Maine drivers pay an average of $908 per year for full coverage car insurance and $443 for minimum coverage. These rates are based on a 40-year-old driver with good credit and a clean driving record, so your actual costs will vary based on your personal details.
Average Cost of Car Insurance in Maine
Updated: August 19, 2025
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Key Takeaways
Maine car insurance costs range from $443 to $7,544 per year depending on your driver profile, coverage, and location.
With rankings of 8th for minimum coverage and 2nd for full coverage, Maine offers some of the most budget-friendly car insurance rates in the nation.
To secure the cheapest car insurance in Maine, start by deciding your coverage requirements, then research various companies before comparing quotes extensively.
Average Car Insurance Cost In Maine
| Full Coverage | $76 | $908 |
| Minimum Coverage | $37 | $443 |
*Rates are for a 40-year-old driver with good credit and no driving violations who is insuring a 2012 Toyota Camry LE. Minimum coverage represents the minimum required liability coverage in the state while full coverage is representative of a 100/300/100 liability policy with a $1,000 deductible for comprehensive and collision coverage.
Average Maine Car Insurance Cost By Category
Your individual characteristics, geographic location and vehicle choice all play major roles in determining car insurance costs. Here are average rates for various driver categories and profiles.
| Young Drivers | $96 | $194 |
| Adult Drivers | $37 | $75 |
| Senior Drivers | $37 | $73 |
| Drivers With An Accident | $54 | $107 |
| Drivers With A DUI | $73 | $155 |
| Drivers With A Speeding Ticket | $46 | $95 |
| Drivers With Bad Credit | $153 | $310 |
| Drivers With Low Income | $90 | $183 |
| Drivers With Newer Cars | $46 | $97 |
| Drivers With Old Cars | $32 | $66 |
*We modified rates based on the same 40-year-old driver profile with these changes: young drivers (16 to 25), adults (26 to 64), seniors (65+), low income (fair credit), bad credit (poor credit), newer cars (2025 Toyota Camry LE), older cars (2007 Toyota Camry LE). Driving violation profiles include only that violation.
FIND THE BEST CHEAP PROVIDER FOR YOUR PROFILE
Check out our comprehensive roundup guides to identify the best cheap provider for your profile.
Personalized Average Maine Car Insurance Costs
These general driver categories provide basic estimates. Our filterable table shows you exact costs based on your personal details for more accurate rates.
Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Age Group:Adult Drivers
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Gender:Female
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| 100/300/100 Full Cov. w/$1,000 Ded. | 341 | 4088 |
*Rates for the age groups are based on the following assumptions: young drivers (16 to 25), adults (26 to 64), seniors (65+).
Average Maine Car Insurance Cost By City
Location affects Maine car insurance costs. Full coverage rates range from $400 per year in Bridgewater to $1,025 in Lewiston. Compare rates for your city below.
Data filtered by:Results filtered by:
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City:Abbot
| Full Coverage | $73 | $880 |
| Minimum Coverage | $36 | $430 |
*Rates are based on a 40-year-old driver with good credit and a clean record driving a 2012 Toyota Camry LE. Minimum coverage means basic liability required by state law. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles.
Is Maine Car Insurance Expensive?
Maine ranks 2nd for full coverage and 8th for minimum coverage affordability, making it one of the most budget-friendly states for car insurance. Your actual costs may vary based on your specific city.
Why Is Car Insurance More Affordable In Maine?
Here's why Maine car insurance rates are so affordable:
Lowest Uninsured Driver Rate
Maine has one of the lowest percentages of uninsured drivers in the country, with only a small percentage operating without insurance compared to the national average. This low rate of uninsured drivers helps keep costs down for all insured drivers and reduces the risk of accidents with financially irresponsible motorists.
Favorable Weather and Geographic Factors
While Maine experiences severe winter storms and has seen multiple federal disaster declarations for severe storms and flooding in recent years, the state ranks favorably for location away from common natural disasters compared to hurricane-prone or tornado-prone regions. Maine's comprehensive claims are primarily limited to winter weather damage rather than the costly hurricane, wildfire, or tornado damage seen in other states.
Moderate Healthcare Costs
Maine consistently ranks as the cheapest state for car insurance, with average full coverage rates well below the national average. Full coverage costs average $908 annually, compared to higher national averages, while minimum coverage averages much less per year. Maine's rates are substantially lower than the national average, making it one of the most affordable states for drivers.
Strong Regulatory Environment
Maine's law-abiding drivers tend to comply with insurance requirements, contributing to the state's low uninsured motorist rate. The state has effective enforcement mechanisms and a culture of regulatory compliance that helps maintain the low percentage of uninsured drivers. This responsible driving culture benefits all insured drivers through lower rates and reduced risk.
Low Population Density and Rural Character
Maine has low population density, ranking low nationally for population density, which contributes to fewer accidents and lower insurance costs. The state's largest city has less than 70,000 residents, and Maine primarily consists of small towns and rural areas. Rural areas have fewer drivers on the road, so accidents occur much less often, leading to lower claims and reduced premiums.
Low Crime and Car Theft Rates
Maine benefits from lower-than-average car theft rates and low crime rates overall, which helps keep comprehensive coverage costs down. The state's rural character and low population density contribute to reduced opportunities for car theft and vandalism compared to more densely populated urban areas. This translates to fewer comprehensive claims and lower premiums for all drivers.
Aging Population Benefits
Maine has the highest senior population per capita in the U.S., with nearly 22% of residents over age 65. Senior drivers typically have fewer accidents than younger drivers. The mature driving population contributes to the state's overall low accident rates and favorable insurance environment.
Competitive Insurance Market
Maine benefits from a competitive insurance market with many auto insurance carriers operating in the state. This competitive market means Maine consumers are paying less for auto insurance than consumers in nearly every other state. Independent insurance agencies have many options available and can find customers the lowest prices due to this competition.
How To Lower Car Insurance Costs In Maine
Want to cut your car insurance costs? Here's how to lower your rates:
- 1
Decide on coverage needs beforehand
Decide on your coverage needs before shopping so you aren't oversold on coverage you don't need. Consider your budget, driving habits, car value, and risk tolerance.
- 2
Research costs and discounts
Know the average costs for your profile and coverage level to spot good deals. Research car insurance discounts you qualify for and check home and auto insurance bundles for additional savings.
- 3
Look into company reputations and coverage options
Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to narrow down which companies to compare. Use industry studies, review forums, and public forums like Reddit for research.
- 4
Compare quotes through multiple means
Compare quotes from multiple companies side by side to find the best deal. Use different methods like online comparison sites and independent agents since pricing varies by method.
Cost of Car Insurance in Maine: Bottom Line
Maine car insurance costs are among the most affordable in the United States. Decide on your coverage needs first, research companies thoroughly, and compare quotes from multiple insurers to get the best rates.
Cost of Car Insurance in Maine: FAQ
We answer common questions about Maine car insurance costs:
How much is Maine car insurance per month?
Maine car insurance costs $37 monthly for minimum coverage and $76 for full coverage. Rates range from $32 to $310 monthly depending on your driver profile and coverage choice.
What factors affect Maine car insurance costs?
Your driving record, age and location affect your rates, with accidents, violations and younger drivers facing higher costs. Urban areas cost more than rural ones.
Why is Maine car insurance so cheap?
Maine consistently ranks among the cheapest states for car insurance, with full coverage averaging $908 annually and minimum coverage at $443. The state has one of the lowest uninsured driver rates at 4.9% and benefits from low population density and rural character. Despite requiring high minimum coverage, Maine's competitive market and favorable geographic factors maintain affordable rates.
How expensive is Maine car insurance?
With rankings of 8th for minimum coverage affordability and 2nd for full coverage, Maine stands out as one of the more budget-friendly destinations for auto insurance across the U.S.
How We Determined Maine Car Insurance Costs
We used the following profile and modifications of this profile to determine Maine auto insurance costs across all available zip codes and cities in the state:
- 40-years-old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Minimum coverage was defined as a state's minimum liability coverage and full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Maine Emergency Management Agency . "Severe Winter Storms ." Accessed August 25, 2025.
- News Center Maine . "Maine Commission Considers Public Flood Insurance Safety ." Accessed August 25, 2025.