Best Car Insurance in Maine (2026 Picks)

Top Rated Car Insurance Companies in Maine

The top-rated car insurance companies in Maine are:

Best Overall and Best for Young Drivers or Those With a Violation: Travelers
Best for Drivers With Low Income or Bad Credit: MMG
Best Cheap for Drivers With a Speeding Ticket: GEICO

Why You Can Trust MoneyGeek

MoneyGeek's proprietary methodology identified Maine's best car insurance by researching over 70 companies and analyzing actual quotes, verified customer reviews from trusted sources like J.D. Power, and coverage details. Our ratings prioritize what matters most: affordability (60%), customer experience (30%), and coverage options (10%).

Best Car Insurance Companies in Maine

Travelers is the best car insurance company in Maine, with a 4.8 out of 5 MoneyGeek score. It excels in affordability, customer service and coverage options.

Travelers offers Maine's most affordable rates. Drivers with clean records pay $54 monthly for full coverage, which runs 14% below state averages.

MMG earns top marks for drivers with low income or bad credit, combining competitive affordability with strong local presence. Progressive leads in coverage options with a 4.9 score, providing the state's most extensive policy customization.

Our recommendations provide a starting point, but your age, driving record and coverage needs determine which provider offers the best value. Compare these top companies to find the insurer that best fits your profile.

Data filtered by:


Travelers	4.80	$54	5.00	4.60	4.10
Auto Owners	4.40	$71	4.20	5.00	3.60
Progressive	4.40	$66	4.40	4.00	4.90
MMG Insurance	4.20	$64	4.60	4.10	2.90
Geico	4.20	$61	4.70	3.70	3.30

*The rates above are based on a male driver insuring a 2012 Toyota Camry with good credit.

How much does car insurance in Maine cost?

How much car insurance do I need in Maine?

Best Overall Insurer in Maine: Travelers

Travelers

Best Overall and Best for Young Drivers or Those With a Violation

MoneyGeek Rating

4.4/ 5

4.4/5Affordability

4/5Customer Experience

4.9/5Coverage Points

Average Monthly Full Coverage Cost
$52
Average Monthly Minimum Coverage Cost
$28
Agent Service Score
4.2/5
Most Unique Coverage Add-On
IntelliDrive Plus Program

pros
- Ranks first overall among Maine car insurance providers
- Ranks first in affordability for Maine drivers
- Ranks second in customer experience and service quality
- Best choice for budget-conscious Maine drivers seeking value
cons
- Limited selection of specialty add-on coverage options
- May cost more for drivers with complex insurance needs
- Coverage customization options lag behind some competitors
Travelers earns MoneyGeek's highest score (4.8 out of 5) among Maine insurers. The company ranks first in affordability while maintaining strong customer service ratings and solid coverage options.

Travelers offers competitive rates for both clean-record drivers and those with violations. Maine drivers get comprehensive coverage at rates 14% below the state average, saving about $109 annually.
Travelers' monthly premiums range from $27 for minimum coverage to rates varying by driver profile for full coverage. Most drivers with clean records pay $45 to $65 monthly for full coverage. Young drivers pay $150 to $300 monthly.

These rates run 14% below Maine averages, saving drivers about $109 annually.

Travelers offers additional savings through its IntelliDrive program (up to 30% off based on driving habits) and bundling discounts (12% to 25% off when combining home and auto policies).
Travelers scores 4.6 out of 5 for customer satisfaction. The company processes standard claims within seven to 10 business days. Customer service runs 24/7 at 800-842-8371 with average wait times under three minutes.

The mobile app handles claims filing, policy management and ID card access. You can file claims, upload photos and track repair progress through the app. Travelers maintains agents throughout Maine who understand regional challenges like winter weather conditions.
Travelers scores 4.1 out of 5 for coverage options. Comprehensive, collision, liability, uninsured/underinsured motorist and medical payments coverage form the foundation. Policy limits run from Maine's minimums (50/100/25) to 250/500/100. Deductibles flex from $250 to $2,000.

Coverage options include:
- IntelliDrive Plus: App tracks driving, discounts based on safe habits
- Accident forgiveness: First at-fault crash won't spike rates after qualifying period
- New car replacement: Full cost for vehicles under one year old totaled in crashes
- Rental reimbursement: Daily coverage when your car's in the shop
- Roadside assistance: 24/7 towing, battery, fuel and lockout help

Best Drivers with Low Income in Maine: State Farm

MMG Insurance

Best for Drivers With Low Income or Bad Credit

MoneyGeek Rating

4.2/ 5

4.6/5Affordability

4.1/5Customer Experience

2.9/5Coverage Points

Average Monthly Full Coverage Cost
$64
Average Monthly Minimum Coverage Cost
$28
Agent Service Score
4.6/5
Most Unique Coverage Add-On
Equipment Breakdown

pros
- Ranks second in Maine for affordability among major insurers
- Best option for drivers with low income or bad credit
- Strong customer service experience ranking third statewide
- Competitive rates for minimum coverage requirements
cons
- Limited coverage options compared to larger national insurers
- Fewer digital tools and mobile app features available
MMG earns a 4.2 out of 5 MoneyGeek score with strong performance in affordability and customer experience. The regional insurer focuses on serving Maine drivers with competitive rates and personalized local service.

MMG ranks second in Maine for affordability among major insurers. The company provides strong customer service through local agents who understand Maine's unique driving challenges, from harsh winter conditions to rural road networks.
MMG offers competitive rates for Maine drivers. Adult drivers pay $64 monthly for full coverage. State minimum coverage costs $28 monthly.

Clean-record adults pay $55 to $75 monthly for full coverage. Rates remain competitive for drivers with credit challenges, making MMG attractive for budget-conscious Maine residents.

Multi-policy bundles save around 10% to 15%. Good student discounts and safe driving programs provide additional savings for qualifying drivers.
Customer experience scores 4.1 out of 5, supported by MMG's network of local agents throughout Maine. The regional focus provides personalized service for drivers who prefer face-to-face interactions. Claims processing runs seven to 10 business days on average.

Local agents understand Maine-specific risks like winter weather damage and rural driving conditions. Round-the-clock claims reporting works through phone support or your local agent's office. Agents handle complex claims and policy questions directly.
Coverage options score 2.9 out of 5, reflecting MMG's focus on essential protections rather than extensive add-ons. Coverage includes comprehensive, collision, liability, uninsured/underinsured motorist and medical payments. Policy limits run from Maine's minimums (50/100/25) to higher levels based on individual needs.

Add-on options:
- Equipment breakdown: Coverage for mechanical failures
- Rental car reimbursement: Daily coverage during repairs
- Roadside assistance: Standard towing and emergency services
- Custom equipment coverage: Protection for vehicle modifications

Best Insurer for Drivers with a Speeding Ticket: GEICO

GEICO

Best Cheap for Drivers With a Speeding Ticket

MoneyGeek Rating

4.2/ 5

4.7/5Affordability

3.7/5Customer Experience

3.3/5Coverage Points

Average Monthly Full Coverage Cost
$64
Average Monthly Minimum Coverage Cost
$33
Agent Service Score
4.2/5
Most Unique Coverage Add-On
Mechanical Breakdown Insurance

pros
- Ranks third in Maine for affordability among major insurers
- Best option for drivers with speeding tickets
- Strong mobile app with digital claims processing
- Backed by Berkshire Hathaway for financial stability
cons
- Customer experience ranks lowest among top Maine providers
- Limited coverage options compared to competitors
GEICO earns a 4.2 out of 5 MoneyGeek score and ranks as the best option for drivers with speeding tickets. The company combines strong affordability with reliable digital tools and nationwide financial stability.

GEICO's competitive rates for drivers with violations make it attractive for Maine residents rebuilding their driving record. The company's straightforward coverage approach and efficient claims processing work well for drivers seeking reliable protection.
GEICO offers competitive rates for drivers with speeding tickets in Maine. Adult drivers pay $61 monthly for full coverage. State minimum coverage costs $33 monthly.

Clean-record adults pay $55 to $70 monthly for full coverage. Drivers with speeding violations pay competitive rates compared to other major insurers.

Multi-policy bundles save up to 10%. Military discounts, good student discounts and defensive driving courses provide additional savings. GEICO's federal employee discount offers further reductions for qualifying drivers.
Customer experience scores 3.7 out of 5. GEICO operates primarily through digital channels with phone support available 24/7. Claims processing runs seven to 10 business days on average.

The mobile app provides policy management, claims filing and ID card access. Digital claims processing allows you to file claims, upload photos and track progress through the app. Phone support at 800-861-8380 handles complex questions and claims.
Coverage options score 3.3 out of 5. Core options include comprehensive, collision, liability, uninsured/underinsured motorist and medical payments. Policy limits run from Maine's minimums (50/100/25) to 250/500/100. Deductibles range from $250 to $2,000.

Coverage options:
- Mechanical breakdown insurance: Extended coverage for vehicle repairs beyond warranty
- Rental reimbursement: Daily coverage while your car's repaired
- Roadside assistance: 24/7 towing, battery and lockout service
- Accident forgiveness: Available after qualifying period without at-fault accidents

How to Find the Best Car Insurance in Maine

Finding the best car insurance in Maine requires more than just clicking the first online quote you see. Your ideal coverage balances cost, protection and service quality, and that mix varies for every driver.

1
Understand Maine's insurance requirements
Before comparing car insurance quotes in Maine, know what the state requires: $50,000 bodily injury coverage per person, $100,000 per accident and $25,000 property damage coverage. Maine also requires uninsured motorist coverage at $50,000 per person and $100,000 per accident. Medical payments coverage becomes mandatory if you decline higher uninsured/underinsured motorist limits.

Most drivers need more than these minimums. If you own substantial assets or finance your vehicle, your lender will require comprehensive and collision coverage.

Think about what you're protecting. A 12-year-old sedan with high mileage probably doesn't need collision coverage. Skipping comprehensive on a $30,000 vehicle could cost you thousands in one incident.
2
Research average costs
Full coverage car insurance in Maine costs $800 to $1,200 per year. Your actual rate depends on your age, driving history, credit score, location and vehicle.

Use this range as a baseline. Quotes over $1,800 annually for basic coverage with a clean record indicate you're probably overpaying.

Your ZIP code affects your rate; urban areas cost more. So do your vehicle's safety ratings, annual mileage and even your education level with some insurers.
3
Find discounts you qualify for
Maine drivers can tap into several car insurance discounts. Bundling multiple policies often saves up to 25%. Good student discounts reward young drivers who maintain B averages.

Defensive driving courses approved by Maine BMV can lower your premium 5% to 15%. Usage-based insurance programs track your actual driving habits. Ask about vehicle safety discounts if your car has anti-theft systems, airbags or electronic stability control.
4
Compare insurance companies, not just prices
Affordable car insurance means more than finding the lowest premium. A $45 monthly policy with minimal coverage and poor claims handling isn't cheaper than a $60 policy from an insurer known for fast, fair settlements.

Read customer reviews about claims experiences. Check financial stability ratings from AM Best. Look at coverage options. GEICO leads Maine insurers in affordability while maintaining strong customer service ratings.
5
Compare quotes through multiple means
Get car insurance quotes from at least three to five companies. Use direct insurer websites, independent agents and online comparison tools.

Independent agents often access regional insurers not available through comparison sites. Central Mutual and The Hartford, for example, work primarily through local agents.

Provide the same information to every insurer. Otherwise, you're comparing different products instead of finding the best price for identical coverage.
6
Review your policy every year
Car insurance prices change constantly. Companies update rates and underwriting standards throughout the year. Set a calendar reminder to review your coverage and get new quotes annually. Last year's best deal might not be competitive today.

Life changes impact your rates, too. Buying a home, paying off your car loan, adding a young driver or moving all affect what you pay. Many drivers overpay by keeping coverage they no longer need or by failing to switch car insurance companies.

Best Car Insurance Coverage in Maine

State minimums often don't provide enough financial protection for real accident costs. Maine ranks as the 2nd safest state nationally for traffic safety, yet winter weather conditions create unpredictable driving hazards.

An emergency room visit costs about $1,233 on average nationwide. A serious trauma case at a Portland or Bangor hospital costs $35,000 to $50,000. Vehicle repairs after moderate collisions usually run over $10,000.

Minimum coverage won't cover you if you cause an accident that injures multiple people on I-95 or Route 1. Lawsuits will drain your savings and garnish your wages.

Maine's 12.9 traffic deaths per 100,000 residents exceeds the national average, while the state's 4.9% uninsured driver rate means roughly 30,000 drivers operate without required coverage. These factors make robust liability coverage and uninsured motorist protection valuable for Maine drivers.

MoneyGeek recommends these coverage levels for Maine drivers:

Liability: 100/300/100 ($100,000 per person, $300,000 per accident, $100,000 property damage) costs just $10 to $20 more monthly than state minimums and covers most Maine drivers adequately.

Drivers with substantial assets (homeowners, business owners or high earners) should choose 250/500/100 limits. This costs $25 to $40 more monthly than minimums but covers your assets if you cause a serious accident. Maine's above-average traffic fatality rate makes higher liability limits worth the cost.

Comprehensive and Collision: Add full coverage if your vehicle is worth more than $4,000 or carries a loan. Choose $500 or $1,000 deductibles based on your emergency savings—a $500 deductible costs $20 to $30 more monthly than $1,000 but lowers your out-of-pocket costs after incidents.

Comprehensive coverage matters in Maine, where harsh winter weather causes thousands of vehicle damage incidents annually. Collision coverage protects you in heavy traffic areas like Portland and tourist destinations such as Kennebunkport and Bar Harbor during peak summer season when accident rates climb.

Uninsured/Underinsured Motorist: Maine requires this coverage, but you should match these limits to your liability coverage. With roughly 30,000 uninsured drivers on Maine roads (4.9% of all motorists), higher protection becomes essential when at-fault drivers can't pay for your damages. Underinsured coverage fills gaps when responsible parties carry only minimum limits insufficient for your medical bills and vehicle repairs.

Medical Payments: $5,000 to $10,000 covers immediate medical expenses after accidents regardless of fault. In Maine, this coverage pays quickly without waiting for liability determinations. You avoid out-of-pocket costs while claims work through the state's insurance system.

Medical payments coverage costs $5 to $10 monthly for $5,000 in coverage, which is worth it given Maine's challenging driving conditions.

Additional Coverage to Consider: Rental reimbursement ($30 to $50 daily) covers transportation costs while your car is in the shop. Roadside assistance provides towing, battery service and lockout help for $15 to $25 annually.

Gap insurance matters if you owe more on your vehicle loan than the car's current value. It protects you from paying thousands out of pocket if your financed vehicle gets totaled.

Finding the Best Car Insurance Rates in Maine

Maine's competitive insurance market keeps car insurance rates affordable for most drivers. State minimum coverage costs just $32 monthly, ranking Maine fifth nationally for affordable basic coverage.

Full coverage runs $31 more monthly than the state minimum. Average premiums hit $63 monthly for full coverage with a $1,000 deductible, 52% below the national average.

Compare your quotes with these averages using the table or our Maine car insurance calculator.

Data filtered by:


Clean	$32	$63	1
Not At Fault Accident ($1000-$1999 Prop Dmg)	$33	$65	2
Speeding 11-15 MPH over limit	$39	$79	4
Texting While Driving	$41	$81	3
At Fault Accident ($1000-$1999 Prop Dmg)	$46	$90	7
DUI - BAC >= .08	$49	$100	10

HOW VIOLATIONS AFFECT YOUR RATES IN MAINE

DUI violations elevate Maine car insurance premiums with a 58% spike and mandatory SR-22 filing requirements. At-fault accidents follow closely, raising rates 42% and adding $27 monthly to full coverage policies. Texting while driving increases premiums 28%, costing drivers an extra $18 per month.

Best Maine Auto Insurance: Bottom Line

Travelers ranks first for most Maine drivers with a 4.8 overall score, balancing competitive rates ($54 monthly full coverage), customer service and coverage options. Your priorities determine the best choice: MMG excels for drivers with low income or credit challenges through personalized local service, and GEICO offers competitive rates for drivers with speeding tickets.

Compare quotes from at least three insurers. Your age, driving record and coverage needs determine which company offers the best value, as rates vary widely by driver profile.

Best Auto Insurance in Maine: FAQ

Finding suitable car insurance depends on your unique circumstances. Common insurance questions reveal key factors that guide your coverage decisions.

What do I need to get car insurance in Maine as a new resident?

New Maine residents need a valid driver's license, vehicle registration and VIN for each vehicle. Most insurers require your Social Security number to check your credit score, which affects your rate.

You must get coverage within 30 days of establishing residency. You'll also need to provide your five-year driving history, including any accidents and violations.

Transferring from another state? Update your existing policy to meet Maine's minimum requirements, which include mandatory uninsured motorist coverage and medical payments coverage.

Can I drive in Maine with out-of-state insurance?

You can drive temporarily with valid out-of-state insurance. If you establish residency (get a job, register to vote or stay more than six months), you must get Maine insurance within 30 days.

Your out-of-state policy must meet Maine's minimum requirements, including uninsured motorist coverage and medical payments coverage. Military members stationed in Maine can keep their home-state insurance but should verify that their policy meets state standards.

What happens if I get caught driving without insurance in Maine?

Driving without insurance results in immediate license suspension and civil penalties ranging from $100 to $500. First-time offenders also pay a $50 license reinstatement fee. Subsequent offenses within three years increase penalties substantially. You'll need SR-22 certification for three years, substantially increasing insurance costs. If you cause an accident while uninsured, you're personally liable for all damages and medical expenses with no insurance protection.

How do I switch car insurance companies in Maine?

Purchase your new policy before canceling coverage to avoid gaps that trigger license suspension. Start your new policy the same day or the day after your old policy ends. Request cancellation in writing from your current insurer with your policy number and cancellation date. Most Maine insurers don't charge cancellation fees for policies over six months old. You'll receive prorated refunds for any unused coverage paid in advance.

Does Maine offer car insurance discounts for military members?

Most Maine insurers offer military discounts ranging from 4% to 15% for active-duty members, veterans and military spouses. USAA, GEICO, Armed Forces Insurance and Navy Federal specialize in military coverage. Ask about storage discounts during deployment, emergency payment extensions, military defensive driving course discounts and waived deductibles for vehicles damaged during deployment.

How We Rated the Best Car Insurance in Maine

We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Maine. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.

Here's how we score each company:

Affordability (60%): We looked at quotes for different driver profiles and compared rates within Maine. Our main rating is based on a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also checked other combinations to ensure you find the right fit.
Customer experience (30%): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Maine-specific feedback to get an accurate score.
Coverage options (10%): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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