Best Auburn, ME Auto Insurance in 2025 (Top 10 Companies Ranked)

Geico, State Farm, and Progressive offer the best Auburn, ME auto insurance, with rates starting at $79.

Geico is the top pick for affordable rates, while State Farm stands out for personalized service, and Progressive offers flexible coverage options.

Our Top 10 Company Picks: Best Auburn, ME Auto Insurance

Your rate can vary based on factors such as your driving record, type of vehicle, and credit score, particularly if you’re labeled a high-risk driver. They hope to undercut others but still provide you with decent value.

By comparing these providers, you’ll find the best auto insurance in Auburn, Maine, for what you need. Just pop your ZIP code into our free quote tool above to see the top insurance companies near you.

#1 – Geico: Best for Affordable Rates

Pros

• Affordable Rates: Geico provides the most competitive rates for Auburn, Maine car insurance, starting at only $79 for basic coverage.
• Excellent Deals: Enjoy up to a 25% discount when you bundle policies, with additional savings available for safe driving, military service, and exemplary student achievements through the best Maine car insurance.
• Reliable Coverage: Geico provides reliable, all-around coverage for car insurance in Auburn, ensuring peace of mind on the road. Check out our Geico auto insurance review.

Cons

• Limited Local Support: Geico doesn’t offer as much personalized local agent support as other providers like State Farm.
• Fewer Discounts: While Geico has some good discounts, it doesn’t always offer as many as some competitors like State Farm or Progressive.

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#2 – State Farm: Best for Personalized Service

Pros

• Personalized Service: State Farm focuses on unique services where they learn about their clients and what they want by offering this assistance via a closer local agent in Auburn, Maine.
• Low Rates for Safe Drivers: State Farm offers affordable rates, starting at $90/month for minimum coverage, especially for safe drivers. Refer to our State Farm auto insurance review.
• Multi-Policy Discounts: When you bundle your car, home, or life insurance with State Farm in Auburn, Maine, you can save up to 17%.

Cons

• Higher Premiums for Some Drivers: For certain drivers or vehicles, State Farm’s premiums can be higher compared to budget providers like Geico.
• Limited Online Experience: State Farm’s online tools and experience may not be as seamless or quick as those of Geico or Progressive.

#3 – Progressive: Best for Flexible Options

Pros

• Flexible Coverage Options: Progressive has customizable coverage plans, which makes it the best for drivers who need tailored protection for car insurance in Auburn, ME.
• Snapshot Program: By using the Snapshot tool, customers who drive safely can be eligible for price discounts of up to 10% off, making it possible to decrease the rates even more.
• Competitive Rates: Progressive is a great option for drivers in Auburn, Maine, as you can get affordable car insurance with minimum coverage starting at $88.

Cons

• Higher Rates for Some Drivers: It is possible that Geico can be a bit cheaper than Progressive in terms of drivers with a bad credit history in Auburn, Maine.
• Complex Policy Details: The wide variety of coverage options can sometimes make it a bit overwhelming to understand all the choices available. Visit Progressive auto insurance review.

#4 – Allstate: Best for Diverse Coverage

Pros

• Diverse Coverage Options: Allstate in Auburn, Maine, has a reputation for having coverage that is often a local motorist’s favorite.
• Strong Local Support: Allstate was top-rated in terms of local agent support, providing tailored guidance for your car insurance in Auburn.
• Bundling Savings: Allstate offers up to 25% off when you bundle your auto insurance with home or life policies. Learn more with our Allstate auto insurance review.

Cons

• Higher Premiums: Allstate’s premiums can be higher than Geico’s, particularly for drivers who don’t qualify for many discounts.
• Fewer Discounts for Safe Drivers: Although Allstate offers many discounts, it may not provide as many for safe drivers as other companies like Geico or State Farm.

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#5 – Liberty Mutual: Best for Claims Assistance

Pros

• Top-Notch Claims Assistance: Given its impressive track record, Liberty Mutual is the optimal Auburn, Maine automobile insurer for straightforward claims processing.
• Competitive Rates: Auburn, Maine motorists may select the cover, paying as low as $98/month thanks to Liberty Mutual. View our Liberty Mutual auto insurance review.
• Customizable Policies: Liberty Mutual in Maine offers flexible policy customization to ensure you receive the coverage.

Cons

• Higher Premiums for Some Drivers: Individual policyholders can experience higher rates depending on their driving history when applying for coverage from Liberty Mutual.
• Limited Discounts: Although Liberty Mutual provides some discounts, they may need to be on par with other companies like Geico or Progressive.

#6 – Nationwide: Best for Deductible Savings

Pros

• Deductible Savings: Nationwide offers great opportunities to lower your deductible, making it a top choice for Auburn, ME drivers looking for lower out-of-pocket costs.
• Safe Driver Discounts: Nationwide offers up to 20% off for safe driving, helping you lower your rates, starting at $94 for minimum coverage. Check out our Nationwide auto insurance review.
• Easy-to-Use Online Tools: Nationwide has a user-friendly website and mobile app, making it easy to manage your policy.

Cons

• Higher Rates for High-Risk Drivers: Drivers with a less-than-perfect record may find Nationwide’s rates higher than other providers.
• Limited Availability of Discounts: Although Nationwide offers some discounts, it may not have as many options as Geico or State Farm.

#7 – Travelers: Best for Green Vehicles

Pros

• Green Vehicle Coverage: Travelers provides excellent eco-friendly service to car owners in Auburn, ME, with coverage rates dedicated to hybrid or electric car liabilities.
• Safe Driver Discounts: Travelers offers up to 13% off for safe driving, helping you lower your rates, starting at $93 for minimum coverage. Visit Travelers auto insurance review.
• Eco-Friendly Coverage Options: The company provides unique policies for people who own eco-friendly automobiles, so it is the best fit for green-minded car owners.

Cons

• Higher Premiums for Non-Green Vehicles: Travelers’ rates can be higher for standard vehicles compared to budget-friendly providers like Geico.
• Limited Customization: Travelers’ policies may not be as customizable as those from Progressive or State Farm.

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#8 – Farmers: Best for Local Agents

Pros

• Personalized Support: Farmers is great for the driver who wants to speak to a local agent, which makes it a top option for those living in Auburn who prefer face-to-face assistance.
• Affordable Rates: With minimum coverage starting from $105, Farmers is an insurance carrier that offers decent protection at an affordable price.
• Bundling Discounts: You can save up to 20% by bundling your auto and home insurance with Farmers, a nice bonus. Visit our Farmers auto insurance review.

Cons

• Higher Rates for Some Drivers: Farmers’ rates may be higher than those of some competitors, especially for drivers with fewer discounts.
• Limited Online Tools: Farmers’ online experience may not be as streamlined as that of other providers like Geico or Progressive.

#9 – USAA: Best for Military Families

Pros

• Military Discounts: USAA provides outstanding discounts and benefits for military families, establishing it as the top choice for Auburn car insurance for service members.
• Affordable Coverage: USAA provides exceptional rates to military families, which are comprised of factors starting at $82 for minimum coverage. View our USAA auto insurance review.
• Top-Rated Customer Service: USAA does its best, and it has perfected its customer relations programming to cater to military families at every stage of military life.

Cons

• Eligibility Limitations: USAA serves the armed forces and their families, a policy that includes certain limitations for non-military drivers.
• Limited Availability: Since USAA is only available to military members, it’s not an option for everyone in Auburn insurance.

#10 – Amica: Best for Customer Satisfaction

Pros

• Excellent Customer Satisfaction: Amica is known for its top-tier customer service, making it the best Auburn, ME auto insurance provider for customer support.
• Great Discounts: Amica Insurance in Maine provides up to 30% off for bundling policies, safe driving, and academic achievements, with rates beginning at $92 for minimum coverage.
• Customizable Policies: Amica allows you to tailor your policy, offering flexible coverage options to meet your needs. Refer to our Amica auto insurance review.

Cons

• Higher Premiums for Some Drivers: Some may consider Amica’s rates more expensive than those of a customer from cheaper auto insurance providers such as Geico.
• Limited Physical Locations: Amica doesn’t have as many physical locations as companies like State Farm, which may make in-person support harder to access.

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Auto Insurance Rates and Discounts in Auburn, ME

There are many options, and finding the right plan depends on what you need and how much you want to spend. Whether you’re sticking to basic coverage or want complete protection, knowing the rates and discounts local providers offer can help you get the best deal. Let’s break it down so you can see what’s out there.

Auburn, ME Auto Insurance Monthly Rates by Provider & Coverage Level

Auburn auto insurance rates fluctuate greatly from one month to the next. For minimum coverage, Geico has the lowest at $79 and the highest at $125 for full coverage. Farmers charged more at $105 and $152, respectively. Consider competitive options from State Farm, Progressive, and Amica. Overall costs can also be influenced by discounts for safe driving, bundling policies, or student status.

Geico and USAA are great for military families and students, while companies like Allstate and Liberty Mutual give discounts for anti-theft devices or signing up early. These perks lower your monthly payment and reward you for good habits or long-term commitment to a company.

Auto Insurance Discounts From the Top Providers in Auburn, ME

Ultimately, finding the best insurance in Auburn is about balancing what you need with what you can afford. When exploring types of auto insurance coverage, whether you’re drawn to Geico’s attractive pricing or USAA’s specialized discounts, there’s always an appropriate plan to suit your needs. Take a little time to compare prices and coverage options—you might be surprised how much you can save.

Auto Insurance Coverage Requirements in Maine

This table gives a simple overview of auto insurance coverages required and typical in Maine so that drivers can compare what’s required by law and what most everyone else opts for as a precaution. Medical payments and uninsured automobile liability coverage are two of the legal minimums that Maine requires (although other states do not).

Auto Insurance Coverage Requirements in Maine

Despite the extra required coverage, drivers in Maine still pay fairly low rates and are protected with additional coverage. It only costs around $80 per month to have automotive insurance in Maine, whereas, in other states, the average rates are around three figures. However, Auburn drivers can get covered for as little as $35/mo with our helpful advice.

Auburn, ME Report Card: Auto Insurance Premiums

Concord, Liberty Mutual, and State Farm are offering competitively low Auburn, ME auto insurance rates. While paying the absolute lowest rate may seem like the most attractive option, consider the other factors at play.

Auburn, ME Average Monthly Auto Insurance Premiums

Car insurance quotes in Auburn take into account multiple factors like your gender, residence, credit score, driving experience, and theft protection features of your vehicle. Since premiums vary between companies, it’s wise to regularly compare rates online to ensure you’re still getting the best deal.

Major Factors in Cheap Car Insurance in Auburn, Maine

There are lots of ways in which your car insurance rate may be determined. But not all of it is out of your control; there are things you can do to increase the number of discounts you are entitled to. Listed below are some of these factors in greater detail:

Your ZIP Code

The location where you park your car each night can significantly affect your auto insurance premiums. Typically, insurance costs less in rural areas due to fewer cars and a reduced chance of accidents. In Auburn, Maine, where the population is 22,987 and the median household income is $44,646, the monthly auto insurance rates can vary by ZIP code. Here’s a breakdown of the average rates for different ZIP codes in

Auburn, ME Auto Insurance Monthly Rates by ZIP Code

These figures illustrate the variation in auto insurance costs across Auburn, Maine, highlighting how location and local risk factors connected to the Auburn, Maine zip code influence your options for auto insurance coverage.

Automotive Accidents

Since auto insurance rates in Auburn, ME are relatively low, $1,150 is the average annual premium, slightly below the state and country averages. It’s important to ensure you have adequate coverage considering the rate of accidents in the area.

Fatal Auto Accidents in Auburn, ME

So while you may not be very likely to run into a fatal accident relatively speaking, the per capita incident rate from the above suggests that there are higher risks to driving in America, which means it’s important to make sure you buy the right insurance policy to offset your financial risk.

Auburn, ME Auto Accidents & Insurance Claims Statistics

With multi-vehicle crashes hitting triple digits and accident figures remaining steady, recent statistics show that in some areas, comprehensive auto insurance is a must in the worst cities for fatal rush hour crashes.

Auto Thefts in Auburn

Securing affordable auto insurance can be difficult if your car is one of the common ones that thieves prefer or if you often park in large metro areas. Strikingly, vehicle theft fell to an all-time low in Auburn, ME just 17, the trend of which has been on a downward tailspin lately.

If you’re looking to reduce your expenses, discussing your comprehensive coverage deductible with your insurance agent might help lower your monthly payments. Here’s a snapshot of the monthly rates for collision and comprehensive coverage from various providers in Auburn, ME:

Auburn, ME Auto Insurance Monthly Rates by Provider & Coverage Type

These rates help illustrate the various options available in Auburn, allowing residents to compare and find the best fit for their auto insurance needs.

Your Credit Score

Your credit score significantly impacts the cost of your auto insurance. A low credit score can unfairly increase your monthly premiums, as insurers often view it as an indicator of risk.

By consistently paying your bills on time and in full, you can improve your credit score and, as a result, potentially lower your insurance costs. Here’s a look at how monthly auto insurance rates vary by credit score for various insurers in Auburn, ME:

Auburn, ME Auto Insurance Monthly Rates by Credit Score

This insight illustrates how your credit score affects your car insurance premiums so you can judge prospective costs and choose the best provider for your price range.

Your Age

In general, this is because younger drivers are considered riskier than older ones and will pay higher rates based on their age. For example, 17-year-olds might pay significantly higher premiums compared to 34-year-olds at many insurance companies. Here’s how those monthly rates stack up:

Auburn, ME Auto Insurance Monthly Rates by Age

This insight reveals that young drivers, mainly those curious about how old they have to be to drive, merit lower insurance premiums for good grades and the completion of driver education courses. Bundling a teen’s policy with their parents can also save a teen more money.

Your Driving Record

In Auburn, ME, your driving record can affect your auto insurance rates, and costs go up with tickets, accidents, or DUIs. For instance, you’d get his/her best rates with a clean record and a DUI results in the highest premiums across various insurers:

Auburn, ME Auto Insurance Monthly Rates by Driving Record

While some insurers offer accident forgiveness for minor infractions, serious offenses like DUIs have a significant impact on rates. Maintaining a clean driving record is crucial for keeping insurance costs low.

Your Vehicle

In Auburn, ME, the cost of auto insurance varies significantly depending on the type of vehicle insured. For example, insuring a 2024 Honda Accord is considerably cheaper than a 2024 Porsche Boxster Spyder across various insurers:

Auburn, ME Auto Insurance Monthly Rates by Vehicle

This overview highlights how premiums vary, especially for the most expensive cars to insure, due to the higher costs of repairing or replacing luxury vehicles compared to more economical or older models.

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Minor Factors in Cheap Auto Insurance in Auburn, Maine

Your insurance company will draw upon many different factors when determining your final quote. But not all of it is out of your control; there are steps you can take so that your overall number of discounts is increased. Listed below are some of these factors in greater detail:

Your Marital Status

Are you on the same auto policy as your spouse? If you answered “no,” you could be missing out on significant savings, including a newlyweds discount. Being on separate policies might mean you’re overpaying by hundreds of dollars per year.

In most cases, the only reason not to share a plan would be if one of you has a very tarnished driving record. Don’t let potential savings slip away—combine your policies today.

Your Gender

This difference is a function of the different risk measurements that underlie each company’s premiums, which underlines the various types of car insurance available. Male drivers who can save some money with certain insurers may be spending more with others. This is one example of how there’s not much consensus on whether men are a more significant driving risk.

Your Driving Distance to Work

If you live and work in Auburn, you can expect to spend approximately 16-22 minutes behind the wheel on your way to work. A little over 75% of people drive their own vehicle alone, while another 11-18% choose to get to work by carpooling with their co-workers.

Reducing your annual mileage can lead to significant savings on gas and maintenance costs, aligning with key driving tips for road safety. Although insurance discounts for low-mileage vehicles may be modest, making substantial cuts to your driving distance—like working from home or relocating closer to your job—could lower your costs by up to 12%.

Your Coverage and Deductibles

Deductibles are small (or, depending on where you set them, large) financial sums you must pay upfront if you have to file a specific claim. Drivers with a clean history might want to think about raising their deductible, while riskier drivers could end up saving by lowering it.

An explanation of deductibles in collision coverage involves paying a set amount—such as $500—out-of-pocket before insurance covers car repairs after an accident. Increasing your deductible could result in lower monthly premiums.

Education in Auburn, ME

For those looking to save money on their car insurance and to take their career in a different direction, you can kill two birds with one stone by furthering your education. Studies show that providers are offering increasingly competitive rates to drivers with advanced degrees – even more so than based on profession or salary.

In Auburn, nearly 40% of drivers have a high school diploma, while over 18% have yet to complete their high school education. Located conveniently within the city of Auburn is the Central Maine Community College. It offers baccalaureate preparation and technical degrees in dozens of different fields.

For a four-year university, you can look into the University of South Maine in Lewiston or Commute down to Portland for even greater variety. Unfortunately, for most insurance companies, a straightforward online search can expose many of their trade secrets.

Even when armed with the right details, it can be tough to fully grasp your risk profile and secure low-cost car insurance for students. Always ensure thorough research before finalizing your choice of an affordable auto insurance policy in Auburn, ME.

How We Conducted Our Car Insurance Analysis

We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, and homeownership. Miles driven annually were based on the national average.

The average rate was also calculated for a financed 2015 Honda Accord with a pre-installed anti-theft device, which may qualify for an anti-theft device discount.

Case Studies: How Auburn, ME Drivers Benefit From Top Auto Insurance Providers

It’s always helpful to see how different drivers benefit from their insurance plans. We’ve rounded up three real-life examples to show how Geico, State Farm, and Progressive stack up in Auburn, Maine, auto insurance.

• Case Study #1 – Affordable Coverage for a New Driver: Jane, a 23-year-old recent grad, needed insurance for her daily drive. With no claims and a clean driving record, Geico’s $79/month rate was a great deal. She found the whole process easy to do online. The affordable price still gave her solid coverage, leaving her with extra cash for other expenses.
• Case Study #2 – Personalized Service for a Growing Family: John and Maria, with two kids to think about, weren’t just after the cheapest rate—they wanted an insurer that got what their family needed. After talking with a local State Farm agent, they decided to bundle their auto and home insurance there. Sure, it cost a bit more than Geico, but the local support made it worth it.
• Case Study #3 – Flexibility for a Safe Driver: Robert has driven for a considerable time and has never been involved in an accident. As such, it was only ideal to appreciate his good driving by joining Progressive Insurance Company. With the Progressive snapshot program, he earned discounts for safe driving, and he appreciated how customizable the coverage was.

As you can see, there’s no one-size-fits-all when it comes to auto insurance in Auburn, ME. Whether you’re after budget-friendly rates, personalized support, or flexible coverage, Geico, State Farm, and Progressive have options to fit your needs.

Each provider has its own strengths, so drivers can easily find the one that works best for their needs.

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Your Guide to Auto Insurance in Auburn

Selecting the right auto insurance insurance coverage in Auburn involves more than just finding the lowest price. It’s about understanding your specific needs and how different policies cater to them.

Look for coverage that offers comprehensive protection for your lifestyle and driving habits, ensuring it includes benefits for bundling, safe driving, and more. By comparing offerings carefully, you can secure insurance that not only meets your requirements but also offers the best value, helping you drive with confidence and security.

You can find affordable auto insurance, no matter your driving record, by entering your ZIP code into our free quote comparison tool.