Best Cheap Car Insurance in Maine for 2017

Auto Insurance, Insurance

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 has researched the cheapest options for the following:

Good drivers

Young drivers

Drivers with poor credit

Drivers with one at-fault accident

Retired drivers

also in this article

Minimum car insurance requirements in Maine

Alternative car insurance in Maine

» FIND YOUR MATCH: Who’s the cheapest carrier for you?

Cheapest for good drivers

For drivers with no at-fault accidents, DUIs or moving violations.


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PRICE

  • $567/year

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PRICE

  • $683/year

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Price

  • $856/year

Maine drivers enjoy some of the lowest car insurance rates in the country. For good drivers, Geico edges out Concord on price. State Farm comes in at a relatively distant third in our analysis, with prices $24 a month higher than Geico.

Cheapest for young drivers

For drivers in their early 20s.


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PRICE

  • $386/year

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PRICE

  • $486/year

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Price

  • $612/year

Generally speaking, young drivers don’t have as much to lose in an accident-related lawsuit as older drivers and can therefore buy less coverage, and get remarkably cheap car insurance in Maine — to the tune of about $32 a month from Geico, according to our analysis. Concord and State Farm rounded out the cheapest three options.

Cheapest for drivers with poor credit

For drivers placed in the “poor credit” tier.


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PRICE

  • $946/year

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PRICE

  • $1,009/year

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PRICE

  • $1,481/year

Drivers with poor credit will get the cheapest coverage in Maine from Geico, which also offers optional mechanical breakdown coverage and emergency roadside service that could come in handy for those who depend heavily on their cars. Prices increase dramatically after the top two options in our analysis.

Cheapest for drivers with one at-fault accident


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PRICE

  • $908/year

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PRICE

  • $987/year

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PRICE

  • $1,053/year

Concord provides somewhat cheaper coverage for drivers who have caused an accident, with Geico close behind. Although Concord and Geico each offer a roadside assistance option that could come in handy, MMG’s low rate of consumer complaints make the latter insurer also worth a look.

Cheapest for retired drivers

For drivers in their mid- to late 60s who no longer use their car for commuting.


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PRICE

  • $409/year

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PRICE

  • $570/year

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Price

  • $689/year

Retired drivers tend to get behind the wheel less often since they’re no longer commuting daily, and lower mileage can lead to lower rates. Geico in particular offered a solid deal in our analysis. The most expensive rates we found were more than triple those of the cheapest, indicating that retired drivers in particular stand to benefit from shopping around for car insurance in Maine.

Minimum car insurance requirements in Maine

Maine law requires every vehicle owner to carry liability insurance, uninsured 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 motorist coverage per person
  • $100,000 uninsured 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.

If you have to use MAIP as a last resort, it’s a good idea to improve your driving record so that you become eligible again for auto insurance on the regular open market and for cheaper car insurance rates in Maine.

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

Here’s a summary of where you’ll find the cheapest insurance, by category:

Cheapest car insurance in Maine

CategoryCheapest option
Good driversGeico
Young driversGeico
Drivers with poor creditGeico
Drivers with one at-fault accidentConcord
Retired driversGeico

Methodology

For most categories, NerdWallet averaged rates from the largest insurers for 30-year-old men and women in 10 ZIP codes and with the following coverage limits:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per crash
  • $50,000 property damage liability coverage per crash
  • $100,000 uninsured motorist bodily injury coverage per person
  • $300,000 uninsured motorist bodily injury coverage per crash
  • Collision coverage with $1,000 deductible
  • Comprehensive coverage with $1,000 deductible

We used a 2013 Toyota Camry in all cases. Our sample retired driver was age 67 and drove 50% fewer annual miles than other groups. Our sample young driver was age 22 and carried the minimum required coverage. These are sample rates generated through Quadrant Information Services. Your own rates will be different.

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