The best cheap car insurance in Maine

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  • Maine drivers pay $667 per year, on average, for car insurance premiums.
  • Maine is the second-least expensive state in the US for car insurance.
  • GEICO offers the most affordable coverage at every credit level.
  • Check out our partner Savvy — a free tool that lets you compare car insurance quotes in minutes  »

Maine is the second-least expensive state in the US for car insurance. The average driver pays $667, about $200 less than the US national average, according to the Insurance Information Institute. But, that's not to say that there aren't still some ways to save if you're willing to put in a few minutes of work. 

Shopping around for coverage is the best way to make sure you're getting the best price for you. Your premium, or the amount you'll pay for auto insurance coverage, depends on several factors, including things like your credit score, the type of car you drive, how many years of driving experience you have, and even where you live in Maine. 

Every company weighs these factors differently, so getting quotes from different companies and comparing them is the best way to find the most affordable policy for you.  

The most popular car insurance companies in Maine

The following are the most popular car insurance companies in Maine, based on the percentage of insured Maine drivers who use them:

CompanyMarket share (%)
Progressive 15.78
State Farm 12.90
GEICO11.47
Liberty Mutual 8.26
Allstate 6.86
USAA*4.94
MetLife 3.94
Concord Group Insurance 3.84
Travelers 3.39
The Hanover Insurance3.20
MMG Insurance Co.2.94
Auto Club Exchange 2.91
Quincy Mutual 2.76
National General Holdings 2.30
American Family 1.77
Frankenmuth Insurance 1.61
Horace Mann 1.57
Vermont Mutual Insurance 1.33
Amica 1.09
The Hartford 1.01
Sentry 0.91
MAPFRE 0.69
Farmers Insurance 0.67
Ohio Mutual Insurance 0.53
Nationwide 0.47

*USAA is only for active military, veterans, and their families.

Data from S&P Global Intelligence

The best car insurance in Maine based on customer satisfaction

Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the New England region (which includes Maine):

  1. Amica Mutual
  2. State Farm
  3. GEICO
  4. Region Average
  5. Progressive
  6. The Hanover 
  7. Arbella
  8. Liberty Mutual
  9. Plymouth Rock Assurance
  10. Travelers
  11. Allstate
  12. MetLife
  13. Safety Insurance 
  14. MAPFRE Insurance 

The best cheap car insurance in Maine based on credit score

Consumer Reports compiled a list of all car insurance pricing formulas from all companies in every state. It used an average single adult driver to find the best pricing in each state, and found that three companies came out on top for three different credit levels. Here are the three best companies for each level and their average price for coverage:

Drivers with excellent credit, FICO score 800-850, will see some of the best average rates on car insurance.

  • USAA car insurance: $480 per year
  • GEICO car insurance: $601 per year
  • State Farm car insurance: $814 per year

Drivers with good credit, FICO score 670-739, will see the best coverage from these three companies, on average:

  • USAA car insurance: $554 per year
  • GEICO car insurance: $617 per year
  • Concord General Mutual car insurance: $993 per year

Those with poor credit, FICO score 300-579, will pay more for their car insurance, on average.

  • GEICO car insurance: $778 per year
  • USAA car insurance: $1,338 per year
  • Concord General Mutual car insurance: $1,607 per year

The best car insurance for drivers with a clean record

For a driver in Maine age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:

CompanyAverage monthly insurance premium
State Farm$73
Nationwide$87
GEICO$93
Progressive$95
Allstate$105
Esurance$106
Liberty Mutual$107
MetLife$123
Travelers$126
USAA*$218

*USAA is only for active military, veterans, and their families.

Above data obtained from Savvy, based on 358 policyholders in the state of Maine

Best car insurance for one or more accidents on record

For a driver in Maine age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:

CompanyAverage monthly insurance premium
GEICO$118
Progressive$120
Allstate$123
Esurance$251
Bristol West$304

Above data obtained from Savvy, based on 358 policyholders in the state of Maine

Maine car insurance rates by city

Below is the estimated average annual premium of auto insurance policies per household in Maine's most populous cities:

CompanyAverage annual insurance premium
Portland  $1,424
Lewiston $1,341
Bangor  $1,365
South Portland  $1,513
Auburn  $1,431
Biddeford  $1,388
Saco  $1,511
Augusta  $1,369
Westbrook  $1,462
Waterville  $1,310
Brunswick  $1,489
Orono  $1,381
Sanford  $1,324
Brewer  $1,466
Old Orchard Beach $1,378
Presque Isle  $1,352
Ellsworth  $1,434
Bath  $1,373
Winslow $1,439
Gorham  $1,590
Caribou  $1,379
Old Town  $1,352
Rockland $1,367
Belfast  $1,396
Skowhegan  $1,300
Topsham  $1,530
Yarmouth  $1,642
Kennebunk  $1,464
Gardiner  $1,417
North Windham  $1,543
Scarborough  $1,599
South Sanford $1,443
Kittery  $1,464
Houlton  $1,395
Farmington  $1,310
Hampden  $1,609
Millinocket  $1,302
Rumford  $1,208
Lisbon Falls  $1,510
Camden  $1,414

Data from S&P Global Intelligence

Who gets the best cheap car insurance in Maine?

As the data above shows, your credit score is one of the bigger influences on the price you'll pay for coverage. But, there are many other factors that play into your premium, too. With every company considering them differently, it's critical to shop around. 

If you want to get the best rate for you, you'll need to start by getting quotes from several different insurance companies. Once you have a few different quotes, you'll want to compare them and look for the policy that gives you the most coverage for your money by giving the most coverage types and the highest limits. Also look at the deductible, or the amount you'll pay out-of-pocket if you get into an accident. 

The driver who gets the best deal in Maine is the one who shops around for their coverage. Compare quotes and look beyond the premium to find the best-priced coverage for you. 

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