Best Auto Insurance in Maine (2025)
Compare top-rated auto insurance companies in Maine. Find affordable coverage that meets ME state requirements and save up to 40% on your premium.
$918
Avg. Annual Premium
50/100/25
Minimum Coverage
Portland
Largest City
1.4 million
Population
Maine Auto Insurance Requirements
Maine has higher minimum coverage requirements but lower average premiums due to rural driving conditions.
Minimum Liability Coverage: 50/100/25
- • First number: Bodily injury per person
- • Second number: Bodily injury per accident
- • Third number: Property damage per accident
How to Find Cheap Car Insurance in Maine
Compare Multiple Quotes
Get quotes from at least 3-5 insurance companies. Rates in Maine can vary by hundreds of dollars for the same coverage.
Ask About Discounts
Safe driver, multi-policy, good student, and low mileage discounts can significantly reduce your premium.
Consider Higher Deductibles
Raising your deductible from $500 to $1,000 can lower your premium by 15-25%.
Maintain Good Credit
Most insurers in Maine use credit-based insurance scores. A good credit score can mean lower rates.
Drive Safely
A clean driving record is one of the best ways to keep your insurance costs down.
Maine Auto Insurance FAQs
What is the minimum auto insurance required in Maine?
Maine requires minimum liability coverage of 50/100/25 (bodily injury per person/per accident/property damage). Maine has higher minimum coverage requirements but lower average premiums due to rural driving conditions.
How much does car insurance cost in Maine?
The average annual car insurance premium in Maine is $918. Your actual rate may vary based on your driving record, age, vehicle, and coverage choices.
What factors affect auto insurance rates in Maine?
Key factors affecting Maine auto insurance rates include your driving record, age, credit score (where permitted), vehicle type, coverage levels, deductibles, and where you live within the state. Drivers in Portland typically pay more than those in rural areas.
How can I find cheap car insurance in Maine?
To find affordable car insurance in Maine: 1) Compare quotes from multiple insurers, 2) Ask about available discounts, 3) Consider raising your deductible, 4) Bundle with home insurance, 5) Maintain a clean driving record. The best rates often come from comparing at least 3-5 different companies.
Get Your Free Maine Quote
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