Our analysis of rates and coverage across Maine found that no one company wins for every driver. The best car insurance in Maine varies depending on your driver profile, location, and what you need from a policy.
Best Car Insurance in Maine for 2026
Updated: June 3, 2026
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Our Experience Reviewing Maine's Top Car Insurers
Travelers: Best Overall in MaineTravelers has the highest MoneyGeek score in Maine at 4.78/5. Its full coverage policy costs an average of $54/month, 31% below the state average of $78/month and the lowest rate in the top five. Travelers ranks first for affordability and second for customer experience among the top five, but is fourth for coverage options. Drivers who want the widest selection of add-ons may find more options elsewhere.
Auto-Owners: Best for Customer ExperienceAuto-Owners, with a MoneyGeek score of 4.41 out of 5, ranks second in Maine. For the customer experience category, the carrier ranked first. No other option in Maine's top five beats it for claims handling and service. But Auto-Owners has the most expensive rates among the top five carriers. Its full coverage averages $71/month, a $17 difference from Travelers' $54/month.
Progressive: Best for Coverage OptionsAt $66/month for full coverage, Progressive ranks fourth for affordability among clean-record adult drivers in Maine's top five. For drivers with an operating under the influence (OUI) conviction, the carrier has the lowest full coverage rate in the top five at $86/month. Progressive places second for coverage options, with its add-on lineup including gap insurance and rideshare endorsements. Customer experience is a tradeoff, as it ranks fourth among the top five on that measure.
MMG: Best Regional ValueThe lowest minimum coverage rate in Maine's top five is from MMG at $27/month, 29% below the state average of $38/month. The Maine-based carrier ranks third in customer experience and brings local market knowledge. Coverage lineup is limited, and MMG ranks seventh among all rated carriers in the state. Drivers who need specialty add-ons will find more at Progressive or Travelers.
GEICO: Best for Nationally Recognized ServiceGEICO ranks fifth in Maine with a 4.22/5 MoneyGeek Score and second for affordability. Full coverage costs $61/month on average, 22% below the state average of $78/month. Minimum coverage averages $32/month. Drivers who want online-first policy management can use GEICO's digital tools and nationwide service network. Those who expect better claims service should consider other carriers, like Auto-Owners or MMG, instead. GEICO ranks eighth in customer experience among all ranked Maine carriers, the lowest in the top five.
Best Car Insurance Companies in Maine: Scores and Methodology
| Travelers | 4.78 | 1 | 2 | 4 |
| Auto Owners | 4.41 | 5 | 1 | 5 |
| Progressive | 4.36 | 4 | 4 | 2 |
| MMG Insurance | 4.24 | 3 | 3 | 7 |
| GEICO | 4.22 | 2 | 8 | 6 |
Why You Can Trust MoneyGeek's Maine Ratings
MoneyGeek evaluated insurance companies in Maine, including national carriers and Maine regional insurers. Rankings combine rate analysis, customer feedback, and coverage assessments across three weighted factors. MoneyGeek doesn't receive compensation tied to which companies rank highest. Rate data comes from Quadrant Information Services, which sources actual insurance filings across every ZIP code.
Affordability (60%)
Rate quotes were gathered for multiple driver profiles using a baseline 40-year-old male driver with good credit, a clean driving record, and no prior claims. Quotes covered full coverage at 100/300/100,000 limits with a $1,000 comprehensive and collision deductible, plus state-minimum coverage. Additional quotes covered young drivers and senior drivers. Driver profiles with violations were also tested, including OUI convictions, at-fault accidents, and speeding tickets, to measure how each carrier prices each category. Affordability scores reflect the carrier's performance across all of these driver profiles, with a baseline adult-driver clean-record rate weighted most heavily.
Customer experience (30%)
Customer satisfaction data was compiled from J.D. Power studies (including the 2025 U.S. Auto Insurance Study and the 2025 U.S. Auto Claims Satisfaction Study), AM Best financial strength ratings, and multi-platform review aggregation. NAIC complaint indexes also feed the composite score. J.D. Power scores shown in each carrier section are one input to the composite, not the full ranking.
Coverage options (10%)
Coverage scoring measures each provider's range of coverage types and Maine-specific add-on availability. Standard coverages (bodily injury liability, property damage liability, uninsured/underinsured motorist, medical payments / PIP, comprehensive, collision) are included in the baseline score. Add-on coverages weighted in the score include accident forgiveness, new car replacement, rideshare endorsements, gap insurance, custom parts coverage, mechanical breakdown insurance, and pay-per-mile or telematics-based programs. Coverages restricted or unavailable under state law are excluded from the score for all carriers.
*Rates and rankings on this page reflect a 40-year-old male driver with good credit and a clean record. Full coverage rates use 100/300/100,000 liability limits with a $1,000 comprehensive and collision deductible. Minimum coverage rates use Maine's mandatory 50/100/25 liability limits plus the state-mandated $2,000 MedPay minimum, without comprehensive or collision.
**USAA is excluded from all rankings because it is available only to military members and their families, which limits its accessibility for most readers.
Similar scores can reflect different strengths in Maine:
- Travelers (4.78/5) and Auto-Owners (4.41/5) rank first and second for customer experience, but Travelers costs $17/month less for full coverage. That difference adds up to $204 per year.
- Add-on selection is where Progressive (4.36/5) and MMG (4.24/5) diverge, despite a 0.12-point difference in MoneyGeek scores. Progressive ranks second for coverage options, while MMG ranks seventh. Drivers who need gap insurance or rideshare coverage will find more options at Progressive.
- GEICO (4.22/5) and MMG (4.24/5) are nearly tied, with only 0.02 points separating them. The difference is based on subcategories. MMG ranks third for customer experience, GEICO ranks eighth. GEICO is second for affordability among clean-record adult drivers, while MMG ranks third.
WHAT'S DIFFERENT ABOUT CAR INSURANCE IN MAINE
Maine's minimum coverage requirements are higher than most states. Drivers must carry 50/100/25 liability, meaning $50,000 per person, $100,000 per accident, and $25,000 in property damage, with uninsured and underinsured motorist (UM/UIM) coverage at matching limits and $2,000 in medical payments coverage (MedPay). Only two other states require MedPay: New Hampshire and Pennsylvania.
Best Maine Car Insurance Company Ratings
Travelers
Best Overall in Maine
MoneyGeek Rating
4.8/ 5
4.9/5Affordability
4.6/5Customer Experience
4.1/5Coverage Options
Average Monthly Full Coverage Rate
$54Average Monthly Minimum Coverage Rate
$29J.D. Power Auto Insurance Study Score
622
Auto-Owners
Best for Customer Experience
MoneyGeek Rating
4.4/ 5
3.8/5Affordability
4.8/5Customer Experience
3.9/5Coverage Options
Average Monthly Full Coverage Rate
$71Average Monthly Minimum Coverage Rate
$39J.D. Power Auto Insurance Study Score
Not Rated
Progressive
Best for Coverage Options
MoneyGeek Rating
4.4/ 5
4.1/5Affordability
4/5Customer Experience
4.9/5Coverage Options
Average Monthly Full Coverage Rate
$66Average Monthly Minimum Coverage Rate
$33J.D. Power Auto Insurance Study Score
582
MMG Insurance
Best Regional Value
MoneyGeek Rating
4.2/ 5
4.5/5Affordability
4.1/5Customer Experience
2.9/5Coverage Options
Average Monthly Full Coverage Rate
$64Average Monthly Minimum Coverage Rate
$27J.D. Power Auto Insurance Study Score
Not Rated
GEICO
Best for Nationally Recognized Service
MoneyGeek Rating
4.2/ 5
4.7/5Affordability
3.9/5Customer Experience
3.3/5Coverage Options
Average Monthly Full Coverage Rate
$61Average Monthly Minimum Coverage Rate
$32J.D. Power Auto Insurance Study Score
639
Rates at Maine's Best Car Insurance Companies
Maine car insurance rates vary by carrier, driver profile and the type of coverage. Full coverage state average is $78/month, 64% below the national average of $216/month. Maine has a high rate of moose and deer collisions, which raises comprehensive coverage premiums higher than the state's otherwise low-cost profile would suggest. Full and minimum coverage rates for each top-rated carrier are in the table below.
$54 | $29 | 31% | |
$71 | $39 | 9% | |
$66 | $33 | 15% | |
MMG Insurance | $64 | $27 | 18% |
$61 | $32 | 22% | |
Maine State Average | $78 | $38 | — |
National Average | $216 | $61 | — |
At $38/month, Maine's minimum coverage state average is 38% below the national minimum average of $61/month. Maine is among the most affordable states for car insurance.
Travelers is the cheapest among Maine's highest-ranked carriers at $54/month for full coverage, $24/month below the state average and $288 less per year. Drivers can use our Maine car insurance calculator to estimate rates based on driver profile and coverage selection.
Coverage Options at Maine's Best Car Insurance Companies
Maine's mandatory coverage limits are higher than most states. Every driver must carry at least 50/100/25 bodily injury liability plus uninsured motorist coverage at the same 50/100 limits, and $2,000 in medical payments coverage (MedPay) per person. Maine is one of only three states to mandate MedPay. The other two are New Hampshire and Pennsylvania. The table below shows which types of coverage each top-five carrier offers.
Bodily injury liability | ✓ | ✓ | ✓ | ✓ | ✓ |
Property damage liability | ✓ | ✓ | ✓ | ✓ | ✓ |
✓ | ✓ | ✓ | ✓ | ✓ | |
✓ | ✓ | ✓ | ✓ | ✓ | |
✓ | ✓ | ✓ | ✓ | ✓ | |
✓ | ✓ | ✓ | ✓ | ✓ | |
Roadside assistance | ✓ | ✓ | ✓ | ✓ | ✓ |
Rental reimbursement | ✓ | ✓ | ✓ | ✓ | ✓ |
Accident forgiveness | ✓ | ✓ | ✓ | ✗ | ✓ |
New car replacement | ✓ | ✗ | ✗ | ✗ | ✗ |
Rideshare coverage | ✗ | ✗ | ✓ | ✗ | ✓ |
Gap insurance | ✗ | ✗ | ✓ | ✗ | ✗ |
Custom parts coverage | ✓ | ✗ | ✓ | ✗ | ✗ |
Coverage total | 10/13 | 9/13 | 11/13 | 7/13 | 9/13 |
Maine averages more than 200 moose and 6,000 deer collisions per year. That collision volume makes comprehensive coverage worth carrying for most drivers, not just those financing a vehicle. All five top-ranked Maine carriers offer comprehensive coverage as a standard add-on.
Maine requires uninsured motorist coverage at matching liability limits of 50/100, and drivers must reject higher UM/UIM limits in writing to carry less. All five top-ranked carriers include standard UM/UIM at the required limits. Progressive and Travelers offer optional stacking variants for drivers who want protection beyond the required minimum. The Pine Tree State has the lowest uninsured driver rate in the country at 5.7%, well below the national average of 15.4%. The low uninsured rate means UM/UIM claims are rare in Maine, but the mandatory matching-limits structure still provides financial protection in serious multi-vehicle collisions.
Progressive offers gap insurance; the other four top-ranked Maine carriers don't. This coverage pays the difference between a vehicle's actual cash value and the outstanding loan or lease balance after a total loss. That gap is largest in the first two to three years of a new vehicle loan, when depreciation outpaces principal paydown. Maine drivers financing through dealerships or banks are most at risk from that gap.
How to Use These Rankings to Find Your Best Maine Carrier
The right Maine carrier depends on your priorities.
Price is your top priorityAt $54/month for full coverage, Travelers is the cheapest top-rated carrier in Maine, 31% below the state average. Its minimum coverage rate of $29/month is 24% below the state average. The cheapest Maine car insurance breakdown has rates by driver profile across all carriers.
You want the best Maine claims experienceAuto-Owners ranks the highest in customer experience among Maine's top carriers. It isn't rated in J.D. Power's 2025 U.S. Auto Insurance Study, but its first-place rank is based on claims satisfaction, billing transparency and agent responsiveness. No carrier in the top five matches Auto-Owners on claims handling.
Coverage and price both matterTravelers ranks first among all Maine carriers with a MoneyGeek Score of 4.78/5. It combines the lowest full coverage rate at $54/month with a second-place customer experience rank and a 10/13 coverage score. Maine drivers who want both low rates and strong service will not find a better option in the top five.
There's a young driver in your householdAuto-Owners prices full coverage for young drivers in Maine at $121/month, the cheapest in the state and $10/month less than the second-place Travelers ($131/month). One way to lower the added premium when adding a young driver to a policy is to evaluate the best home and auto bundle in Maine.
- Your record has an OUI or violation
Among Maine's top five, Progressive has the lowest full coverage rate for OUI-record drivers at $86/month. The legal term for this offense is operating under the influence (OUI) per Maine Title 29-A Section 2411. A first-offense OUI results in a 150-day license suspension and a $500 minimum fine, plus a 48-hour minimum jail term and mandatory enrollment in the Driver Education and Evaluation Program (DEEP). Filing an SR-22 insurance in Maine is required for three years after a serious or repeat OUI.
- You want to compare all Maine options
Full coverage across Maine's top five carriers ranges from $54/month at Travelers to $71/month at Auto-Owners. The $17/month difference adds up to $204 per year. Your rate will vary based on ZIP code, vehicle, age and driving history. Use the Maine car insurance calculator to estimate your personalized premium across all available Maine carriers.
Best Maine Car Insurance: FAQ
What is the minimum car insurance required in Maine?
Maine requires 50/100/25 liability, uninsured and underinsured motorist (UM/UIM) coverage at matching limits, $2,000 in medical payments coverage (MedPay) per person, and up to $500 in towing coverage when towed at the request of law enforcement. Maine doesn't require personal injury protection (PIP).
What happens if I drive without insurance in Maine?
Driving without insurance can lead to suspension of license and registration. Registration is suspended when insurance lapses. Reinstatement requires proof of valid coverage.
Why does Maine have the lowest uninsured driver rate in the country?
Maine's uninsured driver rate is 5.7%, the lowest in the country. The national average is 15.4%. Contributing factors include low population density, high mandatory minimum coverage levels of 50/100/25, and a smaller urban-poverty population than in most states. Maine's BMV also suspends registration automatically at insurance lapse.
Does Maine really require MedPay coverage?
Yes. Maine is one of only three states to mandate MedPay, along with New Hampshire and Pennsylvania. The minimum is $2,000 per person, covering driver and passenger medical expenses regardless of fault. Drivers can increase medical payments coverage to $5,000, $10,000, or $25,000. MedPay covers medical bills only, not lost wages, which distinguishes it from PIP. Maine doesn't require PIP.
Why does Maine use OUI instead of DUI?
Maine's legal term per Maine Title 29-A Section 2411 is OUI; "DUI" is widely used but doesn't apply in Maine courts or at the BMV. Maine uses OUI (Operating Under the Influence) rather than DUI because "operating" covers more situations than "driving." A driver commits OUI if they operate a vehicle with an alcohol level of 0.08 grams or more per 100 milliliters of blood or 210 liters of breath.
Does my Maine auto policy cover moose and deer collisions?
Only comprehensive coverage pays for animal collisions. Liability and collision coverage don't. Maine averages more than 200 moose and 6,000 deer collisions per year, according to the Maine Department of Transportation (DOT), which is why comprehensive coverage is worth buying for most Maine drivers, not just those financing a vehicle.
Sources
- AM Best. "Ratings Services." Accessed 2026.
- Insurance Information Institute (III). "Facts + Statistics: Uninsured Motorists." Accessed 2026.
- J.D. Power. "2025 U.S. Auto Insurance Study." Accessed 2026.
- J.D. Power. "2025 U.S. Auto Claims Satisfaction Study." Accessed 2026.
- Maine Bureau of Insurance. "Insurance Required by Law." Accessed 2026.
- Maine Department of the Secretary of State. “Maine Driver's License Manual Study Guide Online.” Accessed 2026.
- Maine Department of Transportation. “State of Maine Wildlife & Motor Vehicle Collisions.” Accessed 2026.
- Maine Legislature. "Title 29-A: Motor Vehicles and Traffic Chapter 23: Major Offenses - Suspension and Revocation." Accessed 2026
For the complete breakdown of MoneyGeek's scoring weights and rate baseline construction, see our full auto insurance methodology.
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 produces 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. 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.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.