Cheap Auto Insurance in Maine for 2025 (Big Savings With These 10 Companies!)
Geico, Travelers, and American Family are the best companies that offer cheap auto insurance in Maine. Geico’s starting rate is $15, Travelers provides coverage from $25, and American Family rewards loyalty with rates starting at $34. These companies tend to be very affordable for Maine drivers.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
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UPDATED: Jan 20, 2025
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Minimum Coverage in Maine
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Minimum Coverage in Maine
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2,180 reviewsCompany Facts
Minimum Coverage in Maine
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2,180 reviewsThe top providers of cheap auto insurance in Maine are Geico, Travelers, and American Family. Geico is the top pick overall, offering the most affordable rates starting at just $15 per month.
Travelers is known for its strong customer service and competitive pricing, while American Family provides great coverage options with rates starting at $50 per month.
Our Top 10 Company Picks: Cheap Auto Insurance in Maine
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $15 | A++ | Online Convenience | Geico |
 | #2 | $25 | A++ | Safe Drivers | Travelers |
 | #3 | $34 | A | Loyalty Rewards | American Family |
 | #4 | $35 | A+ | Widespread Availability | Nationwide |
 | #5 | $38 | A+ | Tight Budgets | Progressive |
 | #6 | $43 | A+ | Claims Satisfaction | Allstate |
 | #7 | $44 | A | Cheapest Rates | Mercury |
 | #8 | $47 | A | Safety Discounts | Farmers |
 | #9 | $48 | A | 24/7 Support | Liberty Mutual |
 | #10 | $57 | B | Financial Strength | State Farm |
Each company excels in providing affordable auto insurance in Maine, offering a range of plans and discounts to fit different needs and budgets. Use our free comparison tool to see what auto insurance quotes look like in your area.
- Geico offers bundling and safe driving discounts with starting rate of $15/month
- Maine drivers can lower premiums with low-mileage and multi-vehicle discounts
- American Family and Travelers also provide low rates and flexible coverage options
#1 – Geico: Top Overall Pick
Pros
- Affordable Premiums: Augusta drivers enjoy some of the lowest auto insurance in Maine, with rates starting at $15 per month.
- User-Friendly Online Tools: Geico’s online platform makes it easy to manage policies, as seen in Geico auto insurance review for Augusta residents.
- Bundling Discounts: Augusta drivers who bundle car and home insurance with Geico’s save significantly.
Cons
- Limited Local Support: While cheap car insurance in Maine is available, Geico offers fewer local agents in Augusta, which may limit personalized assistance.
- Price Increases After Claims: Maine drivers may see premiums rise significantly after filing a claim with Geico in Augusta.
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#2 – Travelers: Best for Safe Drivers
Pros
- Reasonable Rates: Augusta drivers can get monthly premiums starting at $25 with auto insurance in Maine from Travelers.
- Accident Forgiveness: With Travelers auto insurance review, safe drivers in Augusta can avoid rate hikes thanks to the accident forgiveness feature.
- Hybrid Vehicle Discounts: Augusta drivers with hybrid or electric cars qualify for exclusive savings on car insurance in Maine.
Cons
- Higher Premiums for High-Risk Drivers: High-risk drivers in Maine may pay more with Travelers compared to other auto insurance providers in Maine.
- Limited Availability of Discounts: Some Augusta insurance customers may find fewer discount opportunities through Travelers in Maine.
#3 – American Family: Best for Loyalty Rewards
Pros
- Rewards for Loyalty: Drivers in Augusta, Maine, can earn discounts and rewards for staying with American Family auto insurance.
- Customizable Payment Plans: Augusta residents can adjust payment options to fit their needs with American Family insurance.
- Teen Driver Discounts: Parents in Augusta can save on auto insurance in Maine by enrolling young drivers in the teen safe driver program.
Cons
- Limited Online Features: Some Augusta customers may find fewer online options for managing their policies in an American Family Auto insurance review.
- Restricted Coverage: Certain auto insurance options may not be available in Augusta, requiring drivers to carefully consider coverage availability.
#4 – Nationwide: Best for Widespread Availability
Pros
- Comprehensive Coverage Options: Augusta drivers can choose from a variety of Nationwide policies, including accident forgiveness and vanishing deductibles, making it the best auto insurance in Maine.
- Strong Agent Network: Nationwide has a strong presence in Augusta, with local agents offering customized support, making it a good option for a Nationwide auto insurance review.
- Safe Driver Discounts: Augusta drivers with clean records can save with Nationwide, which offers competitive rates for auto insurance in Maine.
Cons
- Expensive Add-Ons: Additional coverage options can drive up the cost of cheap auto insurance in Maine.
- Higher Rates for Low-Mileage Drivers: Augusta’s infrequent drivers may not reap much benefit from Nationwide, as low-mileage policies can translate to higher rates.
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#5 – Progressive: Best for Tight Budgets
Pros
- Budget-Friendly Rates: Drivers looking for cheap car insurance in Maine can find affordable options in Augusta, with rates starting at just $38/monthly.
- Safe Driving Discounts: According to a Progressive auto insurance review, the Snapshot program helps Augusta drivers save by rewarding safe driving habits.
- Flexible Coverage Options: Drivers shopping for auto insurance in Maine can personalize their policies with add-ons like roadside assistance and rental car reimbursement.
Cons
- Premium Increases After Accidents: Rates for Progressive policies in Augusta may increase significantly following an at-fault accident.
- Fewer Local Agents: Drivers in Augusta looking for in-person assistance may find that Progressive has limited agents available in the area.
#6 – Allstate: Best for Claims Satisfaction
Pros
- Strong Claims Satisfaction: Customers in Augusta, Maine, rate Allstate auto insurance review highly for quick claims resolutions.
- Discount Opportunities: Maine drivers save on auto insurance in Maine by bundling car and home insurance with Allstate.
- Deductible Rewards Program: With its reward program, Allstate allows Augusta car insurance customers to lower their deductibles over time.
Cons
- Higher Premiums for New Drivers: New drivers in Augusta may face higher premiums with Allstate than the cheapest car insurance Maine options.
- Strict Discount Eligibility: Some customers may not qualify for Allstate discounts due to strict eligibility criteria, limiting savings on the cheapest car insurance in Maine.
#7 – Mercury: Best for Cheapest Rates
Pros
- Affordable Rates: Mercury provides some of the most competitive auto insurance in Maine, with prices starting at just $44 in Augusta.
- Quick Online Quotes: Residents of Augusta can easily access Maine car insurance quotes through Mercury’s fast and efficient online system.
- Discounts for Young Drivers: Mercury car insurance reviews show special deals for Maine drivers under the age of 25, coverage for which is much cheaper as a result.
Cons
- Limited Coverage Choices: Some of Mercury’s policies may not offer extra features, such as accident forgiveness, for Augusta drivers looking for more comprehensive coverage.
- Smaller Local Network: Maine drivers might encounter a more restricted service network than other Augusta insurance providers, limiting local support options.
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#8 – Farmers: Best for Safety Discounts
Pros
- Excellent Safety Discounts: Augusta car insurance customers save with Farmers’ discounts for vehicles equipped with safety features in Maine.
- Personalized Agent Service: Maine drivers in Augusta benefit from local agents offering tailored support for auto insurance in Maine.
- Unique Perks for Homeowners: Bundling car and home insurance with Farmers reduces costs, providing extra savings for Maine auto insurance quotes.
Cons
- High Premiums for Low-Mileage Drivers: Farmers’ auto insurance review notes that low-mileage drivers in Augusta may face higher premiums than other auto insurance providers in Maine.
- Restricted Online Features: In Maine, Augusta insurance customers may find fewer online tools for managing car insurance policies.
#9 – Liberty Mutual: Best for 24/7 Support
Pros
- 24/7 Customer Support: Liberty Mutual offers 24/7 customer service for those seeking auto insurance in Maine, ensuring help is always available for Augusta drivers.
- Customizable Coverage: Liberty Mutual auto insurance review shows that drivers in Augusta can personalize their policies with options like gap insurance and accident forgiveness.
- Discounts for Teachers and Military: Maine residents, including educators and military personnel, can reduce the average cost of car insurance with Liberty Mutual’s special discounts.
Cons
- Higher Rates for Teen Drivers: The average cost of car insurance in Maine is higher for teen drivers, and Liberty Mutual may charge more compared to other providers in Augusta.
- Claims Processing Delays: Some Augusta insurance customers report slower claims resolution times with Liberty Mutual in Maine.
#10 – State Farm: Best for Financial Strength
Pros
- Strong Financial Stability: Our State Farm auto insurance review highlights the company’s reliable claims coverage and financial strength in Augusta.
- Good Student Discounts: Young drivers in Maine with good grades can save on auto insurance in Maine through State Farm in Augusta.
- Extensive Agent Network: Maine drivers benefit from State Farm’s widespread network of local agents offering personalized support in Augusta.
Cons
- Fewer Senior Discounts: State Farm may offer fewer discounts for senior drivers than other car insurance companies in Maine.
- Higher Starting Premiums: State Farm’s car insurance in Maine may come with higher initial costs for new Augusta customers.
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Maine Car Insurance Coverage and Rates
Auto insurance is required in Maine, although rates differ based on the provider and extent of coverage. The typical monthly rates for minimum and full coverage from leading carriers are contrasted in the table below.
Maine Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $43 | $108 |
| $34 | $84 |
| $47 | $117 |
| $15 | $37 |
| $48 | $120 |
| $44 | $133 |
| $35 | $87 |
| $38 | $94 |
| $57 | $59 |
| $25 | $61 |
For instance, the minimal coverage offered by Geico and American Family is $15 per month, while the full coverage ranges from $37 to $133. Finding the best deal requires comparing providers.
If you’ve had violations like a DUI, you may need to know what SR-22 insurance is. An SR-22 is a certificate proving you have the required liability coverage, often needed for 3 years.
Failure to maintain it may result in higher rates or license suspension. Knowing how auto insurance in Maine works, including SR-22 standards, will help you make more informed selections about coverage and pricing.
Best Car Insurance Companies in Maine
Choosing auto insurance in Maine can be tricky, with many options. To make it easier, we’ve reviewed the top Maine car insurance companies and their discounts. Providers like Allstate, American Family, Farmers, and Geico offer savings for safe driving, good students, and bundling.
Auto Insurance Discounts From the Top Providers in Maine
| Insurance Company | Available Discounts |
|---|---|
| Early signing, anti-theft, safe driving, bundling, new car, good student, and multiple policy discounts |
| Safe driver, good student, multi-vehicle, loyalty, low mileage, and bundling discounts |
| Signal, bundling, good student, anti-theft, and accident-free discounts |
| Anti-theft, defensive driving, good student, military, bundling, vehicle equipment, and multi-vehicle discounts |
| Multi-policy, multi-car, new vehicle, safe driver, good student, homeowner, and early shopper discounts |
| Anti-theft, multi-car, good driver, good student, and bundling discounts |
| Accident-free, defensive driving, good student, bundling, smart ride , and multi-vehicle discounts |
| Snapshot, multi-policy, multi-vehicle, homeowner, teen driver, good student, and pay-in-full discounts |
| Good driver, good student, multi-policy, multi-vehicle, accident-free, and defensive driving discounts, as well as participation in the Drive Safe & Save program, which rewards safe driving habits with additional savings |
| Multi-policy, hybrid/electric vehicle, safe driver, homeownership, good student, and continuous insurance discounts |
Liberty Mutual and Mercury offer multi-policy discounts, while Geico has savings for military members and specific vehicle features. State Farm also rewards safe driving with its Drive Safe & Save program.
The Maine Report Card on auto insurance discounts shows where you can save the most. The Multi-Vehicle Discount provides up to 25% off with companies like Allstate, State Farm, and Geico.
Maine Report Card: Auto Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Multi-Vehicle Discount | A | 25% | Allstate, State Farm, Geico |
| Good Student Discount | B | 15% | Liberty Mutual, Geico, Allstate |
| Pay-in-Full Discount | C | 10% | Progressive, Nationwide, Travelers |
The good student discount saves up to 15% with Liberty Mutual, Geico, and Allstate. Other discounts, like Pay-in-Full, offer up to 10% savings with Progressive, Nationwide, and Travelers. Compare rates to find the best deal for auto insurance in Maine.
Driving in Maine
Driving in Maine poses challenges, and Portland has a record of 250 accidents and 200 claims annually. Bangor and Lewiston also have many accidents; safety is essential when driving.
Maine Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Augusta | 120 | 95 |
| Bangor | 200 | 150 |
| Lewiston | 180 | 140 |
| Portland | 250 | 200 |
| South Portland | 170 | 130 |
Comprehensive and collision coverage will be beneficial in dealing with the damage resulting from various types of accidents. This type of coverage will offer protection against unexpected events or accidents on Maine’s roads.
The most common claims are rear-end collisions (35%) and single-vehicle accidents (25%), which average $4,200 and $5,000, respectively. While rare, at 5%, weather-related accidents are the costliest, averaging $6,500 per claim.
5 Common Auto Insurance Claims in Maine
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-End Collisions | 35% | $4,200 |
| Single-Vehicle Accidents | 25% | $5,000 |
| Intersection Accidents | 20% | $3,800 |
| Parking Lot Accidents | 15% | $1,500 |
| Weather-Related Accidents | 5% | $6,500 |
Drivers seeking cheap auto insurance in Maine can find affordable coverage options. Understanding the average car insurance cost in Maine helps ensure you select a policy that fits both your budget and coverage needs.
Premiums as a Percentage of Income
In 2014, Maine’s per capita disposable income was $37,049, which translates to about $3,000 per month for essentials like bills, groceries, and auto insurance in Maine.
Maine Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Liability Coverage | A | Affordable rates compared to national average |
| Collision Coverage | B | Moderately priced with options for customization |
| Medical Payments | C | Costs slightly above the state average |
Costing $689.12, Mainers spent just 1.86 percent of their monthly income on car insurance, well below the national average of $981.77.
Maine’s auto insurance rates are generally affordable, with liability coverage earning an A grade for its cost-effectiveness compared to the national average.
For affordable rates and comprehensive coverage, auto insurance in Maine offers the best value with options like liability coverage, earning an A grade for cost-effectiveness.
Collision coverage received a B for moderate pricing and customization options, while medical payments car insurance coverage were slightly above the state’s average, earning a C grade. For the best rates, obtaining car insurance quotes in Maine is a smart choice.
Maine Rates Comparison: Find the Cheapest Insurance in Your City
Looking for affordable auto insurance in Maine? Whether new to the state or just exploring better options, follow these five easy steps to find the best rates for your city.
- Choose Your City: You can start by selecting your location from popular Maine cities like Auburn, Bangor, Lewiston, and South Portland.
- Compare Auto Insurance Rates: Check out our comparison table to see how different providers stack up in your city.
- Assess Your Options: Find the most affordable rates that provide the coverage you need.
- Pick the Best Deal: Once you’ve narrowed it down, choose the option that offers the best value for your needs.
- Enjoy Full Coverage: With the right plan, you’ll have peace of mind knowing you’re covered at an affordable price.
Ready to save on your following policy? Compare auto insurance rates today and discover the best deals from Maine car insurance companies.
Minimum Car Insurance Requirements in Maine
In Maine, drivers must have a minimum liability insurance policy because it’s an at-fault state. The requirements include Bodily Injury Liability Insurance of $50,000 for one person’s injury or death, $100,000 for total bodily injury or death per accident, and $25,000 for property damage.
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A Combined Single Limit of $125,000 also meets the requirements. This coverage serves as a safety net, helping to pay certain costs following an accident, but it may not be sufficient to cover everything.
Insurance is essential in Maine because, as an at-fault state, drivers are responsible for accident damages and medical expenses. Additionally, Maine drivers could encounter uninsured motorists, while New Hampshire drivers do not require insurance.
Geico provides exceptional value coverage that meets state standards while protecting against at-fault accidents.
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While minimum coverage is needed, many drivers seek the cheapest auto insurance in Maine to ensure adequate protection at a lower cost. Start comparing total coverage auto insurance rates by entering your ZIP code here.
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Low-cost Auto Insurance in Maine: Top Providers and Rates
Finding cheap auto insurance in Maine is easy with the right provider. Leading companies like Geico, Travelers, and American Family offer competitive rates, with Geico starting at $15 per month. Many Maine car insurance companies offer discounts, including the safe driver discount, which can lower your premium.
Whether you prefer Geico’s online tools or Travelers’ customer service, each insurer offers benefits suited to different needs. Comparing rates from these top providers helps you secure quality coverage at an affordable price. Stop overpaying for auto insurance. Enter your ZIP code to find out if you can get a better deal.
Frequently Asked Questions
How much does auto insurance cost in Maine per month?
Auto insurance in Maine can cost as low as $15 per month for minimum coverage, with full coverage averaging between $37 and $133.Look at our auto insurance coverage options for expanded insights.
Can I get a good deal on car insurance with a clean driving record?
Yes, companies like Travelers, Geico, and State Farm offer discounts for safe drivers. Get fast and cheap auto insurance coverage today with our quote comparison tool.
Which insurance company offers the best customer service in Maine?
Travelers are known for accident forgiveness, hybrid vehicle discounts, and competitive rates, making it a top choice for the cheapest Maine auto insurance.
What discounts are available for auto insurance in Maine?
Discounts include good student, safe driver, multi-policy, bundling, anti-theft, and low mileage. Explore our anti-theft device discount for more insights.
What Are the Cheapest Auto Insurance Policies for Young Drivers in Maine?
Auto insurance quotes in Maine can vary for young drivers. Mercury Insurance offers competitive rates and discounts for drivers under 25, making it an excellent choice for affordable coverage.
Does Geico offer discounts for safe driving in Maine?
Yes, Geico offers safe driving discounts through its defensive driving program in Maine. Protect your vehicle at the best prices by entering your ZIP code into our free auto insurance quote comparison tool.
Are there discounts for military members or students in Maine?
Yes, Geico offers military discounts, and Allstate and Liberty Mutual provide good student discounts. Dive into our military auto insurance to gain a deeper insight.
How does accident forgiveness work in Maine?
Travelers offers Maine auto insurance rates with accident forgiveness, allowing drivers to avoid rate hikes after their first accident, provided they have a clean driving record.
How would I lower auto insurance costs in Maine?
Lower the average cost of car insurance in Maine by keeping a clean driving record, bundling policies, and using safety features.
Can I get cheap auto insurance with a poor driving history in Maine?
Geico, Travelers, and American Family offer affordable rates, but high-risk drivers may see higher premiums. Review our high-risk drivers for insights.