![No image available](/_next/image/?url=%2Ffallback-no-image-min.jpg&w=1920&q=75)
Find Your Perfect Policy: 866-843-5386
The most competitive rates and car insurance policies in the Pine Tree state.
Full Coverage Averages in Maine
• Annual Premium: $928
• Monthly Premium: $77
Pros + Cons
✓ Benefits and perks for older Americans
✓ Cheapest overall rates
X Only available to drivers over age 50
Read our AARP review.
Full Coverage Averages in Maine
• Annual Premium: $1,052
• Monthly Premium: $90
Pros + Cons
✓ Cheapest rates for drivers under 50
✓ Regional New England provider
X No rideshare coverage
Full Coverage Averages in Maine
• Annual Premium: $1,181
• Monthly Premium: $98
Pros + Cons
✓ Largest list of local agents in Maine
✓ Cheap for safe teen drivers
X No gap insurance
Read our State Farm review.
According to the most recent data from the National Association of Insurance Commissioners, Maine is the cheapest state in the U.S for auto insurance. Its low rates are due in large part to the state’s low population density and uninsured driver rate—Maine also happens to have the lowest uninsured motorist rate in the country.1
Even as the cheapest provider in the nation, you may have noticed your premiums increase in recent years. Inflation, premium pauses due to COVID, and higher rates of claims have led to premium hikes (20 percent) across the country. If you’re feeling the pain for auto insurance increases, know that there are affordable options for quality insurance. Our team of experts have done the research for the best providers in Maine and leverage smart shopping strategies to ensure we’ve found the best rates and best coverage for several driver types.
Whether you’re entering retirement, have a series of accidents/violations on your record, or have a teen on your policy, we’ve compiled a broad list of providers relevant to Maine’s population.
With an average rate of $1,181, Maine offers the cheapest average auto insurance rates in the country (nearly half the national average).
Regional Average | Monthly average premium for full coverage | Annual average premium for full coverage |
---|---|---|
Maine | $98 | $1,181 |
U.S. | $160 | $1,924 |
At $1,128, average rates in Portland, Maine’s largest city, are similar to the statewide average. Rates in Biddeford ($1,044) are on the lower end, while rates in Lewiston ($1,164) are higher, but still on par with the state average.
City | Monthly average premium | Annual average premium |
---|---|---|
Biddeford | $87 | $1,044 |
Saco | $88 | $1,056 |
Bangor | $89 | $1,068 |
Portland | $94 | $1,128 |
Augusta | $96 | $1,152 |
Auburn | $96 | $1,152 |
Lewiston | $97 | $1,164 |
Feature | AARP (The Hartford) | Concord | State Farm | Travelers | MMG |
---|---|---|---|---|---|
Average annual rate in Maine | $928 | $1,052 | $1,181 | $1,391 | $1,246 |
New England Customer Satisfaction Index Ranking out of 1,000 (J.D. Power)2 | N/A | N/A | 829 | 782 | N/A |
Best for | Older Americans | People on a budget | Safe drivers | People with electric vehicles | People with a bad driving record |
Agents in Maine | 100+ | Independent agents | 100+ | 100+ | 50+ |
Review | AARP review | N/A | State Farm review | Travelers review | N/A |
Best Auto Insurance for Seniors in Maine: AARP
Best Cheap Auto Insurance in Maine: Concord
Best Auto Insurance for Safe Drivers in Maine: State Farm
Best Auto Insurance for Electric Vehicles in Maine: Travelers
Best Auto Insurance for High-Risk Drivers in Maine: MMG Insurance
The AARP has been offering discounts, benefits, and services to older Americans since 1958. And since its partnership with The Hartford in 1984, it’s provided car insurance to millions of Americans, which we named the best auto insurance for seniors. In Maine, its $928 annual average is the cheapest in the state, making it our top pick for drivers over the age of 50.
Did You Know?
Nearly 22 percent of residents are over the age 65 in Maine, making it the highest senior population per capita in the U.S. If you’re over the age of 50, we recommend you request a quote from the AARP to see what kind of plans you qualify for.3
With an annual average rate of $928 ($77 monthly), the AARP’s program is the cheapest provider for Mainers over the age of 50. In fact, Maine’s rates with the AARP are more than half the national average ($1,924).
The AARP’s affordable rates are due, in large part, to two factors: first, Maine has some of the cheapest auto insurance rates in the country across the board. Most providers boast their cheapest average rates in Maine. And second, the AARP has several discounts, like an automatic 10 percent AARP membership discount, to help keep costs below.
The AARP offers several discounts to its members, including 10 percent off their plan with The Hartford.
Here are a few other ways to save with the AARP:
Discount type | Saving percentage | Discount description |
---|---|---|
Paid-in full | N/A | Pay your bill in full instead of monthly payments, and you’ll be eligible for additional savings. |
TrueLane | Up to 25% | Sign up for The Hartford’s usage-based insurance program, and you’ll be rewarded with savings by exhibiting safe driving habits. |
Bundle | Up to 12% | Bundle your auto with home, condo, or renters insurance to earn this discount. |
Defensive driver course | N/A | Complete a defensive driver and you might qualify for a discount. |
On top of cheap average rates and several discount options, the AARP comes with a number of membership perks and benefits. Here are some perks you can leverage with your AARP membership.
AARP perk | Saving details |
---|---|
Car rental discounts | Up to 35% off |
Truck rental discount | Up to 20% off |
Zipcar Car Sharing | $20 off annual membership |
Allstate roadside assistance | $5.50 starting rates |
Exxonmobil Rewards+ Account | 500 welcome points (100 pointes = $1) |
Valvoline instant oil change | 15% off drive-thru service |
Members also get discounts and offerings on travel deals, groceries and shopping, entertainment, and more.
If you’re under the age of 50, Concord offers the most competitive rates in Maine. Concord’s state $1,052 average is about $900 cheaper than the national average, providing drivers with affordable insurance and quality benefits. On top of your standard full coverage options, Concord offers additional services, like free extended protection and new car replacement.
If you can’t qualify for auto insurance with the AARP, Concord will be the next most affordable option in Maine. Here’s a breakdown of how Concord’s prices compare to other major providers in the state.
Company | Monthly average premium | Annual average premium |
---|---|---|
Concord | $88 | $1,052 |
State Farm | $98 | $1,181 |
MMG | $104 | $1,246 |
GEICO | $106 | $1,275 |
Progressive | $109 | $1,303 |
Travelers | $116 | $1,391 |
Allstate | $122 | $1,458 |
If you’re a new driver, teen driver, or simply want to beef up your protection, Concord offers a few ways to bolster your coverage. Beyond liability coverage, comprehensive and collision, uninsured/underinsured motorist coverage, and medical payments, you can also get the following coverage options with Concord:
Concord has a unique benefit, personal auto coverage enhancements (PACE) that’s available to all of its drivers at no additional cost.
PACE automatically provides new car replacement for vehicles purchased in the last 12 months, additional time to report new and replacement vehicles, and reimbursements for lost earnings if you have to spend time in court due to an accident.
State Farm is the largest car insurance company in the U.S. and third-largest in Maine.4 It’s a household name, boasts impressive customer service scores, and offers all the standard coverages you might need as an everyday driver. It also offers some great incentives for safe drivers, which we’ll look at closely below.
Here are a few discounts State Farm offers to drivers in Maine:
Discount | Requirement | Maximum savings |
---|---|---|
Good driver discount | No drivers in the household can have any moving violations or accidents and must be insured with State Farm for three years | 20% |
Good student discount | Must be a full-time high school or college student under 25 with a 3.0 GPA average, on dean’s list/honor roll, or in the upper 20% of their class | 25% |
Defensive driver course discount | Must be 55 years old and complete a State Farm-approved education course | 5% |
Accident-free discount | Must have a vehicle that’s been insured with State Farm for at least three years without an accident. Discount may increase over time if you continue to have no accidents. | Varies |
Multi-vehicle discount | Insure multiple vehicles under one policy to earn this discount | 20% |
Multi-policy discount | Bundle auto and home, renters, condo, life, or health insurance policy | 17% |
Student away at school discount | Students who keep a car at home while they’re away at school, live 100 miles away from home, and only drive during holidays/vacations can sign up for this discount | Varies |
You can earn 5 percent off just for enrolling in Drive Safe & Save, State Farm’s usage-based insurance program. You can save an additional 30 percent at your next renewal if you exhibit safe driving habits with the program.
Here’s how it works. State Farm will send you a small transponder that attaches to your windshield. Your Drive Safe & Save app will pair to your transponder via Bluetooth, allowing State Farm to track your driving habits on the following metrics:
The safer you drive, the higher discount you’ll get; however, if you exhibit poor driving habits your premiums could actually increase.
State Farm offers a sleek, seamless experience for mobile users. Its dashboard is intuitive, making it easy to manage all of your auto insurance needs, including any usage-based programs you sign up for, directly through the app.
Here’s how customers have rated State Farm’s apps:
App | iPhone rating out of 5 stars | Android rating out of 5 stars |
---|---|---|
State Farm Mobile app | 4.8 stars | 4.7 stars |
Drive Safe & Save | 4.6 stars | 4.0 stars |
Steer Clear (safe driving discount for young drivers) | 4.7 stars | 4.2 stars |
Maine has one of the highest charging stations per EV ratio in the country, making it one of the most prepared states for the EV shift. If you own an EV or are thinking about owning an EV in Maine, we recommend you look at Travelers for its discounts and excellent service scores.
If you’re new to owning an EV, check out our electric vehicle insurance guide and see how much you’ll save on gas with our EV fuel calculator.
Travelers is one of the few providers that currently offers a discount for driving a hybrid or electric car. You can earn up to 10 percent off your premium with Traveler’s electric/hybrid discount. Talk to your agent to see if you qualify.
FUN FACT:
Maine has 23 charging stations for every electric vehicle, making it the sixth-highest for charging stations to EVs ratio.5
Travelers scored a 0.42 on the 2022 National Association of Insurance Commissioner complaint index. This means Travelers received more than half the complaints as its competitors, indicating its customer service is solid.6
Join a Travelers affinity program, and become eligible for a number of perks, discounts and benefits. Affinity program benefits include:
Maine Mutual Group (MMG) is a regional insurance company that offers several insurance types, including auto insurance, to New England residents. It’s based in Maine and has hundreds of independent agents across the state. MMG offers all the standard coverage options you’d expect from the big names, with more affordable options to high-risk drivers with accidents, moving violations, bad credit, or hit-and-runs in Maine.
Even with one minor speeding ticket, your insurance rates may increase. If you get caught speeding significantly higher than the speeding limit, while under the influence of alcohol, or several times in quick succession, you can expect those increases to be even higher.
MMG offers the most competitive rates for drivers with a bad record, including drivers with moving violations. Here’s a breakdown of its rates compared to other providers:
Company | Monthly average rate after a speeding ticket | Annual average rate after a speeding ticket |
---|---|---|
MMG | $110 | $1,320 |
State Farm | $118 | $1,416 |
Concord | $123 | $1,476 |
Travelers | $139 | $1,668 |
Progressive | $183 | $2,196 |
Farmers | $194 | $2,328 |
Allstate | $206 | $2,472 |
FYI
Speeding tickets stay on your record for one year in Maine.7 For a deep dive into how speeding tickets affect your insurance plan, check out our guide on how long a speeding ticket stays on your record.
Drivers with accidents tend to pay more for car insurance because insurance companies consider them riskier than drivers with no violations or accidents. If you have an accident on your record, you should request a quote from MMG, which offers the cheapest rates in Maine after an accident.
Company | Monthly average rate after an accident | Annual average rate after an accident |
---|---|---|
MMG | $115 | $1,380 |
Concord | $132 | $1,584 |
State Farm | $151 | $1,812 |
Travelers | $160 | $1,920 |
Progressive | $202 | $2,424 |
GEICO | $219 | $2,628 |
Allstate | $231 | $2,772 |
Similar to moving violations and speeding tickets, drivers with low credit scores will likely see a premium increase in Maine. MMG is your best bet for affordable insurance if you have bad credit.
Company | Monthly average rate after an accident | Annual average rate after an accident |
---|---|---|
MMG | $123 | $1,476 |
Concord | $137 | $1,644 |
Travelers | $144 | $1,728 |
GEICO | $160 | $1,920 |
Progressive | $191 | $2,292 |
State Farm | $221 | $2,652 |
Farmers | $256 | $,3072 |
You need the following minimum car insurance to drive legally in Maine:
State Farm offers the cheapest liability-only insurance in Maine, with an average price of around $30 per month.
Maine is a fault state, which means the driver who is responsible for a car accident is also responsible for compensating the other party for damages/injuries.
Maine functions under modified comparative legislation, meaning if you are less than 50 percent at fault, you’re eligible to collect a percentage of damages/injuries that you are not responsible for. For example, if you’re responsible for 30 percent of fault in an accident, you’ll be eligible to recover 70 percent of the damages. If you are 51 percent responsible for an accident, you won’t be eligible to collect any of the damages from the other party.
No, Maine does not offer a state-run car insurance program for low-income drivers. If you’re struggling to find affordable car insurance, we recommend comparing quotes between the state’s most affordable providers–AARP, Concord, MMG, State Farm, and Travelers.
To determine the best auto insurance companies in Maine, we evaluated insurers across four key categories—pricing, claims handling, customer experience, and coverage options. Here’s a breakdown of how each category was assessed:
By evaluating these key areas and weighing them according to their importance, we aimed to provide a comprehensive and data-driven analysis of the best auto insurance options for drivers in Maine.
14 Percent of U.S. Drivers Were Uninsured in 2022, IRC Estimates. Insurance-research.org. (2023, Oct 31).
https://insurance-research.org/sites/default/files/downloads/Uninsured%20Motorists%20News%20Release%201031_0.pdf
Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds. J.D. Power. (2023, Jun 13).
https://www.jdpower.com/business/press-releases/2023-us-auto-insurance-study
Which U.S. States Have the Oldest Populations? PRB. (2021, Dec 22).
https://www.prb.org/resources/which-us-states-are-the-oldest/
2022 Market Share Reports For Property/Casualty Groups and Companies by State and Countrywide. National Association of Insurance Commissioners. (2024).
https://content.naic.org/sites/default/files/publication-msr-pb-property-casualty.pdf
California leads the United States in electric vehicles and charging locations. U.S. Energy Information Administration. (2023, Dec 14).
https://www.eia.gov/todayinenergy/detail.php?id=61082
Travelers Ind Co National Complaint Index Report. National Association of Insurance Commissioners. (2023).
https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&COCODE=25658&:refresh
How Long Does a Speeding Ticket Stay on Your Record? Metromile. (2021, Jul 27).
https://www.metromile.com/blog/how-long-does-a-speeding-ticket-stay-on-your-record/
Insurance Required by Law. Bureau of Insurance, State of Maine. (2024).
https://www.maine.gov/pfr/insurance/consumers/auto-insurance/insurance-required-by-law