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.

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.

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.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

Cheapest car insurance data 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.

On this page

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