Find Cheaper Maine Car Insurance Rates in 2024

Average insurance rates in Maine for 2024 are $866 annually for full coverage. Comprehensive insurance, collision, and liability cost around $192, $352, and $224, respectively. Ellsworth and Skowhegan average the highest car insurance rates, and the three most popular companies in Maine are State Farm, Progressive, and Liberty Mutual.

Average rate for full coverage: $866

Premium estimates for individual coverage type:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Average Price Range for Auto Insurance in Maine

These price ranges show why it is important to compare prices for a specific zip code, instead of using average rates.

Use the form below to get accurate rates for your location.

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Chart shows Maine car insurance prices for different risks and coverage choices. The best price after discounts is $498. Maine drivers who use higher $1,000 deductibles will pay $744. The average price for a driver age 40 with no violations using $500 deductibles is $866. Choosing low $100 deductibles for comprehensive and collision insurance could cost up to $1,108. Drivers with multiple violations and accidents could be charged at least $1,874. The cost for full coverage for a 16-year-old driver can be as high as $3,190.

Insurance rates in Maine are also quite variable based on the type of vehicle you drive, how you drive, and deductibles and policy limits.

Using high physical damage deductibles could cut prices by as much as $370 every year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase rates by as much as $201 more per year. View Rates by Deductible or Liability Limit

The make and model of vehicle you drive has a significant impact on the price you pay for car insurance in Maine. Electing to drive a cheaper and lower-performance vehicle will be cheaper to insure due to cheaper replacement cost and reduced frequency of accidents. This table shows premium estimates for the most popular vehicles insured in Maine.

Your auto insurance company has an impact on price. In Maine, every insurance company has a slightly different rate calculation, and prices can change based on indivdual risk characteristics. In Maine, car insurance prices range from $618 with Travelers to as high as $2,110 with Hanover. Companies like USAA, Countryway Insurance, and Vermont Mutual fall somewhere in between.

These are probably not the prices you would have to pay, as your location, any driving violations, and the vehicle you are insuring have to be factored in.

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $800 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $3,100 a year. View Rates by Age

The area you live in has a huge impact on auto insurance prices. Less congested rural areas might see rates around $600 a year, while Ellsworth and Skowhegan may see rates upwards of $1,000. Even different neighborhoods with close proximity in the same city can have a wide range of rates.

These price discrepancies demonstrate the importance of getting rates based on your location.

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If you have some driving violations or you caused an accident, you could be paying at least $1,000 to $1,400 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 129% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know your exact price is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, so the rates may be quite different.