Cheap Car Insurance in Maine for May 2024

Concord Group offers the cheapest car insurance in Maine, with an average annual rate of $1,022 for full coverage.
Ben Moore
By Ben Moore 
Updated

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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 Vermont Mutual at $832 per year on average, or $69 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 $1,175 per year, or about $98 per month.

🤓Nerdy Tip

Did your rates go up? Auto insurance prices are on the rise in Maine. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.

Minimum coverage in Maine is $373 per year on average, but we found you can likely get a cheaper policy. For example, Vermont Mutual offers the cheapest rates in Maine at $262 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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How we chose the cheapest companies in Maine

NerdWallet’s editorial team analyzed car insurance rates from 13 auto insurers in Maine and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. 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. Countryway: $1,742 per year, or about $145 per month.
  2. Concord Group: $1,922 per year, or about $160 per month.
  3. Geico: $2,328 per year, or about $194 per month.
  4. MMG: $2,493 per year, or about $208 per month.
  5. Bristol West: $2,829 per year, or about $236 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: $724 per year, or about $60 per month.
  2. Countryway: $725 per year, or about $60 per month.
  3. Concord Group: $728 per year, or about $61 per month.
  4. Allstate: $768 per year, or about $64 per month.
  5. Patriot Insurance: $843 per year, or about $70 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. Patriot Insurance: $843 per year, or about $70 per month.
  2. Geico: $992 per year, or about $83 per month.
  3. Countryway: $1,069 per year, or about $89 per month.
  4. Allstate: $1,076 per year, or about $90 per month.
  5. Concord Group: $1,175 per year, or about $98 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. Geico: $877 per year, or about $73 per month.
  2. Countryway: $886 per year, or about $74 per month.
  3. Concord Group: $918 per year, or about $77 per month.
  4. Vermont Mutual: $922 per year, or about $77 per month.
  5. Allstate: $950 per year, or about $79 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: $925 per year, or about $77 per month.
  2. Geico: $997 per year, or about $83 per month.
  3. Vermont Mutual: $1,012 per year, or about $84 per month.
  4. Countryway: $1,075 per year, or about $90 per month.
  5. MMG: $1,098 per year, or about $92 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: $880 per year, or about $73 per month.
  2. Geico: $1,101 per year, or about $92 per month.
  3. Allstate: $1,208 per year, or about $101 per month.
  4. Concord Group: $1,227 per year, or about $102 per month.
  5. Progressive: $1,309 per year, or about $109 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. Vermont Mutual: $832 per year, or about $69 per month.
  2. MMG: $868 per year, or about $72 per month.
  3. Countryway: $1,085 per year, or about $90 per month.
  4. Concord Group: $1,099 per year, or about $92 per month.
  5. Geico: $1,189 per year, or about $99 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. Vermont Mutual: $262 per year, or about $22 per month.
  2. MMG: $305 per year, or about $25 per month.
  3. Patriot Insurance: $325 per year, or about $27 per month.
  4. Geico: $359 per year, or about $30 per month.
  5. Allstate: $384 per year, or about $32 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. MMG: $1,392 per year, or about $116 per month.
  2. Geico: $1,478 per year, or about $123 per month.
  3. Countryway: $1,676 per year, or about $140 per month.
  4. Concord Group: $1,841 per year, or about $153 per month.
  5. Patriot Insurance: $1,877 per year, or about $156 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. Vermont Mutual: $262 per year, or about $22 per month.
  2. Patriot Insurance: $373 per year, or about $31 per month.
  3. MMG: $381 per year, or about $32 per month.
  4. Allstate: $460 per year, or about $38 per month.
  5. Countryway: $471 per year, or about $39 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: $1,038 per year, or about $87 per month.
  2. Vermont Mutual: $1,121 per year, or about $93 per month.
  3. Concord Group: $1,378 per year, or about $115 per month.
  4. Patriot Insurance: $1,623 per year, or about $135 per month.
  5. Countryway: $1,690 per year, or about $141 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. MMG: $1,442 per year, or about $120 per month.
  2. Countryway: $1,493 per year, or about $124 per month.
  3. Progressive: $1,507 per year, or about $126 per month.
  4. Concord Group: $1,762 per year, or about $147 per month.
  5. Geico: $2,472 per year, or about $206 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. Vermont Mutual: $735 per year, or about $61 per month.
  2. MMG: $820 per year, or about $68 per month.
  3. Concord Group: $997 per year, or about $83 per month.
  4. Countryway: $997 per year, or about $83 per month.
  5. Patriot Insurance: $1,104 per year, or about $92 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. Vermont Mutual: $232 per year, or about $19 per month.
  2. MMG: $281 per year, or about $23 per month.
  3. Patriot Insurance: $288 per year, or about $24 per month.
  4. Concord Group: $351 per year, or about $29 per month.
  5. Geico: $352 per year, or about $29 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. MMG: $1,321 per year, or about $110 per month.
  2. Geico: $1,443 per year, or about $120 per month.
  3. Countryway: $1,541 per year, or about $128 per month.
  4. Concord Group: $1,669 per year, or about $139 per month.
  5. Patriot Insurance: $1,683 per year, or about $140 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. Vermont Mutual: $232 per year, or about $19 per month.
  2. Patriot Insurance: $331 per year, or about $28 per month.
  3. MMG: $349 per year, or about $29 per month.
  4. Countryway: $441 per year, or about $37 per month.
  5. Allstate: $460 per year, or about $38 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. MMG: $981 per year, or about $82 per month.
  2. Vermont Mutual: $1,025 per year, or about $85 per month.
  3. Concord Group: $1,247 per year, or about $104 per month.
  4. Patriot Insurance: $1,456 per year, or about $121 per month.
  5. Countryway: $1,550 per year, or about $129 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. Progressive: $1,319 per year, or about $110 per month.
  2. MMG: $1,364 per year, or about $114 per month.
  3. Countryway: $1,368 per year, or about $114 per month.
  4. Concord Group: $1,613 per year, or about $134 per month.
  5. Geico: $2,472 per year, or about $206 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. Vermont Mutual: $638 per year, or about $53 per month.
  2. MMG: $794 per year, or about $66 per month.
  3. Concord Group: $948 per year, or about $79 per month.
  4. Countryway: $973 per year, or about $81 per month.
  5. Patriot Insurance: $1,065 per year, or about $89 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. Vermont Mutual: $203 per year, or about $17 per month.
  2. MMG: $271 per year, or about $23 per month.
  3. Patriot Insurance: $274 per year, or about $23 per month.
  4. Concord Group: $335 per year, or about $28 per month.
  5. Countryway: $359 per year, or about $30 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. MMG: $1,280 per year, or about $107 per month.
  2. Countryway: $1,502 per year, or about $125 per month.
  3. Vermont Mutual: $1,533 per year, or about $128 per month.
  4. Concord Group: $1,587 per year, or about $132 per month.
  5. Geico: $1,590 per year, or about $133 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: $203 per year, or about $17 per month.
  2. Patriot Insurance: $315 per year, or about $26 per month.
  3. MMG: $339 per year, or about $28 per month.
  4. Countryway: $439 per year, or about $37 per month.
  5. Concord Group: $445 per year, or about $37 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. Vermont Mutual: $929 per year, or about $77 per month.
  2. MMG: $951 per year, or about $79 per month.
  3. Concord Group: $1,190 per year, or about $99 per month.
  4. Patriot Insurance: $1,403 per year, or about $117 per month.
  5. Countryway: $1,513 per year, or about $126 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. Progressive: $1,315 per year, or about $110 per month.
  2. MMG: $1,319 per year, or about $110 per month.
  3. Countryway: $1,337 per year, or about $111 per month.
  4. Concord Group: $1,546 per year, or about $129 per month.
  5. Allstate: $2,442 per year, or about $203 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. Vermont Mutual: $638 per year, or about $53 per month.
  2. MMG: $791 per year, or about $66 per month.
  3. Concord Group: $948 per year, or about $79 per month.
  4. Countryway: $966 per year, or about $81 per month.
  5. Patriot Insurance: $1,059 per year, or about $88 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. Vermont Mutual: $203 per year, or about $17 per month.
  2. Patriot Insurance: $270 per year, or about $23 per month.
  3. MMG: $271 per year, or about $23 per month.
  4. Concord Group: $335 per year, or about $28 per month.
  5. Countryway: $359 per year, or about $30 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. MMG: $1,274 per year, or about $106 per month.
  2. Countryway: $1,493 per year, or about $124 per month.
  3. Vermont Mutual: $1,533 per year, or about $128 per month.
  4. Concord Group: $1,587 per year, or about $132 per month.
  5. Geico: $1,590 per year, or about $133 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: $203 per year, or about $17 per month.
  2. Patriot Insurance: $310 per year, or about $26 per month.
  3. MMG: $339 per year, or about $28 per month.
  4. Countryway: $439 per year, or about $37 per month.
  5. Concord Group: $445 per year, or about $37 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. Vermont Mutual: $929 per year, or about $77 per month.
  2. MMG: $947 per year, or about $79 per month.
  3. Concord Group: $1,190 per year, or about $99 per month.
  4. Patriot Insurance: $1,394 per year, or about $116 per month.
  5. Countryway: $1,506 per year, or about $126 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. MMG: $1,313 per year, or about $109 per month.
  2. Progressive: $1,315 per year, or about $110 per month.
  3. Countryway: $1,327 per year, or about $111 per month.
  4. Concord Group: $1,545 per year, or about $129 per month.
  5. Allstate: $2,442 per year, or about $203 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. Vermont Mutual: $638 per year, or about $53 per month.
  2. MMG: $791 per year, or about $66 per month.
  3. Concord Group: $948 per year, or about $79 per month.
  4. Countryway: $955 per year, or about $80 per month.
  5. Patriot Insurance: $1,046 per year, or about $87 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. Vermont Mutual: $203 per year, or about $17 per month.
  2. Patriot Insurance: $268 per year, or about $22 per month.
  3. MMG: $271 per year, or about $23 per month.
  4. Concord Group: $335 per year, or about $28 per month.
  5. Countryway: $359 per year, or about $30 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. MMG: $1,274 per year, or about $106 per month.
  2. Countryway: $1,477 per year, or about $123 per month.
  3. Vermont Mutual: $1,533 per year, or about $128 per month.
  4. Travelers: $1,581 per year, or about $132 per month.
  5. Concord Group: $1,587 per year, or about $132 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: $203 per year, or about $17 per month.
  2. Patriot Insurance: $308 per year, or about $26 per month.
  3. MMG: $339 per year, or about $28 per month.
  4. Countryway: $439 per year, or about $37 per month.
  5. Concord Group: $445 per year, or about $37 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. Vermont Mutual: $929 per year, or about $77 per month.
  2. MMG: $947 per year, or about $79 per month.
  3. Concord Group: $1,190 per year, or about $99 per month.
  4. Patriot Insurance: $1,379 per year, or about $115 per month.
  5. Countryway: $1,494 per year, or about $125 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. Progressive: $1,313 per year, or about $109 per month.
  2. MMG: $1,313 per year, or about $109 per month.
  3. Countryway: $1,315 per year, or about $110 per month.
  4. Concord Group: $1,545 per year, or about $129 per month.
  5. Allstate: $2,442 per year, or about $203 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 68 of the 70 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 2021 Toyota Camry LE 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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