The Cheapest Car Insurance in Maine for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Maine for a variety of ages and driving histories.
Dec 10, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in Maine isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Maine is $1,102 per year, or about $92 per month, according to NerdWallet’s analysis. Minimum coverage in Maine is $374 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in Maine at $176 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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Cheapest car insurance company overall in Maine

$47/month

4.5

NerdWallet rating 

Cheapest for minimum coverage

$15/month

4.5

NerdWallet rating 

Cheapest for young drivers

$97/month

4.5

NerdWallet rating 

Cheapest for drivers with poor credit

$47/month

4.5

NerdWallet rating 

How we chose the cheapest companies in Maine

NerdWallet’s editorial team analyzed car insurance rates from 12 auto insurers in Maine and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 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.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find 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. Geico: $1,165 per year, or about $97 per month.

  2. Concord Group: $1,213 per year, or about $101 per month.

  3. Countryway: $1,507 per year, or about $126 per month.

  4. State Farm: $1,870 per year, or about $156 per month.

  5. MetLife: $2,482 per year, or about $207 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. Geico: $387 per year, or about $32 per month.

  2. Concord Group: $539 per year, or about $45 per month.

  3. Countryway: $682 per year, or about $57 per month.

  4. State Farm: $692 per year, or about $58 per month.

  5. Vermont Mutual: $900 per year, or about $75 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. Geico: $664 per year, or about $55 per month.

  2. Concord Group: $786 per year, or about $66 per month.

  3. Countryway: $972 per year, or about $81 per month.

  4. Allstate: $1,213 per year, or about $101 per month.

  5. Bristol West: $1,584 per year, or about $132 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. Geico: $478 per year, or about $40 per month.

  2. Concord Group: $796 per year, or about $66 per month.

  3. State Farm: $894 per year, or about $74 per month.

  4. Vermont Mutual: $969 per year, or about $81 per month.

  5. Countryway: $1,008 per year, or about $84 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. Geico: $672 per year, or about $56 per month.

  2. Countryway: $833 per year, or about $69 per month.

  3. Vermont Mutual: $900 per year, or about $75 per month.

  4. Concord Group: $905 per year, or about $75 per month.

  5. State Farm: $1,067 per year, or about $89 per month.

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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 with clean driving records may get the lowest rates from these companies:

  1. Geico: $550 per year, or about $46 per month.

  2. Concord Group: $728 per year, or about $61 per month.

  3. State Farm: $882 per year, or about $74 per month.

  4. Countryway: $885 per year, or about $74 per month.

  5. Vermont Mutual: $896 per year, or about $75 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. Geico: $176 per year, or about $15 per month.

  2. Vermont Mutual: $280 per year, or about $23 per month.

  3. Concord Group: $302 per year, or about $25 per month.

  4. State Farm: $320 per year, or about $27 per month.

  5. Countryway: $337 per year, or about $28 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. Geico: $871 per year, or about $73 per month.

  2. Concord Group: $1,074 per year, or about $90 per month.

  3. Countryway: $1,329 per year, or about $111 per month.

  4. MMG: $1,704 per year, or about $142 per month.

  5. Allstate: $2,012 per year, or about $168 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. Geico: $888 per year, or about $74 per month.

  2. Concord Group: $1,057 per year, or about $88 per month.

  3. State Farm: $1,117 per year, or about $93 per month.

  4. Vermont Mutual: $1,241 per year, or about $103 per month.

  5. MMG: $1,261 per year, or about $105 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. Vermont Mutual: $896 per year, or about $75 per month.

  2. Countryway: $1,212 per year, or about $101 per month.

  3. Concord Group: $1,217 per year, or about $101 per month.

  4. State Farm: $1,315 per year, or about $110 per month.

  5. Geico: $1,474 per year, or about $123 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. Geico: $564 per year, or about $47 per month.

  2. Concord Group: $646 per year, or about $54 per month.

  3. Countryway: $805 per year, or about $67 per month.

  4. Vermont Mutual: $812 per year, or about $68 per month.

  5. State Farm: $854 per year, or about $71 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. Geico: $176 per year, or about $15 per month.

  2. Vermont Mutual: $254 per year, or about $21 per month.

  3. Concord Group: $260 per year, or about $22 per month.

  4. Countryway: $311 per year, or about $26 per month.

  5. State Farm: $314 per year, or about $26 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. Geico: $893 per year, or about $74 per month.

  2. Concord Group: $953 per year, or about $79 per month.

  3. Countryway: $1,209 per year, or about $101 per month.

  4. MMG: $1,613 per year, or about $134 per month.

  5. Vermont Mutual: $1,948 per year, or about $162 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. Geico: $912 per year, or about $76 per month.

  2. Concord Group: $935 per year, or about $78 per month.

  3. State Farm: $1,082 per year, or about $90 per month.

  4. Vermont Mutual: $1,146 per year, or about $96 per month.

  5. MMG: $1,194 per year, or about $100 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. Vermont Mutual: $812 per year, or about $68 per month.

  2. Concord Group: $1,078 per year, or about $90 per month.

  3. Countryway: $1,101 per year, or about $92 per month.

  4. State Farm: $1,274 per year, or about $106 per month.

  5. Progressive: $1,413 per year, or about $118 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 the best cheap car 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. Geico: $527 per year, or about $44 per month.

  2. Concord Group: $623 per year, or about $52 per month.

  3. Vermont Mutual: $770 per year, or about $64 per month.

  4. Countryway: $785 per year, or about $65 per month.

  5. MetLife: $799 per year, or about $67 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. Geico: $164 per year, or about $14 per month.

  2. Vermont Mutual: $241 per year, or about $20 per month.

  3. Concord Group: $252 per year, or about $21 per month.

  4. MetLife: $305 per year, or about $25 per month.

  5. State Farm: $307 per year, or about $26 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. Geico: $833 per year, or about $69 per month.

  2. Concord Group: $919 per year, or about $77 per month.

  3. Countryway: $1,177 per year, or about $98 per month.

  4. MMG: $1,562 per year, or about $130 per month.

  5. Allstate: $1,821 per year, or about $152 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. Geico: $872 per year, or about $73 per month.

  2. Concord Group: $900 per year, or about $75 per month.

  3. State Farm: $1,049 per year, or about $87 per month.

  4. Vermont Mutual: $1,098 per year, or about $92 per month.

  5. MMG: $1,155 per year, or about $96 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. Vermont Mutual: $770 per year, or about $64 per month.

  2. Concord Group: $1,039 per year, or about $87 per month.

  3. Countryway: $1,072 per year, or about $89 per month.

  4. State Farm: $1,237 per year, or about $103 per month.

  5. Progressive: $1,407 per year, or about $117 per month.

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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 auto 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. Geico: $527 per year, or about $44 per month.

  2. Concord Group: $623 per year, or about $52 per month.

  3. MetLife: $745 per year, or about $62 per month.

  4. Vermont Mutual: $770 per year, or about $64 per month.

  5. Countryway: $780 per year, or about $65 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. Geico: $164 per year, or about $14 per month.

  2. Vermont Mutual: $241 per year, or about $20 per month.

  3. Concord Group: $252 per year, or about $21 per month.

  4. MetLife: $294 per year, or about $24 per month.

  5. State Farm: $307 per year, or about $26 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. Geico: $833 per year, or about $69 per month.

  2. Concord Group: $919 per year, or about $77 per month.

  3. Countryway: $1,170 per year, or about $98 per month.

  4. MMG: $1,558 per year, or about $130 per month.

  5. Allstate: $1,784 per year, or about $149 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. Geico: $872 per year, or about $73 per month.

  2. Concord Group: $900 per year, or about $75 per month.

  3. State Farm: $1,048 per year, or about $87 per month.

  4. Vermont Mutual: $1,098 per year, or about $92 per month.

  5. MMG: $1,152 per year, or about $96 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. Vermont Mutual: $770 per year, or about $64 per month.

  2. Concord Group: $1,039 per year, or about $87 per month.

  3. Countryway: $1,067 per year, or about $89 per month.

  4. State Farm: $1,237 per year, or about $103 per month.

  5. Progressive: $1,407 per year, or about $117 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 five auto insurance options for all 48 driver profiles we examined.

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 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

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.

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