What is the cheapest car insurance in Maine?

USAA, Geico and Vermont Mutual offer cheap car insurance in Maine on average, based on Bankrate’s assessment. However, keep in mind that individual rates vary based on factors like your age, gender, driving record and the type of car that you drive. When looking for the cheapest car insurance companies in Maine, request quotes from multiple companies to see your actual quoted premium and find the best deal for the coverage you need.

How much car insurance coverage is required in Maine?

In Maine, drivers must carry a minimum level of coverage for bodily injury and property damage liability, uninsured and underinsured motorist coverage and medical payments coverage as mandated by state law. The minimum required coverage includes $50,000 per person or $100,000 per accident for bodily injury and $25,000 for property damage. While the legal requirements offer a baseline level of protection, insurance experts recommend that drivers consider purchasing additional coverage to better protect their finances.

What if I don’t want comprehensive and collision coverage?

Insurance experts generally recommend that drivers purchase comprehensive and collision — called full coverage — to better protect their finances. Without full coverage, if you cause an accident, the minimum liability insurance required by your state only covers damage others incur. You would be left to repair or replace your own vehicle out of pocket. If you have an auto loan, full coverage will likely be required by your lender. However, if you have an older vehicle that has depreciated and you own it outright, it may be safe to skip collision and comprehensive insurance. Just keep in mind that you’re accepting the financial risk if the vehicle gets damaged.

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Best car insurance in Maine for 2025

Written by

TJ Porter

Edited by

Jessa Claeys

Edited by

Jessa Claeys

Updated Feb 03, 2025

Geico, State Farm, USAA and Countryway Insurance offer some of the best auto policies in the Pine Tree State.

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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 $1,641 per year for full coverage car insurance and $425 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:


Geico	4.3 Rating: 4.3 stars out of 5	$1,050	$297
State Farm	4.3 Rating: 4.3 stars out of 5	$2,137	$622
USAA	4.3 Rating: 4.3 stars out of 5	$940	$274
Countryway		N/A	N/A

Geico

Best for low average rates

4.3

Read Geico review Get a quote

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.
Pros
Low average rates

Numerous potential discounts

Robust digital tools
Cons
Few endorsements offered

Few local agencies

State Farm

Best for local agents

4.3

Read State Farm review Get a quote

Avg. full coverage premium

$178/mo

Avg. full coverage premium

$2,137/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.
Pros
Local agents available

High J.D. Power customer satisfaction score

Numerous discount opportunities
Cons
Drivers have to “earn” accident forgiveness rather than purchase it

No gap coverage offered

USAA

Best for military-focused coverage

4.3

Read USAA review Get a quote

Avg. full coverage premium

$78/mo

Avg. full coverage premium

$940/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.
Pros
Offerings are tailored to the needs of military families

High customer satisfaction scores

Superior AM Best financial strength rating
Cons
Strict eligibility requirements

No in-person insurance offices

Countryway

Best for farmers

Read Countryway review Get a quote

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.
Pros
Local agents available

Able to insure farm vehicles
Cons
Digital tools are limited

Not rated by J.D. Power for customer satisfaction due to its small market share

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 methodology

To help Maine drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

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carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

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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.

Like most states, Maine requires drivers to carry a minimum amount of car insurance to drive legally. Don’t let the information intimidate you, though; you don’t need to memorize Maine’s minimum coverage limits. Insurers cannot sell you a policy that doesn’t meet the state’s requirements, so there’s no risk that you’ll accidentally purchase too little coverage. Knowing your state’s minimum requirements can be a helpful benchmark though, because it can help you start to figure out how much car insurance you need for your own situation.

Although minimum coverage is all you need to drive legally, it may not be enough to protect you financially if you are involved in an accident. Depending on repair and medical costs, your out-of-pocket expenses after an accident could climb quickly and may negate any savings you saw by buying minimum coverage in the first place.
If you have a loan or lease on your vehicle, your financial institution will likely have additional car insurance requirements. Most lenders require comprehensive and collision coverage (colloquially called full coverage), which insures against accidental damage to your vehicle. If your vehicle is leased, you may also have to carry higher liability limits. Further, you may want to consider gap insurance, which helps pay the difference between your outstanding loan amount and the vehicle’s actual cash value if your car is totaled or stolen.

Even if you aren’t making payments on your vehicle, having collision and comprehensive coverage could be useful. Although these coverage types add extra cost to your policy premium, they may help better protect your finances in the event of an accident.
Every driver has a unique situation. If your family includes teen drivers, for example, you may want to look for a company with one or more teen driver discounts to help offset the cost of insuring an inexperienced motorist. If you’re a high-risk driver, your company options may be more limited and you may need to look for a company that specializes in non-standard coverage. There are a myriad of individual needs that you may want to consider when deciding what company and coverage is right for you, so taking the time to understand your circumstances could be well worth it.

How much is car insurance in Maine?

The average cost of car insurance in Maine is $1,641 per year for full coverage car insurance and $425 per year for minimum coverage. These rates are significantly less than the national average cost of car insurance, which is $2,670 per year for full coverage and $773 per year for minimum coverage. For comparison, New Hampshire drivers pay $1,836 per year for full coverage and $492 per year for minimum coverage. Minimum coverage rates are even higher in nearby Massachusetts, where the state-required coverage costs $535 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.

City	Avg. annual full coverage premium	Avg. savings vs. state average
Long Island	$1,528	-7%
Scarborough	$1,523	-8%
Waterford	$1,692	+3%
Newry	$1,661	+1%
Southwest Harbor	$1,726	+5%
Benedicta	$1,582	-4%
Vinalhaven	$1,626	-1%
East Vassalboro	$1,699	+3%
Bridgton	$1,701	+4%
Lincolnville Center	$1,645	+0%
Dresden	$1,692	+3%
Round Pond	$1,676	+2%
South Thomaston	$1,651	+1%
West Forks	$1,713	+4%
Lewiston	$1,720	+5%
Bath	$1,634	-0%
Bernard	$1,733	+5%
Dennysville	$1,752	+7%
Liberty	$1,678	+2%
West Farmington	$1,713	+4%
Kittery	$1,583	-4%
Lovell	$1,705	+4%
Estcourt Station	$1,602	-2%
Sunset	$1,705	+4%
Brooksville	$1,756	+7%
Levant	$1,655	+1%
Topsfield	$1,725	+5%
Albion	$1,692	+3%
Plymouth	$1,669	+2%
Vanceboro	$1,725	+5%
Grand Lake Stream	$1,730	+5%
Machias	$1,749	+6%
Topsham	$1,612	-2%
Bar Harbor	$1,718	+5%
Unity	$1,666	+1%
Biddeford	$1,553	-6%
Danville	$1,692	+3%
Thomaston	$1,631	-1%
New Portland	$1,737	+6%
Ogunquit	$1,596	-3%
Dixfield	$1,726	+5%
Wytopitlock	$1,602	-2%
East Newport	$1,674	+2%
West Minot	$1,715	+4%
Bradford	$1,654	+1%
Greenville Junction	$1,634	-0%
Sargentville	$1,724	+5%
Saint Francis	$1,614	-2%
Camden	$1,625	-1%
Sanford	$1,603	-2%
Northeast Harbor	$1,730	+5%
Kingfield	$1,709	+4%
Rumford	$1,677	+2%
Trevett	$1,681	+2%
Beals	$1,741	+6%
New Gloucester	$1,642	+0%
Milo	$1,638	-0%
Fort Kent Mills	$1,614	-2%
Harrison	$1,688	+3%
Portland	$1,614	-2%
Sumner	$1,721	+5%
Randolph	$1,670	+2%
Sangerville	$1,649	+0%
Sorrento	$1,738	+6%
Lincolnville	$1,632	-1%
Bingham	$1,723	+5%
Vassalboro	$1,715	+4%
South China	$1,703	+4%
Howland	$1,601	-2%
Sedgwick	$1,754	+7%
Eddington	$1,668	+2%
Union	$1,657	+1%
Shawmut	$1,707	+4%
Millinocket	$1,582	-4%
Houlton	$1,579	-4%
Mexico	$1,675	+2%
Wayne	$1,691	+3%
Edgecomb	$1,679	+2%
West Boothbay Harbor	$1,681	+2%
Little Deer Isle	$1,721	+5%
Orient	$1,586	-3%
Bristol	$1,692	+3%
Freedom	$1,674	+2%
Shapleigh	$1,675	+2%
West Baldwin	$1,710	+4%
Boothbay	$1,673	+2%
Nobleboro	$1,732	+5%
Perry	$1,754	+7%
Island Falls	$1,597	-3%
Solon	$1,730	+5%
Blue Hill	$1,760	+7%
Perham	$1,590	-3%
Sabattus	$1,662	+1%
Vienna	$1,704	+4%
Frenchville	$1,614	-2%
Oxbow	$1,583	-4%
Smyrna Mills	$1,581	-4%
Brooks	$1,673	+2%
Freeport	$1,585	-3%
Springvale	$1,609	-2%
Palermo	$1,645	+0%
Mars Hill	$1,552	-6%
Athens	$1,746	+6%
Pownal	$1,621	-1%
Mattawamkeag	$1,593	-3%
Saint Albans	$1,737	+6%
Greene	$1,698	+3%
Mechanic Falls	$1,678	+2%
Oxford	$1,692	+3%
East Boothbay	$1,673	+2%
Hancock	$1,735	+6%
Chebeague Island	$1,523	-8%
Charleston	$1,660	+1%
Columbia Falls	$1,746	+6%
Machiasport	$1,749	+6%
North Bridgton	$1,638	-0%
Hallowell	$1,665	+1%
Waite	$1,736	+6%
Corinna	$1,664	+1%
East Machias	$1,752	+7%
East Baldwin	$1,702	+4%
Dryden	$1,717	+5%
Wilton	$1,713	+4%
Brownville Junction	$1,641	-0%
Waldoboro	$1,737	+6%
Oakland	$1,675	+2%
Easton	$1,563	-5%
Bar Mills	$1,637	-0%
Cumberland Foreside	$1,530	-7%
Orrington	$1,635	-0%
Ellsworth	$1,705	+4%
Waterville	$1,687	+3%
Carmel	$1,664	+1%
Owls Head	$1,629	-1%
Rangeley	$1,704	+4%
East Waterboro	$1,643	+0%
East Poland	$1,696	+3%
Wells	$1,582	-4%
Westbrook	$1,539	-6%
South Freeport	$1,566	-5%
Canaan	$1,718	+5%
Augusta	$1,689	+3%
Franklin	$1,740	+6%
Prospect Harbor	$1,739	+6%
Surry	$1,732	+5%
Pittsfield	$1,728	+5%
Stratton	$1,703	+4%
Greenwood	$1,686	+3%
Coopers Mills	$1,687	+3%
Whitefield	$1,681	+2%
Mapleton	$1,582	-4%
Bangor	$1,642	+0%
Lambert Lake	$1,726	+5%
Phillips	$1,735	+6%
Lee	$1,598	-3%
Pemaquid	$1,689	+3%
Southport	$1,665	+1%
Presque Isle	$1,573	-4%
Garland	$1,652	+1%
Wiscasset	$1,679	+2%
Casco	$1,646	+0%
Turner	$1,715	+4%
Monhegan	$1,673	+2%
Steuben	$1,743	+6%
Greenville	$1,633	-1%
Woolwich	$1,653	+1%
Rockland	$1,626	-1%
Clinton	$1,690	+3%
Frenchboro	$1,728	+5%
Swans Island	$1,732	+5%
Saint Agatha	$1,616	-2%
China Village	$1,700	+3%
Orono	$1,635	-0%
Whiting	$1,744	+6%
Harmony	$1,728	+5%
New Vineyard	$1,734	+5%
Bremen	$1,705	+4%
North Vassalboro	$1,716	+4%
Standish	$1,583	-4%
Spruce Head	$1,657	+1%
Bowdoinham	$1,642	+0%
Denmark	$1,713	+4%
South Gardiner	$1,671	+2%
Deer Isle	$1,725	+5%
Isle Au Haut	$1,648	+0%
Sinclair	$1,615	-2%
Winter Harbor	$1,725	+5%
Fryeburg	$1,711	+4%
Hanover	$1,693	+3%
Addison	$1,745	+6%
Belfast	$1,667	+2%
Gray	$1,553	-6%
Brookton	$1,724	+5%
Dixmont	$1,694	+3%
Searsport	$1,680	+2%
South Berwick	$1,614	-2%
Hiram	$1,714	+4%
Sullivan	$1,727	+5%
West Enfield	$1,603	-2%
Sebasco Estates	$1,644	+0%
Sheridan	$1,578	-4%
Detroit	$1,722	+5%
Winterport	$1,660	+1%
Cutler	$1,753	+7%
Fort Kent	$1,614	-2%
Belgrade Lakes	$1,697	+3%
Norridgewock	$1,746	+6%
Jackman	$1,688	+3%
West Paris	$1,705	+4%
East Winthrop	$1,686	+3%
Princeton	$1,731	+5%
Farmington	$1,712	+4%
Waterboro	$1,645	+0%
Brownville	$1,627	-1%
Hudson	$1,675	+2%
Ashland	$1,579	-4%
North Yarmouth	$1,540	-6%
Canton	$1,718	+5%
Medway	$1,583	-4%
Sandy Point	$1,672	+2%
Ocean Park	$1,580	-4%
Buxton	$1,622	-1%
Orrs Island	$1,545	-6%
Bradley	$1,640	-0%
Guilford	$1,649	+0%
Corea	$1,733	+5%
Harborside	$1,734	+5%
Center Lovell	$1,722	+5%
Limington	$1,651	+1%
Kennebunkport	$1,614	-2%
Auburn	$1,718	+5%
Berwick	$1,627	-1%
Bethel	$1,668	+2%
Lisbon	$1,663	+1%
East Orland	$1,684	+3%
Sebago	$1,687	+3%
East Parsonsfield	$1,669	+2%
West Newfield	$1,713	+4%
Bryant Pond	$1,681	+2%
East Wilton	$1,711	+4%
Stockholm	$1,580	-4%
West Rockport	$1,653	+1%
Monroe	$1,691	+3%
Cliff Island	$1,577	-4%
Friendship	$1,676	+2%
Lebanon	$1,651	+1%
Walpole	$1,672	+2%
South Casco	$1,611	-2%
East Livermore	$1,697	+3%
Brunswick	$1,552	-6%
York	$1,574	-4%
Meddybemps	$1,745	+6%
Monticello	$1,568	-5%
Birch Harbor	$1,738	+6%
Eustis	$1,723	+5%
Norway	$1,687	+3%
Bowdoin	$1,637	-0%
Cushing	$1,654	+1%
Eagle Lake	$1,616	-2%
Anson	$1,737	+6%
Temple	$1,715	+4%
Castine	$1,760	+7%
Madawaska	$1,614	-2%
Shirley Mills	$1,639	-0%
Blaine	$1,548	-6%
Poland	$1,682	+2%
Baileyville	$1,736	+6%
Bailey Island	$1,562	-5%
South Windham	$1,567	-5%
Kents Hill	$1,689	+3%
Lagrange	$1,632	-1%
Bridgewater	$1,556	-5%
Palmyra	$1,733	+5%
North Monmouth	$1,692	+3%
Kittery Point	$1,581	-4%
South Portland	$1,533	-7%
North Anson	$1,731	+5%
Danforth	$1,730	+5%
Thorndike	$1,675	+2%
Yarmouth	$1,524	-7%
Biddeford Pool	$1,589	-3%
Brewer	$1,661	+1%
Milford	$1,632	-1%
Penobscot	$1,753	+7%
Gouldsboro	$1,732	+5%
Milbridge	$1,747	+6%
Fort Fairfield	$1,577	-4%
Matinicus	$1,645	+0%
Oquossoc	$1,727	+5%
Smithfield	$1,729	+5%
Harrington	$1,746	+6%
Hope	$1,627	-1%
Hinckley	$1,707	+4%
Jay	$1,711	+4%
Hulls Cove	$1,733	+5%
Stacyville	$1,618	-1%
Holden	$1,683	+2%
Sebec	$1,639	-0%
North Berwick	$1,586	-3%
Monmouth	$1,706	+4%
Isle Of Springs	$1,688	+3%
Cornish	$1,652	+1%
Sherman	$1,595	-3%
Searsmont	$1,674	+2%
Madison	$1,743	+6%
Damariscotta	$1,712	+4%
Wesley	$1,745	+6%
Raymond	$1,615	-2%
Farmingdale	$1,658	+1%
Hampden	$1,663	+1%
Kennebunk	$1,582	-4%
East Dixfield	$1,711	+4%
Alfred	$1,624	-1%
Stoneham	$1,708	+4%
Cambridge	$1,714	+4%
Windham	$1,568	-5%
Falmouth	$1,533	-7%
Cape Porpoise	$1,618	-1%
Harpswell	$1,569	-5%
Peaks Island	$1,544	-6%
Burlington	$1,635	-0%
Stonington	$1,711	+4%
Fairfield	$1,687	+3%
Litchfield	$1,714	+4%
Brooklin	$1,753	+7%
Caribou	$1,582	-4%
Limestone	$1,580	-4%
Van Buren	$1,614	-2%
Stockton Springs	$1,697	+3%
York Beach	$1,614	-2%
Winthrop	$1,685	+3%
Springfield	$1,608	-2%
Etna	$1,665	+1%
North Haven	$1,626	-1%
Caratunk	$1,715	+4%
Abbot	$1,642	+0%
South Paris	$1,693	+3%
Gardiner	$1,683	+2%
Squirrel Island	$1,684	+3%
Oakfield	$1,582	-4%
North Waterboro	$1,659	+1%
Windsor	$1,697	+3%
Alna	$1,694	+3%
East Blue Hill	$1,730	+5%
Jonesboro	$1,752	+7%
Cumberland Center	$1,538	-7%
Corinth	$1,675	+2%
Rockwood	$1,702	+4%
Islesboro	$1,637	-0%
Naples	$1,690	+3%
Saco	$1,574	-4%
Roxbury	$1,704	+4%
West Poland	$1,715	+4%
Mount Desert	$1,722	+5%
New Sweden	$1,581	-4%
Exeter	$1,684	+3%
Frankfort	$1,690	+3%
Bass Harbor	$1,732	+5%
North Jay	$1,709	+4%
Bucksport	$1,757	+7%
New Harbor	$1,674	+2%
Wallagrass	$1,612	-2%
Boothbay Harbor	$1,670	+2%
Stillwater	$1,663	+1%
Washburn	$1,582	-4%
North Waterford	$1,687	+3%
West Bethel	$1,700	+4%
Phippsburg	$1,631	-1%
Westfield	$1,577	-4%
Port Clyde	$1,642	+0%
Farmington Falls	$1,713	+4%
East Millinocket	$1,581	-4%
Leeds	$1,698	+3%
Greenbush	$1,632	-1%
North Turner	$1,709	+4%
Weld	$1,712	+4%
Lubec	$1,750	+6%
Newport	$1,673	+2%
East Andover	$1,701	+4%
Jefferson	$1,734	+6%
Patten	$1,606	-2%
Monson	$1,638	-0%
Newcastle	$1,711	+4%
Islesford	$1,733	+5%
Bustins Island	$1,564	-5%
Old Orchard Beach	$1,557	-5%
Cape Elizabeth	$1,519	-8%
Cape Neddick	$1,591	-3%
Peru	$1,691	+3%
Richmond	$1,638	-0%
Georgetown	$1,635	-0%
Seal Harbor	$1,720	+5%
Tenants Harbor	$1,647	+0%
Dexter	$1,652	+1%
Kenduskeag	$1,663	+1%
Skowhegan	$1,741	+6%
Stetson	$1,664	+1%
Eastport	$1,740	+6%
Morrill	$1,650	+1%
Livermore	$1,701	+4%
Manchester	$1,699	+3%
Livermore Falls	$1,700	+3%
Crouseville	$1,579	-4%
Saint David	$1,615	-2%
Eliot	$1,586	-3%
Buckfield	$1,728	+5%
Readfield	$1,682	+2%
Passadumkeag	$1,635	-0%
Seal Cove	$1,731	+5%
Hartland	$1,727	+5%
Aurora	$1,745	+6%
Limerick	$1,666	+1%
Brownfield	$1,704	+4%
Hollis Center	$1,631	-1%
Old Town	$1,627	-1%
Washington	$1,669	+2%
Jonesport	$1,743	+6%
Lisbon Falls	$1,654	+1%
Portage	$1,576	-4%
Mount Vernon	$1,723	+5%
Orland	$1,755	+7%
Chamberlain	$1,688	+3%
Calais	$1,730	+5%
Robbinston	$1,730	+5%
Strong	$1,747	+6%
Kingman	$1,623	-1%
Grand Isle	$1,616	-2%
Warren	$1,663	+1%
Burnham	$1,655	+1%
Pembroke	$1,736	+6%
South Bristol	$1,688	+3%
Belgrade	$1,733	+5%
Troy	$1,676	+2%
Steep Falls	$1,633	-1%
Durham	$1,673	+2%
Dover Foxcroft	$1,644	+0%
Gorham	$1,566	-5%
Winn	$1,624	-1%
Cranberry Isles	$1,733	+5%
New Limerick	$1,576	-4%
Porter	$1,712	+4%
Acton	$1,682	+2%
Parsonsfield	$1,695	+3%
Andover	$1,677	+2%
Lincoln	$1,582	-4%
Cherryfield	$1,748	+6%
Salsbury Cove	$1,719	+5%
Rockport	$1,621	-1%
New Sharon	$1,717	+5%
Minot	$1,702	+4%
Moody	$1,616	-2%
Hebron	$1,709	+4%

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

USAA, Geico and Vermont Mutual offer cheap car insurance in Maine on average, based on Bankrate’s assessment. However, keep in mind that individual rates vary based on factors like your age, gender, driving record and the type of car that you drive. When looking for the cheapest car insurance companies in Maine, request quotes from multiple companies to see your actual quoted premium and find the best deal for the coverage you need.
In Maine, drivers must carry a minimum level of coverage for bodily injury and property damage liability, uninsured and underinsured motorist coverage and medical payments coverage as mandated by state law. The minimum required coverage includes $50,000 per person or $100,000 per accident for bodily injury and $25,000 for property damage. While the legal requirements offer a baseline level of protection, insurance experts recommend that drivers consider purchasing additional coverage to better protect their finances.
Insurance experts generally recommend that drivers purchase comprehensive and collision — called full coverage — to better protect their finances. Without full coverage, if you cause an accident, the minimum liability insurance required by your state only covers damage others incur. You would be left to repair or replace your own vehicle out of pocket.

If you have an auto loan, full coverage will likely be required by your lender. However, if you have an older vehicle that has depreciated and you own it outright, it may be safe to skip collision and comprehensive insurance. Just keep in mind that you’re accepting the financial risk if the vehicle gets damaged.

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

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 levels limits:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

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.

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.

Written by

TJ Porter

Contributor, Personal Finance

Best car insurance in Maine for 2025

Best car insurance companies in Maine

Geico

Best for low average rates

Overview

Pros and cons

Geico standout features

State Farm

Best for local agents

Overview

Pros and cons

State Farm standout features

USAA

Best for military-focused coverage

Overview

Pros and cons

USAA standout features

Countryway

Best for farmers

Overview

Pros and cons

Countryway standout features

How Bankrate chose the best car insurance companies in Maine

Compare auto insurance rates

How to find the best car insurance in Maine

Consider minimum insurance requirements in Maine

Consider lender requirements

Consider your individual needs

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How much is car insurance in Maine?

Estimate your car insurance cost in Maine

Calculate your monthly car insurance payment

Frequently asked questions

What is the cheapest car insurance in Maine?

How much car insurance coverage is required in Maine?

What if I don’t want comprehensive and collision coverage?

Methodology

Bankrate Scores