)
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.
)
Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
Updated
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
In This Article
Drivers in Maine pay an average of $110 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 Allstate, with monthly rates starting at $40.
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.
USAA has the cheapest average liability rates in Maine, at $40 per month.
In Maine, drivers pay an average of $81 per month for liability-only insurance and $138 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 | 3.9 |
|---|---|
| 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. | $41/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. | $80/mo |
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.
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.
State Farm is a great choice for Maine drivers who want the cheapest auto coverage. The company has some of the lowest 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.
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]
Limited coverage options
Above-average number of complaints with the National Association of Insurance Commissioners (NAIC)[5]
Gap insurance not available
| User Reviews | 4.3 |
|---|---|
| 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. | $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. | $77/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
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. And the company offers only a few optional coverages.
Cheap average premiums
Many discounts available
Offers a member discount program
Available only to eligible military personnel
Few optional coverages available
Above-average number of customer complaints[6]
| User Reviews | 3.6 |
|---|---|
| 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. | 3.9 /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. | $130/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. | $146/mo |
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.
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.
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.
Various discounts available
Many coverage options
Ranked No. 5 for claims satisfaction in the New England region
More expensive than some competitors
Low customer satisfaction rating in the New England region
High number of complaints with the NAIC[7]
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.
Company | Average Monthly Premium |
|---|---|
| USAA | $40 |
| State Farm | $41 |
| Allstate | $63 |
| GEICO | $63 |
| Safeco | $69 |
| Travelers | $72 |
| Direct Auto | $82 |
| National General | $85 |
| Bristol West | $94 |
| The General | $97 |
| Dairyland | $98 |
| Liberty Mutual | $130 |
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
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.
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.
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 | $40 |
| Full coverage | USAA | $77 |
| Teens | USAA | $86 |
| Seniors | USAA | $33 |
| Drivers with a speeding ticket | USAA | $54 |
| Drivers with an at-fault accident | USAA | $55 |
| Drivers with a DUI | USAA | $56 |
| Drivers with excellent credit | State Farm | $35 |
| Drivers with poor credit | USAA | $48 |
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 $81 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.
Average Liability Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 accident, while comprehensive insurance covers non-collision incidents, like theft, vandalism, and weather damage.
Drivers in Maine pay an average of $138 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.
Average Full-Coverage Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $155 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.
Average Rates With a Ticket
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.Causing an accident can significantly increase your insurance premium. 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 $157 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.
Average Rates With an Accident
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.A driving under the influence (DUI) conviction has the most significant effect on car insurance premiums of any incident. Insurers consider DUIs as indicators of extremely risky driving behavior. Some companies refuse to cover drivers with DUIs altogether.[8] Our research found that average rates increase by 61% nationwide after a DUI conviction.
Maine drivers with a DUI conviction pay an average of $147 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 DUIs, according to Compare.com data.
Average Rates With a DUI
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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.[9] Teens also lack driving experience, which can put them at risk.
Teen drivers in Maine pay an average of $265 per month for car insurance. 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.
Average Rates for Teens
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 insurance rates.
Maine seniors pay an average cost of $97 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.
Average Rates for Seniors
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.In Maine, car insurance companies can use your credit 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 $133 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.
Average Rates With Bad Credit
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $110 per month for car insurance, according to Compare.com data. Liability-only insurance costs an average of $81 per month, and full coverage costs an average of $138 per month.
What’s the cheapest auto insurance company in Maine?
USAA offers the cheapest car insurance in Maine, with premiums starting at $40 per month.
Is car insurance in Maine expensive?
It depends. Your car insurance costs depend on many factors, including your address, driving history, deductibles, and age. Maine drivers pay an average of $110 per month for car insurance. That’s compared to the U.S. national average rate of $137 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 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. [10] It recommends considering how much coverage you’d need to protect your assets if you have a claim that exceeds state-minimum amounts.
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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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."
- National Association of Insurance Commissioners. "Consumer Insurance Refined Search Results."
- 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."
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.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
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Learn more about us, our team, and what makes us tick.
)
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.
)
Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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