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
- State Farm: Best for Customer Satisfaction
- Allstate: Best for Online Resources
- Progressive: Best for High-Risk Drivers
- USAA: Best for Military Families
Compare the Best Car Insurance Companies in Maine
| Company | Average Price for State Minimum* | Average Price for Full Coverage* | Reviews.com Score | AM Best Financial Strength | J.D. Power Overall Customer Satisfaction |
| State Farm | $648.94 | $1,672.29 | 4.8/5 | A++ | 855/1,000 |
| Allstate | $575.82 | $1,310.55 | 4/5 | A+ | 807/1,000 |
| Progressive | $686.50 | $1,768.75 | 4.4/5 | A+ | 819/1,000 |
| USAA | $428.71 | $1,247.14 | 4.8/5 | A++ | 895/1,000 |
*Information accurate as of 11/17/2020; Data provided by Coverage.com
Best for Customer Satisfaction
Why we chose it
Why we chose it
Pros
- High customer satisfaction
- Many coverage options
Cons
- Fewer discounts than other companies
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:
Best for Online Resources
Why we chose it
Why we chose it
Pros
- Many online resources
- Lots of coverage options
Cons
- High annual premiums
- Low customer satisfaction
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:
Best for High-Risk Drivers
Why we chose it
Why we chose it
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
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:
- Progressive Auto Insurance Review
- Progressive Homeowners Insurance Review
- Progressive Renters Insurance Review
Best for Military Families
Why we chose it
Why we chose it
Pros
- Low annual premiums
- Excellent customer satisfaction
Cons
- Only available to military families
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
| Company | Average 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
| Company | Average 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
| City | Average Annual Premium* |
| Houlton | 468.47 |
| Presque Isle | 468.88 |
| Caribou | 469.19 |
* Data provided by Coverage.com, price based on the state minimum required policy.
Top 3 Most Expensive Cities for Car Insurance in Maine
| City | Average Annual Premium* |
| Portland | 621.73 |
| Lewiston | 620.81 |
| Auburn | 620.49 |
* 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.
