Advertiser Disclosure

Best Cheap Car Insurance in Maine for 2021

July 12, 2021
Auto Insurance, Insurance
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

If you’re looking for cheap car insurance in Maine, you may already know that finding the best deal can be challenging. Insurance costs vary depending on your age, gender, where you live, your driving record and other factors. In addition, rates can change considerably from one insurance company to the next, which is why shopping for the best deal is well worth your while.

 

To help in your search for the cheapest Maine auto insurance, NerdWallet researched 22 of the state’s insurers and found the five cheapest options for several types of drivers.

Cheapest car insurance in Maine 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: $1,132 per year.
  2. Concord Group: $1,158 per year.
  3. Countryway: $1,292 per year.
  4. State Farm: $1,964 per year.
  5. MetLife: $2,472 per year.

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.
  2. Concord Group: $497 per year.
  3. Countryway: $620 per year.
  4. State Farm: $782 per year.
  5. Vermont Mutual: $900 per year.

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.
  2. Concord Group: $725 per year.
  3. Countryway: $884 per year.
  4. Allstate: $1,241 per year.
  5. Progressive: $1,427 per year.

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.
  2. Concord Group: $733 per year.
  3. Countryway: $916 per year.
  4. Vermont Mutual: $969 per year.
  5. State Farm: $1,010 per year.

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.
  2. Countryway: $757 per year.
  3. Concord Group: $834 per year.
  4. Vermont Mutual: $900 per year.
  5. Progressive: $1,028 per year.

Cheapest car insurance in Maine 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: $534 per year.
  2. Concord Group: $696 per year.
  3. Countryway: $802 per year.
  4. Vermont Mutual: $849 per year.
  5. State Farm: $921 per year.

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.
  2. Concord Group: $279 per year.
  3. Countryway: $309 per year.
  4. Vermont Mutual: $310 per year.
  5. State Farm: $360 per year.

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: $846 per year.
  2. Concord Group: $1,027 per year.
  3. Countryway: $1,202 per year.
  4. MMG: $1,675 per year.
  5. Progressive: $1,720 per year.

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: $863 per year.
  2. Concord Group: $1,009 per year.
  3. State Farm: $1,169 per year.
  4. MMG: $1,239 per year.
  5. Countryway: $1,262 per year.

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: $849 per year.
  2. Countryway: $1,096 per year.
  3. Concord Group: $1,162 per year.
  4. Progressive: $1,272 per year.
  5. State Farm: $1,380 per year.

Cheapest car insurance in Maine 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: $534 per year.
  2. Concord Group: $618 per year.
  3. Countryway: $759 per year.
  4. Vermont Mutual: $769 per year.
  5. MetLife: $870 per year.

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.
  2. Concord Group: $240 per year.
  3. Vermont Mutual: $282 per year.
  4. Countryway: $285 per year.
  5. MetLife: $342 per year.

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: $846 per year.
  2. Concord Group: $912 per year.
  3. Countryway: $1,139 per year.
  4. MMG: $1,586 per year.
  5. Progressive: $1,720 per year.

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: $863 per year.
  2. Concord Group: $893 per year.
  3. State Farm: $1,132 per year.
  4. MMG: $1,174 per year.
  5. Countryway: $1,190 per year.

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: $769 per year.
  2. Concord Group: $1,030 per year.
  3. Countryway: $1,039 per year.
  4. Progressive: $1,272 per year.
  5. State Farm: $1,338 per year.

Cheapest car insurance in Maine 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: $499 per year.
  2. Concord Group: $595 per year.
  3. Vermont Mutual: $730 per year.
  4. Countryway: $749 per year.
  5. MetLife: $798 per year.

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.
  2. Concord Group: $232 per year.
  3. Vermont Mutual: $267 per year.
  4. Countryway: $283 per year.
  5. MetLife: $320 per year.

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: $789 per year.
  2. Concord Group: $879 per year.
  3. Countryway: $1,125 per year.
  4. MMG: $1,536 per year.
  5. Electric Insurance: $1,665 per year.

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: $825 per year.
  2. Concord Group: $861 per year.
  3. State Farm: $1,100 per year.
  4. MMG: $1,136 per year.
  5. Vermont Mutual: $1,151 per year.

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: $730 per year.
  2. Concord Group: $992 per year.
  3. Countryway: $1,026 per year.
  4. Progressive: $1,272 per year.
  5. State Farm: $1,300 per year.

Cheapest car insurance in Maine for 65-year-old drivers

Although 65-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 mid-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 65-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: $499 per year.
  2. Concord Group: $595 per year.
  3. Vermont Mutual: $730 per year.
  4. MetLife: $734 per year.
  5. Countryway: $741 per year.

Cheapest minimum coverage car insurance in Maine for 65-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.
  2. Concord Group: $232 per year.
  3. Vermont Mutual: $267 per year.
  4. Countryway: $283 per year.
  5. MetLife: $308 per year.

Cheapest auto insurance in Maine for 65-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: $789 per year.
  2. Concord Group: $879 per year.
  3. Countryway: $1,113 per year.
  4. MMG: $1,533 per year.
  5. Electric Insurance: $1,665 per year.

Cheapest auto insurance in Maine for 65-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: $825 per year.
  2. Concord Group: $861 per year.
  3. State Farm: $1,100 per year.
  4. MMG: $1,133 per year.
  5. Vermont Mutual: $1,151 per year.

Cheapest auto insurance in Maine for 65-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: $730 per year.
  2. Concord Group: $992 per year.
  3. Countryway: $1,016 per year.
  4. Progressive: $1,272 per year.
  5. State Farm: $1,300 per year.

Cheapest car insurance for military families in Maine

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 40 of the 40 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 from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-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 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.

These are rates generated through Quadrant Information Services. Your own rates will be different.