Maine remains one of the least expensive states for auto insurance. Recent analyses show typical averages around $300–$360 per year for minimum liability and about $1,050–$1,200 per year for full coverage — well below national norms (see Bankrate, NerdWallet and The Zebra). Rates have risen since earlier years due to higher repair and medical costs, but Maine still ranks among the cheapest places to insure a car. Finding the best policy goes beyond averages, though.
To find the best car insurance providers in the state, our team analyzed regional J.D. Power satisfaction results, AM Best financial strength, policy offerings, discount options, average premiums and Maine-specific oversight resources from the Maine Bureau of Insurance. Standout options for many drivers include USAA (if eligible), Amica Mutual, State Farm, Progressive, Travelers, Geico and Allstate. The best car insurance for you depends on your individual preferences and needs, so compare several quotes to start your research.
The 4 Best Auto Insurance Companies in Maine
- State Farm: Best for Customer Satisfaction
- Allstate: Best for Online Resources
- USAA: Best for Military-Centric Options
- Geico: Best for Low Rates
Compare the Best Car Insurance Companies in Maine
| Average Price for State Minimum* | Average Price for Full Coverage* | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power Customer Satisfaction** | ||
|---|---|---|---|---|---|
| Pin State Farm | $253 | $811 | A++ (Superior) | 855/1,000 | |
| Pin Allstate | $491 | $1,479 | A+ (Superior) | 810/1,000 | |
| Pin USAA | $196 | $718 | A++ (Superior) | 887/1,000 | |
| Pin Geico | $156 | $578 | A++ (Superior) | 841/1,000 |
Information accurate as of 2025
*Figures and ranges cited reflect 2025 analyses from Bankrate, NerdWallet and The Zebra.
**J.D. Power 2021 Auto Insurance Satisfaction Study rating for the New England region. Based on a 1,000-point scale. USAA is not officially ranked due to eligibility requirements. For the latest regional results, see J.D. Power’s 2024 U.S. Auto Insurance Study.
Best for Customer Satisfaction
WHY WE CHOSE IT
Why we chose it
Pros
- High customer satisfaction score
- Many coverage options
- Wide range of discounts
Cons
- Does not offer gap insurance
- More complaints filed with the National Association of Insurance Commissioners (NAIC) than average.
TYPES OF COVERAGE OPTIONS
- Collision
- Comprehensive
- Liability
- Rental and travel expense
- Uninsured & underinsured motorist
- Medical payments
- Roadside assistance
- Rideshare driver
DISCOUNTS AVAILABLE
- Safe vehicle
- Accident-free
- Defensive driving
- Student discounts
- Multi-car
- Multiple-policy
- Anti-theft
Best for Online Resources
WHY WE CHOSE IT
Why we chose it
Pros
- Many online resources
- Highly-rated mobile app
- Wide range of standard and unique coverage options
Cons
- High average annual premiums
- Below-average customer satisfaction score from J.D. Power
- More than average complaints filed with the NAIC
TYPES OF COVERAGE OFFERED
- Collision
- Comprehensive
- Liability
- Medical payments
- Uninsured & underinsured motorist
- Custom equipment
- Roadside assistance
- Personal injury protection
- Personal umbrella
- Rental reimbursement
- Classic car insurance
- Mexico car insurance
DISCOUNTS AVAILABLE
- Vehicle safety
- Multi-policy
- Early signing
- Responsible payer
- Smart student
- New car
- Auto-pay
- Paperless billing
- Pay in full
- Safe driving
Best for Military-Centric Options
WHY WE CHOSE IT
Why we chose it
Pros
- Low average annual premiums
- Excellent customer satisfaction
- Offers coverage options and services tailored to military families
Cons
- Only available to military members, veterans and qualifying family members
TYPES OF COVERAGE OFFERED
- Collision
- Comprehensive
- Liability
- Uninsured & underinsured motorist
- Roadside assistance
- Rental reimbursement
DISCOUNTS AVAILABLE
- Garaging your car on a military base
- Bundling
- Anti-theft
- Safe driver
- Good student
- New vehicle
- Multi-vehicle
- Annual mileage
- Family discount
Best for Low Rates
WHY WE CHOSE IT
Why we chose it
Pros
- Low average rates
- Long list of discounts
- Superior AM Best financial strength
Cons
- Few endorsements options
- J.D. Power claims satisfaction is only average
- High average complaint index with the NAIC
TYPES OF COVERAGE OFFERED
- Emergency road service
- Rental reimbursement
- Mechanical breakdown insurance
DISCOUNT AVAILABLE
- Air bag
- Anti-lock brakes
- Anti-theft system
- Daytime running lights
- New vehicle discount
- Good driver
- Seat belt use
- Defensive driving
- Driver’s educational course
- Good student
- Emergency deployment
- Federal employee
- Membership & employee
- Military
- Multi-vehicle
- Multi-policy
* Figures reflect 2025 sources and vary by driver profile; see Bankrate for current Maine averages.
**J.D. Power’s 2021 Auto Insurance Satisfaction Study rating for the New England region. Based on a 1,000-point scale. USAA is not officially rated due to eligibility restrictions. For the latest regional results, see J.D. Power’s 2024 study.
The Average Cost of Car Insurance in Maine
Maine continues to post some of the nation’s lowest averages. Recent state pages report roughly $300–$360 per year for the state’s minimum liability coverage and about $1,050–$1,200 per year for a full coverage policy (see Bankrate; NerdWallet; The Zebra). Quotes can be even lower or higher than these ranges depending on your company and city.
Other than your state and level of coverage, other factors impact your car insurance rates. Your driving record, claims history, garaging ZIP, mileage and the type of vehicle you drive will likely affect your premium. Typical impacts in Maine are about +15–25% after a speeding ticket, +35–45% after one at‑fault crash, and +60–80% after a DUI/OUI, though results vary by insurer (Bankrate; NerdWallet). Broader inflation pressures also contributed to higher premiums into 2025, as reflected in the BLS CPI for Motor Vehicle Insurance.
Top 3 Cheapest Car Insurance Companies in Maine
| Company | Average Annual Full Coverage Premium* |
| Geico | $578 |
| USAA | $718 |
| State Farm | $811 |
* Table reflects earlier sample rate comparisons; current 2025 statewide averages are higher and vary by driver, coverage and city. See Bankrate for updated Maine costs.
Top 3 Most Expensive Car Insurance Companies in Maine
| Company | Average Annual Full Coverage Premium* |
| Electric Insurance Company | $1,797 |
| Allstate | $1,479 |
| Farmers | $1,320 |
* Table reflects earlier sample rate comparisons; current 2025 statewide averages are higher and vary by driver, coverage and city. See Bankrate for updated Maine costs.
Top 3 Cheapest Cities for Car Insurance in Maine
| City | Average Annual Full Coverage Premium* |
| Presque Isle | ≈$1,050–$1,150 |
| Caribou | ≈$1,050–$1,150 |
| Waterville | ≈$1,100–$1,200 |
* Directional ranges based on recent 2025 state pages from Bankrate and The Zebra; actual premiums vary by profile and insurer.
Top 3 Most Expensive Cities for Car Insurance in Maine
| City | Average Annual Full Coverage Premium* |
| Portland | ≈$1,250–$1,450 |
| South Portland | ≈$1,200–$1,400 |
| Biddeford | ≈$1,200–$1,400 |
* Directional ranges based on recent 2025 state pages from Bankrate and The Zebra; actual premiums vary by profile and insurer.
Car Insurance Add-Ons That May Further Protect You
- Gap insurance: This optional coverage helps protect your finances if your car is stolen or totaled in a covered loss by paying the loan/lease shortfall; many carriers also offer alternatives like new or better car replacement to address total-loss outcomes.
- Rideshare coverage: Drivers who participate in rideshare and delivery need endorsements to fill the gaps between personal policies and TNC/app coverage across the different app “periods” (see the NAIC’s guidance).
- Roadside assistance: This optional coverage can help with towing, jump‑starts and flat tires if you’re stranded; many programs now include EV‑capable towing and trip interruption options.
- New car replacement: Offered by select providers, this guarantees a brand‑new car of the same make and model (or a “better car” per program rules) if your car is totaled, typically within eligibility limits by model year.
Guide to Maine Car Insurance
Car insurance laws look a little different in each state, and drivers should always familiarize themselves with the unique laws in their state. Maine insurance laws require drivers in the state to carry at least a minimum amount of liability coverage, along with medical payments coverage. The state also requires drivers to purchase uninsured and underinsured motorist coverage equal to their liability coverage limits. For consumer guidance on these requirements, visit the Maine Bureau of Insurance.
Maine Minimum Liability Insurance Requirements
Maine requires drivers to carry a minimum amount of bodily injury and property damage liability coverage. Those who drive without insurance, or without proof of insurance, might be subject to fines, license suspension or vehicle registration suspension.
Minimum liability required in the state of Maine is divided as follows:
- $50,000 bodily injury liability per person
- $100,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $50,000 uninsured motorist bodily injury per person
- $100,000 uninsured motorist bodily injury per accident
- $50,000 underinsured motorist bodily injury per person
- $100,000 underinsured motorist bodily injury per accident
- $2,000 medical payments
If you increase your BI liability limits, your UM/UIM will also default to those limits; however, you can reject the automatic increase in writing and it will stay at 50/100.
Certain types of bonds or a declaration from a judge can also satisfy the financial responsibility law. You can find enforcement details and proof requirements via the Maine BMV’s Mandatory Insurance page.
Medical Payment Coverage
In addition to the standard insurance requirements, Maine drivers also have to carry medical payment coverage of at least $2,000 per person, which covers medical expenses for you and your passengers.
Uninsured & Underinsured Motorist
Uninsured and underinsured motorist coverage is required in Maine. Drivers must carry at least $50,000 per person and $100,000 per accident in uninsured motorist coverage, issued at limits equal to your liability limits unless you select lower limits in writing (not less than 50/100). Drivers in Maine must also carry at least $50,000 underinsured motorist bodily injury per person and $100,000 underinsured motorist bodily injury per accident.
Maine’s At-Fault Law
Maine is an at-fault state for car insurance, which determines how claims are processed and paid out. Typically, in an at-fault state, the at-fault driver’s insurance will pay for the other driver’s damages and medical bills through property damage liability and bodily injury liability coverage, up to the policy’s coverage limits. Maine follows a modified comparative negligence standard with a 50% bar; if you are equally or more at fault, you generally cannot recover damages (Title 14 §156).
Maine Auto Insurance FAQ
Methodology
Reviews.com reviews products, services, and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction signals, and online resources from each company (including recent J.D. Power regional results and AM Best financial strength) to determine top providers.
As for average pricing, we referenced 2025 state pages from Bankrate (primary), and cross-checked with NerdWallet and The Zebra, using a good-driver profile. For full coverage, the details used were the following:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
