Drivers with speeding tickets can also find cheap car insurance quotes in Maine with these companies:

  • Geico, where drivers with one speeding ticket pay about $1,202 per year
  • MMG Insurance, where these drivers pay an average annual premium of $1,502

Best for young drivers

The average 18-year-old driver pays $5,634 for Maine auto insurance. But those who choose Concord Group Insurance only pay about $1,740 per year.

These companies also offer affordable car insurance in Maine to teens:

  • Geico, where the average 18-year-old driver pays about $2,388 per year
  • Countryway Insurance, which charges teens about $2,541 per year on average for Maine auto insurance

Best for senior drivers

Seniors pay about $1,699 annually for Maine auto insurance on average. But those who go with Geico can knock over $1,000 off that bill. Geico only charges the average 65-year-old about $639 per year.

These companies also offer great deals on Maine auto insurance to seniors:

  • Concord Group Insurance, where seniors pay about $807 annually
  • Travelers, which charges 65-year-old drivers about $1,063 annually

Best for drivers looking for minimum coverage

Maine minimum car insurance runs drivers about $643 per year. That's not bad, but those looking for the best possible deal should check out Geico. It offers this coverage for just $258 per year.

Drivers can also find cheap liability car insurance in Maine with these companies:

  • Concord Insurance, where minimum Maine auto insurance costs $355 per year
  • Patriot Insurance, which charges drivers $374 per year for state minimum coverage

Best for drivers with poor credit

Bad credit raises the average Maine auto insurance premium to $3,374 per year. Once again, Concord Group Insurance is able to offer these drivers a much lower rate. Its average annual premium for this group is just $1,188.

Drivers with poor credit can also find affordable Maine auto insurance with these companies:

  • Geico, which charges these drivers about $1,282 per year
  • Countryway Insurance, where drivers with bad credit pay about $1,851 per year

Average car insurance cost in Maine compared to the national average

How much is car insurance in Maine? That depends on the individual driver's age, driving record, vehicle make and model, credit score, and more.

But typically, Maine auto insurance rates are pretty close to the national average, except for those with an accident on their record. These drivers tend to pay below-average rates. Here's a look at how average Maine auto insurance rates for several of the driver profiles above stack up to the rest of the country.

Average Rate Category Maine National Average
Overall $2,340 $2,646
Young drivers $5,634 $5,988
1 accident on driving record $2,590 $3,092
1 speeding ticket on driving record $2,434 $2,766
Source: Quadrant Information Services data

Maine auto insurance laws

Here are some Maine car insurance laws drivers should familiarize themselves with.

Maine is an at-fault auto insurance state

In at-fault states like Maine, the driver found to be at fault in an accident must pay for the damages to all parties involved. This is different from no-fault states where each driver typically bills their own insurance for medical expenses resulting from a car accident.

Consequences for driving without insurance in Maine

Drivers who skip Maine auto insurance could face the following consequences:

  • Fines between $100 and $500
  • Suspension of driver's license and registration until the driver can provide proof of current insurance

Maine minimum coverage requirements

According to the Maine Bureau of Insurance, all drivers must carry at least the following Maine auto insurance.

Bodily injury liability coverage

Drivers must have at least:

  • $50,000 of bodily injury liability per person
  • $100,000 of bodily injury liability coverage per accident

Property damage liability coverage

In addition, drivers must have at least $25,000 of property damage liability coverage.

Medical payments coverage

Drivers must carry at least $2,000 in medical payments coverage. This protects them and their passengers if they are injured in an accident.

Uninsured/underinsured motorist coverage

Drivers must have uninsured/underinsured motorist coverage in the same quantities as the bodily injury liability coverage discussed above ($50,000 per person and $100,000 per accident). This kicks in if the policyholder is hit by an uninsured driver or a driver without enough coverage to pay the full cost of the damages.

How to get cheap auto insurance in Maine

Drivers seeking low-cost car insurance in Maine can consider taking these steps:

  • Get quotes from several insurers. Each company weighs risk a little differently, which is why they all provide different quotes. Compare quotes from at least three or four companies before purchasing a policy to see which offers the best deal.
  • Claim all possible discounts. Insurers apply most car insurance discounts to qualifying drivers' premiums automatically. But motorists need to opt in to a few, like driver monitoring programs.
  • Consider a higher deductible. Choosing a higher deductible means larger out-of-pocket costs in the event of an accident, but it also brings lower monthly premiums.

Other things to consider when looking for car insurance in Maine

Here are a few other things for drivers to bear in mind when shopping for Maine auto insurance.

State minimum coverage may not always be enough

Maine's minimum coverage requirements are actually higher than those in many other states. But that still may not be enough in every situation. Severe accidents resulting in injuries could exceed state minimum coverage, leaving the policyholder to cover the rest on their own. When possible, it's often a good idea to purchase higher coverage limits to reduce this risk.

Coverage for the policyholder's own vehicle costs extra

Drivers who want help repairing their own vehicle after an accident will need to add collision and comprehensive coverage. Collision coverage pays for repairs following a single-car accident or a multi-car accident where the policyholder is at fault. Comprehensive coverage pays for animal-vehicle collisions, theft, vandalism, damage due to bad weather, and more.

Need homeowners insurance? Check out The Ascent's guide to the best cheap Maine homeowners insurance.

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