Cheapest Car Insurance in Maine for 2022

Table of Contents

Cheapest Car Insurance in Maine for Good Drivers 

Geico has the cheapest car insurance for most good drivers in Maine. Drivers who have never had an accident or received a citation are considered good drivers by insurers and pay less for insurance than drivers with bad records. In addition to low rates, good drivers can often qualify for additional
 

Cheapest Car Insurance in Maine for Full Coverage 


Geico : $ 589 per year


Concord Group : $ 723 per year

Countryway Insurance : $ 945 per year

Travelers : $ 957 per year

Metropolitan : $ 984 per class

Geico has the cheapest car indemnity for most good drivers in Maine. Drivers who have never had an accident or received a citation are considered beneficial drivers by insurers and pay less for insurance than drivers with bad records. In addition to low rates, good drivers can often qualify for extra discounts from their insurance ship’s company. The cheapest car insurance caller in Maine for full coverage is Geico with an average premium of $ 589, although Concord Group and USAA are besides among the cheapest. These companies offer the lowest average premiums to Maine drivers looking for wide coverage car indemnity .
Full coverage refers to a policy that goes beyond the
 

Cheapest Car Insurance in Maine After a Ticket 

After a
 

Cheapest Car Insurance in Maine For Drivers with One At-Fault Accident 

One at-fault accident will usually affect your insurance negatively for 3-5 years as insurers will consider you
 

Cheapest Car Insurance in Maine After a DUI 

Insurers always charge drivers more for coverage after a
 

Cheapest Car Insurance in Maine for Drivers with Poor Credit 

A low credit score often flags drivers as higher risk, so insurers will usually charge them more for coverage. However, since insurers use different formulas to calculate premiums, poor credit might affect your rates more with one company than another. Because each insurance company treats credit differently, it pays to compare quotes.
 

Cheapest Car Insurance in Maine for Young Drivers 


Geico : $ 495 per year

Concord Group : $ 650 per year

Countryway Insurance : $ 682 per year

Travelers : $ 874 per year


MMG Insurance : $ 967 per year

Since young drivers have less experience behind the wheel, insurers tend to charge them higher rates than more mature drivers. On average, most drivers will see their rates drop as they get older with a considerable decrease once they turn 25 years old.

Cheapest Car Insurance in Maine for Older Drivers 


Geico : $ 180 per year

Patriot Insurance : $ 257 per year

Concord Group : $ 283 per year

Countryway Insurance : $ 331 per class

Metropolitan : $ 335 per year

Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.

Best Cities for Cheap Car Insurance in Maine

 

City Premium Percent Increase
Houlton $629 0.0%
Presque Isle $635 1.0%
Caribou $638 1.4%
Orono $693 10.1%
Old Town $696 10.6%
Farmington $718 14.1%
Skowhegan $734 16.7%
Bath $746 18.6%
Bangor $749 19.0%
Brunswick $751 19.3%
Brewer $751 19.4%
Kennebunk $754 19.9%
Ellsworth $758 20.4%
Wells $763 21.3%
Windham $765 21.5%
Gorham $766 21.8%
Falmouth $773 22.8%
Gardiner $782 24.3%
Biddeford $783 24.4%
South Portland $783 24.4%
Scarborough $785 24.7%
Saco $786 25.0%
Westbrook $787 25.0%
Augusta $789 25.5%
York $795 26.3%
Sanford $803 27.7%
Waterville $806 28.2%
Portland $851 35.2%
Auburn $866 37.6%
Lewiston $870 38.2%

 

Factors That Affect Car Insurance Premiums in Maine

Although senesce drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their elder years. Comparing car policy rates can save older drivers hundreds of dollars a year.

Cheapest Car Insurance in Maine

  • Geico: $25 per month
  • Concord Group: $35 per month
  • USAA: $39 per month
  • Countryway Insurance: $40 per month
  • MMG Insurance: $48 per month
  • Travelers: $48 per month
  • Metropolitan: $57 per month
  • Patriot Insurance: $59 per month
  • Vermont Mutual: $61 per month
  • Progressive: $65 per month  

5 Tips for How to Get Cheap Car Insurance in Maine

 

1. Compare quotes from both national and regional insurers

Don’t forget to include local insurance companies in your search for cheap car insurance. In Maine, regional insurers like Amica Mutual and The Hanover might have lower rates than national companies like State Farm, Geico and Allstate, in addition to comparable customer satisfaction ratings.
 

2. Know the factors affecting insurance in Maine

Everyone knows that your driving habits and
 

3. Maintain coverage

You’ll see higher rates if you let your insurance lapse, even
 

4. Choose the coverage that is right for you

You need
 

5. Search for discounts

Top car insurance companies in Maine have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
 

Methodology

 

In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.

Category All Profile Characteristics Good Driver Profile
Gender Male, Female Male
Age 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 45
Marital Status Single, Married Single
Teenage Driver Included on Policy No, Yes No
Driving Record Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident Clean
Miles Driven Per Year 7,500 Miles, 15,000 Miles, 20,000 Miles 15,000 Miles
Coverage Level Minimum, Standard, Full Minimum
Discounts None, Multi-Policy, Homeowner, Student None
Credit Level Poor, Good Good
Filings None, SR22, FR44 None
Car Sedan, Minivan, SUV, Coupe, Truck Sedan
  • Minimum Coverage: Coverage requirements of $50,000 in bodily injury liability per person, $100,000 per accident, and $25,000 in property damage liability, as well as $50,000 in uninsured/underinsured motorist coverage per person, $100,000 uninsured/underinsured motorist coverage per accident, and $2,000 in medical payments coverage, as required by Maine’s minimum coverage requirements.
  • Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage and 50k/100k/25k of uninsured motorist coverage and $2,000 of medical payments coverage.
  • Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, and collision and comprehensive coverage with a $500 deductible and $2,000 of medical payments coverage.
  • Sedan: 2018 Toyota Camry.
  • Minivan: 2018 Dodge Grand Caravan.
  • SUV: 2018 Toyota RAV4.
  • Coupe: 2018 Ford Mustang.
  • Truck: 2018 Ford F-150.

Where driver profiles are not specified, WalletHub averaged Maine insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
WalletHub ’ s analysis of cheap car policy companies in Maine is based on data from the Maine DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car indemnity companies for Maine drivers in a collection of key categories. For each profile, WalletHub compared quotes among peak Maine cable car indemnity companies by averaging premiums from 30 travel rapidly codes that represent at least 20 % of Maine ‘s population. Military-specific companies like USAA were lone considered for the military-specific class, due to their eligibility restrictions. In some cases, they may hush be the best option overall for eligible drivers.In the table below, you can see all of the profile characteristics that were used in WalletHub ’ second analysis, in addition to the specific subset of characteristics that make up our good Driver profile.Below are extra details regarding the terminology and specific characteristics of the variables in the above board : Where driver profiles are not specified, WalletHub averaged Maine insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is spokesperson only. individual rates will be different.

Don ’ thymine forget to include local policy companies in your search for bum car indemnity. In Maine, regional insurers like Amica Mutual and The Hanover might have lower rates than national companies like State Farm, Geico and Allstate, in addition to comparable customer satisfaction ratings.Everyone knows that your driving habits and claims history affect how much you pay for car policy. But in Maine, companies can besides consider your historic period, sex, accredit history, marital status, and more when setting premiums. The cable car you drive, your annual mileage, and even some factors beyond your master all impact the price of insurance.You ’ ll see higher rates if you let your policy lapse, even if you don ’ metric ton own a car. Maine drivers who don ’ metric ton maintain continuous coverage pay an average of 6 % more than those with five or more years of policy history.You need indebtedness policy to pay for the other driver ’ south damages if you ’ re at fault in an accident in Maine. Collision and comprehensive coverage, on the other hand, are optional and may be unnecessary if you own an older car. Usage-based policy might be a better fit than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, besides. Don ’ t scrimp on the coverage you need, but do make inform choices. That way, you won ’ t end up paying for more car indemnity than you need.Top car insurance companies in Maine have a assortment of discounts, so about anyone can find ways to save. You may be able to get a rebate if you ’ re a student, veteran, thoroughly driver, homeowner, willing to go paperless, and more. Since young drivers have less feel behind the wheel, insurers tend to charge them higher rates than more mature drivers. On average, most drivers will see their rates drop as they get older with a considerable decrease once they turn 25 years old. Full coverage refers to a policy that goes beyond the minimum express requirements. Because full coverage protects you in more situations, it costs more than the minimum requirements.After a travel rapidly ticket, most drivers will see their insurance rates go up for 3-5 years. It ’ south significant to keep in mind that each insurance caller calculates rates differently, so you should always get multiple quotes in order to make certain that you get the best deal.One at-fault accident will normally affect your policy negatively for 3-5 years as insurers will consider you bad. Because of your higher rates, it is even more crucial to comparison shop.Insurers always charge drivers more for coverage after a DUI conviction as this signals to indemnity companies you are a higher risk driver than the average person. Because a DUI conviction puts you in the bad category to insurers, your insurance rates will be higher, and shopping about can save you a long ton of money.A low credit score much flags drivers as higher risk, so insurers will normally charge them more for coverage. however, since insurers use different formulas to calculate premiums, inadequate credit might affect your rates more with one company than another. Because each policy caller treats credit differently, it pays to compare quotes .

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