The Best Car Insurance in Maine for 2023

The best auto insurance companies balance affordability with other important factors like financial stability and customer service. According to MoneyGeek’s ranking system, GEICO is Maine's best car insurance company, ranking highest affordability, tying for first in satisfaction ratings and tying for second in claims.

The best insurer may also vary depending on your profile. For instance, Allstate ranked top for customer service, State Farm for those with a poor driving record and Nationwide for low-mileage drivers.

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Advertising & Editorial DisclosureLast Updated: 11/2/2022
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2023

MoneyGeek also investigated the cheapest auto insurance providers in Maine, especially for those on a budget.

Best Full Coverage Car Insurance Companies in Maine: Overall

According to our study, the cheapest and best car insurance providers in Maine are:

  • GEICO: MoneyGeek score of 83 out of 100 ($460 per year)
  • State Farm: MoneyGeek score of 71 out of 100 ($599 per year)

MoneyGeek researched the top auto insurance companies in Maine based on various factors, such as claims rating, affordability and overall customer satisfaction.

For drivers interested in saving on their policy, we reviewed the most affordable full coverage car insurance in Maine across different driver profiles.

THE TOP CAR INSURANCE COMPANIES IN MAINE

1
GEICOBest Overall
Score:83

3.7/5

Affordability

4/5

Claims

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO, Maine's best insurer, tied for first in financial stability and user satisfaction, second in claims and ranked the highest in affordability. Its Mechanical Breakdown Insurance is a unique coverage.

Average Annual Cost: $460

More About GEICO

GEICO’s Mechanical Breakdown Insurance (MBI) provides coverage for all systems and parts on cars under 15 months old and under 15,000 miles for less than the standard dealer’s extended warranty. The insurer also offers accident forgiveness to its customers, meaning rates do not increase after your first at-fault accident if you have not been involved in one for five consecutive years or more and are at least 21 years old.

GEICO also offers policyholders rental car and/or travel reimbursement. With this coverage, the insurer will cover the cost of your travel, including transportation, accommodation and meals, if your vehicle remains at the car shop for over 24 hours. Roadside assistance is also available for lock opening, jumpstarting and towing services.

2
State Farm
Score:71

1.7/5

Affordability

4/5

Claims

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm is the third most affordable insurer in Maine. It tied for first in user satisfaction and financial stability and second in claims. People working for ridesharing services will appreciate its rideshare insurance.

Average Annual Cost: $599

More About State Farm

State Farm’s rideshare insurance add-on coverage pays for medical expenses in addition to providing rental car reimbursement and roadside assistance for those working for a ridesharing company. This coverage includes all coverages from your policy, except liability insurance. The insurer also has separate roadside assistance coverage that pays for towing, mechanical labor, tire replacement, fuel delivery and other similar services. If you lose your car key, you will also get free locksmith services for up to one hour.

One downside of State Farm is that it has no unique add-on coverages like OEM. Read MoneyGeek's State Farm Auto Insurance Review.

3
Allstate
Score:64

0.2/5

Affordability

4.5/5

Claims

4.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Allstate tied for first in user satisfaction, second-best in financial stability and was rated the best in claims handling. Regardless, the company has poor affordability, with an average quote of $703 yearly. It does offer sound system coverage.

More About Allstate

Allstate’s sound system coverage protects you from damage to a sound system permanently installed in your car. It generally covers antennas or other components that are part of the system. Tapes and compact discs are also covered.

Allstate also covers the loss of custom equipment such as special carpeting, bars, height-extending roofs, custom murals, decals and graphics. Additionally, when your app is running, and you're waiting for a ridesharing company to assign you a ride, Allstate's Ride for Hire can cover you during the coverage gap.

4
Travelers
Score:58

0.6/5

Affordability

4/5

Claims

3.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Travelers quotes an average of $680 yearly. It tied for best in financial stability and second in claims and has an average customer satisfaction score of 3.5 out of 5 points. The company offers gap insurance coverage.

More About Travelers

People who have leased or financed their car will like Travelers' gap insurance, also known as loan/lease insurance. It covers the difference between your car’s actual cash value and the outstanding debt on your auto loan or lease if your car is totaled. Travelers' New Car Replacement will pay for a brand-new car of the same make and model if your new car gets totaled during the first five years of using it. Read MoneyGeek's Travelers Auto Insurance Review

5
Progressive
Score:54

0/5

Affordability

3.5/5

Claims

4/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Progressive’s car insurance policies cost about $719, making it the least affordable insurer among Maine's five best insurance providers. Nevertheless, the insurer had the highest financial stability score and second-highest claims and customer satisfaction scores. Policyholders can get optional custom parts coverage from the company.

More About Progressive

The custom parts and equipment (CPE) coverage from Progressive covers costs associated with the replacement or repair of accessories added to your car, including navigation systems, music systems and custom wheels. The maximum limit for this coverage is $5,000.

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HOW WE DETERMINED THE BEST INSURANCE IN MAINE

MoneyGeek compared rates from various companies and applied NAIC and J.D. Power's customer satisfaction and claim ratings to find the best full coverage car insurance in Maine. However, each insurance company has its unique quote-evaluation technique that takes a variety of factors into account. You can check MoneyGeek's methodology for more information on this study.

MoneyGeek's Maine Car Insurance Resources:

Best Car Insurance in Maine for Customer Service

If you're searching for outstanding customer service, look no further than the following two companies in Maine:

  • Allstate: MoneyGeek score of 90 out of 100
  • State Farm: MoneyGeek score of 87 out of 100

MoneyGeek determined the best auto insurance companies in Maine solely based on user satisfaction and claims ratings, disregarding all other considerations.

THE TOP TWO CAR INSURANCE COMPANIES IN MAINE FOR SERVICE QUALITY

1
AllstateBest for Customer Service
Score:90

4.5/5

Claims

4.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

We rated Allstate the best company in Maine for customer service because of its high user satisfaction and claims scores of 4.5 out of 5. It tied for the top spot in both these categories. Because you'll be going to the insurer in a time of crisis, having excellent customer service is crucial.

More About Allstate

Under its comprehensive car insurance, Allstate provides coverage for portable electronics and media devices, including compact discs, tapes and other items used in your car’s sound system. The insurer also offers sound system coverage that pays to replace damaged sound systems permanently installed in your vehicle, including antennas and other parts. Sound system coverage is also available for comprehensive coverage holders.

You can also get custom parts coverage that pays for the replacement of lost custom equipment, such as murals, graphics, height-extending roofs and vehicle carpeting. Read MoneyGeek's Allstate Auto Insurance Review.

2
State Farm
Score:87

4/5

Claims

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm came a close second to Allstate in terms of the best company in Maine for customer satisfaction. It received an equally high score in user satisfaction but tied for second place in claims ratings.

More About State Farm

If you use your car while driving for Uber, Lyft or any other ridesharing company, you may purchase State Farm’s rideshare insurance to ensure that you receive medical coverage, emergency road services and rental car reimbursement in case of an accident.

State Farm’s emergency road services coverage pays for the expenses you may incur while getting your covered vehicle back in good condition. Rental car reimbursement pays for transportation, lodging and meals.

Best Car Insurance in Maine for Minimum Coverage

For budget-conscious drivers in Maine, the following are the most affordable car insurance companies:

  • GEICO: MoneyGeek score of 84 out of 100 ($252 per year for the state minimum policy)
  • State Farm: MoneyGeek score of 74 out of 100 ($337 per year for the state minimum policy)

Individuals on a limited budget may opt for insurance that only meets Maine’s minimum state requirements. MoneyGeek rated Maine's insurers based on their minimum state insurance policy quotes.

We also analyzed the cheapest minimum coverage auto insurance in Maine for those interested in the lowest premiums in the state.

MoneyGeek’s Pick: GEICO

GEICO

pros

An affordable minimum coverage policy at an average of $252 per year

Discounts for bundling of multiple insurance policies and insuring multiple cars are available. There's also a discount for being accident-free for three to five years.

User satisfaction score of 4.5 and claims rating of 4 out of 5

cons

No discounts for paying premiums in full and opting for paperless billing

COMPANY HIGHLIGHTS

If you remain accident-free for five years, you can get discounted rates from GEICO. Better yet, if you insure more than one car, you may be eligible for further discounts. Bundling your home or renters insurance is also a great way to reap discounts from GEICO.

GEICO offers special discounts to drivers who install anti-lock brakes, an anti-theft system or airbags in their vehicles. Additionally, the company may discount your rates if you consistently wear your seatbelt, which will be tracked through your driving history. Installing automatic seat belts in your vehicle can also verify that you don’t drive without wearing a seat belt.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Maine for Young Drivers and Students

The following companies offer the best and most affordable coverage for young drivers in the state:

  • Allstate: MoneyGeek score of 91 out of 100
  • GEICO: MoneyGeek score of 91 out of 100

Students and young drivers in Maine can also get low-cost vehicle insurance with outstanding service.

Allstate is the best insurance provider for young drivers and students for many reasons. However, if you are looking for the lowest rates for this category, we also ranked the cheapest car insurance in Maine for young drivers and students for your reference.

MoneyGeek’s Pick: Allstate

Allstate

pros

Affordable quotes for adding students and young drivers at around $1,287 per year

Offers good student, driver's education and distant student discounts

Good user satisfaction and claims ratings of 4.5 out of 5

COMPANY HIGHLIGHTS

Insurance for students and young drivers and their inclusion in an adult's policy can be costly. Allstate, on the other hand, offers not only excellent customer service but also low rates. Because young drivers are more likely to file claims, a company that offers strong customer service can be helpful.

Allstate’s array of discounts includes options that favor young drivers and students. For instance, good student discounts are available for policyholders who earn good grades while attending school full-time. Also available is the driver’s education discount, offered to students who complete the teenSMART driver education course. Additionally, students who attend a school 100 miles from where their car is parked are eligible for reduced rates.

Read MoneyGeek's Allstate Auto Insurance Review

Best Car Insurance in Maine for Seniors

MoneyGeek determined the top auto insurance companies in Maine for senior drivers across factors such as affordability and customer service ratings. From the research findings, the top insurers are:

  • GEICO: MoneyGeek score of 91 out of 100 ($417 per year)
  • State Farm: MoneyGeek score of 80 out of 100 ($577 per year)

The average ratings for this category depend on how best the insurer balances affordability and customer service. For drivers whose main priority is the cost of coverage, MoneyGeek also determined the insurers providing cheap car insurance for seniors in Maine.

MoneyGeek’s Pick: GEICO

GEICO

pros

The most affordable insurer for senior drivers at $417 per year

Offers roadside assistance and rental car and/or travel reimbursement coverages

MoneyGeek user satisfaction rating of 5 out of 5

MoneyGeek’s claims rating of 4 out of 5

Offers defensive driving and senior driver discounts

cons

No cost savings if you enroll in e-billing

COMPANY HIGHLIGHTS

Insurers consider senior drivers as high-risk, thus charging them higher premiums than the average driver. Based on MoneyGeek’s findings, the best company in Maine with excellent service and affordable coverage for this category is GEICO.

One of the add-on coverages offered by the insurer that suits seniors is roadside assistance. Drivers can take advantage of this coverage to get services such as replacing a flat tire and jump-starting their car should they get stuck on the road. GEICO also offers rental car reimbursement coverage that pays for the cost of renting a car, as well as accommodation and meals if the car is not driveable for over 24 hours due to a covered accident.

GEICO provides senior drivers with several discounts that can reduce their premiums. These include defensive driving, senior driver and safe driving discounts.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Maine for Bad Driving Records

Maine drivers with a poor driving record can get the best and cheapest car insurance from the two providers listed below:

  • State Farm: MoneyGeek score of 84 out of 100 ($722 per year)
  • GEICO: MoneyGeek score of 82 out of 100 ($753 per year)

MoneyGeek ranked Maine's auto insurance providers based on their car insurance quotes for those with a prior history of traffic offenses, such as an at-fault accident.

For drivers with an accident history, these top-rated companies strike an excellent balance of affordability and customer service. If you need to save more on your policy, you may also consider MoneyGeek’s review of the cheapest auto insurance in Maine for drivers with a poor record.

MoneyGeek’s Pick: State Farm

State Farm

pros

An affordable full coverage policy for drivers with a bad driving history at an average of $722 per year

Offers roadside assistance and rental car reimbursement coverages

Claims score of 4 and user satisfaction ratings of 4.5 out of 5

cons

No accident forgiveness, new car replacement or better car replacement coverages

COMPANY HIGHLIGHTS

State Farm has the cheapest auto insurance in Maine for those with a bad driving record at around $722 per year. The company received a claim score of 4 and a user satisfaction score of 4.5, with five being the best.

Even if you have a poor driving record, you can enjoy the following coverages from State Farm:

  • Roadside Assistance: Roadside help includes mechanical assistance, tire replacement, towing and delivery of gasoline, oil and batteries. Additionally, if you lose your keys or get locked out of your car, you get one hour of locksmith service.
  • Rental Car Reimbursement: if you are at fault in an accident while driving a rented car you will be compensated up to a certain amount for rental charges, up to $500 travel expenses and a $500 deductible repayment.
Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance in Maine for a Military Background

According to MoneyGeek, USAA is the best car insurance provider in Maine for active-duty and retired military members and their families, scoring 100 out of 100. We awarded the company a perfect score of 5 out of 5 in all categories.

A state minimum auto insurance policy from USAA costs roughly $187 per year. However, the cost rises to around $507 per year for individuals with a history of at-fault incidents.

MoneyGeek’s Pick: USAA

USAA

pros

An affordable full coverage policy of $367 per year on average

Claims and user satisfaction rating of 5 out of 5

Offers accident forgiveness coverage

Offers loyalty discounts

cons

Only available for current and former military personnel and their families

COMPANY HIGHLIGHTS

Besides being renowned for providing some of Maine's cheapest insurance plans, USAA is also well-known for providing exceptional customer service. Throughout the country, the company has a positive reputation.

USAA provides the following significant benefits, among others:

  • Rental Car and/or Trip Reimbursement: This supplemental coverage pays for the cost of a rented vehicle while your car is being repaired for covered damage.
  • Rideshare Insurance: Military personnel who work for a ridesharing company will benefit from this add-on coverage. USAA provides this add-on coverage to safeguard you while you wait for a ridesharing request. You can add this coverage to your USAA automobile insurance policy for $6 per month.
  • Legacy Discount: Those under 25 who were previously insured under their parents' USAA policy and obtain their own USAA policy are eligible for a discount through this benefit.
  • Vehicle Storage Discount: USAA policyholders who have a garaged automobile that is insured with the company can receive a discount of up to 60%.
Read MoneyGeek's USAA Auto Insurance Review

Best Car Insurance in Maine for Those With New Cars

MoneyGeek’s review of Maine’s auto insurance coverage that offers new car replacement coverage indicates that the top company in the state is:

  • Allstate: MoneyGeek score of 64 out of 100 ($703 per year)

Drivers with a new car should consider adding new car replacement coverage to their policy. This coverage will compensate you enough to buy a comparable model and brand if your car is damaged within the first few years of ownership.

A newer model car may be an option if your insurance company offers better car replacement coverage. The majority of insurance companies provide this coverage for vehicles under five years old. However, In most cases, this type of insurance is not included in standard policies and needs to be purchased as an add-on.

MoneyGeek also found the best car insurance companies for first-time auto insurance buyers.

MoneyGeek’s Pick: Allstate

Allstate

pros

MoneyGeek claims, stability and satisfaction rating of 5 out of 5

MoneyGeek stability rating of 5 out of 5

New car replacement coverage

cons

Does not offer better car replacement coverage

COMPANY HIGHLIGHTS

Your car's value begins to depreciate the moment you drive it off the lot. If it is involved in an accident, its value plummets dramatically. New car owners in Maine can find new car replacement coverage from Allstate, MoneyGeek’s pick for the best auto insurance provider for those with new vehicles.

This coverage pays for the cost of replacing your car with a new model without regard for its depreciated value and applies to vehicles that are two years old or less.

Read MoneyGeek's Allstate Auto Insurance Review

Best Car Insurance in Maine for Low-Mileage Drivers

Nationwide SmartMiles is Maine's most popular pay-per-mile service. Many insurance firms now consider pay-per-mile car insurance coverage as an option. With this program, people who don't drive often can pay for auto insurance based on the miles they drive each year. If you choose to go for low-mileage insurance, MoneyGeek summarized the most affordable low-mileage options.

SmartMiles from Nationwide offers a fixed and variable rate depending on the total miles you drive in Maine. The software only tracks the first 250 miles of your trip in a single day. Those who don't drive often but do go on road trips sometimes stand to gain from this.

Furthermore, you may be eligible for additional reductions, up to 10%, if you have a safe driving record.

MoneyGeek’s Pick: Nationwide

Nationwide

pros

Provides low-cost coverage for infrequent drivers.

cons

For frequent drivers, this coverage is more expensive than standard auto insurance.

COMPANY HIGHLIGHTS

Pay-per-mile program SmartMiles from Nationwide offers both a fixed and a variable rate depending on the total number of miles driven by drivers in Maine. To make things easier, this software only tracks the first 250 miles of your trip in a single day. Those who don't drive often but do go on road trips sometimes stand to gain a lot from this.

Furthermore, you may be eligible for additional reductions if you have a safe driving record.

Read MoneyGeek's Nationwide Auto Insurance Review

How to Find the Best Car Insurance in Maine For You

When deciding on the best car insurance policy in Maine, there are various factors to consider. As a result, you should choose a company that maintains a good balance between service quality, cost and financial stability.

MoneyGeek selected the best auto insurance companies in the state based on these factors, but it's important that you assess the companies yourself to decide which plan best meets your needs.

1

Research customer service reputations in Maine

To determine Maine's best insurers, MoneyGeek obtained auto insurance quotes from several providers using a sample driver profile and evaluated NAIC complaint ratios and J.D. Power's customer satisfaction ratings. In addition to MoneyGeek's recommendations, you must take a look at J.D. Power ratings and the NAIC's complaint index to find the best provider for you. More information regarding auto insurance is available on the Maine Department of Insurance's website.

2

Compare quotes for yourself

MoneyGeek examined insurance premiums for a sample driver rather than the full state for this analysis. To get a better idea of the state's average cost and coverage, compare quotes from at least three different insurers.

3

Make sure the company has coverages you want in Maine

Verify that the insurer you're considering for auto insurance gives the coverage you require, as well as any applicable discounts or offers. A discount or additional coverage offered by an insurer may not indicate if it is available in Maine.

4

Double-check financial stability ratings

When buying insurance, consider the company’s financial position. It is more likely that larger insurance companies will pay claims quickly and fairly. Regional insurance companies, on the other hand, may take longer to process claims.

FAQs About the Best Car Insurance in Maine

Several factors, including the coverage you require, will influence your insurance cost in Maine. We've answered some of the state's most frequently asked questions concerning vehicle insurance.

Expert Advice: Finding the Best Auto Insurance in Maine

  1. What is the best way to figure out which insurer is best for me in Maine?
  2. What are the best coverages to add to your car insurance policy in Maine?
Craig Joncas
Craig Joncas

Financial Advisor & Chief Executive Officer

About the Author


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.