How to Find Cheap Scarborough Car Insurance
Drivers in Scarborough should consider comparing multiple options online. By doing so, they can not only find a quality insurance provider but also save both time and money. InsuranceQuotes.com offers an all-in-one platform where drivers can easily compare different policies from various providers within minutes. This allows them to make informed decisions based on their specific needs and budgetary constraints. InsuranceQuotes.com ensures that drivers have access to comprehensive information about available coverage options while simplifying the process of obtaining quotes for Scarborough car insurance policies efficiently and conveniently
Average Cost for Auto Insurance in Scarborough, ME
- State Minimum Liability: On average Scarborough drivers can expect to pay $56 a month or $667 a year.
- Full Coverage: Drivers can expect to pay $166 a month or $1,990 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Scarborough – 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 Has the Cheapest Car Insurance in Scarborough
- In Scarborough 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 Scarborough 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 |
What are State Minimum Liability Requirements in Maine?
Though you may want to opt for higher coverage, here are the minimum car insurance requirements in Maine for the cheapest state minimum liability coverage while on the road:
- $50,000 bodily injury liability per person
- $100,000 bodily injury liability per accident
- $25,000 property damage liability per accident
These are the minimum coverage limits required by the state. Keep in mind that these limits may not provide comprehensive coverage, and you may consider higher coverage limits or additional coverage options such as comprehensive and collision insurance for better protection.
Top Tips for Saving Money on Your ME Car Insurance Policy
To save money on a new car insurance policy in Maine, consider implementing the following strategies:
- Compare Multiple Quotes with InsuranceQuotes:
- Obtain free quotes from multiple insurance providers all in one place to compare rates through InsuranceQuotes. Different insurers may offer varying premiums, so shopping around allows you to find the most affordable option.
- Bundle Policies:
- Bundle your auto insurance with other policies, such as home or renters insurance, with the same provider. Many insurers offer discounts for bundling.
- Maintain a Good Driving Record:
- Safe driving habits can lead to lower premiums. Avoid accidents and traffic violations to maintain a clean driving record, which is often rewarded with lower insurance costs.
- Increase Deductibles:
- Consider raising your deductibles for comprehensive and collision coverage. Higher deductibles typically result in lower premiums.
- Ask About Discounts:
- Inquire about available discounts, such as good student discounts, safe driver discounts, or discounts for safety features on your vehicle. Insurance providers may offer various discounts that can significantly reduce your premium.
- Maintain Good Credit:
- Insurers in some states, including Maine, use credit scores to determine premiums. Maintaining a good credit score may help lower your car insurance costs.
- Choose a Safe Car:
- Vehicles with safety features may qualify for lower premiums. Check with your insurance provider to see if your car’s safety features make you eligible for discounts.
- Review Your Coverage:
- Regularly reassess your coverage needs. If your circumstances change or if you have an older vehicle, you may be able to adjust your coverage to save on premiums.
- Drive Less:
- If possible, reduce your annual mileage. Some insurance companies offer discounts for low-mileage drivers.
- Take Advantage of Loyalty Discounts:
- Inquire if your insurance provider offers discounts for long-term customers. Loyalty rewards may be available for staying with the same company.
- Complete a Defensive Driving Course:
- Some insurers offer discounts for completing defensive driving courses. Check with your provider to see if this option is available.
Scarborough car insurance averages approximately $133 per month for full coverage in 2026, based on InsuranceQuotes.com’s analysis of market rate data. Comparing quotes from multiple carriers using your exact ZIP code and driver profile is the most reliable way to find your lowest rate.
Car insurance in Scarborough, ME averages $40/month for minimum coverage and $133/month for full coverage in 2026. MMG Insurance offers competitive rates starting around $27/month. Comparing at least three quotes is essential in ME since rate differences between carriers can exceed $100/month for identical coverage.
ME requires minimum coverage of 50/100/25 + MedPay + UM. ME is a tort state — the at-fault driver is responsible for the other party’s damages. Driving uninsured in ME can result in license suspension, fines, and an SR-22 filing requirement.
No. ME is a tort state. The driver who causes an accident is responsible for all resulting damages. Your liability coverage pays for the other party’s injuries and property damage when you are at fault.
For Scarborough drivers in 2026, MMG Insurance is among the most affordable options in ME, with rates starting around $27/month for minimum coverage. State Farm, GEICO, and Progressive are widely available in ME. Rate variation between carriers can exceed $50 to $100/month for identical coverage, making annual quote comparisons essential.
Maine has the lowest percentage of uninsured drivers in the country. Moose collisions are a significant comprehensive coverage risk — Maine logs 3,000+ moose strikes annually. The most effective ways to lower your Scarborough premium: (1) compare quotes from at least three carriers every year, (2) maintain a clean driving record since violations remain on your ME record for years, (3) bundle auto and home or renters for 5 to 15% savings, and (4) raise your deductible on full coverage to $1,000 to cut premiums 10 to 15%.
- 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.
