Average Car Insurance Cost in Maine (2025)
Drivers in Maine pay an average of $116 per month for car insurance.
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In Maine, a full-coverage policy averages $149 monthly, which is less than the national full-coverage average of $184.
Many factors contribute to Maine’s inexpensive average auto insurance rate, including the state’s low population density and second-lowest percentage of uninsured motorists in the country.1 Although insurance rates have increased over the past several years, you can still find cheap car insurance in Maine.
How much is car insurance in Maine?
In Maine, full coverage costs an average of $149 per month, or $1,791 per year. Full-coverage car insurance, which includes comprehensive and collision, pays for damage to your car.2
If your car is older, or you can afford to pay out of pocket to replace it, you’ll save money by switching to liability-only coverage. In Maine, liability-only insurance costs an average of $83 per month, or $999 per year. Your actual costs depend on factors like your driver demographics, type of vehicle you drive, and the coverage amount you choose.
Average Maine car insurance rates by city
Where you live in Maine influences your insurance costs, as rates tend to be higher in big cities with more drivers. Insurance companies also consider theft, vandalism, and accident rates, as well as weather patterns and repair costs.
Average Maine car insurance rates by age and gender
Your age and gender also affect your car insurance rates. Rates tend to be highest for teenage drivers due to their lack of experience and higher rate of fatal crashes.3 A 16-year-old driver, for example, pays much more for car insurance than a senior driver pays for the same coverage.
Beyond age, gender also influences insurance rates. Data shows that men not only get into more accidents than women but also tend to have more serious accidents.4
The table below outlines the average rates for male and female drivers based on age. You’ll receive a more competitive rate as you age and gain more driving experience.
Average cost to insure popular vehicles in Maine
Your vehicle’s make and model are other factors that affect your car insurance rates. For example, a vehicle that’s only a year old usually costs more to insure than an older car.
In Maine, trucks top the list of the state’s most popular vehicles, according to data from Edmunds, due to their ability to handle Maine’s terrain and harsh winters. The Toyota RAV4 and Subaru Forester’s safety features and practicality make them popular options for Maine drivers as well.
Below, you can see the average insurance rates for each of these popular vehicles.
How your driving record affects car insurance rates in Maine
Insurance companies consider your driving history over the past three to five years. The better your driving record, the lower your car insurance costs.5
Every time you’re involved in an accident and file a claim, you’ll receive compensation from your insurer. For this reason, if you have a history of at-fault accidents, speeding tickets, or DUIs, you’ll have higher monthly rates since insurance companies consider you a higher risk.
The following table shows the average rate for a driver with an accident, speeding ticket, or DUI on their record and the percentage that each infraction increases their premium.
How to lower your insurance costs in Maine
Maine insurance rates are below the national average, but you can take additional steps to find the best insurance for your needs:7