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Average cost of car insurance in Maine in 2025
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Maine?
Drivers in the Pine Tree State can take comfort in knowing Maine car insurance rates are typically much lower than the national average. At $1,641 per year, Maine has some of the cheapest average full coverage car insurance premiums in the country — around 39 percent less than the national average of $2,670. Minimum coverage policies are $425 a year on average, making Maine the second-cheapest state in this category (just behind Iowa). However, you could be paying more or less than the average depending on several factors personal to you.
Bankrate’s insurance editorial team, which includes licensed agents, analyzed premium data from Quadrant Information Services to determine the average cost of car insurance in Maine. This guide can help you compare rates and get a ballpark for how much your policy might cost.
Key takeaways
- Full coverage car insurance costs an average of $1,641 per year, while minimum coverage is $425 per year.
- A poor credit score may lead to rates that are on average 111 percent higher.
- In Maine, a driver with a DUI conviction may pay about 78 percent more on average than a driver with a clean record.
- Eighteen-year-old male drivers on their own policy pay the highest premiums in Maine, at an average rate of $5,645 per year.
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Maine car insurance rates by city
The amount you pay for car insurance in Maine is based on several factors, including your ZIP code. Generally speaking, drivers who live in bigger cities tend to pay some of the highest premiums, likely due to a higher population density leading to increased accident frequency. However, Maine’s largest city (Portland) has less than 70,000 residents. Maine primarily consists of small towns and rural areas, which could be one of the reasons behind its lower-than-average car insurance rates. Still, the table below showcases the slight variations in average premiums Mainers may pay from city to city.
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But these other cities in the state may give you some insight.
| City | Avg. monthly full coverage premium | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|---|
| Long Island | $127 | $1,528 | -7% |
| Scarborough | $127 | $1,523 | -8% |
| Waterford | $141 | $1,692 | +3% |
| Newry | $138 | $1,661 | +1% |
| Southwest Harbor | $144 | $1,726 | +5% |
| Benedicta | $132 | $1,582 | -4% |
| Vinalhaven | $136 | $1,626 | -1% |
| East Vassalboro | $142 | $1,699 | +3% |
| Bridgton | $142 | $1,701 | +4% |
| Lincolnville Center | $137 | $1,645 | +0% |
| Dresden | $141 | $1,692 | +3% |
| Round Pond | $140 | $1,676 | +2% |
| South Thomaston | $138 | $1,651 | +1% |
| West Forks | $143 | $1,713 | +4% |
| Lewiston | $143 | $1,720 | +5% |
| Bath | $136 | $1,634 | -0% |
| Bernard | $144 | $1,733 | +5% |
| Dennysville | $146 | $1,752 | +7% |
| Liberty | $140 | $1,678 | +2% |
| West Farmington | $143 | $1,713 | +4% |
| Kittery | $132 | $1,583 | -4% |
| Lovell | $142 | $1,705 | +4% |
| Estcourt Station | $134 | $1,602 | -2% |
| Sunset | $142 | $1,705 | +4% |
| Brooksville | $146 | $1,756 | +7% |
| Levant | $138 | $1,655 | +1% |
| Topsfield | $144 | $1,725 | +5% |
| Albion | $141 | $1,692 | +3% |
| Plymouth | $139 | $1,669 | +2% |
| Vanceboro | $144 | $1,725 | +5% |
| Grand Lake Stream | $144 | $1,730 | +5% |
| Machias | $146 | $1,749 | +6% |
| Topsham | $134 | $1,612 | -2% |
| Bar Harbor | $143 | $1,718 | +5% |
| Unity | $139 | $1,666 | +1% |
| Biddeford | $129 | $1,553 | -6% |
| Danville | $141 | $1,692 | +3% |
| Thomaston | $136 | $1,631 | -1% |
| New Portland | $145 | $1,737 | +6% |
| Ogunquit | $133 | $1,596 | -3% |
| Dixfield | $144 | $1,726 | +5% |
| Wytopitlock | $133 | $1,602 | -2% |
| East Newport | $140 | $1,674 | +2% |
| West Minot | $143 | $1,715 | +4% |
| Bradford | $138 | $1,654 | +1% |
| Greenville Junction | $136 | $1,634 | -0% |
| Sargentville | $144 | $1,724 | +5% |
| Saint Francis | $134 | $1,614 | -2% |
| Camden | $135 | $1,625 | -1% |
| Sanford | $134 | $1,603 | -2% |
| Northeast Harbor | $144 | $1,730 | +5% |
| Kingfield | $142 | $1,709 | +4% |
| Rumford | $140 | $1,677 | +2% |
| Trevett | $140 | $1,681 | +2% |
| Beals | $145 | $1,741 | +6% |
| New Gloucester | $137 | $1,642 | +0% |
| Milo | $136 | $1,638 | -0% |
| Fort Kent Mills | $135 | $1,614 | -2% |
| Harrison | $141 | $1,688 | +3% |
| Portland | $134 | $1,614 | -2% |
| Sumner | $143 | $1,721 | +5% |
| Randolph | $139 | $1,670 | +2% |
| Sangerville | $137 | $1,649 | +0% |
| Sorrento | $145 | $1,738 | +6% |
| Lincolnville | $136 | $1,632 | -1% |
| Bingham | $144 | $1,723 | +5% |
| Vassalboro | $143 | $1,715 | +4% |
| South China | $142 | $1,703 | +4% |
| Howland | $133 | $1,601 | -2% |
| Sedgwick | $146 | $1,754 | +7% |
| Eddington | $139 | $1,668 | +2% |
| Union | $138 | $1,657 | +1% |
| Shawmut | $142 | $1,707 | +4% |
| Millinocket | $132 | $1,582 | -4% |
| Houlton | $132 | $1,579 | -4% |
| Mexico | $140 | $1,675 | +2% |
| Wayne | $141 | $1,691 | +3% |
| Edgecomb | $140 | $1,679 | +2% |
| West Boothbay Harbor | $140 | $1,681 | +2% |
| Little Deer Isle | $143 | $1,721 | +5% |
| Orient | $132 | $1,586 | -3% |
| Bristol | $141 | $1,692 | +3% |
| Freedom | $140 | $1,674 | +2% |
| Shapleigh | $140 | $1,675 | +2% |
| West Baldwin | $143 | $1,710 | +4% |
| Boothbay | $139 | $1,673 | +2% |
| Nobleboro | $144 | $1,732 | +5% |
| Perry | $146 | $1,754 | +7% |
| Island Falls | $133 | $1,597 | -3% |
| Solon | $144 | $1,730 | +5% |
| Blue Hill | $147 | $1,760 | +7% |
| Perham | $133 | $1,590 | -3% |
| Sabattus | $139 | $1,662 | +1% |
| Vienna | $142 | $1,704 | +4% |
| Frenchville | $135 | $1,614 | -2% |
| Oxbow | $132 | $1,583 | -4% |
| Smyrna Mills | $132 | $1,581 | -4% |
| Brooks | $139 | $1,673 | +2% |
| Freeport | $132 | $1,585 | -3% |
| Springvale | $134 | $1,609 | -2% |
| Palermo | $137 | $1,645 | +0% |
| Mars Hill | $129 | $1,552 | -6% |
| Athens | $146 | $1,746 | +6% |
| Pownal | $135 | $1,621 | -1% |
| Mattawamkeag | $133 | $1,593 | -3% |
| Saint Albans | $145 | $1,737 | +6% |
| Greene | $141 | $1,698 | +3% |
| Mechanic Falls | $140 | $1,678 | +2% |
| Oxford | $141 | $1,692 | +3% |
| East Boothbay | $139 | $1,673 | +2% |
| Hancock | $145 | $1,735 | +6% |
| Chebeague Island | $127 | $1,523 | -8% |
| Charleston | $138 | $1,660 | +1% |
| Columbia Falls | $145 | $1,746 | +6% |
| Machiasport | $146 | $1,749 | +6% |
| North Bridgton | $137 | $1,638 | -0% |
| Hallowell | $139 | $1,665 | +1% |
| Waite | $145 | $1,736 | +6% |
| Corinna | $139 | $1,664 | +1% |
| East Machias | $146 | $1,752 | +7% |
| East Baldwin | $142 | $1,702 | +4% |
| Dryden | $143 | $1,717 | +5% |
| Wilton | $143 | $1,713 | +4% |
| Brownville Junction | $137 | $1,641 | -0% |
| Waldoboro | $145 | $1,737 | +6% |
| Oakland | $140 | $1,675 | +2% |
| Easton | $130 | $1,563 | -5% |
| Bar Mills | $136 | $1,637 | -0% |
| Cumberland Foreside | $128 | $1,530 | -7% |
| Orrington | $136 | $1,635 | -0% |
| Ellsworth | $142 | $1,705 | +4% |
| Waterville | $141 | $1,687 | +3% |
| Carmel | $139 | $1,664 | +1% |
| Owls Head | $136 | $1,629 | -1% |
| Rangeley | $142 | $1,704 | +4% |
| East Waterboro | $137 | $1,643 | +0% |
| East Poland | $141 | $1,696 | +3% |
| Wells | $132 | $1,582 | -4% |
| Westbrook | $128 | $1,539 | -6% |
| South Freeport | $131 | $1,566 | -5% |
| Canaan | $143 | $1,718 | +5% |
| Augusta | $141 | $1,689 | +3% |
| Franklin | $145 | $1,740 | +6% |
| Prospect Harbor | $145 | $1,739 | +6% |
| Surry | $144 | $1,732 | +5% |
| Pittsfield | $144 | $1,728 | +5% |
| Stratton | $142 | $1,703 | +4% |
| Greenwood | $140 | $1,686 | +3% |
| Coopers Mills | $141 | $1,687 | +3% |
| Whitefield | $140 | $1,681 | +2% |
| Mapleton | $132 | $1,582 | -4% |
| Bangor | $137 | $1,642 | +0% |
| Lambert Lake | $144 | $1,726 | +5% |
| Phillips | $145 | $1,735 | +6% |
| Lee | $133 | $1,598 | -3% |
| Pemaquid | $141 | $1,689 | +3% |
| Southport | $139 | $1,665 | +1% |
| Presque Isle | $131 | $1,573 | -4% |
| Garland | $138 | $1,652 | +1% |
| Wiscasset | $140 | $1,679 | +2% |
| Casco | $137 | $1,646 | +0% |
| Turner | $143 | $1,715 | +4% |
| Monhegan | $139 | $1,673 | +2% |
| Steuben | $145 | $1,743 | +6% |
| Greenville | $136 | $1,633 | -1% |
| Woolwich | $138 | $1,653 | +1% |
| Rockland | $136 | $1,626 | -1% |
| Clinton | $141 | $1,690 | +3% |
| Frenchboro | $144 | $1,728 | +5% |
| Swans Island | $144 | $1,732 | +5% |
| Saint Agatha | $135 | $1,616 | -2% |
| China Village | $142 | $1,700 | +3% |
| Orono | $136 | $1,635 | -0% |
| Whiting | $145 | $1,744 | +6% |
| Harmony | $144 | $1,728 | +5% |
| New Vineyard | $144 | $1,734 | +5% |
| Bremen | $142 | $1,705 | +4% |
| North Vassalboro | $143 | $1,716 | +4% |
| Standish | $132 | $1,583 | -4% |
| Spruce Head | $138 | $1,657 | +1% |
| Bowdoinham | $137 | $1,642 | +0% |
| Denmark | $143 | $1,713 | +4% |
| South Gardiner | $139 | $1,671 | +2% |
| Deer Isle | $144 | $1,725 | +5% |
| Isle Au Haut | $137 | $1,648 | +0% |
| Sinclair | $135 | $1,615 | -2% |
| Winter Harbor | $144 | $1,725 | +5% |
| Fryeburg | $143 | $1,711 | +4% |
| Hanover | $141 | $1,693 | +3% |
| Addison | $145 | $1,745 | +6% |
| Belfast | $139 | $1,667 | +2% |
| Gray | $129 | $1,553 | -6% |
| Brookton | $144 | $1,724 | +5% |
| Dixmont | $141 | $1,694 | +3% |
| Searsport | $140 | $1,680 | +2% |
| South Berwick | $134 | $1,614 | -2% |
| Hiram | $143 | $1,714 | +4% |
| Sullivan | $144 | $1,727 | +5% |
| West Enfield | $134 | $1,603 | -2% |
| Sebasco Estates | $137 | $1,644 | +0% |
| Sheridan | $131 | $1,578 | -4% |
| Detroit | $143 | $1,722 | +5% |
| Winterport | $138 | $1,660 | +1% |
| Cutler | $146 | $1,753 | +7% |
| Fort Kent | $135 | $1,614 | -2% |
| Belgrade Lakes | $141 | $1,697 | +3% |
| Norridgewock | $146 | $1,746 | +6% |
| Jackman | $141 | $1,688 | +3% |
| West Paris | $142 | $1,705 | +4% |
| East Winthrop | $141 | $1,686 | +3% |
| Princeton | $144 | $1,731 | +5% |
| Farmington | $143 | $1,712 | +4% |
| Waterboro | $137 | $1,645 | +0% |
| Brownville | $136 | $1,627 | -1% |
| Hudson | $140 | $1,675 | +2% |
| Ashland | $132 | $1,579 | -4% |
| North Yarmouth | $128 | $1,540 | -6% |
| Canton | $143 | $1,718 | +5% |
| Medway | $132 | $1,583 | -4% |
| Sandy Point | $139 | $1,672 | +2% |
| Ocean Park | $132 | $1,580 | -4% |
| Buxton | $135 | $1,622 | -1% |
| Orrs Island | $129 | $1,545 | -6% |
| Bradley | $137 | $1,640 | -0% |
| Guilford | $137 | $1,649 | +0% |
| Corea | $144 | $1,733 | +5% |
| Harborside | $145 | $1,734 | +5% |
| Center Lovell | $143 | $1,722 | +5% |
| Limington | $138 | $1,651 | +1% |
| Kennebunkport | $135 | $1,614 | -2% |
| Auburn | $143 | $1,718 | +5% |
| Berwick | $136 | $1,627 | -1% |
| Bethel | $139 | $1,668 | +2% |
| Lisbon | $139 | $1,663 | +1% |
| East Orland | $140 | $1,684 | +3% |
| Sebago | $141 | $1,687 | +3% |
| East Parsonsfield | $139 | $1,669 | +2% |
| West Newfield | $143 | $1,713 | +4% |
| Bryant Pond | $140 | $1,681 | +2% |
| East Wilton | $143 | $1,711 | +4% |
| Stockholm | $132 | $1,580 | -4% |
| West Rockport | $138 | $1,653 | +1% |
| Monroe | $141 | $1,691 | +3% |
| Cliff Island | $131 | $1,577 | -4% |
| Friendship | $140 | $1,676 | +2% |
| Lebanon | $138 | $1,651 | +1% |
| Walpole | $139 | $1,672 | +2% |
| South Casco | $134 | $1,611 | -2% |
| East Livermore | $141 | $1,697 | +3% |
| Brunswick | $129 | $1,552 | -6% |
| York | $131 | $1,574 | -4% |
| Meddybemps | $145 | $1,745 | +6% |
| Monticello | $131 | $1,568 | -5% |
| Birch Harbor | $145 | $1,738 | +6% |
| Eustis | $144 | $1,723 | +5% |
| Norway | $141 | $1,687 | +3% |
| Bowdoin | $136 | $1,637 | -0% |
| Cushing | $138 | $1,654 | +1% |
| Eagle Lake | $135 | $1,616 | -2% |
| Anson | $145 | $1,737 | +6% |
| Temple | $143 | $1,715 | +4% |
| Castine | $147 | $1,760 | +7% |
| Madawaska | $135 | $1,614 | -2% |
| Shirley Mills | $137 | $1,639 | -0% |
| Blaine | $129 | $1,548 | -6% |
| Poland | $140 | $1,682 | +2% |
| Baileyville | $145 | $1,736 | +6% |
| Bailey Island | $130 | $1,562 | -5% |
| South Windham | $131 | $1,567 | -5% |
| Kents Hill | $141 | $1,689 | +3% |
| Lagrange | $136 | $1,632 | -1% |
| Bridgewater | $130 | $1,556 | -5% |
| Palmyra | $144 | $1,733 | +5% |
| North Monmouth | $141 | $1,692 | +3% |
| Kittery Point | $132 | $1,581 | -4% |
| South Portland | $128 | $1,533 | -7% |
| North Anson | $144 | $1,731 | +5% |
| Danforth | $144 | $1,730 | +5% |
| Thorndike | $140 | $1,675 | +2% |
| Yarmouth | $127 | $1,524 | -7% |
| Biddeford Pool | $132 | $1,589 | -3% |
| Brewer | $138 | $1,661 | +1% |
| Milford | $136 | $1,632 | -1% |
| Penobscot | $146 | $1,753 | +7% |
| Gouldsboro | $144 | $1,732 | +5% |
| Milbridge | $146 | $1,747 | +6% |
| Fort Fairfield | $131 | $1,577 | -4% |
| Matinicus | $137 | $1,645 | +0% |
| Oquossoc | $144 | $1,727 | +5% |
| Smithfield | $144 | $1,729 | +5% |
| Harrington | $146 | $1,746 | +6% |
| Hope | $136 | $1,627 | -1% |
| Hinckley | $142 | $1,707 | +4% |
| Jay | $143 | $1,711 | +4% |
| Hulls Cove | $144 | $1,733 | +5% |
| Stacyville | $135 | $1,618 | -1% |
| Holden | $140 | $1,683 | +2% |
| Sebec | $137 | $1,639 | -0% |
| North Berwick | $132 | $1,586 | -3% |
| Monmouth | $142 | $1,706 | +4% |
| Isle Of Springs | $141 | $1,688 | +3% |
| Cornish | $138 | $1,652 | +1% |
| Sherman | $133 | $1,595 | -3% |
| Searsmont | $139 | $1,674 | +2% |
| Madison | $145 | $1,743 | +6% |
| Damariscotta | $143 | $1,712 | +4% |
| Wesley | $145 | $1,745 | +6% |
| Raymond | $135 | $1,615 | -2% |
| Farmingdale | $138 | $1,658 | +1% |
| Hampden | $139 | $1,663 | +1% |
| Kennebunk | $132 | $1,582 | -4% |
| East Dixfield | $143 | $1,711 | +4% |
| Alfred | $135 | $1,624 | -1% |
| Stoneham | $142 | $1,708 | +4% |
| Cambridge | $143 | $1,714 | +4% |
| Windham | $131 | $1,568 | -5% |
| Falmouth | $128 | $1,533 | -7% |
| Cape Porpoise | $135 | $1,618 | -1% |
| Harpswell | $131 | $1,569 | -5% |
| Peaks Island | $129 | $1,544 | -6% |
| Burlington | $136 | $1,635 | -0% |
| Stonington | $143 | $1,711 | +4% |
| Fairfield | $141 | $1,687 | +3% |
| Litchfield | $143 | $1,714 | +4% |
| Brooklin | $146 | $1,753 | +7% |
| Caribou | $132 | $1,582 | -4% |
| Limestone | $132 | $1,580 | -4% |
| Van Buren | $134 | $1,614 | -2% |
| Stockton Springs | $141 | $1,697 | +3% |
| York Beach | $134 | $1,614 | -2% |
| Winthrop | $140 | $1,685 | +3% |
| Springfield | $134 | $1,608 | -2% |
| Etna | $139 | $1,665 | +1% |
| North Haven | $135 | $1,626 | -1% |
| Caratunk | $143 | $1,715 | +4% |
| Abbot | $137 | $1,642 | +0% |
| South Paris | $141 | $1,693 | +3% |
| Gardiner | $140 | $1,683 | +2% |
| Squirrel Island | $140 | $1,684 | +3% |
| Oakfield | $132 | $1,582 | -4% |
| North Waterboro | $138 | $1,659 | +1% |
| Windsor | $141 | $1,697 | +3% |
| Alna | $141 | $1,694 | +3% |
| East Blue Hill | $144 | $1,730 | +5% |
| Jonesboro | $146 | $1,752 | +7% |
| Cumberland Center | $128 | $1,538 | -7% |
| Corinth | $140 | $1,675 | +2% |
| Rockwood | $142 | $1,702 | +4% |
| Islesboro | $136 | $1,637 | -0% |
| Naples | $141 | $1,690 | +3% |
| Saco | $131 | $1,574 | -4% |
| Roxbury | $142 | $1,704 | +4% |
| West Poland | $143 | $1,715 | +4% |
| Mount Desert | $143 | $1,722 | +5% |
| New Sweden | $132 | $1,581 | -4% |
| Exeter | $140 | $1,684 | +3% |
| Frankfort | $141 | $1,690 | +3% |
| Bass Harbor | $144 | $1,732 | +5% |
| North Jay | $142 | $1,709 | +4% |
| Bucksport | $146 | $1,757 | +7% |
| New Harbor | $140 | $1,674 | +2% |
| Wallagrass | $134 | $1,612 | -2% |
| Boothbay Harbor | $139 | $1,670 | +2% |
| Stillwater | $139 | $1,663 | +1% |
| Washburn | $132 | $1,582 | -4% |
| North Waterford | $141 | $1,687 | +3% |
| West Bethel | $142 | $1,700 | +4% |
| Phippsburg | $136 | $1,631 | -1% |
| Westfield | $131 | $1,577 | -4% |
| Port Clyde | $137 | $1,642 | +0% |
| Farmington Falls | $143 | $1,713 | +4% |
| East Millinocket | $132 | $1,581 | -4% |
| Leeds | $141 | $1,698 | +3% |
| Greenbush | $136 | $1,632 | -1% |
| North Turner | $142 | $1,709 | +4% |
| Weld | $143 | $1,712 | +4% |
| Lubec | $146 | $1,750 | +6% |
| Newport | $139 | $1,673 | +2% |
| East Andover | $142 | $1,701 | +4% |
| Jefferson | $145 | $1,734 | +6% |
| Patten | $134 | $1,606 | -2% |
| Monson | $136 | $1,638 | -0% |
| Newcastle | $143 | $1,711 | +4% |
| Islesford | $144 | $1,733 | +5% |
| Bustins Island | $130 | $1,564 | -5% |
| Old Orchard Beach | $130 | $1,557 | -5% |
| Cape Elizabeth | $127 | $1,519 | -8% |
| Cape Neddick | $133 | $1,591 | -3% |
| Peru | $141 | $1,691 | +3% |
| Richmond | $137 | $1,638 | -0% |
| Georgetown | $136 | $1,635 | -0% |
| Seal Harbor | $143 | $1,720 | +5% |
| Tenants Harbor | $137 | $1,647 | +0% |
| Dexter | $138 | $1,652 | +1% |
| Kenduskeag | $139 | $1,663 | +1% |
| Skowhegan | $145 | $1,741 | +6% |
| Stetson | $139 | $1,664 | +1% |
| Eastport | $145 | $1,740 | +6% |
| Morrill | $138 | $1,650 | +1% |
| Livermore | $142 | $1,701 | +4% |
| Manchester | $142 | $1,699 | +3% |
| Livermore Falls | $142 | $1,700 | +3% |
| Crouseville | $132 | $1,579 | -4% |
| Saint David | $135 | $1,615 | -2% |
| Eliot | $132 | $1,586 | -3% |
| Buckfield | $144 | $1,728 | +5% |
| Readfield | $140 | $1,682 | +2% |
| Passadumkeag | $136 | $1,635 | -0% |
| Seal Cove | $144 | $1,731 | +5% |
| Hartland | $144 | $1,727 | +5% |
| Aurora | $145 | $1,745 | +6% |
| Limerick | $139 | $1,666 | +1% |
| Brownfield | $142 | $1,704 | +4% |
| Hollis Center | $136 | $1,631 | -1% |
| Old Town | $136 | $1,627 | -1% |
| Washington | $139 | $1,669 | +2% |
| Jonesport | $145 | $1,743 | +6% |
| Lisbon Falls | $138 | $1,654 | +1% |
| Portage | $131 | $1,576 | -4% |
| Mount Vernon | $144 | $1,723 | +5% |
| Orland | $146 | $1,755 | +7% |
| Chamberlain | $141 | $1,688 | +3% |
| Calais | $144 | $1,730 | +5% |
| Robbinston | $144 | $1,730 | +5% |
| Strong | $146 | $1,747 | +6% |
| Kingman | $135 | $1,623 | -1% |
| Grand Isle | $135 | $1,616 | -2% |
| Warren | $139 | $1,663 | +1% |
| Burnham | $138 | $1,655 | +1% |
| Pembroke | $145 | $1,736 | +6% |
| South Bristol | $141 | $1,688 | +3% |
| Belgrade | $144 | $1,733 | +5% |
| Troy | $140 | $1,676 | +2% |
| Steep Falls | $136 | $1,633 | -1% |
| Durham | $139 | $1,673 | +2% |
| Dover Foxcroft | $137 | $1,644 | +0% |
| Gorham | $130 | $1,566 | -5% |
| Winn | $135 | $1,624 | -1% |
| Cranberry Isles | $144 | $1,733 | +5% |
| New Limerick | $131 | $1,576 | -4% |
| Porter | $143 | $1,712 | +4% |
| Acton | $140 | $1,682 | +2% |
| Parsonsfield | $141 | $1,695 | +3% |
| Andover | $140 | $1,677 | +2% |
| Lincoln | $132 | $1,582 | -4% |
| Cherryfield | $146 | $1,748 | +6% |
| Salsbury Cove | $143 | $1,719 | +5% |
| Rockport | $135 | $1,621 | -1% |
| New Sharon | $143 | $1,717 | +5% |
| Minot | $142 | $1,702 | +4% |
| Moody | $135 | $1,616 | -2% |
| Hebron | $142 | $1,709 | +4% |
Average car insurance costs by age and gender in Maine
Some states prohibit car insurance companies from using your age and gender when determining your car insurance premium — but not Maine. Due to their risky driving habits and inexperience behind the wheel, teens pay some of the highest car insurance rates. Additionally, men usually pay more than women, as they are statistically more likely to get into a car accident. However, the rate gap between genders tends to narrow as you age.
Note that the rates below refer to drivers on their own policy, aside from 16-year-olds, who must be added to their parents’ policy.
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in ME
$3,859
|
Average minimum coverage premium in ME
$1,079
|
|
Age 18
|
Average annual full coverage premium in ME
$5,645
|
Average minimum coverage premium in ME
$1,453
|
|
Age 20
|
Average annual full coverage premium in ME
$4,481
|
Average minimum coverage premium in ME
$1,083
|
|
Age 25
|
Average annual full coverage premium in ME
$2,291
|
Average minimum coverage premium in ME
$549
|
|
Age 30
|
Average annual full coverage premium in ME
$1,775
|
Average minimum coverage premium in ME
$445
|
|
Age 40
|
Average annual full coverage premium in ME
$1,673
|
Average minimum coverage premium in ME
$425
|
|
Age 50
|
Average annual full coverage premium in ME
$1,556
|
Average minimum coverage premium in ME
$404
|
|
Age 60
|
Average annual full coverage premium in ME
$1,536
|
Average minimum coverage premium in ME
$403
|
|
Age 70
|
Average annual full coverage premium in ME
$1,545
|
Average minimum coverage premium in ME
$407
|
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in ME
$3,344
|
Average minimum coverage premium in ME
$964
|
|
Age 18
|
Average annual full coverage premium in ME
$4,624
|
Average minimum coverage premium in ME
$1,254
|
|
Age 20
|
Average annual full coverage premium in ME
$3,619
|
Average minimum coverage premium in ME
$939
|
|
Age 25
|
Average annual full coverage premium in ME
$1,955
|
Average minimum coverage premium in ME
$514
|
|
Age 30
|
Average annual full coverage premium in ME
$1,703
|
Average minimum coverage premium in ME
$449
|
|
Age 40
|
Average annual full coverage premium in ME
$1,610
|
Average minimum coverage premium in ME
$425
|
|
Age 50
|
Average annual full coverage premium in ME
$1,519
|
Average minimum coverage premium in ME
$406
|
|
Age 60
|
Average annual full coverage premium in ME
$1,499
|
Average minimum coverage premium in ME
$403
|
|
Age 70
|
Average annual full coverage premium in ME
$1,510
|
Average minimum coverage premium in ME
$408
|
Bankrate’s take: Auto insurance providers in Maine factor a driver’s gender into their insurance rates, with men often paying more. Insurers point to the fact that men are statistically more likely to engage in risky driving behavior and get into more serious car accidents. However, insurers also look at a variety of personal demographics when setting car insurance premiums.
Cost considerations for young drivers in Maine
If you’re a parent with a younger driver in your household, you may be able to save money by listing your child on your policy as an additional driver rather than them purchasing a policy of their own. It is important to note, however, that most companies require that your child still lives at home for this to be possible. For more information, you may want to contact your company directly.
|
|
|
|---|---|
|
Age 16*
|
Avg. annual premium for drivers in ME
$3,602
|
|
Age 17
|
Avg. annual premium for drivers in ME
$3,329
|
|
Age 18
|
Avg. annual premium for drivers in ME
$3,065
|
|
Age 19
|
Avg. annual premium for drivers in ME
$2,804
|
|
Age 20
|
Avg. annual premium for drivers in ME
$2,697
|
|
|
|
|---|---|
|
Age 18
|
Avg. annual premium for drivers in ME
$5,134
|
|
Age 19
|
Avg. annual premium for drivers in ME
$4,359
|
|
Age 20
|
Avg. annual premium for drivers in ME
$4,050
|
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 68 percent more |
| Age 19 | 55 percent more |
| Age 20 | 50 percent more |
*18- and 20-year-old are renters on their own policies with no discounts applied
How does driving record impact the cost of car insurance in Maine?
In Maine or anywhere else, your driving habits have a significant impact on your car insurance rates. Safer drivers typically pay the least for car insurance, while just one accident could push your full coverage up 43 percent more from the average cost of car insurance in Maine.
Generally, the more serious the incident, the higher the risk your insurance company may view you as. As such, different types of driving incidents can impact your rate more than others, as shown in the table below:
|
|
|
|
|---|---|---|
|
Clean driving record
|
Avg. annual premium* in ME
$1,641
|
Percentage increase from ME avg. annual premium*
0%
|
|
Avg. annual premium* in ME
$1,967
|
Percentage increase from ME avg. annual premium*
20%
|
|
|
Avg. annual premium* in ME
$2,342
|
Percentage increase from ME avg. annual premium*
43%
|
|
|
Avg. annual premium* in ME
$2,925
|
Percentage increase from ME avg. annual premium*
78%
|
Car insurance rates in Maine by credit score
The average cost of car insurance in Maine can depend on your credit score. Statistics show that those with lower credit are more likely to file claims. To offset this risk, auto insurers usually charge these drivers more expensive premiums. In the table below, note that the average rate in Maine for a driver with poor credit is only slightly lower than for a driver with a DUI.
|
|
|
|
|---|---|---|
|
Avg. annual premium* in ME
$3,486
|
Percentage difference from ME avg. annual premium*
112%
|
|
|
Average
|
Avg. annual premium* in ME
$1,843
|
Percentage difference from ME avg. annual premium*
12%
|
|
Avg. annual premium* in ME
$1,641
|
Percentage difference from ME avg. annual premium*
0%
|
|
|
Excellent
|
Avg. annual premium* in ME
$1,390
|
Percentage difference from ME avg. annual premium*
-15%
|
Maine car insurance rates by vehicle type
It may come as no surprise that your vehicle’s make and model can affect your Maine car insurance rates. Usually, sports cars, luxury vehicles and large trucks cost the most to insure. However, as with most things insurance-related, there are exceptions to this rule. For instance, some standard four-door sedans may have higher rates simply because there are more of them on the road. In other words, the more common a vehicle is, the more claims it may be involved in, leading to more expensive premiums.
|
|
|
|---|---|
|
Avg. annual premium* in ME
$1,641
|
|
|
Avg. annual premium* in ME
$1,598
|
|
|
Avg. annual premium* in ME
$1,481
|
|
|
BMW 330i
|
Avg. annual premium* in ME
$2,152
|
|
Toyota Prius
|
Avg. annual premium* in ME
$1,724
|
Estimate your car insurance cost in Maine
There are so many factors that go into determining a car insurance quote, which is why Bankrate put together the useful calculator below. Enter some basic information and you’ll see an insurance premium rough estimate. Keep in mind that it’s not an exact quote, but it can give you a sense of how much you might pay for car insurance.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How to save on car insurance in Maine
Although the average car insurance cost in Maine is much lower than in most states, you may be able to save even more by following the tips below:
- Shop around: Every insurer uses their own methodology for determining rates. That's why many insurance experts recommend that you ask for quotes from a range of potential insurers so you can see which one offers you the lowest rate. You may even want to check prices annually to see if it would benefit you to switch carriers if you find a better price elsewhere.
- Increase your deductible: The deductible is the amount you pay before coverage kicks in after an approved claim. In general, it applies to collision and comprehensive coverage. Increasing your deductible may lead to a lowered premium rate. But be careful to only increase the deductible to a level you could pay out of pocket in the event that you need to file a claim.
- Garage your vehicle: Maine has some of the most severe winter weather of any state in the U.S., and that weather is hard on cars. If you are able to get your vehicle off the road when parked and into a garage or protected area during the winter months, some insurers will offer you a discount.
- Take a driver safety course: Maine offers a defensive driving course that could earn you a three-point credit on your driving record as well as lower insurance premiums. It takes roughly five hours to complete but may be worth the time investment to save on vehicle insurance.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze February 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
