Cheap Car Insurance in Maine for 2023

Concord Group offers the cheapest car insurance in Maine, with an average monthly rate of $61 for full coverage.
Ben Moore
By Ben Moore  
Updated

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Table of Contents

Table of Contents

Auto insurance is an important purchase, but finding cheap car insurance in Maine isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Maine is Concord Group at $733 per year on average, or $61 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Maine. Meanwhile, the average cost of full coverage car insurance in Maine is $1,323 per year, or about $110 per month.

Minimum coverage in Maine is $483 per year on average, but we found you can likely get a cheaper policy. For example, Concord Group offers the cheapest rates in Maine at $288 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

How we chose the cheapest companies in Maine

NerdWallet’s editorial team analyzed car insurance rates from 14 auto insurers in Maine and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Maine. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Maine where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Maine for 20-year-olds

Drivers in Maine with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Concord Group: $1,303 per year, or about $109 per month.
  2. Countryway: $1,656 per year, or about $138 per month.
  3. Travelers: $1,823 per year, or about $152 per month.
  4. State Farm: $2,312 per year, or about $193 per month.
  5. MMG: $2,648 per year, or about $221 per month.

Cheapest minimum coverage car insurance in Maine for 20-year-olds

Drivers in Maine who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Concord Group: $558 per year, or about $47 per month.
  2. Countryway: $653 per year, or about $54 per month.
  3. State Farm: $808 per year, or about $67 per month.
  4. Travelers: $934 per year, or about $78 per month.
  5. MMG: $1,057 per year, or about $88 per month.

Cheapest auto insurance in Maine for 20-year-olds with poor credit

Drivers with poor credit in Maine should look at the following insurers with the lowest average rates for minimum coverage:

  1. Concord Group: $901 per year, or about $75 per month.
  2. Countryway: $941 per year, or about $78 per month.
  3. Patriot Insurance: $1,091 per year, or about $91 per month.
  4. Travelers: $1,250 per year, or about $104 per month.
  5. Allstate: $1,582 per year, or about $132 per month.

Cheapest auto insurance in Maine for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Maine, here are the companies with the lowest average rates for minimum coverage:

  1. Concord Group: $642 per year, or about $54 per month.
  2. Countryway: $798 per year, or about $66 per month.
  3. State Farm: $920 per year, or about $77 per month.
  4. Patriot Insurance: $1,198 per year, or about $100 per month.
  5. Travelers: $1,203 per year, or about $100 per month.

Cheapest auto insurance in Maine for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Maine, here are the companies with the lowest average rates for minimum coverage:

  1. Concord Group: $847 per year, or about $71 per month.
  2. Countryway: $968 per year, or about $81 per month.
  3. State Farm: $1,038 per year, or about $87 per month.
  4. Travelers: $1,150 per year, or about $96 per month.
  5. MMG: $1,263 per year, or about $105 per month.

Cheapest auto insurance in Maine for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Countryway: $792 per year, or about $66 per month.
  2. Concord Group: $936 per year, or about $78 per month.
  3. State Farm: $1,246 per year, or about $104 per month.
  4. Progressive: $1,403 per year, or about $117 per month.
  5. Allstate: $1,506 per year, or about $125 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Maine for 30-year-olds

Drivers in Maine who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Concord Group: $785 per year, or about $65 per month.
  2. MMG: $961 per year, or about $80 per month.
  3. State Farm: $982 per year, or about $82 per month.
  4. Countryway: $1,004 per year, or about $84 per month.
  5. Travelers: $1,013 per year, or about $84 per month.

Cheapest minimum coverage car insurance in Maine for 30-year-olds

Drivers in Maine who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Concord Group: $314 per year, or about $26 per month.
  2. State Farm: $322 per year, or about $27 per month.
  3. Countryway: $345 per year, or about $29 per month.
  4. MMG: $361 per year, or about $30 per month.
  5. Vermont Mutual: $365 per year, or about $30 per month.

Cheapest auto insurance in Maine for 30-year-olds with poor credit

Drivers with poor credit in Maine should consider the following companies with the lowest average rates for full coverage:

  1. Concord Group: $1,367 per year, or about $114 per month.
  2. Countryway: $1,518 per year, or about $126 per month.
  3. MMG: $1,555 per year, or about $130 per month.
  4. Travelers: $1,671 per year, or about $139 per month.
  5. Patriot Insurance: $2,008 per year, or about $167 per month.

Cheapest auto insurance in Maine for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Maine, here are the companies with the lowest average rates for minimum coverage:

  1. Concord Group: $361 per year, or about $30 per month.
  2. Vermont Mutual: $365 per year, or about $30 per month.
  3. State Farm: $366 per year, or about $31 per month.
  4. MMG: $410 per year, or about $34 per month.
  5. Patriot Insurance: $412 per year, or about $34 per month.

Cheapest auto insurance in Maine for 30-year-old drivers with one at-fault crash

For drivers in Maine with a recent accident, here are the lowest average rate options for full coverage:

  1. MMG: $1,149 per year, or about $96 per month.
  2. Concord Group: $1,171 per year, or about $98 per month.
  3. State Farm: $1,236 per year, or about $103 per month.
  4. Travelers: $1,398 per year, or about $117 per month.
  5. Vermont Mutual: $1,443 per year, or about $120 per month.

Cheapest auto insurance in Maine for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Concord Group: $1,311 per year, or about $109 per month.
  2. Countryway: $1,385 per year, or about $115 per month.
  3. State Farm: $1,457 per year, or about $121 per month.
  4. Travelers: $1,528 per year, or about $127 per month.
  5. MMG: $1,596 per year, or about $133 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Maine for 40-year-olds

Drivers in Maine with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Concord Group: $700 per year, or about $58 per month.
  2. MMG: $911 per year, or about $76 per month.
  3. Countryway: $917 per year, or about $76 per month.
  4. Travelers: $924 per year, or about $77 per month.
  5. State Farm: $941 per year, or about $78 per month.

Cheapest minimum coverage car insurance in Maine for 40-year-olds

Drivers in Maine who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Concord Group: $272 per year, or about $23 per month.
  2. State Farm: $317 per year, or about $26 per month.
  3. Countryway: $323 per year, or about $27 per month.
  4. Vermont Mutual: $324 per year, or about $27 per month.
  5. Patriot Insurance: $333 per year, or about $28 per month.

Cheapest auto insurance in Maine for 40-year-olds with poor credit

Drivers with poor credit in Maine can check out the following insurers with the lowest average rates for full coverage:

  1. Concord Group: $1,218 per year, or about $101 per month.
  2. Countryway: $1,384 per year, or about $115 per month.
  3. MMG: $1,474 per year, or about $123 per month.
  4. Travelers: $1,525 per year, or about $127 per month.
  5. Patriot Insurance: $1,802 per year, or about $150 per month.

Cheapest auto insurance in Maine for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Maine, here are the companies with the lowest average rates for minimum coverage:

  1. Concord Group: $313 per year, or about $26 per month.
  2. Vermont Mutual: $324 per year, or about $27 per month.
  3. State Farm: $360 per year, or about $30 per month.
  4. Patriot Insurance: $365 per year, or about $30 per month.
  5. MMG: $389 per year, or about $32 per month.

Cheapest auto insurance in Maine for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Maine, here are the companies with the lowest average rates for full coverage:

  1. Concord Group: $1,041 per year, or about $87 per month.
  2. MMG: $1,090 per year, or about $91 per month.
  3. State Farm: $1,185 per year, or about $99 per month.
  4. Vermont Mutual: $1,319 per year, or about $110 per month.
  5. Travelers: $1,367 per year, or about $114 per month.

Cheapest auto insurance in Maine for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Concord Group: $1,167 per year, or about $97 per month.
  2. Countryway: $1,261 per year, or about $105 per month.
  3. State Farm: $1,397 per year, or about $116 per month.
  4. Travelers: $1,494 per year, or about $124 per month.
  5. MMG: $1,510 per year, or about $126 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Maine for 50-year-olds

Drivers in Maine with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Concord Group: $676 per year, or about $56 per month.
  2. Vermont Mutual: $823 per year, or about $69 per month.
  3. MMG: $883 per year, or about $74 per month.
  4. Countryway: $893 per year, or about $74 per month.
  5. State Farm: $902 per year, or about $75 per month.

Cheapest minimum coverage car insurance in Maine for 50-year-olds

Drivers in Maine who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Concord Group: $264 per year, or about $22 per month.
  2. Vermont Mutual: $283 per year, or about $24 per month.
  3. State Farm: $306 per year, or about $26 per month.
  4. Patriot Insurance: $317 per year, or about $26 per month.
  5. Countryway: $322 per year, or about $27 per month.

Cheapest auto insurance in Maine for 50-year-olds with poor credit

Drivers with poor credit in Maine can check with the following companies, which showed the lowest average rates for full coverage:

  1. Concord Group: $1,175 per year, or about $98 per month.
  2. Countryway: $1,348 per year, or about $112 per month.
  3. MMG: $1,429 per year, or about $119 per month.
  4. Travelers: $1,508 per year, or about $126 per month.
  5. Patriot Insurance: $1,734 per year, or about $144 per month.

Cheapest auto insurance in Maine for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Maine, here are the companies with the lowest average rates for minimum coverage:

  1. Vermont Mutual: $283 per year, or about $24 per month.
  2. Concord Group: $303 per year, or about $25 per month.
  3. Patriot Insurance: $347 per year, or about $29 per month.
  4. State Farm: $349 per year, or about $29 per month.
  5. MMG: $374 per year, or about $31 per month.

Cheapest auto insurance in Maine for 50-year-old drivers with one at-fault crash

For drivers living in Maine with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Concord Group: $1,004 per year, or about $84 per month.
  2. MMG: $1,055 per year, or about $88 per month.
  3. State Farm: $1,135 per year, or about $95 per month.
  4. Vermont Mutual: $1,195 per year, or about $100 per month.
  5. Travelers: $1,352 per year, or about $113 per month.

Cheapest auto insurance in Maine for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Concord Group: $1,126 per year, or about $94 per month.
  2. Countryway: $1,227 per year, or about $102 per month.
  3. State Farm: $1,340 per year, or about $112 per month.
  4. MMG: $1,464 per year, or about $122 per month.
  5. Travelers: $1,478 per year, or about $123 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Maine for 60-year-olds

Drivers in Maine with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Concord Group: $676 per year, or about $56 per month.
  2. Travelers: $805 per year, or about $67 per month.
  3. Vermont Mutual: $823 per year, or about $69 per month.
  4. MMG: $881 per year, or about $73 per month.
  5. State Farm: $883 per year, or about $74 per month.

Cheapest minimum coverage car insurance in Maine for 60-year-olds

Drivers in Maine who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Concord Group: $264 per year, or about $22 per month.
  2. Vermont Mutual: $283 per year, or about $24 per month.
  3. State Farm: $298 per year, or about $25 per month.
  4. Patriot Insurance: $312 per year, or about $26 per month.
  5. Countryway: $322 per year, or about $27 per month.

Cheapest auto insurance in Maine for 60-year-olds with poor credit

Drivers with poor credit in Maine can look at the following companies with the lowest average rates for full coverage:

  1. Concord Group: $1,175 per year, or about $98 per month.
  2. Countryway: $1,340 per year, or about $112 per month.
  3. Travelers: $1,414 per year, or about $118 per month.
  4. MMG: $1,425 per year, or about $119 per month.
  5. Patriot Insurance: $1,723 per year, or about $144 per month.

Cheapest auto insurance in Maine for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Maine, here are the companies with the lowest average rates for minimum coverage:

  1. Vermont Mutual: $283 per year, or about $24 per month.
  2. Concord Group: $303 per year, or about $25 per month.
  3. State Farm: $339 per year, or about $28 per month.
  4. Patriot Insurance: $342 per year, or about $28 per month.
  5. MMG: $372 per year, or about $31 per month.

Cheapest auto insurance in Maine for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Maine, here are the companies with the lowest average rates for full coverage:

  1. Concord Group: $1,004 per year, or about $84 per month.
  2. MMG: $1,052 per year, or about $88 per month.
  3. State Farm: $1,112 per year, or about $93 per month.
  4. Vermont Mutual: $1,195 per year, or about $100 per month.
  5. Travelers: $1,249 per year, or about $104 per month.

Cheapest auto insurance in Maine for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Concord Group: $1,126 per year, or about $94 per month.
  2. Countryway: $1,221 per year, or about $102 per month.
  3. State Farm: $1,312 per year, or about $109 per month.
  4. Travelers: $1,362 per year, or about $113 per month.
  5. MMG: $1,460 per year, or about $122 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Maine for 70-year-olds

Drivers in Maine with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Concord Group: $676 per year, or about $56 per month.
  2. Travelers: $792 per year, or about $66 per month.
  3. Vermont Mutual: $823 per year, or about $69 per month.
  4. Countryway: $878 per year, or about $73 per month.
  5. MMG: $881 per year, or about $73 per month.

Cheapest minimum coverage car insurance in Maine for 70-year-olds

Drivers in Maine who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Concord Group: $264 per year, or about $22 per month.
  2. Vermont Mutual: $283 per year, or about $24 per month.
  3. State Farm: $302 per year, or about $25 per month.
  4. Patriot Insurance: $310 per year, or about $26 per month.
  5. Countryway: $322 per year, or about $27 per month.

Cheapest auto insurance in Maine for 70-year-olds with poor credit

Drivers with poor credit in Maine can look at the following companies with the lowest average rates for full coverage:

  1. Concord Group: $1,175 per year, or about $98 per month.
  2. Countryway: $1,327 per year, or about $111 per month.
  3. Travelers: $1,394 per year, or about $116 per month.
  4. MMG: $1,425 per year, or about $119 per month.
  5. Patriot Insurance: $1,704 per year, or about $142 per month.

Cheapest auto insurance in Maine for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Maine, here are the companies with the lowest average rates for minimum coverage:

  1. Vermont Mutual: $283 per year, or about $24 per month.
  2. Concord Group: $303 per year, or about $25 per month.
  3. Patriot Insurance: $340 per year, or about $28 per month.
  4. State Farm: $344 per year, or about $29 per month.
  5. MMG: $372 per year, or about $31 per month.

Cheapest auto insurance in Maine for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Maine, here are the companies with the lowest average rates for full coverage:

  1. Concord Group: $1,004 per year, or about $84 per month.
  2. MMG: $1,052 per year, or about $88 per month.
  3. State Farm: $1,124 per year, or about $94 per month.
  4. Vermont Mutual: $1,195 per year, or about $100 per month.
  5. Travelers: $1,233 per year, or about $103 per month.

Cheapest auto insurance in Maine for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Concord Group: $1,126 per year, or about $94 per month.
  2. Countryway: $1,211 per year, or about $101 per month.
  3. State Farm: $1,325 per year, or about $110 per month.
  4. Travelers: $1,344 per year, or about $112 per month.
  5. MMG: $1,460 per year, or about $122 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 61 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum required auto insurance in Maine

Maine law requires every vehicle owner to carry liability insurance, uninsured/underinsured motorist coverage and medical payments coverage. Liability insurance covers others’ expenses (up to your limit) if you’re at fault in the accident. Here are the minimum car insurance requirements in Maine:

  • $50,000 bodily injury liability per person.

  • $100,000 bodily injury liability per accident.

  • $25,000 property damage liability per accident.

  • $50,000 uninsured/underinsured motorist coverage per person.

  • $100,000 uninsured/underinsured motorist coverage per accident.

  • $2,000 medical payments coverage.

Maine’s minimum liability requirements are among the highest of any state, although experts generally recommend getting more than the minimum. Causing a car accident could result in injury or repair bills higher than the amounts legally required. You may also want to consider collision and comprehensive coverage for damage to your own vehicle.

For more information about car insurance law in Maine, check out NerdWallet’s guide to state car insurance requirements.

Alternative car insurance in Maine

High-risk drivers who are unable to buy Maine car insurance through the open market may qualify for coverage through the Maine Automobile Insurance Plan. Because this group tends to be in more accidents and make more claims, drivers will pay significantly higher rates.

For help searching for the cheapest car insurance in Maine, use NerdWallet’s car insurance comparison tool to compare car insurance rates.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2020 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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