The Cheapest Auto Insurance Companies in Maine in 2026
The cheapest auto insurance company in Maine is USAA, with an average monthly rate of $38.
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Writer: Elizabeth RivelliInsurance Writer
Writer: Elizabeth RivelliInsurance Writer
Elizabeth Rivelli is an experienced content writer with expertise in insurance and personal finance. Elizabeth has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance, and she’s written for Compare.com since 2023.
Elizabeth’s byline has been featured in dozens of publications, including Investopedia, Forbes, USA Today, Bankrate, and several insurance companies.
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A seasoned editor and technical journalist, Becky has worked in P&C insurance, home finance, technology and home improvement.
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Reviewer: Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
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Mark serves as a national spokesman for Triple-I. An insurance expert, he's an impartial, independent reviewer for Compare.
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Drivers in Maine pay an average of $108 per month for car insurance. Maine tends to have lower-than-average auto insurance rates due to the state’s small number of licensed drivers.[1] It also has the second-lowest number of uninsured drivers in the U.S.[2]
Many car insurance companies in Maine offer premiums well below the statewide average, including USAA, State Farm, and Progressive, with monthly rates starting at $38.
In this article, we’ll cover the cheapest car insurance companies in Maine for various driver types and explain how to pick the right insurer for your needs. We’ll also share a few tips for saving money on your car insurance.
Key Takeaways
USAA has the cheapest average liability rates in Maine, at $38 per month.
In Maine, drivers pay an average of $75 per month for liability-only insurance and $140 for full coverage.
USAA, State Farm, and Allstate are among our top picks for Maine auto insurers.
The Best Auto Insurance Companies in Maine
Many highly rated insurance companies serve drivers in Maine, but no single insurer is the best for everyone. To simplify your search, we found some of Maine’s top insurers based on a combination of average rates, available car insurance discounts, customer ratings and reviews, and coverages offered.
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $40/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $76/mo |
3.5
A solid option in MaineBased on 1,064 verified guest reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.4 | 2.9 |
How drivers feel about State Farm
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 417 State Farm reviews
Verified Review
Reviewed in Texas on October 4, 2026
I don’t have anything bad to say. I haven’t had any problems with you. I called the other day and spoke with a representative about reducing my payment. She helped me, and I’m satisfied. Thank you.
Verified Review
Reviewed in Oklahoma on October 3, 2026
So far, I’ve had a good experience with this company. For someone my age, they have great rates. I only have liability insurance, but their full coverage is a little pricey.
Verified Review
Reviewed in Texas on October 3, 2026
State Farm agents do not listen to the customer. I said I couldn’t afford monthly payments over $100. I was able to work around the full payment amounts until extreme temperatures resulted in higher electricity bills. I could pay one or the other, or about half of each. I’ll search for more affordable minimum liability coverage for now.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
664
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm is a great choice for Maine drivers who want the cheapest auto coverage. The company has some of the lowest average premiums and offers a variety of discounts for even more savings. Plus, State Farm ranks highly for customer and claims satisfaction.
That said, the company offers few ways to customize your coverage.
Pros
Affordable average premiums
Ranked No. 2 in the New England region for customer satisfaction by J.D. Power[3]
Above-average claims satisfaction ranking[4]
Cons
Doesn’t offer accident forgiveness coverage
Policies must be purchased through local state farm agents
Gap insurance restricted to State Farm Bank customers
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $38/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $73/mo |
4.2
Best choice in MaineBased on 217 verified guest reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.6 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 93 USAA reviews
Verified Review
Reviewed in Tennessee on September 23, 2026
Poor rates; they’re too high.
Verified Review
Reviewed in Kentucky on September 22, 2026
Too high.
Verified Review
Reviewed in Georgia on September 21, 2026
I was a member for 23 years, but then I shopped around and saved big time elsewhere.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
741
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
USAA has some of the cheapest average premiums in Maine for qualifying drivers, based on Compare.com data. The company also offers many discounts and two usage-based insurance (UBI) programs for safe and low-mileage drivers.
But USAA only insures active-duty and retired military servicemembers and their immediate families.
Pros
Cheap average premiums
Many discounts available
Offers a member discount program
Cons
Coverage restricted to members of the military community
No local offices
Doesn’t offer 24/7 customer service
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.2 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $93/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $131/mo |
4.2
Best choice in MaineBased on 163 verified guest reviews and ratings
Liberty Mutual's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.0 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.0 | 2.9 |
How drivers feel about Liberty Mutual
Customers appreciate the excellent customer service and efficient claim processing but are frustrated with the high and consistently increasing premiums. Some also found the website difficult to navigate.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 68 Liberty Mutual reviews
Verified Review
Reviewed in California on October 4, 2026
Great company.
Verified Review
Reviewed in Arizona on September 12, 2026
They only care about the cost.
Verified Review
Reviewed in Pennsylvania on September 4, 2026
My rate went up $68, and no reason was given.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
626
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Liberty Mutual stands out for its excellent selection of car insurance discounts. The insurer offers savings for homeowners, military members, good students, bundling your policies, buying a policy online, and more. Liberty Mutual also offers many coverage options, making it a good choice if you want to customize your policy.
But Liberty Mutual can be more expensive than other insurers in Maine. The company also has a high number of complaints with the NAIC.
Pros
Various discounts available
Many coverage options
Ranked No. 5 for claims satisfaction in the New England region
Cons
More expensive than some competitors
RightTrack telematics program could raise your rates if it detects poor driving habits
High number of complaints with the NAIC[5]
The Cheapest Car Insurance Quotes in Maine
Knowing the average rates can help you make a decision when shopping for car insurance in Maine. But several insurers offer rates below the statewide average.
This table shows the cheapest insurers in Maine and their average monthly premium for liability-only insurance, according to Compare.com data.
The below rates in Maine are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| USAA | $38 |
| State Farm | $40 |
| Progressive | $52 |
| GEICO | $55 |
| Safeco | $69 |
| Travelers | $70 |
| Allstate | $72 |
| Direct Auto | $78 |
| National General | $86 |
| Bristol West | $93 |
| Liberty Mutual | $93 |
| The General | $93 |
| Dairyland | $96 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Wednesday, September 30 at 5:00 PM PDT.
How Much Car Insurance Do You Need in Maine?
)
Maine, like nearly every state, requires all drivers to have car insurance. Maine’s minimum-coverage requirements include:
$50,000 per person and $100,000 per accident of bodily injury liability coverage
$25,000 per accident of property damage liability coverage
$50,000 per person and $100,000 per accident of uninsured/underinsured motorist bodily injury liability coverage
$2,000 per person of medical payments coverage
Should you buy full-coverage insurance in Maine?
A full-coverage policy includes liability, comprehensive, and collision coverage. Many drivers find it valuable because it pays for your injuries and vehicle damage if you’re at fault in a car accident. In contrast, state-minimum coverage doesn’t pay for damage to your car — only the other driver’s damages and medical expenses.
But if your car isn’t worth much or you drive an older vehicle, you might be able to skip full coverage if you can afford to repair or replace it yourself.
Keep in mind, though, that if you lease or finance your vehicle, your lender will require you to have full coverage for the length of the loan.
Other car insurance coverage options in Maine
Maine doesn’t require the following types of car insurance coverage, but you might consider adding them to your policy for better protection.
Comprehensive coverage: Comprehensive insurance covers non-collision damage, such as hail, windstorms, theft, or vandalism.
Collision coverage: Collision insurance pays to repair your vehicle if you’re in an accident — even if you’re at fault.
Roadside assistance: If you need a tow, jump-start, fuel delivery, flat-tire change, or lockout services, roadside assistance can help cover the costs.
Gap insurance: If you total your car, gap insurance covers the difference between your outstanding loan balance and claim settlement.
Estimated Cost: $187 per month
Category | Price |
|---|---|
| $78 | 3.7% |
| $97 | 5.6% |
| $115 | 7.0% |
| $134 | 7.5% |
| $153 | 8.4% |
| $172 | 8.4% |
| $190 | 7.6% |
| $209 | 7.5% |
| $228 | 6.8% |
| $246 | 6.1% |
| $265 | 5.2% |
| $284 | 4.8% |
| $302 | 4.2% |
| $321 | 3.5% |
| $340 | 3.2% |
| $359 | 2.8% |
| $377 | 2.3% |
| $396 | 2.1% |
| $415 | 1.8% |
| $433 | 1.6% |
40.5% of drivers like you pay less for car insurance. Compare quotes to save up to $1308 per year.
We sourced the figures you see here from Compare.com's database of more than 58 million real-life car insurance quotes. Actual rates may vary based on your unique driver profile.
Cheapest Car Insurance in Maine by Driver and Coverage Type
The cheap car insurance companies mentioned above give you a good starting point for finding affordable coverage. But your actual costs can vary based on rating factors like your age, driving record, gender, and address.
The table below shows the cheapest companies for different driver profiles and coverage types, according to Compare.com data.
Driver or Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | USAA | $38 |
| Full coverage | USAA | $73 |
| Teens | USAA | $79 |
| Seniors | USAA | $31 |
| Drivers with a speeding ticket | USAA | $52 |
| Drivers with an at-fault accident | USAA | $55 |
| Drivers with a OUI | USAA | $52 |
| Drivers with excellent credit | USAA | $33 |
| Drivers with poor credit | USAA | $47 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
Cheapest liability-only coverage in Maine: USAA
Maine requires drivers to have a minimum amount of car insurance. A state-minimum coverage policy includes 50/100/25 of personal liability insurance, 50/100 of uninsured/underinsured motorist (UM/UIM) insurance, and $2,000 of medical payments coverage.
A minimum-coverage policy is the cheapest car insurance you can get in Maine, but most experts recommend purchasing more than the required coverage. If you cause an accident, a minimum-coverage policy might not fully cover your financial responsibilities. Plus, minimum coverage doesn’t provide coverage for damage to your vehicle.
Maine drivers pay an average of $75 per month for liability-only insurance. If you need the minimum amount of coverage, the table below shows the five cheapest companies, according to Compare.com research.
The below rates in Maine are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Average Liability Rates by Company
Company | Average Monthly Premium |
|---|---|
| USAA | $38 |
| State Farm | $40 |
| Progressive | $52 |
| GEICO | $55 |
| Safeco | $69 |
| Travelers | $70 |
| Allstate | $72 |
| Direct Auto | $78 |
| National General | $86 |
| Bristol West | $93 |
| Liberty Mutual | $93 |
| The General | $93 |
| Dairyland | $96 |
Cheapest full coverage: USAA
Most drivers in Maine can benefit from a full-coverage insurance policy. Full coverage provides more financial protection in an accident, even if you’re not at fault. Lenders typically require you to buy full coverage if you lease or finance your car.
In addition to liability insurance, full coverage typically includes collision and comprehensive coverage. Collision coverage pays to repair or replace your vehicle after an at-fault accident, while comprehensive insurance covers non-collision incidents, like theft, vandalism, and weather damage.
Drivers in Maine pay an average of $140 per month for full-coverage insurance. Although full coverage costs more than minimum coverage, several insurers offer full coverage for close to the average liability price in Maine.
The chart below shows the five cheapest insurance companies in Maine for full coverage, according to Compare.com data.
The below rates in Maine are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Average Full-Coverage Rates by Company
Company | Average Monthly Premium |
|---|---|
| USAA | $73 |
| State Farm | $76 |
| GEICO | $95 |
| Safeco | $106 |
| Liberty Mutual | $131 |
| Travelers | $132 |
| Allstate | $141 |
| Direct Auto | $149 |
| National General | $169 |
| Bristol West | $185 |
| The General | $187 |
| Dairyland | $250 |
Compare Real-Time Car Insurance Quotes in Maine
Rates in Maine start at $38 per month.
Excellent
4.6 out of 5 based on 841 reviews
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Cheapest after a speeding ticket: USAA
Getting a speeding ticket can cause your premium to increase when your policy renews. Speeding makes you riskier to insure because it indicates that you engage in unsafe driving behaviors, which makes an accident more likely. Our research shows that a single speeding ticket causes average rates to increase by 37% nationwide.
Drivers in Maine with a recent speeding ticket pay an average premium of $153 per month. But a few insurers offer lower rates.
Here are the five cheapest insurance companies in Maine for people with a recent ticket, according to Compare.com data.
The below rates in Maine are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Average Rates With a Ticket
Company | Average Monthly Premium |
|---|---|
| USAA | $52 |
| State Farm | $54 |
| Progressive | $74 |
| GEICO | $76 |
| Travelers | $96 |
| Safeco | $96 |
| Allstate | $102 |
| Direct Auto | $105 |
| National General | $114 |
| Bristol West | $125 |
| Liberty Mutual | $126 |
| Dairyland | $127 |
| The General | $132 |
Cheapest after an accident: USAA
Causing an accident can significantly increase your insurance premium for at least three years. According to our research, a single at-fault accident causes average rates to increase by 41% nationwide.
Drivers in Maine with a recent at-fault accident pay an average of $164 per month for auto insurance, according to Compare.com data. But the five insurers in the chart below might offer lower-than-average rates.
Here are Maine’s five cheapest insurers for drivers with an at-fault accident, according to our research.
The below rates in Maine are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Average Rates With an Accident
Company | Average Monthly Premium |
|---|---|
| USAA | $55 |
| State Farm | $57 |
| GEICO | $78 |
| Progressive | $79 |
| Travelers | $102 |
| Safeco | $103 |
| Allstate | $109 |
| Direct Auto | $114 |
| National General | $123 |
| Bristol West | $133 |
| Liberty Mutual | $133 |
| Dairyland | $136 |
| The General | $137 |
Cheapest after a OUI: USAA
An operating under the influence (OUI) conviction has the most significant effect on car insurance premiums of any incident. Insurers consider OUIs as indicators of extremely risky driving behavior. Some companies refuse to cover drivers with DUIs altogether.[6] Our research found that average rates increase by 61% nationwide after a OUI conviction.
Maine drivers with a OUI conviction pay an average of $141 per month for car insurance. But you might find more affordable premiums from insurers that specialize in high-risk drivers.
The table below shows the five cheapest insurers in Maine for drivers with OUIs, according to Compare.com data.
The below rates in Maine are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Average Rates With a DUI
Company | Average Monthly Premium |
|---|---|
| USAA | $52 |
| State Farm | $55 |
| Progressive | $68 |
| GEICO | $76 |
| Allstate | $94 |
| Travelers | $96 |
| Safeco | $105 |
| Direct Auto | $107 |
| National General | $117 |
| The General | $124 |
| Bristol West | $127 |
| Liberty Mutual | $127 |
| Dairyland | $131 |
Cheapest for teens: USAA
Teens often pay the most expensive car insurance rates of any age group. Data shows that young drivers between the ages of 16 and 19 have the highest accident rate among any age group.[7] Teens also lack driving experience, which can put them at risk.
Teen drivers in Maine pay an average of $254 per month for a standalone car insurance policy. But you can still find a good deal if you’re a young driver or have one on your policy.
In the table below, you’ll find the five cheapest car insurance companies in Maine for teens, according to Compare.com data.
The below rates in Maine are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Average Rates for Teens
Company | Average Monthly Premium |
|---|---|
| USAA | $79 |
| State Farm | $87 |
| GEICO | $114 |
| Progressive | $122 |
| Safeco | $159 |
| Travelers | $163 |
| Allstate | $169 |
| Direct Auto | $172 |
| Liberty Mutual | $187 |
| Bristol West | $188 |
| Dairyland | $190 |
| The General | $192 |
| National General | $192 |
Cheapest for seniors: USAA
Seniors pay the lowest rates of any age group. Older drivers tend to have more experience and drive less frequently, which means they typically have cheaper average insurance rates.
Maine seniors pay an average cost of $93 per month for car insurance. Even with these low average rates, you can probably find a better deal from several companies.
The chart below shows the five cheapest insurers in Maine for seniors, according to our research.
The below rates in Maine are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Average Rates for Seniors
Company | Average Monthly Premium |
|---|---|
| USAA | $31 |
| State Farm | $31 |
| GEICO | $44 |
| Progressive | $45 |
| Travelers | $56 |
| Safeco | $60 |
| Allstate | $62 |
| Direct Auto | $64 |
| National General | $67 |
| Liberty Mutual | $77 |
| Bristol West | $77 |
| The General | $79 |
| Dairyland | $81 |
Cheapest for bad credit: USAA
In Maine, car insurance companies can use your credit-based insurance score when calculating premiums. Your credit history can indicate your likelihood of filing a claim or missing payments. Drivers with poor credit pay 20% more for car insurance than drivers with excellent credit, according to our research.
Maine drivers with poor credit pay an average of $135 per month for car insurance. But not all insurance companies use credit to calculate premiums, and some offer affordable rates regardless of your credit history.
Below, you can see the five cheapest car insurance companies in Maine for drivers with poor credit, based on Compare.com data.
The below rates in Maine are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Average Rates With Bad Credit
Company | Average Monthly Premium |
|---|---|
| USAA | $47 |
| State Farm | $58 |
| GEICO | $65 |
| Progressive | $65 |
| Travelers | $83 |
| Safeco | $85 |
| Allstate | $90 |
| Direct Auto | $97 |
| National General | $106 |
| Liberty Mutual | $111 |
| Bristol West | $115 |
| The General | $115 |
| Dairyland | $119 |
Find the Best Company for You
Rates start as low as $38 per month.
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Maine Auto Insurance FAQs
We answered some common questions from Maine drivers about car insurance in the Pine Tree State. Check them out below.
How much is car insurance in Maine?
Maine drivers pay an average of $108 per month for car insurance, according to Compare.com data. Liability-only insurance costs an average of $75 per month, and full coverage costs an average of $140 per month.
What’s the cheapest auto insurance company in Maine?
USAA offers the cheapest car insurance in Maine, with premiums starting at $38 per month.
Is car insurance in Maine expensive?
It depends. Your car insurance costs depend on many factors, including your ZIP code, driving history, deductibles, and age. Maine drivers pay an average of $108 per month for car insurance. That’s compared to the U.S. national average rate of $143 per month.
At what age is car insurance cheapest?
Seniors typically pay the cheapest car insurance rates because they have more experience and tend to drive less frequently. But many factors affect your premium besides your age, including your location and coverage choices.
What’s the best car insurance company in Maine?
There’s no single “best” car insurance company for every driver. But we found that USAA and State Farm are among the best options in Maine. Both companies offer relatively affordable average rates, high J.D. Power customer and claims satisfaction scores, and various add-on coverages to customize your policy.
Is minimum coverage enough in Maine?
Not really. While Maine state law requires only that you have minimum coverage to drive legally, most experts recommend buying coverage limits above the state minimum.
The State of Maine Bureau of Insurance says that “the minimum requirements are a starting point” and that these low amounts may not be enough to protect you. [8] It recommends considering how much coverage you’d need to protect your assets if you have a claim that exceeds state-minimum amounts.
Sources
- Federal Highway Administration. "Table DL-1C - Highway Statistics 2022 - Policy."
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- J.D. Power. "2024 U.S. Auto Insurance Study."
- J.D. Power. "2024 U.S. Auto Claims Satisfaction Study."
- National Association of Insurance Commissioners. "Consumer Insurance Refined Search Results."
- Colorado State Patrol Department of Public Safety. "Insurance Implications."
- Centers for Disease Control and Prevention. "Teen Drivers."
- State of Maine Bureau of Insurance. "Insurance Required by Law."
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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About Compare.com
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
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Learn more about us, our team, and what makes us tick.
Writer: Elizabeth RivelliInsurance Writer
Writer: Elizabeth RivelliInsurance Writer
Elizabeth Rivelli is an experienced content writer with expertise in insurance and personal finance. Elizabeth has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance, and she’s written for Compare.com since 2023.
Elizabeth’s byline has been featured in dozens of publications, including Investopedia, Forbes, USA Today, Bankrate, and several insurance companies.
Editor: Becky HelzerEditor
Editor: Becky HelzerEditor
Qualifications:
15+ years in editing and content production
7+ years in insurance and personal finance content
A seasoned editor and technical journalist, Becky has worked in P&C insurance, home finance, technology and home improvement.
Reviewer: Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
Qualifications:
Triple-I's media relations director
20+ years in insurance
Mark serves as a national spokesman for Triple-I. An insurance expert, he's an impartial, independent reviewer for Compare.