Good news for Maine drivers: Jerry’s latest data shows that liability coverage in the Pine Tree State averages about $166 per month. Over the past year we’ve helped 828 Mainers find more affordable coverage, and drivers who switch with Jerry save an average of $964 per year without losing the protection they rely on through winter storms, coastal fog or rural commutes.
Jerry compares quotes from up to 3 trusted insurers in Maine to build your policy and secure your best price in minutes.
Save on Maine insurance with Jerry
What Maine drivers are paying right now
Car insurance prices in Maine tend to be more stable than in many states, but they still move with weather trends, repair costs and how often drivers file claims. Even two drivers with identical cars can land at very different prices depending on whether they commute through Portland, navigate icy rural roads near the Canadian border or live in towns where animals outnumber people.
Jerry tracks live quotes statewide to give you an up-to-date look at what drivers are actually paying. Here are some recent full coverage policies purchased through Jerry and what those motorists paid.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rates every so often. In Maine, everything from winter conditions to subtle shifts in your driving profile can nudge your premium up or down by renewal time.
4 smart ways Jerry helps Maine drivers save on car insurance
Finding a lower premium isn’t just about chasing the cheapest number. The real advantage comes from understanding what shapes your rate and adjusting the things that matter most.
Jerry does that work for you by comparing real quotes, surfacing discounts you may otherwise miss and showing you exactly where you can save without cutting coverage that actually protects you.
Here are our top tips to help you spend less and worry less.
| How to save | Average Maine driver savings |
|---|---|
| Compare quotes | 52% to 81% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 13% to 71%* |
| Avoid a coverage lapse | 16% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Maine has some of the lowest overall claim frequencies in the country, but the severity of accidents can swing sharply depending on terrain, season and location. Insurers weigh that risk differently, which is why the same driver can get quotes that vary more than you’d expect.
Comparing rates side-by-side with Jerry is the fastest way to make sure you’re not overpaying.
Here’s where Maine drivers who saved most often switched after checking their rates with Jerry:
| Insurance carrier | Maine drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 29% | 31% |
| Root | 10% | 28% |
| Bristol West | 8% | 27% |
| National General | 7% | 30% |
| Assurance America | 6% | 28% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Even in a lower-cost state like Maine, prices shift dramatically between coastal communities, inland towns and rural counties. Jerry shows you those differences instantly so you can pick the best fit for your budget.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most Maine drivers qualify for multiple discounts. Safe-driver incentives, paperless billing, bundling home and auto, full-payment discounts and good-student savings all add up. But insurers don’t always apply them automatically.
Jerry checks each possible discount so your savings don’t slip through the cracks.
Key takeaway: Drivers who stack discounts often save more than those who only raise their deductibles.
Jerry Agent Tip 3: Pick the right deductible
Your deductible influences your premium more than many people expect. Maine drivers deal with black ice in winter, dense fog along the coast and unpredictable wildlife crossings inland, so you need a deductible you can actually afford if a claims comes up.
Here’s what Jerry drivers are choosing for their deductibles:
To find your ideal deductible:
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Check your car’s value (Jerry updates this monthly).
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Choose an amount you could comfortably pay out of pocket.
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Compare how each deductible level affects your premium in real time.
The Jerry difference: Jerry shows clear pricing across multiple deductible options so you can balance protection and affordability without guesswork.
Jerry Agent Tip 4: Avoid coverage lapses
A lapse in coverage hits your wallet fast. Jerry data shows that drivers in Maine see premiums climb an average of 16% after even a short gap in insurance. Staying continuously insured is one of the simplest ways to keep your rates low.
Jerry gives you real-time pricing across coverage levels so you can pick a policy that fits your budget month after month. You’ll see exactly what each limit costs, where you can save and how to build coverage that protects you without stretching your finances.
Get personalized car insurance rates now
How to get better coverage without overpaying
Maine requires drivers to carry 50/100/25 liability limits plus uninsured motorist coverage and medical payments. But most drivers choose additional protection based on season, commute and vehicle value. Here are the typical coverage tiers you’ll see:
Minimum
$46 – $89/mo
Meets Maine’s legal requirements but won’t cover your own vehicle.
Full
$80 – $174/mo
Adds collision and comprehensive, often required if your vehicle is financed or leased.
Standard
$92 – $188/mo
Includes expanded UM/UIM or higher medpay limits, valuable in a state with long emergency response times.
Preferred
$111 – $224/mo
Premium protection with the highest liability limits, lower deductibles and extras like towing or rental reimbursement.
Key takeaway: Start with your risk comfort level and your vehicle’s value. Jerry shows real-time prices across coverage tiers so you can choose confidently.
The cheapest Maine policy is liability-only, but adding comprehensive or collision is often worth it in a state with harsh winters and abundant wildlife activity.
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Coverage definitions
Maine insurance factors at a glance
What you pay for car insurance in Maine is shaped by the realities of driving here, including long rural stretches, heavy winter conditions and unique coastal weather patterns. Add in a higher proportion of two-lane roads and above-average wildlife collisions and you get pricing that shifts more than you might expect.
Winter conditions
Snow, ice and freezing rain raise accident frequency comprehensive
Wildlife collisions
Collision Deer and moose crossings contribute to costly claims
Rural crash severity
High-speed roadways increase damage severity
Uninsured drivers
Only 6% of Maine drivers are uninsured, but UM/UIM is still essential for maximum protection.
Maine Insurance After a Ticket, Accident or SR-22
Whether you’ve had a ticket, a crash or need an SR-22, Jerry makes sure one setback doesn’t define your rate long term. We work with insurers that consider your entire profile, not just your latest record entry.
If you got a ticket
Maine assigns points for violations like speeding, unsafe turns and failing to obey traffic signs. A single ticket can push your rate up for several years, though state-approved defensive driving courses may help reduce the impact depending on the offense.
Sign up in the Jerry app and we will start monitoring your driving record. Once the violation clears, Jerry checks prices automatically so you can start saving again as soon as you’re eligible.
Here are the average rate increases we’ve seen for Maine drivers after a ticket:
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Speeding under 15: 5%
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Speeding over 15: 10%
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Failure to obey traffic sign: 8%
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Reckless driving: 60%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Maine operates under at-fault rules for property damage. An at-fault crash raises premiums by anaverage of 31%, and those increases often stick around for three to five years.
Jerry finds your best available rate now and re-shops your policy when the accident drops off your record.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $392 |
| At Fault With Injury | $399 |
| At Fault With No Injury | $439 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
DUIs carry steep penalties in Maine, including a significant increase in insurance rates. A DUI can raise your premium by 44% on average and remain on your record for several years. Some insurers still offer more reasonable high-risk pricing.
Jerry identifies those carriers and automatically re-shops your policy as your record improves.
Here are the five cheapest insurance companies for Maine drivers with DUIs:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $195 | Yes | |
| $418 | Yes | |
| $439 | ||
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Maine
Maine may require an SR-22 after certain violations, uninsured crashes or suspensions. Select the SR-22 option in the Jerry app to see only insurers that file them. Many carriers charge around $25 per year for the filing.
Car Insurance with Bad Credit
Maine allows insurers to use credit-based insurance scores, but credit is only one factor. Maintaining continuous coverage, choosing the right deductible and keeping a clean record often influence your price more than credit alone.
Jerry helps you compare quotes instantly so you can always get your best rate.
Average rates in Georgia by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Maine’s combination of winter weather, rural highways and coastal conditions means there’s no single cheapest policy for everyone. The right coverage is the one that matches how you actually drive.
Jerry makes it easy to build a policy tailored to life in Maine and automatically re-shops when you qualify for better prices.
Get Maine coverage in as little as 2 minutes
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
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.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
