Cheapest Auto Insurance in Maine (2025)
Liability auto insurance rates in Maine start at $40/mo.
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Drivers in Maine pay monthly averages of $81 for liability coverage and $145 for full coverage. This is slightly cheaper than the national monthly averages of $101 and $179.
Maine’s coastline stretches over 3,500 miles, and the state has more than 21,000 miles of public highways, which is more than any other New England state. The extensive roadways and risks associated with coastal living may affect car insurance costs.
Here’s what you should know about finding car insurance in the Pine Tree State.
Quick Facts
COUNTRY Financial, Auto-Owners, and USAA have the cheapest average liability insurance in Maine.
Much of Maine is rural, and vehicle collisions with wildlife are common. Between 2017 and 2021, collisions with deer accounted for nearly 17% of the state’s accidents.1
Teen drivers in Maine pay averages of $193 per month for liability insurance and $343 for full-coverage insurance.
3 of the cheapest car insurance companies in Maine
Many quality insurance companies do business in Maine. USAA, State Farm, and Travelers emerge as leaders for their consistently low rates across multiple situations, flexible coverage options, and reputation for customer service.
If you’re looking for car insurance in Maine, the companies below are a great place to start your search.
USAA
State Farm
Travelers
How to get the cheapest car insurance in Maine
Drivers in the Pine Tree State can’t avoid paying for car insurance. But the good news is that you don’t have to overpay. These strategies can help you lock in cheap car insurance:
Ask for discounts. Discounts are available through most insurance companies. Don’t hesitate to ask if you qualify for the lowest rates.
Shop around. Everyone has a unique situation, which affects your insurance premiums differently at different insurance companies. Shopping around can help you find cheap auto insurance for your situation.
Increase your deductible. Most insurers compensate for a higher deductible with a lower car insurance premium. If a higher deductible for full-coverage insurance fits into your finances, consider raising it.
Bundle insurance products. When you purchase multiple types of insurance through the same insurer, it might offer you a bundling discount.
Cheapest liability-only car insurance quotes in Maine: USAA
Liability car insurance covers damages and bodily injuries you cause to other parties during a car accident. This bare-bones insurance option is often the cheapest. But you’ll give up the financial protection that comes with more robust coverage.
For example, after an at-fault accident, your liability insurance policy can help you pay for the medical bills and repair costs of the other party. But if their damages exceed your policy’s liability limits, you could be responsible for the balance. And you’ll be on the hook for any repair costs related to your vehicle and medical expenses.
The average cost of liability insurance is $81 per month. Here’s a closer look at the cheapest companies for liability coverage in Maine:
Cheapest full-coverage car insurance quotes in Maine: USAA
A full-coverage car insurance policy, which includes both comprehensive and collision insurance, provides enhanced financial protection. After an incident, collision coverage can help you pay for repair or replacement costs of your vehicle. And comprehensive coverage can pay for non-accident damages, such as from hail or vandalism.
If you lease or finance your vehicle, your leasing company or lender will require you to carry full coverage. But even drivers who aren’t required to carry this coverage might want to pay for the additional protection.
On average, Maine drivers pay $145 per month for full-coverage insurance. Explore the cheapest car insurance companies for full coverage in Maine below:
When determining premiums, insurance companies often take your age into account.
With minimal experience behind the wheel, teen drivers represent a risk to auto insurance companies. Most young drivers face higher premiums than their more mature counterparts.
Most drivers will see falling car insurance premiums between ages 25 and 35, which can continue for decades. But around age 70, average rates tend to increase gradually. As a senior driver, you may face higher auto insurance costs.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Maine
Maine requires drivers to carry a minimum level of liability car insurance:2
Cheapest car insurance in Maine by driving record
It’s easy to make mistakes on the road. But a mistake can lead to increased car insurance costs.
People with a clean driving record pay less for car insurance than people with a driving violation, including speeding tickets, driving under the influence (DUI), and at-fault accidents. In general, the severity of the offense affects just how much your rate will increase.
The average cost of car insurance in Maine for drivers with a past incident on their record is $99 per month for liability insurance and $177 for full-coverage insurance. See how different driving incidents affect Maine auto insurance costs below.
Maine car insurance FAQs
Maine drivers face some unique challenges on the road, considering the state’s rural areas, coastal region, and abundant wildlife. Road conditions factor into car insurance rates, and you should take them into account when shopping for car insurance.
Here’s some additional information on Maine car insurance to help.
The cost of liability car insurance in Maine is $81 per month and $970 annually. On average, a full-coverage policy in the state costs $145 per month and $1,738 per year. How much you pay for coverage will depend on your driving record, credit history, age, chosen coverage, and more.
USAA has the cheapest average liability insurance cost in Maine at $40 per month. With respective average liability coverage rates of $41 and $63 per month, State Farm and Allstate also offer some of the cheapest insurance in Maine.
Travelers, USAA, and State Farm are among the best insurers for Maine drivers. State Farm has an Insurify Quality (IQ) Score of 9.3, while USAA and Travelers have scores of 9.1 and 8.5, respectively. The score reflects a company’s overall quality, customer service, and affordability.
Yes. Maine requires all drivers to carry a minimum level of car insurance. The state’s requirements are a bit more robust than in some other states. In addition to a minimum amount of liability coverage, Maine also requires drivers to carry uninsured/underinsured motorist coverage and medical payments coverage.
No. Maine is an at-fault state. A driver who causes an accident will be responsible for paying for damages and medical costs of the other drivers and their passengers. Insured drivers can rely on their liability coverage to pay at least some, if not all, of the costs they’re liable for — up to their policy’s coverage limits.
Uninsured drivers, or drivers whose liability limits fall short of the damage amount they’re liable for, could be on the hook to pay for some or all of the damages out of pocket.
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