Maine Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, Maine car insurance averages about $146 a month ($1,747 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 38% below the national average in our data. It’s about the same as in New Hampshire, higher than in Vermont and lower than in Massachusetts. Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our statewide table, at about $98 a month.

Maine car insurance: key numbers

• Full coverage: about $146 a month ($1,747 a year)
• Liability only (50/100/25): about $41 a month
• Lowest-priced insurer: Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our statewide table, at about $98 a month
• Recent price change: +1.3% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Lincoln County (about $158 a month) and Sagadahoc County (about $137)

Where you live matters, and the Portland area is one of the less expensive parts of Maine in our data. Lincoln County, on the midcoast, averages about $158 a month for full coverage, followed by Hancock County ($156), home to Ellsworth and Bar Harbor, and Oxford County ($155), in western Maine. Sagadahoc County, home to Bath, is the least expensive of the 14 counties we price, at $137, and Cumberland County, home to Portland, is next, at $141. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 70 Maine ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

Average Car Insurance Costs in Maine: How Much Is It per Month?

In Maine, full coverage averages about $146 a month ($1,747 a year), and liability-only coverage at 50/100/25 limits averages $41 a month ($494 a year). Those figures are for a 40-year-old driver with a clean record and use the rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in Maine averages $1,747 a year, or about $146 a month, for our benchmark driver. Liability-only coverage at 50/100/25 limits averages $494 a year ($41 a month), and 50/100/50 liability with comprehensive and collision averages $1,702 ($142 a month).

• Full coverage (100/300/100, $500 deductibles): $1,747 a year ($146 a month)
• 50/100/50 with $500 deductibles: $1,702 a year ($142 a month)
• Liability only (50/100/25): $494 a year ($41 a month)
• Portland: $1,711 a year ($143 a month) for full coverage
• Lewiston: $1,753 a year ($146 a month) for full coverage
• Bangor: $1,731 a year ($144 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How Maine Compares With Nearby States

Maine’s average is about $2 a month above New Hampshire’s, $5 above Vermont’s and $36 below Massachusetts’. It’s the fourth-lowest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in Maine: Companies Compared

• Lowest full-coverage average among insurers anyone can buy from: Travelers, at about $98 a month ($1,175 a year). USAA comes in even lower, at about $94 a month, but it sells only to military families.
• Next lowest: GEICO, at about $106 a month, then Progressive at $129.
• Lowest liability-only average (50/100/25): Progressive, at about $23 a month, then GEICO at $29.
• Also on our list: USAA at about $94 a month and MMG Insurance at $163 (USAA sells only to military families).
• Most expensive in our table: Allstate, at about $178 a month for full coverage, $958 a year more than Travelers.

The statewide Maine rate studies we reviewed most often rank Travelers cheapest for full coverage: six of the nine, all six published in 2026, put it first, apart from USAA, which sells only to military families. The other three each put a different insurer first. For liability-only coverage at 50/100/25 limits, Progressive has the lowest average among the five major insurers we compared (Allstate, Concord Group, GEICO, Progressive and State Farm), at about $23 a month, followed by GEICO at $29.

These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.

See What You’d Pay in Maine

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How Maine’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in Maine?

Slightly, for our benchmark driver. Comparing the same insurers in the same Maine ZIP codes, full coverage averaged $1,724 a year nine months earlier and $1,747 in rates as of Aug. 31, 2026, a 1.3% increase. State Farm cut its Maine average 8.9%, while Concord Group raised its average 15.2% and Allstate 2.7%; GEICO’s and Progressive’s averages were unchanged. Liability-only coverage at 50/100/25 limits rose 5.8%, led by Concord Group, which raised its liability-only average 21.0%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Maine Car Insurance Costs

Maine’s full-coverage average is the fourth-lowest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• The southern coast costs less. Cumberland County ($141) and York County ($143) are two of the three least expensive counties in our data, and Portland averages $143 a month, about 2% below the state average. Lewiston averages $146, Bangor $144 and Augusta $150.
• Low prices nationally. In 2023, Maine had the lowest average auto insurance premium in the country, $926 a year, in National Association of Insurance Commissioners data, and the lowest share of uninsured drivers, 5.7%, according to the Bureau of Insurance.
• More required coverage. Maine policies must include $2,000 in medical payments coverage and uninsured motorist coverage that matches your liability limits unless you reject the higher amount in writing. Policies issued or renewed after July 1, 2024, must also cover up to $500 in towing and storage.

Maine Car Insurance Rates by City

Across all 68 Maine cities and towns we price, full-coverage averages run from about $161 a month in Bucksport to $135 in Brunswick and Yarmouth. Portland, the only place with more than one ZIP code in our data, averages $143, and Augusta is the most expensive of our 12 city guides, at $150. The other 67 cities and towns each have one ZIP code in our data, so each figure is that ZIP code’s average.

The table lists all 68 Maine cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

Maine City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Maine Car Insurance Rates by County

Lincoln County is the most expensive county in our data, at about $158 a month for full coverage, followed by Hancock County ($156) and Oxford County ($155). The least expensive are Sagadahoc County ($137), Cumberland County ($141) and York County ($143). We price 14 of Maine’s 16 counties. Lincoln, Franklin and Waldo counties are each priced from a single ZIP code, in Waldoboro, Farmington and Belfast.

How Much More Does Better Coverage Cost in Maine?

Raising liability limits from 50/100/50 to 100/300/100 adds only about $45 a year on average statewide in our data, with the same $500 deductibles. Across the five insurers, the change runs from $11 less a year (Allstate) to $124 more (State Farm). The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate charges less for 100/300/100 than for 50/100/50 for our benchmark driver. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Maine Car Insurance Rules at a Glance

What Car Insurance Is Required in Maine?

Owners and drivers of vehicles registered in Maine must carry at least the coverage state law sets, under 29-A M.R.S. §1601. The minimum policy is:

• $50,000 per person and $100,000 per crash in bodily injury liability.
• $25,000 in property damage liability.
• $2,000 per person in medical payments coverage for the driver and passengers, under 29-A M.R.S. §1605-A.
• Uninsured and underinsured motorist coverage of at least $50,000 per person and $100,000 per crash, under 24-A M.R.S. §2902.
• Up to $500 in towing and storage coverage when police have your car towed after a crash, on policies issued or renewed after July 1, 2024, according to the Bureau of Insurance.

A $125,000 combined single limit also meets the liability requirement, according to the Bureau of Insurance. Your uninsured motorist limit must match your liability limits unless you reject the higher amount in writing, and it can’t go below 50/100. Maine doesn’t require personal injury protection (PIP) coverage.

Our liability-only prices use 50/100/25 limits with 50/100 uninsured and underinsured motorist coverage. They don’t include the medical payments and towing coverage Maine also requires, so they aren’t the price of a policy that meets every Maine requirement.

You need proof of insurance to register a vehicle, under 29-A M.R.S. §402. Under §1601, you can show proof on your phone at a traffic stop, and driving uninsured is a traffic infraction with a fine of $100 to $500; the state suspends your license or registration until you show proof of insurance. After your license and registration are reinstated following a motor vehicle violation, you must keep proof of insurance, such as an SR-22 filing, for at least three years, under §1603.

Maine uses comparative fault: a driver a jury finds equally at fault can’t recover damages, and when an injured driver can recover, the damages are reduced for that driver’s share of the blame, under 14 M.R.S. §156.

How to Lower Your Car Insurance Rate in Maine

1. Quote several insurers. In our Maine table, the lowest and highest averages among insurers anyone can buy from are about $80 a month apart for the same driver and car.
2. Compare Travelers and GEICO first. They have the two lowest full-coverage averages among insurers anyone can buy from in our Maine table, about $98 and $106 a month.
3. Keep uninsured motorist coverage at your liability limits. Maine requires your uninsured motorist limit to match your liability limits unless you reject the higher amount in writing, according to the Bureau of Insurance. Our full-coverage prices include it at 100/300.
4. Check your towing coverage at renewal. Maine policies issued or renewed after July 1, 2024, must cover up to $500 in towing and storage when police have your car towed after a crash, according to the Bureau of Insurance.
5. Ask for a credit re-rate. Maine insurers can use credit information but not as the only factor, and once a year you can ask your insurer to get an updated credit report and re-rate you, under 24-A M.R.S. §2169-B.
6. Know the fender-bender rule. A crash with less than $2,000 in apparent property damage and no injuries can’t be used to non-renew your policy, according to the Bureau of Insurance.
7. Compare at every renewal. Over the past nine months, State Farm has cut its statewide average 8.9%, while Concord Group has raised its average 15.2% and Allstate 2.7%, so the order in our table can shift.
8. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which car insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how your deductible works.
9. Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See home insurance costs in Maine and our home insurance guides for Lewiston and Portland, then compare free home insurance quotes.

Compare Maine Car Insurance Quotes

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How We Calculated Maine Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 350 full-coverage premiums from five insurers across 70 Maine ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 50/100/25 limits, with 50/100 uninsured and underinsured motorist coverage and no comprehensive or collision. Maine’s minimum policy also requires $2,000 in medical payments coverage and, for policies issued or renewed after July 1, 2024, $500 in towing and storage coverage. Our liability-only prices don’t include those two coverages, so they aren’t the price of a policy that meets every Maine requirement.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied. An insurer marked * is named cheapest only when it’s priced below every major insurer we compared and at least half of the statewide rate studies we cite rank it cheapest.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published Maine rate studies, scaled to our benchmark driver. They aren’t included in our averages.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Maine law and the Maine Bureau of Insurance. We refresh these figures when new rate data is released.

More Maine Car Insurance Breakdowns

The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use it to compare vehicle types with each other.

Maine Car Insurance Rates by County and Vehicle Type

In this analysis, an SUV is the least expensive vehicle type to insure in all 16 counties, and a coupe is the most expensive in 13 of them. A coupe costs about 34% more than an SUV on average.

Maine Car Insurance FAQ