Compare Car Insurance Quotes in Maine
Jerry is a free app trusted by 2,322 Maine drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Average Maine car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $153 a month for state minimum and $382 a month for full coverage. But in Maine, Jerry drivers pay less:
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$46 to $91 per month for state-mandated minimum coverage.
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$93 to $183 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often find lower rates. Over the last 12 months, Jerry has helped Mainers save an average of $940 per year on coverage just by comparing their options.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
We make that process simple. Use the Jerry app to compare coverage and finalize your Maine policy in under 10 minutes. It is free to compare and we never sell your personal info so you don’t have to worry about spam calls. Do it all digitally, or connect with a licensed agent whenever you need expert guidance.
Keep in mind that your insurance cost will depend on things like your car model, how much you drive, and your claims history. Here are some full coverage rates that Jerry drivers in Maine have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
Maine homeowners face harsh winters with heavy snowfall, ice dams, and nor’easters that can cause significant property damage. Coastal properties also carry storm surge risk. Bundling home and auto insurance is a smart strategy to manage these costs.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Maine drivers are paying with Jerry
Comparing quotes from multiple insurers is the simplest way to make sure you’re getting the right coverage at the right price. Whether you’re building a new policy, matching your current one or looking for the cheapest car insurance in Maine, it pays to see what’s out there.
That matters in states like Maine, where driving conditions change with the seasons and the geography. Portland-area drivers deal with more congestion and higher rates, while those in the midcoast, western mountains, or up north face longer commutes, wildlife hazards, and tough winter roads. Jerry works with Maine drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you find quotes from up to 5 trusted insurers in the Pine Tree State, so you get the full picture of what’s available and how much you should be paying. Here are some of the most recent quotes Jerry has been able to pull for Maine drivers looking for different levels of coverage, and how much each one saved.
Recent quotes in Maine
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Maine car insurance coverage requirements
Maine drivers have to buy a combination of liability insurance, uninsured motorist protection and medical payments coverage before they can legally drive their car. Coverage requirements in this state include:
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$50,000 in bodily injury liability per person.
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$100,000 in bodily injury liability per accident.
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$25,000 in property damage liability per accident.
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$50,000 in uninsured/underinsured motorist coverage per person.
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$100,000 in uninsured/underinsured motorist coverage per accident.
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$2,000 in medical payments coverage, or MedPay.
Drivers may purchase a combined single limit of $125,000 to satisfy Maine’s bodily injury and property damage liability requirements.
Of course, this is just the absolute minimum required in Maine if you want to get behind the wheel. If you want to better protect yourself, your car and your assets, consider increasing your coverage limits or buying comprehensive and collision coverage, which many Jerry drivers do. Also keep in mind that almost 6% of Maine drivers are uninsured, so bumping up your uninsured/underinsured motorist (UM/UIM) limits can give you even greater peace of mind.
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Coverage definitions
Factors affecting Maine car insurance rates in 2026
Winter driving hazards
Snow, ice and freezing rain can make even short trips risky, especially on untreated back roads and bridges. Collision coverage pays for your car after a winter crash, and comprehensive handles non-collision losses like ice damage and fallen branches. Both are worth keeping through Maine’s long winters.
Deer and moose collisions
Wildlife is a major factor in Maine, and moose collisions in particular can total a vehicle. Comprehensive coverage is what typically pays for animal strikes, so it’s an important layer if you drive outside town or commute at dawn and dusk.
Rural crash severity
A lot of Maine driving happens on narrower two-lane roads with higher speeds, limited lighting and few barriers. When crashes happen in those conditions, they tend to be more severe. Consider carrying collision coverage and make sure your liability limits can handle a serious accident, not just a fender bender.
Uninsured drivers
Only about 6% of Maine drivers are uninsured, which is lower than most states, but the risk is still real. Jerry recommends matching your UM/UIM limits to your liability limits, so you’re protected if the other driver can’t fully cover your injuries or damage.
Nor’easters and coastal storms
Nor’easters bring high winds, heavy rain, and localized flooding, especially near the shoreline. Consider comprehensive coverage because that’s what applies to storm-related vehicle damage, and be mindful of where you park during major weather events.
Limited repair access
In more remote parts of the state, tow distances are longer and repair shop options are limited, which can drive up the total cost of a claim. Check whether your policy includes roadside assistance, and set a deductible you can comfortably cover so those secondary costs don’t turn into a surprise.
Average cost of car insurance in major Maine cities
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City
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Average monthly cost
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City
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Average monthly cost
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|---|---|
| $141 | |
| $160 | |
| $167 | |
| $132 | |
| $156 | |
| $169 | |
| $137 | |
| $111 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Maine quotes in as little as 2 minutes.
Learn more about driving in Maine
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How to get a temporary license plate in Maine.
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
FAQ
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Is Maine an at-fault state?
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What happens if I drive without insurance in Maine?
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Does Maine require uninsured/underinsured motorist (UM/UIM) coverage?
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Does Maine require medical payments coverage?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.