Best Auburn, ME Auto Insurance in 2024 (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. Your rate can change depending on your driving history, car type, and credit score, especially if you’re considered a high-risk driver. These providers aim to offer competitive prices while still giving you good value.

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

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 offers the best Auburn, ME auto insurance with low rates starting at just $79 for minimum coverage.
• Excellent Deals: Get up to 25% off when you bundle policies, and enjoy savings for safe driving, military service, and good students.
• Reliable Coverage: Geico provides reliable, all-around coverage for car insurance in Auburn, ensuring peace of mind on the road. Check ou our Geico auto insurance review.

Cons

• Limited Local Support: Geico doesn’t offer as much personalized local agent support compared to 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 avail your car insurance along with home or life policy there is a great chance that you can save money 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 offers customizable coverage plans, making it the best for drivers who need tailored protection for car insurance in Auburn, ME.
• Snapshot Program: By using the tool Snapshot, customers who drive safely can be eligible for price discounts 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 is very famous marketing-wise since it provides extensive coverage options, which makes it less hostile to Auburn automobile owners.
• Strong Local Support: Allstate provides strong support through its network of local agents, giving personalized advice for 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 offer 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 allows you to modify the policy to meet your needs and get the best 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 perfect for anyone who likes having a local agent to talk to, making it a top choice for Auburn drivers who prefer face-to-face support.
• 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 offers exceptional discounts and benefits for military families, making it the best Auburn, ME auto insurance choice 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 distinguishes itself with its excellent customer relations programming that conforms to military families’ norms and needs.

Cons

• Eligibility Limitations: USAA caters to the armed forces and their families, a policy that can also have some restrictions 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 offers discounts of up to 30% for bundling policies, safe driving, and good students, starting 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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Navigating Auto Insurance Rates and Discounts in Auburn, ME

Shopping for auto insurance in Auburn, Maine? 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 full 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

Monthly rates for auto insurance in Auburn vary quite a bit between providers. If you’re looking for minimum coverage, Geico comes in cheapest at just $79 monthly, while Farmers is on the higher end at $105. Geico is still the most budget-friendly for full coverage at $125, followed by USAA at $128. On the pricier side, Farmers charges $152 for full coverage.

Other companies like State Farm, Progressive, and Amica fall in the middle, giving you solid options if you balance cost and coverage.

But rates aren’t the whole story—discounts can make a big difference! Many providers offer savings for safe driving, bundling policies, or even being a student. 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

Driving legally in Auburn requires:

Auto Insurance Coverage Requirements in Maine

Medical payments and uninsured automobile liability coverage are two legal minimum requirements that Maine mandates (but other states do not). Despite the extra required coverage, drivers in Maine still pay fairly low rates, and get protected with extra coverage.

Auburn, ME Report Card: Auto Insurance Premiums

It only costs around $80 per month to have automotive insurance in Maine, whereas in other states average rates are around three figures. However, Auburn drivers can get covered for as little as $35/mo* with our helpful advice.

Auburn, ME Average Monthly 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. Is it really worth saving a few dollars a month if your insurer doesn’t care about customer service or making the claims process as easy as possible?

Auburn, ME auto insurance companies consider numerous factors when determining insurance quotes, including gender, where you live, credit score/rating, years of driving experience, and theft protection devices. Also, keep in mind that premiums change from company to company. To verify you’re still receiving the cheapest rate, compare cheap Auburn auto insurance quotes online.

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

Where you park your automobile, each night will seriously impact your auto insurance rate. Generally, auto insurance is cheaper in rural areas because fewer cars mean a smaller likelihood that you will get into a collision with another automobile. The population of Auburn is 22,987, and the median household income is $44,646.

Auburn, ME Auto Insurance Monthly Rates by ZIP Code

Automotive Accidents

High accident rates in your area may influence your monthly premiums, which you cannot control. As you can see from the chart, Accident rates for Auburn are fairly low. Per capita, however, they’re still higher than other areas of the state. This has a small chance of elevating insurance rates near you.

Fatal Auto Accidents in Auburn, ME

Auburn’s affordable auto insurance rates are great, but with the number of accidents in the area, it’s important to ensure you have enough coverage. Saving money is good, but protecting yourself properly should always come first.

Auburn, ME Auto Accidents & Insurance Claims Statistics

Auto Thefts in Auburn

Finding cheap auto insurance can be difficult if you are at risk for auto theft. Certain popular vehicle models are attractive to thieves, as well as vehicles that are often parked in large cities. The total number of stolen vehicles in Auburn was 17 back in 2013. Not only is this very low, but it’s part of a steadily decreasing trend.

Talk to your insurance agent about your Comprehensive coverage deductible to see if there’s a way to lower your monthly payment (more on deductibles later).

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

Your Credit Score

Your credit score can have a huge impact on your monthly costs for automotive insurance. How Your Credit Score Affects Your Car Insurance Premiums is a key consideration, as having poor credit can seem both unfair and illogical but may end up costing you much more for your monthly premiums.

However, making your payments on time and in full each month can help raise your credit, thereby lowering your premiums over time.

Auburn, ME Auto Insurance Monthly Rates by Credit Score

Your Age

Young drivers (anyone under the age of 25 with a license) will get charged higher rates. But there are steps you can take to lower young driver premiums. Good grades will help high school and college students, as well as taking Driver Education courses. And parents of teenage drivers could bundle them into the family policy.

Auburn, ME Auto Insurance Monthly Rates by Age

Your Driving Record

Some companies are offering Accident Forgiveness discounts these days, which means you might have a minor violation (such as a low-damage accident) from your past “forgiven”, and your monthly premiums lowered. However, this type of discount will not apply to something like a DUI, which is much more serious.

Auburn, ME Auto Insurance Monthly Rates by Driving Record

Your Vehicle

Insuring an expensive, luxury vehicle can cost an arm and a leg, whereas an older sedan or a cheap, used car doesn’t require as much coverage. As a general rule, the newer and more expensive your vehicle is to replace or repair, the more you will have to pay in insurance costs (unless you want to risk the thousands of dollars in out-of-pocket expenses that usually come with purchasing a cheaper policy).

Auburn, ME Auto Insurance Monthly Rates by Vehicle

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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

Currently, very few companies charge different rates based on just a driver’s gender. And companies that charge differently can’t seem to decide which gender is safer behind the wheel. One company might charge lower rates for men, while the next insurance company might think that men should pay much higher premiums.

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.

Driving fewer miles each year can save you a ton of money – if you think you’re spending a fortune on gas or vehicle maintenance. But sadly, the insurance discounts for low-mileage vehicles are lackluster. However, an extreme mileage cut could save you as much as 12%, so it’s worth investigating if you’ve moved much closer to work or started working from home.

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.

For your Collision coverage, as an example, you might have a $500 deductible to pay before you can get your car fixed after an accident. But if you raise your deductible, you may get 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. But even with the right information, it can still be difficult for you as an individual to understand your risk profile and get low-cost insurance. Be sure you do your due diligence prior to committing to your next affordable Auburn, ME auto insurance policy.

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 best part? 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 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. Find the one that works best for you.

Each provider has its own strengths, so drivers can easily find the one that works best for their needs. Use our quote comparison tool below for fast and affordable auto insurance today.