HomepageInsuranceCarThe Best Maine Auto Insurance Company

The Best Maine Auto Insurance Company

Fact-checked with HomeInsurance.com ​

Save money on auto coverage with our simple comparison tool.

Please enter a valid zip code

Click at least 2-3 companies to find the very best rate.

    Advertiser Disclosure

    Close icon.

    We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

    The Best Maine Auto Insurance

    Maine has some of the lowest car insurance rates in the nation, meaning drivers in the state have many excellent options for affordable coverage. When looking for the best car insurance in Maine, we considered premiums, coverage options, discounts, customer satisfaction and more. We found that the best car insurance companies in Maine offer excellent coverage at affordable rates while giving customers many ways to save through impressive discounts.

    The 4 Best Auto Insurance Companies in Maine

    Compare the Best Car Insurance Companies in Maine

    CompanyAverage Price for State Minimum* Average Price for Full Coverage* Reviews.com ScoreAM Best Financial StrengthJ.D. Power Overall Customer Satisfaction 
    State Farm$648.94$1,672.294.8/5A++855/1,000
    Allstate$575.82$1,310.554/5A+807/1,000
    Progressive$686.50$1,768.754.4/5A+819/1,000
    USAA$428.71$1,247.144.8/5A++895/1,000

    *Information accurate as of 11/17/2020; Data provided by Coverage.com

    State Farm

    Best for Customer Satisfaction

    Why we chose it

    State Farm really shines by offering the one of the highest customer satisfaction for car insurance in Maine.
    • 4.8 Reviews Score
    • $648.94* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 855** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm really shines by offering the one of the highest customer satisfaction for car insurance in Maine.

    Pros

    • High customer satisfaction
    • Many coverage options

    Cons

    • Fewer discounts than other companies
    Read More

    Types of Coverage Options

    • Collision
    • Comprehensive
    • Liability
    • Rental and travel expense
    • Uninsured & underinsured motorist
    • Medical payments
    • Roadside assistance
    • Rideshare driver

    Discounts Available

    • Drivewise
    • Steer Clear
    • Accident-free
    • Defensive driving
    • Student discounts
    • Driver training
    • Good driving
    • Vehicle safety features
    • Multi-car
    • Multiple-policy

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the New England region. Based on a 1,000-point scale.

    Further Reading on State Farm:

    Allstate

    Best for Online Resources

    Why we chose it

    Allstate offers an impressive array of online resources, including a library of educational resources and a robust digital app.
    • 4 Reviews Score
    • $575.82* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 807** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Allstate offers an impressive array of online resources, including a library of educational resources and a robust digital app.

    Pros

    • Many online resources
    • Lots of coverage options

    Cons

    • High annual premiums
    • Low customer satisfaction
    Read More

    Types of Coverage Offered

    • Collision
    • Comprehensive
    • Liability
    • Medical payments
    • Uninsured & underinsured motorist
    • Sound system
    • Roadside assistance
    • Personal injury protection
    • Personal umbrella
    • Rental reimbursement

    Discounts Available

    • Vehicle safety
    • Multi-policy
    • Early signing
    • Responsible payer
    • Smart student
    • New car
    • Auto-pay
    • Paperless billing
    • Full pay
    • Safe driving

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the New England region. Based on a 1,000-point scale.

    Further Reading on Allstate:

    Progressive

    Best for High-Risk Drivers

    Why we chose it

    Progressive is the biggest provider of car insurance in Maine and is the best choice for higher-risk drivers.
    • 4.4 Reviews Score
    • $686.50* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 819** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Progressive is the biggest provider of car insurance in Maine and is the best choice for higher-risk drivers.

    Pros

    • Best option for high-risk drivers
    • Wide array of discounts
    • Ample coverage discounts

    Cons

    • High annual premiums
    • Below-average customer satisfaction
    • Low coverage options
    Read More

    Types of Coverage Offered

    • Liability
    • Comprehensive
    • Collision
    • Uninsured & underinsured motorist
    • Medical payments
    • Roadside assistance
    • Loan/lease payoff
    • Rental car reimbursement
    • Customer parts and equipment value
    • Rideshare coverage
    • Deductible savings bank

    Discounts Available

    • Multi-policy
    • Multi-car
    • Continuous insurance
    • Safe driver
    • Teen & student driver discounts
    • Homeowner
    • Online quote
    • Sign online
    • Paperless billing
    • Pay in full
    • Automatic payment

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the New England region. Based on a 1,000-point scale.

    Further Reading on Progressive:

    USAA

    Best for Military Families

    Why we chose it

    USAA provides car insurance with affordable premiums and high customer satisfaction for military families.
    • 4.8 Reviews Score
    • $428.71* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 895** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA provides car insurance with affordable premiums and high customer satisfaction for military families.

    Pros

    • Low annual premiums
    • Excellent customer satisfaction

    Cons

    • Only available to military families
    Read More

    Types of Coverage Offered

    • Collision
    • Comprehensive
    • Liability
    • Personal injury protection
    • Extended benefits
    • Uninsured & underinsured motorist
    • Roadside assistance
    • Rental reimbursement
    • Accident forgiveness

    Discount available

    • Safe driver
    • Defensive driving
    • Driver training
    • Good student
    • New vehicle
    • Multi-vehicle
    • Annual mileage
    • Vehicle storage
    • Family discount
    • Length of membership
    • Military installation
    • Full pay

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the New England region. Based on a 1,000-point scale.

    Further Reading on USAA:

    The Average Cost of Car Insurance in Maine

    Maine drivers enjoy some of the cheapest car insurance in the nation. Drivers in the state can expect to pay about $312 for the state’s minimum liability coverage and $831 for a full coverage policy.

    Other than your state and level of coverage, other factors impact your car insurance rates. Those with clean driving records and good credit scores can expect to pay lower rates, while young drivers typically pay more.

    Top 3 Cheapest Car Insurance Companies in  Maine

    CompanyAverage Annual Premium
    Concord General$394.00
    Geico$405.77
    USAA$428.71

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Maine

    CompanyAverage Annual Premium
    Progressive$686.50
    Vermont Mutual$668.47
    State Farm$648.94

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Maine

    CityAverage Annual Premium*
    Houlton468.47
    Presque Isle468.88
    Caribou469.19

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Maine

    CityAverage Annual Premium*
    Portland 621.73
    Lewiston620.81
    Auburn620.49

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Car Insurance Add-Ons That Will Further Protect You 

    • Gap insurance: This optional coverage helps protect you in case your car is totaled — it ensures you won’t be stuck paying a loan on a car you no longer have.
    • Rideshare coverage: Drivers who participate in rideshare may need special coverage additional to what’s provided by the app they work for.
    • Roadside assistance: This optional coverage can help you get a tow service, flat tire change and more if you find yourself stranded.
    • New car replacement: This optional coverage offered by a handful of providers guarantees you’ll get a brand new car if your car is totaled.

    Guide to Maine Car Insurance 

    The car insurance laws look a little different in each state, and drivers should always familiarize themselves with the unique laws in their state. Maine, in particular, has insurance laws that differ from the rest of the country. In addition to the standard liability coverage that most states require, Maine also requires medical payment coverage and uninsured & underinsured motorist coverage.

    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 for one person
    • $100,000 for bodily injury for one accident
    • $25,000 property damage for one accident
    • $125,000 combined limit

    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 optional in many states, but required in Maine. Drivers must carry at least $50,000 per person and $100,000 per accident in coverage.

    Maine’s At-Fault Law

    Maine is an at-fault state for car insurance, which means the driver who is at-fault for an accident bears all financial responsibility for property damage and injuries.

    Maine Auto Insurance FAQ

    Methodology

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Maine, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Maine, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Erin Gobler is an insurance writer for Reviews.com. Over the past three years, she has covered personal finance topics such as insurance, banking, mortgages, and more. Her work has been featured in sites such as The Simple Dollar, Bankrate, and Coverage.com. She holds a bachelor’s degree in Journalism from the University of Wisconsin-Oskosh. Erin’s favorite Reviews.com article is the State Farm Renters Insurance Review.

    Table Of Contents