Best Car Insurance in Maine for 2026

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Updated: April 22, 2026

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Key Takeaways
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Travelers earns Maine's top MoneyGeek score at 4.8/5 with a 5/5 affordability score and takes best and cheapest across every major profile: adult ($29 a month), young drivers ($66 a month), DUI ($44 a month) and seniors ($27 a month).

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MMG, a Maine-based regional carrier, takes best and cheapest for bad credit ($68 a month) and low income ($41 a month), with local pricing built around Maine's loss experience rather than national pooling.

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Travelers tops all 10 of Maine's most populous cities at 4.8/5, with rates ranging from $39 a month in Bangor to $47 a month in Lewiston.

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HOW MONEYGEEK CHOSE THE BEST CAR INSURANCE IN MAINE

MoneyGeek analyzed quotes from six Maine insurers across every ZIP code in the state. Maine is an at-fault state with rates among the lowest found in any state in this analysis, reflecting a low population density and relatively low accident frequency, and credit scoring is permitted here. 

Our licensed insurance producers paid attention to Maine's at-fault liability system and the regional insurer market, where carriers like MMG price specifically for Maine's loss environment and can undercut national carriers on certain profiles.

  • Affordability (60%): Rate is the primary driver for most Maine drivers, given the state's already-low baseline.
  • Customer experience (30%): Based on J.D. Power scores, NAIC complaint ratios, AM Best ratings and independent agent Google Business ratings.
  • Coverage options (10%): Measures the range of optional coverages offered in Maine.

Best Car Insurance in Maine by Driver Profile

Travelers is the right fit for most Maine drivers, but those with bad credit or low income will find better rates with MMG, and drivers after the cheapest speeding ticket rate should look at GEICO.

Travelers earns Maine's top score at 4.8/5 and takes best and cheapest across most profiles: adults at $29 a month, DUI at $44 a month, accidents best-score at $41 a month, newer cars at $27 a month, seniors at $27 a month and young drivers at $66 a month. 

Maine's rates are among the lowest found in any state, and Travelers' pricing reflects that low baseline while delivering the best overall combination of rate and service. MMG is a Maine-based regional insurer that takes best and cheapest for bad credit at $68 a month and best and cheapest for low income at $41 a month. 

Its local pricing reflects Maine-specific loss experience, but it doesn't publicly offer or disclose any optional coverages, so drivers who need gap insurance or accident forgiveness will need to look elsewhere.

GEICO is cheapest for a speeding ticket at $33 a month, matching its clean-record adult rate, meaning the surcharge impact at GEICO is minimal in Maine. Travelers has the best score for speeding at $38 a month for drivers who want better service alongside a competitive rate. Auto-Owners is best and cheapest for older cars at $28 a month.

For a full rate breakdown, see cheapest car insurance in Maine.

Senior drivers (65+)
Travelers
$27
$48
Adult drivers (26–64), clean record
Travelers
$29
$54
After a speeding ticket
Geico
$33
$64
After an at-fault accident
Travelers
$41
$78
Low income
MMG Insurance
$41
$81
After a DUI
Travelers
$44
$84
Young drivers (16–25)
Travelers
$66
$131
Bad credit
MMG Insurance
$68
$128

Note: For speeding tickets, GEICO is cheapest at $33 a month and Travelers has the best score at $38 a month. The table above shows the cheapest option. Maine allows credit scoring, so bad credit carries real rate weight. MMG's $68 a month bad-credit minimum is both the cheapest and best-scoring option found in the state for that profile.

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

Travelers

Travelers earns the top composite score in Maine at 4.8/5, with a 5/5 affordability rating and the lowest rates in the state across most profiles. At $29 per month for minimum coverage for a clean-record adult, Travelers is the best and cheapest option in Maine for that profile, and it ranks first across nearly every other profile tested: young drivers at $66 per month, senior drivers at $27 per month, DUI at $44 per month and newer cars at $27 per month, all best and cheapest in the state.

For customer experience, Travelers ranks second in Maine, behind only Auto-Owners, which holds a 5/5 customer experience score in the state. Its agent network and claims reputation support the 4.6/5 score. Six optional coverages (the extras drivers can add beyond basic liability, collision and comprehensive) include accident forgiveness, gap insurance and rideshare coverage, the most useful set found for a Maine driver financing a vehicle or working in the Portland or Bangor rideshare market.

  • Affordability (60%): 5/5
  • Customer Experience (30%): 4.6/5
  • Coverage Options (10%): 4.1/5

Don't choose Travelers if you need the broadest possible optional coverage selection. Progressive offers nine optional coverages in Maine, including a diminishing deductible and pet coverage, though its $34 a month minimum runs $5 more a month than Travelers for a clean-record adult. For bad-credit or low-income drivers, MMG prices those profiles more competitively.

MMG Insurance
Best for Drivers With Low Income or Bad Credit

MMG Insurance

MMG is a Maine-based regional carrier with a 4.29/5 MoneyGeek score in the state and leads in both price and score for bad credit at $68 per month minimum and low income at $41 per month minimum. For Maine drivers in these profiles, MMG offers the lowest rates in the state. Its pricing reflects Maine loss experience rather than national pooling, which helps keep rates lower for profiles that often cost more with national carriers.

Customer experience rankings place MMG third among insurers in Maine with a 4.1/5 score, behind Auto-Owners and Travelers. Its regional agent network is concentrated in Maine and northern New England. It doesn’t publicly offer or disclose optional coverages, which is the main trade-off behind its pricing. Drivers who need gap insurance, accident forgiveness or rideshare coverage will need to look to Travelers or Progressive.

  • Affordability (60%): 4.7/5
  • Customer Experience (30%): 4.1/5
  • Coverage Options (10%): 1.3/5

Don't pick MMG if you need gap insurance, accident forgiveness or rideshare coverage. None are available. Travelers offers all three at $29 per month for a clean-record adult, though its bad-credit rate runs higher than MMG's $68 per month minimum.

GEICO
Best Cheap for Drivers With a Speeding Ticket

GEICO

GEICO takes the cheapest speeding ticket rate in Maine at $33 a month, the same as its clean-record adult rate. It offers the lowest rate for Maine drivers managing a speeding ticket surcharge. Its 4.5/5 affordability score reflects competitive pricing across several profiles, and the surcharge impact on price is minimal in Maine.

Customer experience is where GEICO trails the other featured winners, ranking eighth among Maine insurers analyzed. Its primarily phone-and-online service model means most claims interactions happen without a local agent. GEICO offers three optional coverages: roadside assistance, a vehicle service contract and rental reimbursement. There's no gap insurance, no accident forgiveness and no rideshare coverage.

  • Affordability (60%): 4.5/5
  • Customer Experience (30%): 3.7/5
  • Coverage Options (10%): 1.9/5

Don't pick GEICO if you need gap insurance or accident forgiveness, or if customer experience quality is a priority. Travelers' $38 per month speeding-ticket rate is $5 more per month but carries a 4.6/5 customer experience score and a six-option coverage menu including both gap insurance and accident forgiveness.

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MONEYGEEK VERDICT

Travelers is the best fit for most Maine drivers, earning the highest composite score at 4.8/5 by combining a 5/5 affordability rating with a solid service record and sweeping nearly every driver profile in the state. For bad-credit and low-income drivers, MMG is the right choice, as its Maine-local pricing produces rates that national carriers don't match on those profiles. 

GEICO is the cheapest option for speeding ticket drivers at $33 a month, but its eighth-place customer experience ranking is the trade-off for drivers who want responsive claims interactions. 

Maine's rates are among the lowest in the country, so the absolute dollar differences between insurers are smaller here than in most states, but the right choice still depends on the driver's profile.

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Best Car Insurance in Maine by City

Travelers leads all 10 of Maine's most populous cities at 4.8/5, consistent with its state-level result. The rate variation is modest by national standards: Bangor runs $39 per month while Lewiston runs $47 per month, a difference that reflects Maine's relatively uniform loss environment across regions. 

For Maine drivers, the city table confirms the state recommendation rather than complicating it, but checking an exact ZIP code will still produce the most accurate starting rate.

Portland
Travelers
4.8
$44
Lewiston
Travelers
4.8
$47
Bangor
Travelers
4.8
$39
South Portland
Travelers
4.8
$43
Auburn
Travelers
4.8
$42
Biddeford
Travelers
4.8
$42
Sanford
Travelers
4.8
$43
Augusta
Travelers
4.8
$40
Saco
Travelers
4.8
$42
Westbrook
Travelers
4.8
$42

Rates vary by ZIP code within each city, so drivers should pull quotes for their exact address.

Summary: Best Overall Car Insurance Providers in Maine

Travelers leads Maine at 4.8/5 with a top affordability score and the lowest rates in the state for most profiles, followed by Progressive at 4.32/5 and MMG at 4.29/5. Auto-Owners has the highest customer experience score in Maine at 5/5 and ranks first on that measure, yet places fourth overall, reflecting how the 60/30/10 weighting creates a different order than a service-only ranking.

Travelers4.78$4024
Progressive4.31$5142
MMG Insurance4.29$4637
Auto Owners4.14$6015
Geico4.11$4986

How to Find the Best Car Insurance in Maine for Your Profile

Maine offers some of the lowest car insurance rates in the country, but the right insurer still depends on the driver's profile. A bad-credit driver pays more than twice what a clean-record senior pays, and the best insurer for each is different.

  1. 1
    Know Maine’s minimum coverage requirements

    Maine requires 50/100/25 liability coverage. Maine is an at-fault state, meaning the driver who causes an accident is responsible for the other party's costs. Personal injury protection isn't required. Compare the cheapest car insurance options in Maine to get the lowest rates.

  2. 2
    Account for Maine's low baseline rates

    Maine consistently ranks among the cheapest states for car insurance, so the gap between the best and worst option is smaller here than in most states. Even the most expensive profiles in Maine fall below what many states charge for clean-record drivers.

  3. 3
    Consider regional carriers for certain profiles

    MMG prices bad-credit and low-income profiles competitively in Maine because its pricing reflects Maine's loss experience rather than national pooling. Drivers in those profiles should get a direct quote from MMG before settling on a national carrier.

  4. 4
    Plan for DUI and violation surcharges

    A DUI in Maine requires an SR-22 filing. Travelers offers the lowest DUI rate at $44 per month. Review SR-22 insurance in Maine for details on the filing process and costs.

  5. 5
    Check bundling discounts

    Bundling home and auto policies can reduce total insurance costs. Compare best home and auto insurance in Maine to explore bundle options and rates.

Frequently Asked Questions About Car Insurance in Maine

Who has the cheapest car insurance in Maine?

What is the average cost of car insurance in Maine?

What car insurance is required in Maine?

Is Maine a no-fault state?

Does Maine allow credit scoring for car insurance?

Which insurer has the best customer service in Maine?

About Mark Fitzpatrick

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Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers. 

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships. 

His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others. 

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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