Compare car insurance quotes in Maine
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Average Maine car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 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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$92 to $180 per month for full coverage.
Spending a few minutes comparing quotes can pay off fast. Over the last 12 months, Jerry has helped Mainers save an average of $985 per year on coverage just by comparing their options.
Jerry helps you compare rates and adjust your coverage for Maine car insurance in under 10 minutes. It’s free and fully online, and we don’t sell your information or call your phone.
Your exact price will still depend on personal factors like your driving record, your vehicle and where in California you live. 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
One of the best ways to save on home insurance in Texas is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle 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 insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage, or just choosing the cheapest car insurance in Maine, shopping around helps you find the right fit.
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 if you want to get behind the wheel. If you want to better protect yourself, your car and your assets, you might 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 (UIM) limits can give you even greater peace of mind.
Factors affecting Maine car insurance rates in 2026
Winter driving and slick roads
Snow, ice, and freezing rain can make even short trips higher-risk, especially on untreated roads and bridges. Collision coverage is the main protection for repairs after a crash, while comprehensive can help with certain non-collision winter losses.
Deer and moose collision exposure
Wildlife is a major factor in Maine, and moose collisions in particular can cause serious damage. Animal impacts generally fall under comprehensive coverage, so it’s an important piece if you drive outside town or at dawn and dusk.
Two-lane roads and rural crash severity
A lot of Maine driving happens on narrower, higher-speed roads with fewer barriers and less lighting. When accidents happen in those settings, they can be more severe, which is why collision coverage and solid liability limits matter.
Lower uninsured driver share, still meaningful risk
Only about 6% of Maine drivers are uninsured, which is lower than many states. UM/UIM coverage is still a smart backstop because it protects you when the other driver can’t fully cover injuries or damage.
Coastal storms and salt exposure
Nor’easters and coastal storms can bring high winds, heavy rain, and localized flooding, especially near the shoreline. Comprehensive coverage is typically what applies to storm-related vehicle damage, and coastal parking can increase exposure during major weather events.
Limited repair access and towing distance
In more remote parts of the state, towing can be longer and repair options more limited, which can increase the total cost of a claim. Checking whether your policy includes towing or roadside assistance can help keep those secondary costs from turning into a surprise expense.
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 | |
| $157 | |
| $165 | |
| $131 | |
| $156 | |
| $169 | |
| $137 | |
| $112 |
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.
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Learn about uninsured motorist coverage and why it matters.
FAQs
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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?
