Best Auto Insurance in Maine 2024

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.

Affordable for Older Americans

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.

AARP Discounts

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:

AARP Benefits

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.

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.

Cheapest for Most Drivers

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.

Additional Coverage

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:

• Roadside assistance
• Gap insurance
• Accident forgiveness
• Wages reimbursement coverage–up to $15,000 if you can’t work because of an accident, regardless of who’s at fault
• New car replacement for vehicles bought in the past 24 months

Free Personal Auto Coverage Enhancements

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.

Discounts for Safe Drivers

Here are a few discounts State Farm offers to drivers in Maine:

Drive Safe & Save

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:

• Quick acceleration
• Hard braking
• Fast cornering
• Speeding
• Distracted driving
• Mileage

The safer you drive, the higher discount you’ll get; however, if you exhibit poor driving habits your premiums could actually increase.

Excellent Mobile Ratings

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:

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.

Discounts for Electric Vehicles

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.

Few Customer Complaints

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

Affinity Program Benefits

Join a Travelers affinity program, and become eligible for a number of perks, discounts and benefits. Affinity program benefits include:

• Additional discounts, like member and employee discounts for participating groups
• Competitive rates for several insurance products
• 24/7 phone and online claim reporting
• Special program rates on your home and auto insurance

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.

Cheapest for Drivers With Moving Violations

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:

Cheapest for Drivers With Accidents

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.

Cheapest for Drivers With Bad Credit

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.