- Maine drivers pay $667 per year, on average, for car insurance premiums.
- Maine is the second-least expensive state in the US for car insurance.
- GEICO offers the most affordable coverage at every credit level.
- Check out our partner Savvy — a free tool that lets you compare car insurance quotes in minutes »
Maine is the second-least expensive state in the US for car insurance. The average driver pays $667, about $200 less than the US national average, according to the Insurance Information Institute. But, that's not to say that there aren't still some ways to save if you're willing to put in a few minutes of work.
Shopping around for coverage is the best way to make sure you're getting the best price for you. Your premium, or the amount you'll pay for auto insurance coverage, depends on several factors, including things like your credit score, the type of car you drive, how many years of driving experience you have, and even where you live in Maine.
Every company weighs these factors differently, so getting quotes from different companies and comparing them is the best way to find the most affordable policy for you.
The most popular car insurance companies in Maine
The following are the most popular car insurance companies in Maine, based on the percentage of insured Maine drivers who use them:
| Company | Market share (%) |
| Progressive | 15.78 |
| State Farm | 12.90 |
| GEICO | 11.47 |
| Liberty Mutual | 8.26 |
| Allstate | 6.86 |
| USAA* | 4.94 |
| MetLife | 3.94 |
| Concord Group Insurance | 3.84 |
| Travelers | 3.39 |
| The Hanover Insurance | 3.20 |
| MMG Insurance Co. | 2.94 |
| Auto Club Exchange | 2.91 |
| Quincy Mutual | 2.76 |
| National General Holdings | 2.30 |
| American Family | 1.77 |
| Frankenmuth Insurance | 1.61 |
| Horace Mann | 1.57 |
| Vermont Mutual Insurance | 1.33 |
| Amica | 1.09 |
| The Hartford | 1.01 |
| Sentry | 0.91 |
| MAPFRE | 0.69 |
| Farmers Insurance | 0.67 |
| Ohio Mutual Insurance | 0.53 |
| Nationwide | 0.47 |
*USAA is only for active military, veterans, and their families.
Data from S&P Global Intelligence
The best car insurance in Maine based on customer satisfaction
Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the New England region (which includes Maine):
- Amica Mutual
- State Farm
- GEICO
- Region Average
- Progressive
- The Hanover
- Arbella
- Liberty Mutual
- Plymouth Rock Assurance
- Travelers
- Allstate
- MetLife
- Safety Insurance
- MAPFRE Insurance
The best cheap car insurance in Maine based on credit score
Consumer Reports compiled a list of all car insurance pricing formulas from all companies in every state. It used an average single adult driver to find the best pricing in each state, and found that three companies came out on top for three different credit levels. Here are the three best companies for each level and their average price for coverage:
Drivers with excellent credit, FICO score 800-850, will see some of the best average rates on car insurance.
- USAA car insurance: $480 per year
- GEICO car insurance: $601 per year
- State Farm car insurance: $814 per year
Drivers with good credit, FICO score 670-739, will see the best coverage from these three companies, on average:
- USAA car insurance: $554 per year
- GEICO car insurance: $617 per year
- Concord General Mutual car insurance: $993 per year
Those with poor credit, FICO score 300-579, will pay more for their car insurance, on average.
- GEICO car insurance: $778 per year
- USAA car insurance: $1,338 per year
- Concord General Mutual car insurance: $1,607 per year
The best car insurance for drivers with a clean record
For a driver in Maine age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:
| Company | Average monthly insurance premium |
| State Farm | $73 |
| Nationwide | $87 |
| GEICO | $93 |
| Progressive | $95 |
| Allstate | $105 |
| Esurance | $106 |
| Liberty Mutual | $107 |
| MetLife | $123 |
| Travelers | $126 |
| USAA* | $218 |
*USAA is only for active military, veterans, and their families.
Above data obtained from Savvy, based on 358 policyholders in the state of Maine
Best car insurance for one or more accidents on record
For a driver in Maine age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:
| Company | Average monthly insurance premium |
| GEICO | $118 |
| Progressive | $120 |
| Allstate | $123 |
| Esurance | $251 |
| Bristol West | $304 |
Above data obtained from Savvy, based on 358 policyholders in the state of Maine
Maine car insurance rates by city
Below is the estimated average annual premium of auto insurance policies per household in Maine's most populous cities:
| Company | Average annual insurance premium |
| Portland | $1,424 |
| Lewiston | $1,341 |
| Bangor | $1,365 |
| South Portland | $1,513 |
| Auburn | $1,431 |
| Biddeford | $1,388 |
| Saco | $1,511 |
| Augusta | $1,369 |
| Westbrook | $1,462 |
| Waterville | $1,310 |
| Brunswick | $1,489 |
| Orono | $1,381 |
| Sanford | $1,324 |
| Brewer | $1,466 |
| Old Orchard Beach | $1,378 |
| Presque Isle | $1,352 |
| Ellsworth | $1,434 |
| Bath | $1,373 |
| Winslow | $1,439 |
| Gorham | $1,590 |
| Caribou | $1,379 |
| Old Town | $1,352 |
| Rockland | $1,367 |
| Belfast | $1,396 |
| Skowhegan | $1,300 |
| Topsham | $1,530 |
| Yarmouth | $1,642 |
| Kennebunk | $1,464 |
| Gardiner | $1,417 |
| North Windham | $1,543 |
| Scarborough | $1,599 |
| South Sanford | $1,443 |
| Kittery | $1,464 |
| Houlton | $1,395 |
| Farmington | $1,310 |
| Hampden | $1,609 |
| Millinocket | $1,302 |
| Rumford | $1,208 |
| Lisbon Falls | $1,510 |
| Camden | $1,414 |
Data from S&P Global Intelligence
Who gets the best cheap car insurance in Maine?
As the data above shows, your credit score is one of the bigger influences on the price you'll pay for coverage. But, there are many other factors that play into your premium, too. With every company considering them differently, it's critical to shop around.
If you want to get the best rate for you, you'll need to start by getting quotes from several different insurance companies. Once you have a few different quotes, you'll want to compare them and look for the policy that gives you the most coverage for your money by giving the most coverage types and the highest limits. Also look at the deductible, or the amount you'll pay out-of-pocket if you get into an accident.
The driver who gets the best deal in Maine is the one who shops around for their coverage. Compare quotes and look beyond the premium to find the best-priced coverage for you.