Average Cost of Car Insurance in Maine for 2026

Full coverage car insurance in Maine costs an average of $76 per month and minimum coverage costs an average of $37 per month, both well below the national figures of $124 and $60. The $48 monthly difference between Maine and the national full coverage average is bigger than the difference between Maine’s cheapest and most expensive companies, which is $26 per month. 

Several factors affect car insurance costs. In Maine, location does much of the cost work before a driver even picks an insurer. Driving record, age and coverage level also determine where within Maine’s range your premiums land. Some of these factors are fixed for now, but you can immediately adjust your coverage level and insurer choice.

Maine car insurance rates range from $39 per month for state minimum liability to $106 a month for minimum liability with a $0 deductible on comprehensive and collision. A standard full coverage ($100,000/$300,000/$100,000 liability limits) with a $1,000 deductible averages $133 a month.

Lowering your deductible costs more than raising your liability limits in Maine. Moving from 100/300/100 liability ($79/month) to 300/500/300 liability ($82/month) adds $3 per month. A deductible reduction from $1,000 to $250 on minimum coverage adds $41 per month ($91 vs $50).

Lewiston averages $85 per month for full coverage and Biddeford costs $72. That’s a $13 monthly difference that adds up to $156 per year based on where you live.

Lewiston's dense urban traffic and higher accident frequency along busy corridors like Lisbon Street drive full coverage to $85 per month. Biddeford's smaller size and less congested roads bring the rate to $72. If your quote is above your city's average for a clean-record driver, the insurer is the variable to address and not your coverage level.

While where you live matters in Maine, the company you choose matters more. The difference between Maine’s cheapest company (Travelers at $52) and its most expensive (Auto-Owners at $78) is $26 monthly. This is two times more than the difference by location.

Age and gender affect car insurance costs in Maine. A 40-year-old with a clean record pays $76 per month. Adding a 16-year-old male to a family policy in Maine costs $1,949 per year. A 16-year-old female pays an average of $1,743,  $206 less.

Drivers under 18 can’t legally get individual coverage, so a family policy is the only option for the youngest teens. Family plans hold the cost advantage through the early 20s. Around age 21, individual policies from certain companies start pricing at or below the family plan cost. At that point, getting a standalone quote is worth the comparison.

Maine penalizes drivers for accidents they didn’t cause. A not-at-fault accident increases the average monthly rate by $4 for full coverage, from $79 to $83. An at-fault accident adds $32 per month ($384 per year). Those with a driving under the influence (DUI) on their records pay $87 more per month ($1,037 per year).

Violations often affect rates for three to five years. Drivers with serious violations may also need to file an SR-22 in Maine to maintain driving privileges. Re-shopping at the three-year mark can help you find savings before an insurer offers a reduction automatically.

Maine drivers with poor credit pay $235 more per month for full coverage than those with good credit ($310 versus $75). That $235 monthly difference equals $2,820 more per year, larger than three full years of Travelers' minimum coverage premium ($339 per year). Maine fully permits credit-based pricing, and no state law restricts its use. Improving your credit score is one of the few rate reductions available without changing coverage or switching companies.

Car insurance costs vary by vehicle. Full coverage on a Tesla Model Y ($139) costs $57 more per month than the same coverage on a Ford F-150 in Maine ($82). That $684 annual EV premium exceeds the total annual minimum coverage cost of a Ford F-150 ($478 per year).

The Tesla Model Y's battery, sensors, and proprietary components require specialized technicians, and Maine's rural repair network raises costs further: repair costs in the state run 15% to 20% above national averages due to limited service centers and parts availability. A Maine driver paying $139 per month for a Model Y would pay $57 less on an F-150 or $43 less on a Honda Civic.

There are seven factors insurers commonly use when calculating car insurance rates in Maine. Of these, your credit score and the company you choose are the two largest rate drivers.

The cheapest car insurance in Maine is from the company whose pricing model best fits your driver profile. A clean-record driver finds different best car insurance companies in Maine than one with a recent at-fault accident. Comparing quotes from at least three insurers is the only way to find your rate, since each company weighs Maine's risk factors differently.

We used this profile to determine auto insurance costs across all available ZIP codes and cities in Maine:

• 40 years old
• Clean driving record
• Good credit
• 2012 Toyota Camry LE

Sections on cost by age and driving record use rates for those driver profiles, with all other factors held constant.

Minimum coverage is a state's minimum liability coverage. Full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.