Best car insurance in Maine for 2025
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Best car insurance companies in Maine
Bankrate’s research points toward Geico, State Farm, USAA and Countryway Insurance as some of the best car insurance companies in Maine. Drivers here pay an average of $1,652 per year for full coverage car insurance and $427 per year for minimum coverage. Both are significantly less than the average cost of car insurance nationwide.
In addition to average rates, we also analyzed customer satisfaction scores from J.D. Power’s 2024 U.S. Auto Insurance Study, digital tools, financial strength and more to help you get a well-rounded view of each carrier. If you’re shopping for car insurance in ME, you might want to get quotes from these companies:
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|
|
|
|
|---|---|---|---|
|
4.3
|
$1,050
|
$297
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|
|
4.3
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$2,143
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$624
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|
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4.3
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$982
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$280
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Countryway
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N/A
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N/A
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Geico
Best for low average rates
4.3
Avg. full coverage premium
$88/mo
Avg. full coverage premium
$1,050/yr
Customer satisfaction
638/1,000
-
Why Geico made our list: Based on our research, Geico’s average car insurance rates are some of the most affordable in the industry, and the rates in Maine are no exception. Maine drivers can also take advantage of Geico’s long list of potential discounts, including savings for military members, federal employees and good students. Geico tied for Best Auto Insurance Company Overall in the 2024 Bankrate Awards.
Who Geico may be good for: If you’re on a tight budget or looking for lots of discount opportunities, Geico might be a good fit.
State Farm
Best for local agents
4.3
Avg. full coverage premium
$179/mo
Avg. full coverage premium
$2,143/yr
Customer satisfaction
664/1,000
-
Why State Farm made our list: State Farm ranked second in J.D. Power’s 2024 U.S. Auto Insurance Study for the New England region, indicating that customers are generally satisfied with its service. The company also has plenty of potential discounts for drivers looking to lower their premiums.
Who State Farm may be good for: State Farm’s network of local agents offers in-person service for customers who want a knowledgeable insurance professional by their side.
USAA
Best for military-focused coverage
4.3
Avg. full coverage premium
$82/mo
Avg. full coverage premium
$982/yr
Customer satisfaction
741/1,000
-
Why USAA made our list: USAA consistently earns high customer satisfaction scores compared to its competitors, although it doesn’t officially rank in J.D. Power studies since policies aren’t available to the general public. USAA combines low average rates with excellent customer service and military-focused coverage options and discounts.
Who USAA may be good for: USAA is only available to military members, veterans and qualifying family members. If you are eligible, the company could be an excellent choice due to its low average premiums and military-focused coverage options.
Countryway
Best for farmers
0.0
Avg. full coverage premium
Not available
Avg. full coverage premium
Not available
Customer satisfaction
Not rated
-
Why Countryway made our list: Although it wasn’t rated by J.D. Power for customer satisfaction due to its small market share, Countryway insurance coverage is sold by local agents, which may appeal to some drivers. The company also offers home insurance, as well as coverage for farming operations.
Who Countryway may be good for: If you have farming vehicles that you need to insure along with your personal vehicles, Countryway might be a good choice.
How Bankrate chose the best car insurance companies in Maine
To find the best auto insurance in Maine, we started by obtaining average car insurance rates from Quadrant Information Services and comparing each company’s average rate to the state average. Because car insurance is such an important part of your financial health, we also analyzed coverage offerings, discounts, third-party scores, digital tools and more.
We combined these metrics to calculate our proprietary Bankrate Scores. Each rating factor was assigned to a tier with similar factors and was weighted according to its impact on customers. The weighted tier scores were then used to calculate an overall Bankrate Score on a scale of 0.0 to 5.0. The higher a company scores, the better it fared in the underlying categories.
Why you can trust Bankrate
Read our full methodologyThe insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
How to find the best car insurance in Maine
To find an insurer that best fits your needs, consider your personal circumstances. Here are some things to think through to identify the best auto insurance in Maine for you.
Related content:
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How much is car insurance in Maine?
The average cost of car insurance in Maine is $1,652 per year for full coverage car insurance and $427 per year for minimum coverage. These rates are significantly less than the national average cost of car insurance, which is $2,685 per year for full coverage and $800 per year for minimum coverage. For comparison, New Hampshire drivers pay $1,737 per year for full coverage and $470 per year for minimum coverage. Minimum coverage rates are even higher in nearby Massachusetts, where the state-required coverage costs $529 per year. In fact, Maine has some of the cheapest car insurance in the country, on average, potentially due to its sparse population density, which makes accidents less likely.
Car insurance rates are based on individual rating factors. These factors could include your driving record, such as involvement in at-fault accidents and moving violations, as well as your credit score, vehicle usage, location and more. Each car insurance company has its own method for calculating rates, so you will likely receive different quoted premiums, even if everything else is the same.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|
| Long Island | $1,537 | -7% |
| Scarborough | $1,531 | -8% |
| Waterford | $1,703 | +3% |
| Newry | $1,671 | +1% |
| Southwest Harbor | $1,740 | +5% |
| Benedicta | $1,597 | -3% |
| Vinalhaven | $1,637 | -1% |
| Long Island | $1,537 | -7% |
| Scarborough | $1,531 | -8% |
| Waterford | $1,703 | +3% |
| Newry | $1,671 | +1% |
| Southwest Harbor | $1,740 | +5% |
| Benedicta | $1,597 | -3% |
| Vinalhaven | $1,637 | -1% |
Estimate your car insurance cost in Maine
While you can see the average cost of car insurance in Maine based on industry data, the fact is that every person’s rate will be specific to them based on a number of factors, including driving history, car make and model and location. Use our calculator to estimate what the cost of car insurance in Maine will be for you.
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Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze April 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 levels 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
$500To 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.
Bankrate Scores
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to deteråmine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.