Key Takeaways
- Bristol West, National General and Progressive offer some of the cheapest car insurance in Maine.
- The average cost of minimum coverage in Maine is around $110 per month.
- Compare quotes from multiple insurers to find cheap car insurance in Maine.
You can find cheap car insurance in Maine from companies like Bristol West, National General and Progressive. These insurers are among the most affordable in the state, according to real quotes for Jerry customers.
Here are more cheap options for minimum and full coverage, plus by age, driving record and credit score.
To find the best car insurance in Maine, compare car insurance quotes from multiple insurers.
Cheap minimum coverage in Maine
Maine residents who need to stay insured without paying for extras often look to minimum liability plans. These policies offer protection if you cause harm to someone else or their property but do not extend to your own losses (vehicle or medical). They appeal to thrifty drivers with minimal risk exposure or depreciated vehicles. Maine drivers can reduce costs by evaluating policies from multiple insurance carriers.
Here are the most affordable insurers in Maine for minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $52 | $624 |
| Safeco | $59 | $709 |
| Geico | $60 | $719 |
| Bristol West | $88 | $1,055 |
Minimum coverage requirements in Maine
Drivers in Maine are legally required to carry these minimum car insurance limits:
- $50,000 in bodily injury liability per person.
- $100,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
- $50,000 in uninsured/underinsured motorist coverage per person.
- $100,000 in uninsured/underinsured motorist coverage per accident.
- $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.
Cheap full coverage car insurance in Maine
Securing affordable full coverage car insurance in Maine involves choosing a policy that doesn’t compromise protection. Full coverage typically includes liability, collision and comprehensive insurance — handling incidents like animal damage, theft and driving accidents. It’s especially important for cars with significant value, where repairs or replacement would be a major financial setback.
Here are the most affordable insurers in Maine for full coverage policies, according to real car insurance quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $104 | $1,247 |
| Safeco | $114 | $1,366 |
| Geico | $141 | $1,694 |
| Bristol West | $186 | $2,229 |
| Embark General | $207 | $2,484 |
| ROOT | $213 | $2,555 |
| Gainsco | $251 | $3,014 |
| The General | $285 | $3,416 |
| National General | $286 | $3,432 |
| Mendota | $577 | $6,928 |
If you have a loan or lease on your vehicle, the lender will require
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Cheap car insurance quotes in Maine by age
Your age plays a big part in how much you’ll pay for car insurance. Younger drivers typically pay more because they have less driving experience. But as drivers get older, their car insurance costs typically decrease.
Below are recent examples of real quotes for Jerry customers in Maine.
|
Age
|
Insurance Company
|
Monthly Quote
|
Full coverage?
|
Date of Policy
|
|---|---|---|---|---|
| 31 | Safeco | $109 | Yes | December 31, 1969 |
| 23 | Progressive | $51 | No | December 31, 1969 |
| 38 | Progressive | $83 | Yes | December 31, 1969 |
| 55 | Progressive | $158 | Yes | December 31, 1969 |
| 66 | Safeco | $52 | No | December 31, 1969 |
| 28 | Progressive | $97 | Yes | December 31, 1969 |
| 69 | Bristol West | $166 | Yes | December 31, 1969 |
| 42 | Progressive | $124 | Yes | December 31, 1969 |
| 28 | Geico | $43 | No | December 31, 1969 |
| 36 | Bristol West | $61 | No | December 31, 1969 |
Average car insurance costs for young drivers in Maine
Insurance providers in Maine charge more for young drivers because they represent a demographic with greater claim potential. Even those with perfect records see higher premiums strictly due to age. Maine residents can often reduce their rates with defensive driving courses or proof of good grades in school.
Below are the average costs of car insurance in Maine for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $256 | $3,070 |
| 21-24 | $196 | $2,356 |
Average auto insurance costs for mature drivers in Maine (25-54)
In Maine, experienced drivers often get discounted insurance due to their proven ability to avoid incidents on the road. Their steady performance over the years makes them attractive to insurers. With fewer claims filed, providers are more willing to offer competitive pricing.
Below are the average costs of car insurance for drivers in Maine between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $129 | $1,543 |
| 35-44 | $103 | $1,231 |
| 45-54 | $104 | $1,253 |
Cheapest full coverage in Maine for a 35-year-old
In Maine, a 35-year-old might see full coverage as a smart defense against icy roads, collisions, or other weather issues. Full protection reduces the worry of expensive repairs and it can be a wise choice for someone who values preparedness and vehicle longevity.
These are the cheapest car insurance companies in Maine for 35-year-olds with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Progressive | $94 |
| Geico | $97 |
| Safeco | $119 |
| Bristol West | $138 |
Average car insurance costs for older drivers in Maine (55+)
Maine drivers aged 55 and older could see premium increases due to the challenges of driving combined with the physical decline that comes with age, even if gradual. These factors influence how insurers assess policy risks and pricing.
Below are the average costs of car insurance for drivers in Maine 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $101 | $1,215 |
| 65+ | $91 | $1,095 |
Cheapest car insurance in Maine by driving history
Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket or at-fault accident.
Cheap car insurance for drivers with clean records in Maine
Maine drivers with clean records tend to find more affordable and accessible insurance options. It shows a consistent respect for traffic laws and safety and this can streamline the insurance process and lead to better terms.
These are the cheapest car insurance companies in Maine for drivers with clean driving histories, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $92 | $1,103 |
| Safeco | $101 | $1,206 |
| Geico | $120 | $1,441 |
| Embark General | $141 | $1,692 |
| Bristol West | $162 | $1,947 |
Cheapest car insurance with a speeding ticket in Maine
In Maine, a speeding ticket may have ripple effects on your insurance situation. It indicates a moment where rules were not followed, which insurers may interpret as risky. Even if it doesn’t seem serious, it can affect how you're evaluated and each violation adds to your overall profile.
These are the cheapest car insurance companies in Maine for drivers with a speeding ticket, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $177 | $2,125 |
| National General | $185 | $2,222 |
| Bristol West | $273 | $3,280 |
Cheapest car insurance after an at-fault accident with no injury in Maine
Being at fault in a non-injury accident in Maine still carries weight in the eyes of insurers. While they may not involve medical claim, they can still be costly and as a result, your premium or policy could be adjusted.
These are the cheapest car insurance companies in Maine for drivers with an at-fault accident with no injury, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $160 | $1,923 |
| Progressive | $175 | $2,103 |
| Bristol West | $231 | $2,771 |
| Embark General | $334 | $4,010 |
| National General | $413 | $4,951 |
Average auto insurance costs for Maine drivers with other violations
Other offenses in Maine such as improper passing or failure to yield, can also impact your insurance options. These behaviors may suggest a disregard for traffic regulations and insurers use them as part of your total driving profile. Frequent violations reduce flexibility in your policy choices and pricing.
Below are average car insurance costs in Maine for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Driving on Sus. License | $120 | $1,442 |
| Other | $196 | $2,349 |
Cheapest auto insurance for low credit scores in Maine
Maine insurers may consider financial responsibility when assessing policyholders. A lower credit score can be interpreted as a risk factor and it may result in fewer pricing options. This can make premiums less competitive for those with weak credit histories.
These are the cheapest car insurance companies in Maine for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $144 | $1,729 |
| Safeco | $165 | $1,978 |
| Bristol West | $229 | $2,747 |
| National General | $234 | $2,805 |
Learn more: How a credit-based insurance score works
How to find cheap car insurance in Maine
Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.
You can also try these tips to lower your auto insurance costs:
- Ask your insurer about discounts you qualify for.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
- Bundle your home and car insurance policies with the same company.
More: Best car insurance companies
Factors that affect car insurance costs in Maine
How much you pay for coverage depends on a variety of factors, including your:
- ZIP code.
- Driving history.
- Vehicle’s year, make, and model.
- Claims history.
- Car usage and miles driven.
- Deductible amount.
More: How car insurance rates are calculated
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
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.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
