Average Cost for Auto Insurance in Maine
- On average Maine drivers can expect to pay $59 a month or $708 a year for state minimum liability coverage.
- Maine drivers can expect to pay $176 a month or $2,109 a year for a full coverage auto policy.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Maine – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Who are the Cheapest Car Insurance Companies in Maine?
- In Maine on average the cheapest car insurance providers are Concord Group, Allstate and State Farm. State minimum liability car insurance starts at $38 a month or $452 a year and full coverage car insurance starts at $103 a month or $1,238 a year with Concord Group Insurance
Here is a breakdown of average costs from the cheapest local insurance providers in Maine from our cost data set of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Concord Group | $452 | $38 | $1,238 | $103 |
| Allstate | $681 | $57 | $2,385 | $199 |
| State Farm | $684 | $57 | $2,101 | $175 |
| United Financial | $684 | $57 | $1,955 | $163 |
| GEICO | $874 | $73 | $2,672 | $223 |
Maine Car Insurance Costs by City
| Maine City: | State Minimum Liability: | SM Monthly: | Full Coverage: | FC Monthly: |
|---|---|---|---|---|
| Auburn | $690 | $57 | $2,073 | $173 |
| Augusta | $676 | $56 | $2,141 | $178 |
| Bangor | $639 | $53 | $2,127 | $177 |
| Biddeford | $663 | $55 | $1,976 | $165 |
| Brunswick | $642 | $53 | $1,988 | $166 |
| Lewiston | $708 | $59 | $2,109 | $176 |
| Portland | $708 | $59 | $2,099 | $175 |
| Saco | $683 | $57 | $1,989 | $166 |
| Sanford | $686 | $57 | $2,082 | $174 |
| Scarborough | $667 | $56 | $1,990 | $166 |
SEE OUR LIST OF POPULAR MAINE CITY COST GUIDES
State Minimum Liability Requirements for Maine
Maine state law requires all drivers to show proof of financial responsibility for any vehicle they operate. The best way you can do this is by having auto insurance. The price for auto insurance varies from person to person. The rate can be higher or lower than the average depending on several factors, including:
- Value of your vehicle
- Age of your vehicle
- Model of your vehicle
- Purpose of your vehicle (work or pleasure)
- Your age and driving record
- Age and driving record of others people in the household
In addition, the deductible and coverage that you choose makes a difference in price as well. The minimum coverage requirements for Maine are:
- $50,000 bodily injury coverage per person
- $100,000 bodily injury coverage per incident
- $25,000 property damage coverage per incident
While this is the minimum required by law, it is a good idea to talk to your insurance agent to determine your own specific needs.
How Credit Scores and DUIs Affect Maine Car Insurance Rates
A DUI conviction is one of the costliest violations in Maine, raising full coverage premiums by around 110% — an increase of roughly $166 per month — plus mandatory SR-22 filing and license reinstatement fees for several years.
Credit history matters just as much. Maine drivers with poor credit pay around $310 per month for full coverage, compared to roughly $75 per month for drivers with good credit — a difference of more than 100%. Improving your credit score before you shop is one of the fastest ways to lower your Maine premium.
Auto Policy Rates by ME County & Vehicle Type
The average cost of car insurance in Maine varies between drivers. Here is the breakdown of the amount you can expect to pay on car insurance costs by county for vehicle type below for a minimum state policy of the average driver:
| Auto Insurance Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Androscoggin | $477 | $366 | $465 | $407 | $438 |
| Aroostook | $418 | $325 | $445 | $358 | $387 |
| Cumberland | $414 | $323 | $434 | $351 | $383 |
| Franklin | $469 | $366 | $485 | $400 | $433 |
| Hancock | $398 | $310 | $422 | $335 | $372 |
| Kennebec | $448 | $348 | $474 | $381 | $411 |
| Knox | $404 | $313 | $428 | $343 | $374 |
| Lincoln | $435 | $337 | $461 | $372 | $401 |
| Oxford | $472 | $367 | $502 | $404 | $435 |
| Penobscot | $435 | $338 | $450 | $371 | $400 |
Tips to Get a Great Price on Maine Auto Insurance
You are required to have auto insurance in the state of Maine. The good news is that Maine has rates that are among the lowest in the country. In addition, you may also be eligible for some auto insurance discounts, including:
- Multiple vehicle policy
- Combining auto/home insurance
- Good driver
- Renewals
- No lapse in coverage
- Low mileage
- Good student
- Completion of a driver’s education course
In addition to these discounts, if you are over the age of 55, Maine laws states that every insurance company must offer a discount if you attend an approved accident prevention course.
Moving to Maine: Important Information
If you move to Maine and have a valid out-of-state driver’s license, you can get a Maine driver’s license by visiting the local DMV. You must be able to prove that you are a Maine resident. You can do this by providing the DMV with a utility bill, check stub, or other legal document. In addition, you will need to provide your birth certificate.
You will need to take a vision screening, as well as pay the required license fees and get your picture taken. You must also turn in your out-of-state license to get your new Maine license.
All new residents must register their vehicle in Maine. To do this, you need to visit your local town’s government office. According to Maine law, if your vehicle is 1995 or newer, you must be able to show the title of the vehicle. If your vehicle is older than 1995, showing a title is not necessary. Either way, you will need to show the registration from the state that you moved from, as well as your current dated insurance card.
Another important fact to know is that there is an excise tax, which is an indirect tax charged on the sale of a product, due yearly when you register your vehicle. The amount of the tax varies based on the value of your vehicle.
Understanding Driving Laws in Maine
It is important to read and understand the driving laws in Maine before you attempt to get your state license. While there are many laws that are the same state to state, there are particular to Maine. A good example is Title 29-A §2119, which prohibits text messaging.
As in most states, Maine has strict seat belt laws. Children under 40 pounds must be secured in a child safety seat. Those between the ages 8 and 18 must be restrained by a regular car seat belt.
Car insurance in Maine averages approximately $52 per month for minimum coverage and $128 per month for full coverage in 2026, making Maine one of the 10 most affordable states for car insurance. Maine’s low rates reflect its rural character, small population, and low traffic density outside Portland. Amica Mutual is the top-rated car insurance carrier in Maine for customer satisfaction and competitive pricing. Travelers is the most affordable widely-accessible national carrier. Maine requires higher minimum liability limits than most states — 50/100/25 — which provides better protection but adds modest cost versus lower-minimum states.
Maine has some of the most consumer-protective minimum car insurance requirements of any state: 50/100/25 liability ($50,000 per person, $100,000 per accident bodily injury, $25,000 property damage), plus $2,000 in Personal Injury Protection (PIP) and uninsured motorist coverage at matching liability limits. Maine’s 50/100/25 minimum is among the highest mandatory liability requirements in the country. Maine is technically a no-fault state but only because it requires PIP — at just $2,000, Maine’s PIP requirement is the lowest of any no-fault state. The mandatory 50/100/25 UM/UIM requirement is a significant consumer protection given Maine’s rural roads and the serious injury potential of high-speed rural accidents.
Amica Mutual, headquartered in Providence, Rhode Island, is Maine’s top-rated car insurance carrier and consistently competitive on pricing throughout the state. Travelers provides the best rates among major national direct carriers for most Maine driver profiles. Progressive is the best choice for Maine drivers with violations or accidents on their record. GEICO and State Farm are competitive alternatives. Maine Farm Bureau Insurance, available through local agents, is worth requesting as a regional alternative. Maine’s competitive market and low-density driving environment produce some of the most favorable rates in the northeastern United States.
Yes — comprehensive coverage is particularly important for Maine drivers. Maine ranks among the top 10 states for deer-vehicle collision frequency per registered vehicle — deer, moose, and other wildlife collisions are common on US-1, US-2, I-95, and rural Maine highways year-round, with peak risk from October through December. Moose collisions in northern Maine (Aroostook County, the Allagash region) are especially dangerous given moose average 900 to 1,200 pounds. All wildlife strikes are comprehensive-only claims. Maine’s winters also generate ice storm damage, snow loading, and spring flooding from snowmelt that can damage vehicles — all covered under comprehensive. At $15 to $25 per month in most Maine markets, comprehensive is a clear value for any Maine driver.
Portland and Cumberland County carry Maine’s highest car insurance rates due to the state’s greatest population density, higher accident frequency on I-295 and I-95, and elevated vehicle theft rates relative to rural Maine. Greater Portland runs approximately $15 to $25 per month above the Maine state average for comparable full coverage. Bangor falls near the state average. Rural Maine — particularly Washington County, Aroostook County, and the western Maine mountains — offers the lowest rates in the state, sometimes 20 to 30 percent below Portland for identical coverage. The tradeoff: rural Maine drivers face greater wildlife collision risk and longer emergency response times after accidents, making comprehensive and higher liability limits more valuable in these areas.
A DUI conviction raises Maine full coverage premiums by around 110% — an increase of roughly $166 per month — plus mandatory SR-22 filing and license reinstatement fees for several years.
Significantly. Maine drivers with poor credit pay around $310 per month for full coverage, compared to roughly $75 per month for drivers with good credit — a difference of more than 100%.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
