Last updated: January 10, 2026Best Auto Insurance in Maine in 2026
GEICO, Allstate, USAA, Travelers, and AARP (The Hartford) offer some of our favorite competitive rates and car insurance policies in the Pine Tree state.
Best Value
Editor's Rating:
4.2/5
4.2/5Full Coverage Averages in Maine
• Annual Premium: $1,235
• Monthly Premium: $130
Best for Local Agents
Editor's Rating:4.4/5
4.4/5Full Coverage Averages in Maine
• Annual Premium: $1,715
• Monthly Premium: $143
Best for Military/Veterans
Editor's Rating:5/5
5/5Full Coverage Averages in Maine
• Annual Premium: $926
• Monthly Premium: $77
Key Takeaways
- Drivers looking for the best value in Maine should consider a GEICO policy. Depending on their profile, drivers may find the best prices from Allstate, USAA, Travelers, and AARP (The Hartford).
- In Maine, car insurance policies average about $1,526 for full coverage and $502 for minimum coverage. Drivers in Maine can expect to pay about 30 percent less than the national average, depending on coverage level.
- Our pricing data helps you compare car insurance options, but it won’t reflect your final rate. The numbers we share are averages, and your quote will depend on your driving profile.
Summary of the Best Auto Insurance in Maine
Compare the Best Cheap Auto Insurance in Maine
| Company | Full Coverage Monthly Avg. in ME | Minimum Coverage Monthly Avg. in ME | New England customer satisfaction (J.D. Power) |
|---|---|---|---|
| GEICO | $103 | $35 | Above average |
| Allstate | $143 | $57 | Above average |
| USAA | $77 | $26 | Above average |
| Travelers | $76 | $38 | Below average |
| AARP/The Hartford | $80 | Not available | Not rated |
| Maine | $127 | $42 | – |
Breaking Down the Best Cheap Auto Insurance in Maine
1. Best Value - GEICO
What We Like Most:
- Cheap rates
- High third-party ratings for the New England region
- Extended warranty offering with added perks, like roadside assistance
Why we chose it
For Maine drivers, GEICO offers lower-than-average premiums and stellar service. We chose GEICO for its wide availability and high customer satisfaction scores — it placed third overall in J.D. Power’s most recent New England customer satisfaction survey.
Those who want extra protection for their car can add GEICO’s mechanical breakdown insurance (MBI). This coverage acts like an extended warranty, paying for costs if your vehicle breaks down — including replacement parts and labor. With MBI, you can pay less for repairs in the long run while keeping your vehicle in great shape.
Who it’s best for
Drivers looking to balance cost and service, those with a speeding ticket, people who want to purchase an extended warranty
GEICO Maine Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $103 | $35 |
| Annually | $1,235 | $423 |
| Difference from Maine average | -19% | -16% |
2. Best for Local Agents - Allstate
What We Like Most:
- Local agents provide personalized service
- High regional satisfaction scores
- Great coverage for homeowners
Why we chose it
Allstate is our pick for those who want to work with a local agent, since it offers the financial strength of a major provider and personalized service. Drivers in Maine can work with an Allstate agent to tailor their policies to their specific needs.
While its rates are higher than the state average, Allstate places among the top three J.D. Power customer satisfaction scores in New England.
Allstate also has extra protections for homeowners. If you own your home and rent it out, you can sign up for HostAdvantage, which covers your possessions if they’re damaged or stolen by renters. The plan covers up to $10,000 in personal property damage for each rental host period, and also gives you a $25 discount for your first four Merry Maid cleanings.
Who it’s best for
People who want to work with an agent, homeowners, safe drivers
Allstate Maine Pricing
| Allstate | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $143 | $57 |
| Annually | $1,715 | $688 |
| Difference from Maine average | +12% | +37% |
3. Best for Military/Veterans - USAA
What We Like Most:
- Cheap rates across all driving profiles
- Military-specific perks
- Low-mileage discount program
Why we chose it
For Maine military families and veterans, USAA provides the lowest premiums and highest regional customer satisfaction ratings. Though technically not included in J.D. Power’s rankings because of its exclusivity, USAA consistently has the top scores for customer and claims satisfaction.
If you’re a low-mileage driver, you can save with USAA’s usage-based discount program, SafePilot Miles. Once you enroll, you can track your miles through the SafePilot app and enjoy up to 20 percent off your policy for driving less. Additionally, you earn another 20 percent off at renewal for safe driving.
FYI
Maine averages fewer miles compared to the rest of the country, with drivers clocking about 10,928 miles per year. The national average is 12,200 miles per year.1
Who it’s best for
Military members and veterans, low-mileage drivers, families with a teen driver
USAA Maine Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $77 | $26 |
| Annually | $926 | $306 |
| Difference from Maine average | -39% | -39% |
4. Best Budget Insurance - Travelers
What We Like Most:
- Cheapest full coverage rates
- Great premiums for drivers with a bad record
- Few customer complaints
Why we chose it
Travelers has offered insurance for over 170 years and is known for its affordable rates. On average, it’s one of the cheapest providers in Maine across multiple driving profiles. It has the lowest premiums for drivers with less than stellar records, including at-fault accidents, DUIs, and speeding tickets.
Travelers also offers flexible bundling options, so you can save more on car insurance by combining it with a renters, home, boat, or other policy.
Travelers Maine Pricing
| Travelers | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $76 | $38 |
| Annually | $915 | $452 |
| Difference from Maine average | -40% | -10% |
5. Best for Seniors - AARP
What We Like Most:
- Cheapest provider for seniors
- Benefits for AARP members
- Car insurance partnership with The Hartford
Why we chose it
Through its partnership with The Hartford, AARP has provided car insurance to millions of Americans. In Maine, its $960 annual average is one of the cheapest in the state, making it our choice for drivers over the age of 50.
In addition, AARP has several discounts, like an automatic 10 percent AARP membership discount, to help keep costs down. Members also enjoy a plethora of discounts on car rentals, roadside assistance, oil changes, and other car-related services.
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.2 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.
Who it’s best for
Older Americans, safe drivers, people with collectible cars
AARP/The Hartford Maine Pricing
| AARP/The Hartford | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $80 | N/A |
| Annually | $960 | N/A |
| Difference from Maine average | -37% | N/A |
Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – New England3 | CRASH Network Report Card4 | J.D. Power Claims Satisfaction5 | NAIC Complaint Index6 |
|---|---|---|---|---|
| GEICO | 639 | C- | 697 | 1.95 |
| Allstate | 641 | D | 693 | 3.55 |
| USAA | 745 | D+ | 741 | 2.74 |
| Travelers | 622 | C | 601 | 0.30 |
| AARP/The Hartford | N/A | C+ | 716 | 0.44 |
| Average | 625 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Average Cost of Auto Insurance in Maine
Full Coverage Rates in Maine
If you live in Maine, your premiums will be about 30 percent less compared to the national average. Full coverage car insurance in Maine is about $1,526 per year or $127 per month.
| Category | Full coverage average (annual) | Full coverage average (monthly) |
|---|---|---|
| Maine Average | $1,526 | $127 |
| National Average | $2,356 | $196 |
Minimum Coverage Rates in Maine
Maine drivers with a minimum coverage policy pay about $837 per year or $70 per month. These rates fall around 35 percent lower than the national average.
Because your rates depend largely on your driving history, vehicle, and the insurer you choose, it’s best to compare quotes from at least three providers. This will help you get the right coverage at the best price.
| Category | Minimum coverage average (annual) | Minimum coverage average (monthly) |
|---|---|---|
| Maine Average | $502 | $42 |
| National Average | $722 | $60 |
Auto Insurance Costs by City in Maine
Car insurance premiums depend on your location, even down to your neighborhood. For instance, Maine residents in South Portland have one of the lowest premiums at $1,294 annually or $108 monthly. If you live in Portland, you’ll also pay less for car insurance, at $1,341 annually.
Meanwhile, those in Lewiston see significantly more expensive car insurance rates. Premiums are around $1,417 annually or $118 per month.
| City | Average annual premium | Average monthly premium |
|---|---|---|
| South Portland | $1,294 | $108 |
| Portland | $1,341 | $112 |
| Bangor | $1,348 | $112 |
| Auburn | $1,396 | $116 |
| Lewiston | $1,417 | $118 |
How Many Car Accidents Happen in Maine?
TRIP reports that Maine had 179 traffic fatalities in 2024, increasing by 37 percent within the last decade.7 Even so, Maine has a lower rate of traffic deaths per 100 million vehicle miles traveled — most likely owing to its smaller population.8
Minimum Auto Insurance Requirements in Maine
Maine requires its more than 1.2 million licensed drivers to carry insurance in order to operate a vehicle. Maine mandates the following car insurance coverages and limits:
- $50,000/person and $100,000/accident in bodily injury liability
- $25,000 in property damage
- $2,000 per person in medical payments coverage
- $50,000/person and $100,000/accident in uninsured/underinsured motorist coverage9
Minimum coverage limits may be the lowest limits required by the state, but it won’t be enough to cover damages in a serious accident. We recommend getting full coverage if you can afford it, since it will also cover repairs to your own vehicle.
Frequently Asked Questions
Maine actually offers one of the lowest car insurance rates in the nation. The average premium for full coverage in Maine is about 30 percent cheaper than countrywide rates. It boasts cheaper rates due to low uninsured motorist rates and low population density. That said, car insurance premiums nationally have risen significantly since 2020, including in Maine.
USAA ($26 monthly) and Travelers ($38 monthly) offer the cheapest liability-only insurance in Maine, on average.
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.
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–USAA, AARP (The Hartford), Travelers, and GEICO.
Methodology - How We Review Providers
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:
- Pricing (40%): We analyzed average annual premiums for full and minimum coverage for a good driver profile in Maine. We also looked at average rates for high-risk driver profiles in the state, including those with an accident, speeding ticket, or poor credit. Additionally, we considered available discounts and whether major opportunities like bundling, good student, and telematics discounts are offered. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Medical payments: $2,009
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): A company’s ability to handle claims efficiently and fairly is paramount. We considered third-party evaluations from sources like J.D. Power’s Claims Satisfaction Report for insurers operating in Maine. We also looked at financial strength ratings from AM Best and Moody’s, which indicate an insurer’s ability to pay claims.
- Customer Experience (25%): The overall experience of obtaining a quote, purchasing a policy, and interacting with the insurer was evaluated based on: ease of online quote and purchase process and regional customer satisfaction scores (J.D. Power U.S. Auto Insurance Study and Digital Experience Study) for Maine and complaint data from the National Association of Insurance Commissioners (NAIC) and Better Business Bureau (BBB) ratings for companies operating in the state.
- Coverage Options (10%): We value insurers that provide additional protection beyond legally-required coverage in Maine, through optional endorsements like: gap insurance, rideshare coverage, accident forgiveness, and other offerings.
Read more about our ratings and methodology.
Citations
Average Miles Driven Per Year. Kelley Blue Book (KBB). (2025, July 7).
https://www.kbb.com/car-advice/average-miles-driven-per-year/Which U.S. States Are the Oldest?. Population Reference Bureau. (2025).
https://www.prb.org/resources/which-us-states-are-the-oldest/It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyInsurer Report Card – Top Rated U.S. Car Insurance Companies for 2025. CRASH Network. (2025).
https://www.crashnetwork.com/irc/Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, October 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmAddressing America’s Traffic Safety Crisis – Maine. TRIP. (2025, July 23).
https://tripnet.org/reports/addressing-americas-traffic-safety-crisis-maine-news-release-07-23-2025/State by State – Fatality Facts. Insurance Institute for Highway Safety (IIHS). (2025).
https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-stateInsurance Required by Law (Auto Insurance). Maine Bureau of Insurance. (2025).
https://www.maine.gov/pfr/insurance/consumers/auto-insurance/insurance-required-by-law
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