For a 40-year-old driver with a clean record, Portland, Maine, car insurance averages about $143 a month ($1,711 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That’s about the same as the Maine average of $146 a month. Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our Portland table, at about $95 a month. For prices across the state, see our guide to Maine car insurance quotes.
Maine’s largest city isn’t its most expensive place to insure a car. Portland is priced close to the state average for our benchmark driver, about $3 a month less, and 44 of the 68 Maine cities and towns we price cost more for full coverage, while 23 cost less.
Our data covers three ZIP codes with a Portland mailing address, priced within about $1 a month of each other, from $142 in 04101 to $143 in 04102 and 04103.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Portland ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Sept. 30, 2026. Page reviewed Nov. 10, 2026.
How Much Is Car Insurance in Portland, ME?
Full coverage in Portland averages $1,711 a year, or about $143 a month, for our benchmark driver. Liability-only coverage at 50/100/25 limits averages $545 a year ($45 a month), and 50/100/50 liability with comprehensive and collision averages $1,662 ($139 a month).
- Full coverage (100/300/100, $500 deductibles): $1,711 a year ($143 a month)
- 50/100/50 with $500 deductibles: $1,662 a year ($139 a month)
- Liability only (50/100/25): $545 a year ($45 a month)
- Cumberland County: $1,687 a year ($141 a month) for full coverage
- Maine average: $1,747 a year ($146 a month) for full coverage
- ZIP code range: $142 (04101) to $143 (04102 and 04103) a month for full coverage
Cheap Car Insurance in Portland: Companies Compared
- Lowest full-coverage average among insurers anyone can buy from: Travelers, at about $95 a month ($1,140 a year). USAA comes in even lower, at about $91 a month, but it sells only to military families.
- Next lowest: GEICO, at about $107 a month, then Progressive at $120.
- Lowest liability-only average (50/100/25): Progressive, at about $26 a month, then GEICO at $32.
- Also on our list: USAA at about $91 a month and MMG Insurance at $158 (USAA sells only to military families).
- Most expensive in our table: Allstate, at about $175 a month, $961 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 $26 a month, followed by GEICO at $32.
Full-coverage averages by insurer in Portland
Monthly, for the same driver and car.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Sept. 30, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 50/100/25 (Yearly): | Liability Only 50/100/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $385 | $32 | $1,283 | $107 |
| Progressive | $308 | $26 | $1,434 | $120 |
| State Farm | $669 | $56 | $1,845 | $154 |
| Concord Group | $629 | $52 | $1,892 | $158 |
| Allstate | $734 | $61 | $2,101 | $175 |
| USAA (military families)* | $316 | $26 | $1,095 | $91 |
| Travelers* | $479 | $40 | $1,140 | $95 |
| MMG Insurance* | $510 | $43 | $1,897 | $158 |
| Portland average | $545 | $45 | $1,711 | $143 |
This table uses Portland ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Portland Car Insurance Rates by ZIP Code
Across the three Portland ZIP codes we price, full coverage for our driver ranges from about $142 a month in 04101 to $143 in 04102 and 04103, a gap of up to $19 a year. 04101, which includes downtown, is the least expensive by about $1 a month. The insurer matters far more than the neighborhood: in our Portland data, GEICO averages about $107 a month for full coverage and Allstate $175.
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Portland’s average.
| ZIP Code: | Liability Only 50/100/25 (Yearly): | Liability Only 50/100/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 04101 | $536 | $45 | $1,702 | $142 | -1% |
| 04102 | $548 | $46 | $1,710 | $143 | About average |
| 04103 | $552 | $46 | $1,721 | $143 | About average |
Your ZIP code matters
How Much More Does Better Coverage Cost in Portland?
Raising liability limits from 50/100/50 to 100/300/100 adds only about $49 a year on average in our Portland data, with the same $500 deductibles. 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.
Is Car Insurance Going Up in Portland?
Yes, for our benchmark driver. Comparing the same insurers in the same Portland ZIP codes, full coverage averaged $1,682 a year 10 months earlier and $1,711 in rates as of Sept. 30, 2026, a 1.7% increase. State Farm cut its Portland average 8.1%, while Concord Group raised its average 15.2% and Allstate 2.8%; GEICO’s and Progressive’s averages were unchanged. Liability-only coverage at 50/100/25 limits rose 6.0%, led by Concord Group, which raised its liability-only average 21.7%.
What Shapes Car Insurance Costs in Portland
Cumberland County averages about $141 a month for full coverage, the second-least expensive of the 14 Maine counties we price. Portland costs a little more than the county as a whole, and nearby suburbs cost less: Falmouth averages about $139 a month, Cape Elizabeth $137 and Yarmouth $135, tied with Brunswick for the lowest monthly average of the 68 Maine cities and towns we price.
Liability-only coverage runs the other way. Portland’s liability-only average, about $45 a month at 50/100/25 limits, is among the three highest in our Maine data, while Aroostook County towns such as Presque Isle and Houlton average about $33. Where you live is one of the factors Maine insurers use, so towns a few miles apart can be priced differently.
How Portland Car Insurance Compares With Other Maine Cities
More Maine cities and towns are in the Maine rates by city table, and you can compare states on our car insurance rates by state page.
South Portland, across the Fore River, averages $138 a month, Westbrook, about five miles west, $138 and Scarborough $136. Lewiston, about 30 miles north, averages $146.
What Car Insurance Is Required in Portland?
In Portland, as everywhere in Maine, an auto policy must include at least:
- 50/100/25 liability coverage: $50,000 per person and $100,000 per crash for injuries and $25,000 for property damage
- $2,000 per person in medical payments coverage for you and your passengers, plus uninsured and underinsured motorist coverage of at least $50,000 per person and $100,000 per crash
- 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
Our Portland liability-only price, $545 a year against $1,711 for full coverage, uses 50/100/25 limits with 50/100 uninsured and underinsured motorist coverage, so it doesn’t include the medical payments and towing coverage Maine also requires. Our Maine requirements guide covers the details and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Portland
- Compare Travelers and GEICO first. They have the two lowest full-coverage averages among insurers anyone can buy from in our Portland table, about $95 and $107 a month.
- Quote several insurers. In our Portland table, the lowest and highest averages among insurers anyone can buy from are about $80 a month apart for the same driver and car.
- Keep proof of insurance on your phone. Maine accepts electronic proof at a traffic stop, and showing it doesn’t give the officer access to the rest of your phone, under 29-A M.R.S. §1601.
- Compare at every renewal. Over the past 10 months, State Farm has cut its Portland average 8.1%, while Concord Group has raised its average 15.2% and Allstate 2.8%, so the order in our table can shift.
- 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 auto 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 deductibles affect your rate.
- Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Portland, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.
Ready to compare
How We Calculated Portland 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 Sept. 30, 2026.
- Sample: 15 full-coverage premiums from five insurers across three Portland 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 Sept. 30, 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.
Portland Car Insurance FAQ
For our benchmark driver, full coverage in Portland averages about $143 a month ($1,711 a year) and liability-only coverage at 50/100/25 limits about $45 a month, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. Full coverage is about the same as the Maine average of $146 a month.
Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our Portland table, at about $95 a month, followed by GEICO at $107. USAA, which sells only to military families, is lower still, at about $91 a month. For liability-only coverage at 50/100/25 limits, Progressive has the lowest average, at about $26 a month. Six of the nine statewide Maine rate studies we reviewed, all six published in 2026, rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
South Portland, for our benchmark driver. Portland full coverage averages about $143 a month and South Portland about $138, a difference of about $5 a month for the same driver and car.
In our data, 04101 has the lowest full-coverage average in Portland, at about $142 a month, and 04102 and 04103 the highest, at about $143. The ZIP code table on this page lists all three.
In our Portland data, full coverage (100/300/100 with $500 deductibles) averages about $143 a month and liability-only coverage at 50/100/25 limits about $45, a difference of about $98 a month ($1,166 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Maine law doesn’t require full coverage, but a lender or leasing company may.
Yes, for our benchmark driver. Comparing the same insurers and ZIP codes, Portland full coverage rose 1.7% over the past 10 months, from about $1,682 to $1,711 a year. State Farm cut its Portland average 8.1%, while Concord Group raised its average 15.2% and Allstate 2.8%. Liability-only coverage at 50/100/25 limits rose 6.0%.
For our benchmark driver, full coverage in Portland averages about $143 a month. Nearby, South Portland averages about $138, Westbrook about $138 and Scarborough about $136. South Portland, Westbrook and Scarborough are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- 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.
