Updated: May 30, 2026
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Where you live in Maine affects your car insurance rate, with coastal areas and urban centers costing more than rural inland communities.
You can control some cost factors right now by adjusting your coverage levels and comparing quotes from different companies to find cheaper rates immediately. Other factors like your age and location are fixed for now, but will continue to influence your premiums.
Jump to factors you can control today:
Jump to factors that are fixed (for now):
Maine drivers pay $76 per month for full coverage and $37 per month for minimum coverage. Annually, that's below the national average for full coverage and below for minimum coverage.
| Minimum Coverage | $37 | $60 | $443 | $726 |
| Full Coverage | $76 | $124 | $908 | $1,493 |
At $76 per month, Maine sits just above Vermont ($75, rank 1) as the second most affordable state for full coverage car insurance. Maine ranks second, with all other states but one, charging drivers more for coverage. Idaho follows closely behind at $79 per month, showing how Maine drivers enjoy some of the nation's lowest insurance costs.
| Vermont | $75 | $902 | 1 |
| Maine | $76 | $908 | 2 |
| Idaho | $79 | $952 | 3 |
| Florida | $243 | $2,912 | 51 |
Few Maine drivers go without insurance. Maine's relatively responsible driver behavior means uninsured motorists aren't driving up costs the way they do in other states.
Maine's winters generate thousands of weather-related claims each year, with ice storms and blizzards causing both collision and comprehensive losses. The state averages over 60 inches of snow annually, and accident frequency runs about 30% higher during winter months than summer.
Wildlife collisions add to costs, with Maine reporting more than 3,000 moose-vehicle accidents per year, according to state transportation data.
Repair costs run 15% to 20% above national averages because of limited service centers and parts availability in rural areas. The state's older driver population also affects risk calculations: drivers 65 and older make up 22% of licensed motorists in Maine, compared to 17% nationally. Rates vary between urban and rural areas (see city rates below).
Travelers offers the lowest full coverage rate in Maine at $52 per month. Auto-Owners is the priciest option at $78 per month, a $26 monthly difference. Shopping around can save Maine drivers up to $312 per year. MMG Insurance and GEICO both come in at $64 per month for drivers who want a middle-ground option. All quotes use the same driver profile, so the rate differences reflect real savings.
Read more: Cheapest and Best Car Insurance Companies in Maine
| Travelers | $28 | $52 | $339 | $627 |
| MMG Insurance | $28 | $64 | $334 | $768 |
| Geico | $33 | $64 | $398 | $773 |
| Progressive | $34 | $67 | $403 | $809 |
| Frankenmuth Insurance | $33 | $72 | $391 | $861 |
| Auto Owners | $42 | $78 | $499 | $933 |
Rates vary between companies because each insurer uses its own formula to weigh risk factors like your driving record, location, age and vehicle. A company with thousands of Maine policyholders has more claims data and prices driver profiles differently than one with a few hundred local customers. Some carriers target clean-record drivers and price aggressively for low-risk profiles. Others specialize in higher-risk drivers with accidents or violations on their record. Your cheapest option depends on how your profile fits each company's pricing model. Comparing quotes directly is the only way to find your best rate.
Coverage level is one of the main cost factors you can control right now, along with which insurance company you choose. Maine drivers pay $39 per month for minimum liability coverage alone, while adding comprehensive and collision with a $1,000 deductible brings the monthly cost to $50 — just $11 more for protection that covers damage to your own vehicle.
Lowering your deductible costs more than raising your liability limits in this state. The most expensive coverage tier costs $106 per month for minimum liability plus comprehensive and collision with a $0 deductible, making the zero-deductible option the priciest choice available.
| Minimum Liability Only | $39 | $463 |
| Min. liab. + comp/coll ($1,000 ded.) | $50 | $599 |
| Min. liab. + comp/coll ($2,000 ded.) | $65 | $777 |
| 100/300/100 liability + comp/coll ($1,000 ded.) | $79 | $950 |
| 300/500/300 liability + comp/coll ($1,500 ded.) | $82 | $989 |
| 50/100/50 liability + comp/coll ($500 ded.) | $83 | $994 |
| Min. liab. + comp/coll ($250 ded.) | $91 | $1,089 |
| Min. liab. + comp/coll ($0 ded.) | $106 | $1,270 |
Your deductible directly impacts your monthly premium cost. A higher deductible means lower monthly payments, while a lower deductible increases your monthly rate. You'll only pay the deductible amount when filing a claim for comprehensive or collision coverage.
Maine requires drivers to carry minimum liability coverage of 50/100/25, which means $50,000 in bodily injury coverage per person, $100,000 per accident and $25,000 in property damage coverage per accident. You also have to have underinsured/uninsured motorist and MedPay. This minimum coverage protects others when you cause an accident, but doesn't cover damage to your own vehicle.
For example, the policy titled "100/300/100 liability + comp/coll ($1000 ded.)" breaks down as:
Learn more about types of car insurance coverages and how much car insurance you need to find the right protection level for your situation.
Drivers in Lewiston pay the most for full coverage car insurance in Maine at $85 per month, 12% above the state average of $76. Auburn is the second most expensive city at $79 per month. Biddeford has the lowest rates at $72 per month, and Westbrook is close behind at $74. The $13 monthly difference between the most and least expensive cities among Maine's 10 largest adds up to $156 per year.
| Lewiston | $85 | $44 |
| Auburn | $79 | $38 |
| Augusta | $78 | $38 |
| Sanford | $77 | $38 |
| Portland | $76 | $37 |
| South Portland | $75 | $37 |
| Saco | $74 | $36 |
| Bangor | $74 | $37 |
| Westbrook | $74 | $36 |
| Biddeford | $72 | $36 |
Lewiston's dense urban traffic and higher accident frequency along busy corridors like Lisbon Street put full coverage rates at $85 per month, the highest among Maine's largest cities. Biddeford's smaller size and less congested roads bring rates down to $72 per month. That $13 monthly difference adds up to $156 per year.
Adding a 16-year-old to a family policy in Maine costs an average of $3,248 per year. Maine doesn't allow insurers to use gender when setting prices, so only age affects rates. Teen drivers pay the same rate regardless of gender.
Staying on a family policy saves a 16-year-old $1,415 per year over individual coverage, which runs $4,663 annually. Rates drop steadily through the early 20s and level off around age 25.
| 16 | $4,663 | $3,248 |
| 17 | $4,060 | $3,112 |
| 18 | $3,584 | $2,929 |
| 19 | $2,945 | $2,806 |
| 20 | $2,680 | $2,665 |
| 21 | $1,956 | $2,318 |
| 22 | $1,824 | $2,219 |
| 23 | $1,700 | $2,127 |
| 24 | $1,576 | $2,055 |
| 25 | $1,333 | $1,782 |
Your driving record is fixed in the short term, but violations don't last forever. Drivers with a clean record pay $79 per month for full coverage in Maine, while a speeding ticket pushes that cost to $99 per month. This 25% increase costs Maine drivers an extra $243 per year. Most violations affect rates for three to five years in Maine, though the timeframe varies by violation type.
A DUI conviction creates the steepest premium jump at $166 per month, representing a 110% increase that costs $1,037 more per year compared to a clean record. Violations raise rates because they signal higher risk to insurers, who respond by increasing premiums to offset potential claims costs. Drivers facing serious violations may need to file an SR-22 form to maintain their driving privileges.
| Clean Record | $79 | $950 | — |
| Accident (not at fault) | $83 | $999 | 5% |
| Speeding | $99 | $1,193 | 25% |
| Accident (at fault) | $111 | $1,334 | 41% |
| Texting While Driving | $121 | $1,451 | 53% |
| DUI | $166 | $1,987 | 110% |
Multiple violations narrow your insurer options in Maine and can push you into the high-risk category, where carriers charge higher premiums. Drivers in this situation have fewer willing insurers and rates that climb steeply compared to those with clean records.
Maine allows insurers to use credit-based scoring; the premium gap between good and poor credit is $235 per month for full coverage. Drivers with excellent credit pay $75 monthly, while those with poor credit have $310 monthly premiums. This 313% increase costs Maine drivers an extra $2,820 annually.
Raising your credit score is one of the more reliable ways to lower your premium over time. Good credit drivers in Maine pay $75 per month for full coverage, compared to $310 for bad credit, a $235 monthly difference.
| Good Credit | $37 | $75 |
| Bad Credit | $153 | $310 |
| Difference | $116 | $235 |
Choosing a Ford F-150 over a Tesla Model Y saves Maine drivers $684 per year on full coverage. Full coverage costs $82 per month for a Ford F-150, $139 for a Tesla Model Y and $86 for a Honda Civic.
Electric vehicles cost more to insure because parts and specialized repairs are more expensive than for conventional cars. The Tesla Model Y's $139 monthly rate reflects the cost of replacing batteries, sensors and proprietary components that require specialized technicians.
| Ford F-150 | $40 | $478 | $82 | $989 |
| Honda Civic | $41 | $497 | $86 | $1,028 |
| Honda Accord | $43 | $519 | $89 | $1,073 |
| Toyota Camry | $45 | $543 | $94 | $1,125 |
| Toyota Prius | $46 | $556 | $96 | $1,152 |
| Toyota Rav4 | $48 | $574 | $99 | $1,192 |
| Tesla Model 3 | $57 | $687 | $119 | $1,431 |
| Tesla Model Y | $67 | $801 | $139 | $1,672 |
Your city, age, driving record and coverage level each affect what you pay for car insurance in Maine. Any one of them can shift your annual premium by hundreds of dollars.
Maine car insurance averages $37 per month for minimum coverage and $76 for full coverage. Your actual rate depends on your driving record, age, credit score and coverage choices.
Maine's low rates are for a few reasons. The state has no notable litigation cost pressure, unlike Louisiana or Kentucky, where lawsuit-friendly environments inflate settlements. Population density is low, meaning less traffic and fewer claims. Maine also prohibits gender-based pricing, removing a common surcharge factor. And with six insurers competing within a $26 monthly range, market competition keeps rates in check.
We used this profile to determine auto insurance costs across all available ZIP codes and cities in Maine:
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
