Cheap Car Insurance in Maine for March 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 Concord Group at $1,022 per year on average, or $85 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 $1,407 per year, or about $117 per month.

Minimum coverage in Maine is $452 per year on average, but we found you can likely get a cheaper policy. For example, Patriot Insurance offers the cheapest rates in Maine at $349 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 13 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: $1,924 per year, or about $160 per month.
  2. Countryway: $2,023 per year, or about $169 per month.
  3. Geico: $3,084 per year, or about $257 per month.
  4. MMG: $3,131 per year, or about $261 per month.
  5. Bristol West: $3,439 per year, or about $287 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: $760 per year, or about $63 per month.
  2. Countryway: $922 per year, or about $77 per month.
  3. Geico: $973 per year, or about $81 per month.
  4. Patriot Insurance: $984 per year, or about $82 per month.
  5. Allstate: $1,009 per year, or about $84 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: $984 per year, or about $82 per month.
  2. Concord Group: $1,229 per year, or about $102 per month.
  3. Countryway: $1,363 per year, or about $114 per month.
  4. Geico: $1,370 per year, or about $114 per month.
  5. Allstate: $1,445 per year, or about $120 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: $813 per year, or about $68 per month.
  2. Countryway: $1,128 per year, or about $94 per month.
  3. Patriot Insurance: $1,135 per year, or about $95 per month.
  4. Allstate: $1,214 per year, or about $101 per month.
  5. Vermont Mutual: $1,405 per year, or about $117 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: $940 per year, or about $78 per month.
  2. Patriot Insurance: $1,308 per year, or about $109 per month.
  3. MMG: $1,338 per year, or about $112 per month.
  4. Countryway: $1,370 per year, or about $114 per month.
  5. Allstate: $1,451 per year, or about $121 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: $1,120 per year, or about $93 per month.
  2. Concord Group: $1,275 per year, or about $106 per month.
  3. Progressive: $1,471 per year, or about $123 per month.
  4. Allstate: $1,534 per year, or about $128 per month.
  5. Bristol West: $1,746 per year, or about $146 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: $1,082 per year, or about $90 per month.
  2. MMG: $1,090 per year, or about $91 per month.
  3. Countryway: $1,245 per year, or about $104 per month.
  4. Vermont Mutual: $1,276 per year, or about $106 per month.
  5. Travelers: $1,421 per year, or about $118 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. MMG: $372 per year, or about $31 per month.
  2. Patriot Insurance: $378 per year, or about $32 per month.
  3. Vermont Mutual: $400 per year, or about $33 per month.
  4. Concord Group: $408 per year, or about $34 per month.
  5. Geico: $457 per year, or about $38 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: $1,746 per year, or about $146 per month.
  2. Concord Group: $1,809 per year, or about $151 per month.
  3. Countryway: $1,923 per year, or about $160 per month.
  4. Travelers: $2,099 per year, or about $175 per month.
  5. Patriot Insurance: $2,191 per year, or about $183 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: $400 per year, or about $33 per month.
  2. Patriot Insurance: $435 per year, or about $36 per month.
  3. Concord Group: $436 per year, or about $36 per month.
  4. MMG: $466 per year, or about $39 per month.
  5. Allstate: $567 per year, or about $47 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: $1,304 per year, or about $109 per month.
  2. Concord Group: $1,314 per year, or about $110 per month.
  3. Vermont Mutual: $1,721 per year, or about $143 per month.
  4. Patriot Insurance: $1,896 per year, or about $158 per month.
  5. Countryway: $1,954 per year, or about $163 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. Countryway: $1,704 per year, or about $142 per month.
  2. Concord Group: $1,729 per year, or about $144 per month.
  3. MMG: $1,814 per year, or about $151 per month.
  4. Progressive: $1,980 per year, or about $165 per month.
  5. State Farm: $2,652 per year, or about $221 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: $979 per year, or about $82 per month.
  2. MMG: $1,030 per year, or about $86 per month.
  3. Vermont Mutual: $1,128 per year, or about $94 per month.
  4. Countryway: $1,144 per year, or about $95 per month.
  5. Patriot Insurance: $1,289 per year, or about $107 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. Patriot Insurance: $335 per year, or about $28 per month.
  2. MMG: $343 per year, or about $29 per month.
  3. Vermont Mutual: $355 per year, or about $30 per month.
  4. Concord Group: $364 per year, or about $30 per month.
  5. Countryway: $454 per year, or about $38 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: $1,635 per year, or about $136 per month.
  2. MMG: $1,657 per year, or about $138 per month.
  3. Countryway: $1,766 per year, or about $147 per month.
  4. Patriot Insurance: $1,965 per year, or about $164 per month.
  5. Travelers: $1,976 per year, or about $165 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: $355 per year, or about $30 per month.
  2. Patriot Insurance: $385 per year, or about $32 per month.
  3. Concord Group: $388 per year, or about $32 per month.
  4. MMG: $426 per year, or about $36 per month.
  5. Countryway: $556 per year, or about $46 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: $1,184 per year, or about $99 per month.
  2. MMG: $1,231 per year, or about $103 per month.
  3. Vermont Mutual: $1,572 per year, or about $131 per month.
  4. Patriot Insurance: $1,702 per year, or about $142 per month.
  5. Countryway: $1,797 per year, or about $150 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. Countryway: $1,561 per year, or about $130 per month.
  2. Concord Group: $1,578 per year, or about $132 per month.
  3. MMG: $1,713 per year, or about $143 per month.
  4. Progressive: $1,733 per year, or about $144 per month.
  5. State Farm: $2,545 per year, or about $212 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: $930 per year, or about $77 per month.
  2. Vermont Mutual: $980 per year, or about $82 per month.
  3. MMG: $998 per year, or about $83 per month.
  4. Countryway: $1,115 per year, or about $93 per month.
  5. Patriot Insurance: $1,242 per year, or about $104 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: $310 per year, or about $26 per month.
  2. Patriot Insurance: $319 per year, or about $27 per month.
  3. MMG: $331 per year, or about $28 per month.
  4. Concord Group: $347 per year, or about $29 per month.
  5. Allstate: $442 per year, or about $37 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: $1,552 per year, or about $129 per month.
  2. MMG: $1,605 per year, or about $134 per month.
  3. Countryway: $1,722 per year, or about $143 per month.
  4. Travelers: $1,790 per year, or about $149 per month.
  5. Patriot Insurance: $1,896 per year, or about $158 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: $310 per year, or about $26 per month.
  2. Patriot Insurance: $365 per year, or about $30 per month.
  3. Concord Group: $371 per year, or about $31 per month.
  4. MMG: $413 per year, or about $34 per month.
  5. Allstate: $518 per year, or about $43 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: $1,128 per year, or about $94 per month.
  2. MMG: $1,194 per year, or about $100 per month.
  3. Vermont Mutual: $1,424 per year, or about $119 per month.
  4. Patriot Insurance: $1,638 per year, or about $137 per month.
  5. Countryway: $1,756 per year, or about $146 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: $1,511 per year, or about $126 per month.
  2. Countryway: $1,524 per year, or about $127 per month.
  3. MMG: $1,659 per year, or about $138 per month.
  4. Progressive: $1,727 per year, or about $144 per month.
  5. State Farm: $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. Concord Group: $930 per year, or about $77 per month.
  2. Vermont Mutual: $980 per year, or about $82 per month.
  3. MMG: $994 per year, or about $83 per month.
  4. Countryway: $1,108 per year, or about $92 per month.
  5. Travelers: $1,207 per year, or about $101 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: $310 per year, or about $26 per month.
  2. Patriot Insurance: $314 per year, or about $26 per month.
  3. MMG: $331 per year, or about $28 per month.
  4. Concord Group: $347 per year, or about $29 per month.
  5. Allstate: $442 per year, or about $37 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: $1,552 per year, or about $129 per month.
  2. MMG: $1,598 per year, or about $133 per month.
  3. Travelers: $1,699 per year, or about $142 per month.
  4. Countryway: $1,711 per year, or about $143 per month.
  5. Patriot Insurance: $1,884 per year, or about $157 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: $310 per year, or about $26 per month.
  2. Patriot Insurance: $360 per year, or about $30 per month.
  3. Concord Group: $371 per year, or about $31 per month.
  4. MMG: $413 per year, or about $34 per month.
  5. Allstate: $518 per year, or about $43 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: $1,128 per year, or about $94 per month.
  2. MMG: $1,189 per year, or about $99 per month.
  3. Vermont Mutual: $1,424 per year, or about $119 per month.
  4. Patriot Insurance: $1,628 per year, or about $136 per month.
  5. Countryway: $1,746 per year, or about $146 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: $1,511 per year, or about $126 per month.
  2. Countryway: $1,516 per year, or about $126 per month.
  3. MMG: $1,652 per year, or about $138 per month.
  4. Progressive: $1,727 per year, or about $144 per month.
  5. State Farm: $2,390 per year, or about $199 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: $930 per year, or about $77 per month.
  2. Vermont Mutual: $980 per year, or about $82 per month.
  3. MMG: $994 per year, or about $83 per month.
  4. Countryway: $1,095 per year, or about $91 per month.
  5. Travelers: $1,158 per year, or about $97 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: $310 per year, or about $26 per month.
  2. Patriot Insurance: $312 per year, or about $26 per month.
  3. MMG: $331 per year, or about $28 per month.
  4. Concord Group: $347 per year, or about $29 per month.
  5. Allstate: $442 per year, or about $37 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: $1,552 per year, or about $129 per month.
  2. MMG: $1,598 per year, or about $133 per month.
  3. Travelers: $1,627 per year, or about $136 per month.
  4. Countryway: $1,693 per year, or about $141 per month.
  5. Patriot Insurance: $1,861 per year, or about $155 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: $310 per year, or about $26 per month.
  2. Patriot Insurance: $358 per year, or about $30 per month.
  3. Concord Group: $371 per year, or about $31 per month.
  4. MMG: $413 per year, or about $34 per month.
  5. Allstate: $518 per year, or about $43 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: $1,128 per year, or about $94 per month.
  2. MMG: $1,189 per year, or about $99 per month.
  3. Vermont Mutual: $1,424 per year, or about $119 per month.
  4. Patriot Insurance: $1,610 per year, or about $134 per month.
  5. Countryway: $1,731 per year, or about $144 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. Countryway: $1,502 per year, or about $125 per month.
  2. Concord Group: $1,511 per year, or about $126 per month.
  3. MMG: $1,652 per year, or about $138 per month.
  4. Progressive: $1,726 per year, or about $144 per month.
  5. State Farm: $2,415 per year, or about $201 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 the cheapest auto insurance options for 56 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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