Auto Insurance in Maine
Maine’s auto insurance rates are on the low side — on average $1,062 per year, compared to the nationwide average of $1,669. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:
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Maine is the biggest of the six states in New England and claims the far northeastern United States. It borders two Canadian provinces and the state of New Hampshire. Because Maine also borders the Atlantic Ocean, its drivers are exposed to a significant risk of hurricanes about every eight years, according to Maine’s Bureau of General Services.
In addition, every year, winter weather can have a severe impact on traffic. State law requires that drivers carry liability coverage, medical payments coverage, and uninsured and underinsured driver coverage. While the law doesn’t mandate comprehensive coverage, it could protect you when extreme weather occurs.
Maine Minimum Liability
Maine’s minimum liability coverage is pretty much on par with the recommended minimum of 50/100/50. These numbers mean you have $50,000 per-person coverage, $100,000 per-accident and bodily injury coverage, and $50,000 for property damage. The figures for Maine are 50/100/25, which means it falls short of the recommended minimum only in property damage. The ideal level of coverage, however, is 100/300/100, which Maine’s basic requirements do not meet.
In 2013, the average bodily injury claim in the United States equaled $15,443, according to the Insurance Information Institute. While Maine’s minimum coverage requirements cover this amount, remember that the number is only an average. Half of claims are more expensive, and when you exceed your coverage limit, everything else must come out of your own pocket. In some scenarios, you could be responsible for tens of thousands of dollars.
To be sure that you receive the best coverage, obtain quotes from multiple car insurance companies before you make a decision. Analyze the rates and levels of coverage from each company. Each insurer crunches different numbers to make your profile, so the rates from various companies for even the same level of coverage can vary wildly. Taking the time to compare quotes tends to pay off.
Cheapest Car Insurance in Maine
- $966State Farm
- $1,125Liberty Mutual
- $796Concord Group
If you are searching for low-cost car insurance, then the companies here are solid choices. In our research, these insurers offered affordable rates without sacrificing service.
While many consumers are mostly on the hunt for low rates, ultra-cheap insurance can come with some downsides, like less comprehensive coverage, which may leave you vulnerable. However, if you don’t plan to drive much or don’t prioritize such factors, then one of those affordable insurers could be right for you.
Most Popular Companies by Marketshare
- State Farm
- Liberty Mutual
- Concord Group
The insurance companies you see here are the most popular in Maine, partly because they focus on the needs of Maine drivers. They are also popular because they have big advertising budgets. However, it’s important to keep in mind that not always well-known auto insurance companies offer the best coverage at the best prices.
While you should include those popular companies when you comparison-shop, pull quotes from insurers that are not as well-known. This puts you in an ideal position for a fair deal.
Choosing the Best Car Insurance in Maine
When you’re looking for a car insurance provider, you’re hoping to find a business you can build a long-standing relationship with. The top companies you see here have offered consistent and solid protection, so checking with them is a good way to start getting protection for you and your car.
The companies represent the top-rated auto insurers in Maine. When we came up with this list, we considered factors such as fair premiums, extensive coverage, an efficient claims process, and solid financial standing.
Where is car insurance most affordable?
The specific car insurance rate that you pay varies depending on your address, driving history, and other factors.
Drivers in Maine pay rates only a little higher than the national average, and the car insurance rates in Portland match the state average.
Car insurance in other areas of Maine can vary extensively from the state average, so if you live outside of Portland, find quotes from multiple insurers to see where they stand as far as state and national averages are concerned.
Portland Auto Insurance
With a city population of about 66,000, and an area population of nearly 204,000, the Portland region houses nearly a third of the population of Maine. This city fronting the Atlantic Ocean is heaven for seafood lovers, golfers, and outdoor enthusiasts.
While Portland has public transportation as well as extensive Amtrak and Greyhound lines, driving remains a major way that residents get around. To get the best protection for your car, shop with multiple carriers, because each looks at your data differently.
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