For a 40-year-old driver with a clean record, South Portland car insurance averages about $138 a month ($1,658 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 5% below the Maine average of $146 a month. Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our South Portland table, at about $92 a month.
South Portland is one of the less expensive places to insure a car in Maine: our benchmark driver pays about $8 a month less than the Maine average here and about $5 a month less than in Portland, across the Fore River.
Our data covers one ZIP code with a South Portland mailing address, 04106, so the figures on this page are for that ZIP code. At $1,658 a year for full coverage, it’s $29 below the Cumberland County average of $1,687. For prices across the state, see our Maine car insurance quotes guide.
Cost data comes from the auto rates insurers file with state regulators, priced in South Portland’s ZIP code, 04106, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in South Portland, ME?
Full coverage in South Portland averages $1,658 a year, or about $138 a month, for our benchmark driver. Liability-only coverage at 50/100/25 limits averages $524 a year ($44 a month), and 50/100/50 liability with comprehensive and collision averages $1,611 ($134 a month).
- Full coverage (100/300/100, $500 deductibles): $1,658 a year ($138 a month)
- 50/100/50 with $500 deductibles: $1,611 a year ($134 a month)
- Liability only (50/100/25): $524 a year ($44 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
Cheap Car Insurance in South Portland: Companies Compared
- Lowest full-coverage average among insurers anyone can buy from: Travelers, at about $92 a month ($1,103 a year). USAA, which sells only to military families, is lower still, at about $88 a month.
- Next lowest: GEICO, at about $96 a month, then Progressive at $114.
- Lowest liability-only average (50/100/25): Progressive, at about $25 a month, then GEICO at $29.
- Also on our list: USAA at about $88 a month and MMG Insurance at $153 (USAA sells only to military families).
- Most expensive in our table: Allstate, at about $175 a month, $1,001 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 $25 a month, followed by GEICO at $29.
Full-coverage averages by insurer in South Portland
Monthly, for the same driver and car.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 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 | $351 | $29 | $1,149 | $96 |
| Progressive | $300 | $25 | $1,372 | $114 |
| State Farm | $620 | $52 | $1,821 | $152 |
| Concord Group | $617 | $51 | $1,844 | $154 |
| Allstate | $734 | $61 | $2,104 | $175 |
| USAA (military families)* | $302 | $25 | $1,059 | $88 |
| Travelers* | $458 | $38 | $1,103 | $92 |
| MMG Insurance* | $488 | $41 | $1,835 | $153 |
| South Portland average | $524 | $44 | $1,658 | $138 |
This table uses South Portland’s ZIP code only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Your ZIP code matters
How Much More Does Better Coverage Cost in South Portland?
Raising liability limits from 50/100/50 to 100/300/100 adds only about $47 a year on average in our South 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 South Portland?
Yes, for our benchmark driver. Comparing the same insurers in the same South Portland ZIP code, full coverage averaged $1,631 a year nine months earlier and $1,658 in rates as of Aug. 31, 2026, a 1.7% increase. State Farm cut its South Portland average 8.5%, while Concord Group raised its average 15.3% and Allstate 2.8%; GEICO’s and Progressive’s averages were unchanged. Liability-only coverage at 50/100/25 limits rose 6.3%, led by Concord Group, which raised its liability-only average 22.7%.
What Shapes Car Insurance Costs in South Portland
Cumberland County averages about $141 a month for full coverage, the second-least expensive of the 14 Maine counties we price, and South Portland is below that county average. Cape Elizabeth, next door to the southeast, averages about $137 a month, and Scarborough, to the southwest, $136. For comparison, the average cost of car insurance in Maine is about $146 a month for full coverage.
The five insurers in our South Portland rate data run from about $96 a month for full coverage (GEICO) to $175 (Allstate), so the company you choose moves your price far more than the city line does. Maine insurers price by location as well as by driver and car, so your ZIP code can move your price.
How South 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.
Portland, across the Fore River, averages $143 a month. Scarborough, about five miles southwest, averages $136, and Westbrook, about five miles northwest, $138. Our state guide also compares Maine auto insurance quotes insurer by insurer.
What Car Insurance Is Required in South Portland?
In South 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 South Portland liability-only price, $524 a year against $1,658 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 South Portland
- Compare Travelers and GEICO first. They have the two lowest full-coverage averages among insurers anyone can buy from in our South Portland table, about $92 and $96 a month.
- Quote several insurers. In our South Portland table, the lowest and highest averages among insurers anyone can buy from are about $83 a month apart for the same driver and car.
- Know how a total loss is valued. When your car is totaled, Maine insurers must use comparable vehicles from New England or New York when they’re available, according to the Bureau of Insurance.
- Compare at every renewal. Over the past nine months, State Farm has cut its South Portland average 8.5%, while Concord Group has raised its average 15.3% 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 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 car insurance deductibles work.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Maine home insurance rates, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.
Ready to compare
How We Calculated South 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 Aug. 31, 2026.
- Sample: five full-coverage premiums from five insurers in South Portland’s ZIP code, 04106, 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 South Portland’s ZIP code, 04106. The overall average is the mean of those prices. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in that ZIP code 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 code, 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.
South Portland Car Insurance FAQ
For our benchmark driver, full coverage in South Portland averages about $138 a month ($1,658 a year) and liability-only coverage at 50/100/25 limits about $44 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 5% below the Maine average of $146 a month.
Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our South Portland table, at about $92 a month, followed by GEICO at $96. USAA, which sells only to military families, is lower still, at about $88 a month. For liability-only coverage at 50/100/25 limits, Progressive has the lowest average, at about $25 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. South Portland full coverage averages about $138 a month and Portland about $143, a difference of about $5 a month for the same driver and car.
They’re about the same for our benchmark driver: South Portland full coverage averages about $138 a month and Cape Elizabeth about $137.
In our South Portland data, full coverage (100/300/100 with $500 deductibles) averages about $138 a month and liability-only coverage at 50/100/25 limits about $44, a difference of about $94 a month ($1,134 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 code, South Portland full coverage rose 1.7% over the past nine months, from about $1,631 to $1,658 a year. State Farm cut its South Portland average 8.5%, while Concord Group raised its average 15.3% and Allstate 2.8%. Liability-only coverage at 50/100/25 limits rose 6.3%.
For our benchmark driver, full coverage in South Portland averages about $138 a month. Nearby, Portland averages about $143, Scarborough about $136 and Westbrook about $138. Scarborough and Westbrook are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
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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.
