BestCar InsuranceMaineBest Car Insurance in Maine (May 2023)
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State Farm is the best company for car insurance in Maine for full coverage, minimum coverage, young adults, seniors and drivers with violations. Allstate is the best provider for teens, while Travelers is the best option for customer service or if you have a new car. USAA offers the best policies for drivers with a military background.
MoneyGeek also reviewed the cheapest car insurance in Maine to help you find affordable car insurance.
BestCar InsuranceMaineBest Car Insurance in Maine
Best Overall - State Farm
Best for Service - Travelers
Best for Minimum Coverage - State Farm
Best for Young Adults - State Farm
Best for Seniors - State Farm
Best for Driving Offenses - State Farm
Best for New Cars - Travelers
Best for Military - USAA
Best Overall for Car Insurance in Maine
State Farm is the best car insurance company in Maine for a full coverage policy. MoneyGeek’s analysis found that the best providers for full coverage are:
- State Farm: MoneyGeek score of 88 out of 100 (approximately $566 per year)
- Vermont Mutual: MoneyGeek score of 87 out of 100 (approximately $562 per year)
State Farm ranked well for affordability and had above-average ratings for customer satisfaction. MoneyGeek also analyzed the cheapest full coverage car insurance in Maine to help you find the most affordable options.
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State FarmBest Overall
Score:88
State Farm is the second cheapest option for full coverage car insurance in Maine at around $566 per year. This insurer also has above-average customer satisfaction ratings, meaning that policyholders get a balance of quality service and affordability. State Farm has limited unique coverages but offers add-ons like roadside assistance.
More About State Farm
State Farm is a good option for Maine drivers who want a full coverage policy with basic add-ons like roadside assistance and rental car/travel reimbursement coverage. Roadside assistance is essential coverage for most drivers since it pays for the cost of services like mechanical labor, towing and delivery of gas in case your car breaks down. Rental car or travel reimbursement coverage is also available with a State Farm policy as an add-on. This coverage will reimburse you for travel expenses incurred while your car is in the shop for repairs.
J.D Power Customer Satisfaction Survey for 2022 ranks State Farm among the top ten companies for customer satisfaction, so most policyholders have a good experience with this provider. Keep in mind the insurer did rank lower for claims management and coverage options.
2
State Farm
Score:88
State Farm is the second cheapest option for full coverage car insurance in Maine at around $566 per year. This insurer also has above-average customer satisfaction ratings, meaning that policyholders get a balance of quality service and affordability. State Farm has limited unique coverages but offers add-ons like roadside assistance.
More About State Farm
State Farm is a good option for Maine drivers who want a full coverage policy with basic add-ons like roadside assistance and rental car/travel reimbursement coverage. Roadside assistance is essential coverage for most drivers since it pays for the cost of services like mechanical labor, towing and delivery of gas in case your car breaks down. Rental car or travel reimbursement coverage is also available with a State Farm policy as an add-on. This coverage will reimburse you for travel expenses incurred while your car is in the shop for repairs.
J.D Power Customer Satisfaction Survey for 2022 ranks State Farm among the top ten companies for customer satisfaction, so most policyholders have a good experience with this provider. Keep in mind the insurer did rank lower for claims management and coverage options.
3
Vermont Mutual
Score:87
Vermont Mutual received above-average scores for affordability and customer satisfaction. It is the second-best insurer, with a full coverage policy costing roughly $562 per year. This insurer, however offers very limited common and unique coverage options, including rental car reimbursement.
More About Vermont Mutual
Vermont Mutual offers the second-lowest premiums for car insurance but has the lowest claims rating. The insurer ranks second for customer satisfaction, indicating that you can expect your complaints to get addressed faster and more efficiently.
Vermont Mutual offers rental car reimbursement coverage that covers rental car damages. While the insurer lacks roadside insurance and other common add-ons, Maine drivers interested in a combination of cost and exceptional customer service may secure the best coverage from Vermont Mutual. If you purchase both home and car insurance from the company, your policy gets written at a substantial discount, allowing you to save on your premiums.
4
Vermont Mutual
Score:87
Vermont Mutual received above-average scores for affordability and customer satisfaction. It is the second-best insurer, with a full coverage policy costing roughly $562 per year. This insurer, however offers very limited common and unique coverage options, including rental car reimbursement.
More About Vermont Mutual
Vermont Mutual offers the second-lowest premiums for car insurance but has the lowest claims rating. The insurer ranks second for customer satisfaction, indicating that you can expect your complaints to get addressed faster and more efficiently.
Vermont Mutual offers rental car reimbursement coverage that covers rental car damages. While the insurer lacks roadside insurance and other common add-ons, Maine drivers interested in a combination of cost and exceptional customer service may secure the best coverage from Vermont Mutual. If you purchase both home and car insurance from the company, your policy gets written at a substantial discount, allowing you to save on your premiums.
How the Best Insurers in Maine Rank: MoneyGeek Scores and Costs
MoneyGeek analyzed nine car insurance companies to find the best providers. State Farm and Travelers offer the best balance of cost and quality service for full coverage policies, although they are not the cheapest providers.
The cheapest provider is Concord Group, at an average of $519 per year. The most expensive option is Bristol West at $1,412 per year, with the lowest MoneyGeek score in the group of 44 out of 100.
These rates are for a full coverage policy. MoneyGeek only assigned an overall score to companies with enough data for all scoring categories.
Best Car Insurance in Maine for Customer Service
Travelers is the best auto insurance company in Maine for drivers who prioritize customer service regardless of cost.
Our analysis found that the best providers for customer service are:
- Travelers: MoneyGeek score of 85 out of 100 (approximately $656 per year)
- Progressive: MoneyGeek score of 85 out of 100 (approximately $708 per year)
Travelers ranked well for affordability and coverages. Travelers ranked among the cheapest companies at $656 per year, so policyholders get a good balance of cost and quality service.
pros
Relatively affordable rates, making it a good value for the service it offers
Ranked highly for coverages
cons
Average claims ratings
Slightly lower satisfaction score
Doesn’t offer deductible modification
COMPANY HIGHLIGHTS
Travelers offers affordable rates and good coverage options to policyholders. This insurer has core coverages, like accident forgiveness and gap insurance. Accident forgiveness can be purchased as an add-on to ensure that your premiums do not increase following an at-fault accident within a specified period.
Gap insurance is ideal for drivers who are financing or leasing their cars. In case the car gets totaled, gap insurance will cover the difference between the actual cash value of the car and what is owed on the lease or car loan.
Travelers also offers roadside assistance coverage to pay for breakdown services like towing, mechanical labor or gas delivery when your car breaks down. You can even opt for rental car or travel reimbursement coverage to pay for your traveling expenses while your car is undergoing repairs.
What Makes an Insurer the Best for Customer Service?
An insurer with good customer service will be responsive and prompt in handling claims and complaints. This means they will offer support when you need it most.
Travelers emerged at the top in this category for their good ratings in affordability and coverage offerings. This insurer is also relatively inexpensive, so policyholders get great service at competitive rates. The runner-up does have a better customer satisfaction score.
Best Car Insurance in Maine for Minimum Coverage
State Farm is the best car insurance company in Maine for minimum coverage. MoneyGeek rated insurers based on affordability and service quality for policies that meet Maine’s minimum requirements. The top providers include:
- State Farm: MoneyGeek score of 90 out of 100 (approximately $245 per year)
- Vermont Mutual: MoneyGeek score of 87 out of 100 (approximately $258 per year)
State Farm ranked highly for affordability and customer satisfaction. If you are looking for affordable premiums, minimum coverage car insurance in Maine is the cheapest option, but you get limited liability coverage and damage to your vehicle is not covered.
pros
Affordable minimum coverage policy at around $245 per year
Various discounts, including bundling, safe driving and defensive driving discounts.
Ranked highly for affordability
Scored well for customer satisfaction
cons
Average claims scores
Lower coverage score
COMPANY HIGHLIGHTS
State Farm scored highly in affordability and satisfaction, meaning policyholders can get great service at competitive rates.
You can take advantage of State Farm discounts to make your premiums even more affordable. Some of the common discounts offered include bundling discounts when you buy more than one policy. Safe driving discounts are also available if you maintain a clean record for at least three years. Drivers who install safety equipment like anti-lock brakes or an anti-theft system are also eligible for discounts.
State Farm even offers unique discounts like daytime running lights discounts for those who have factory-installed daytime running lamps on their vehicles. State Farm also offers new vehicle discounts for cars made in 1994 or later. These discounts make it possible to lower your car insurance rates.
What Makes an Insurer the Best for Minimum Coverage?
A good provider of minimum coverage car insurance will offer affordable rates and still provide good service. Although the cheapest option is not always the best, you can still get cheap rates and good service.
State Farm was our top pick for this category based on its affordability and customer satisfaction scores. They also offer a wide range of discounts. The runner-up did score better in terms of coverage options.
Best Car Insurance in Maine for Young Adults
State Farm offers the best car insurance for young adults in Maine. We reviewed the affordability and service quality of full coverage policies for drivers in their 20s and found that the best insurers are:
- State Farm: MoneyGeek score of 89 out of 100 (approximately $715 per year)
- Travelers: MoneyGeek score of 89 out of 100 (approximately $730 per year)
State Farm ranked well in affordability and customer satisfaction. Car insurance rates are cheaper for young adults compared to teens but still higher than for older drivers. You can find the cheapest car insurance for young adults in Maine by comparing quotes.
pros
Affordable rates at $715 per year
Offers good student, driver’s education and distant student discounts
High scores for customer satisfaction
cons
Low claims scores
Lower coverage score
COMPANY HIGHLIGHTS
State Farm ranked second for affordability and received high customer satisfaction ratings, so it's a good option if you want a combination of value and good service.
State Farm offers various discounts to help you save on your premiums. Some of the common discounts include good student discounts for young adults who are still studying and manage to maintain a B average or higher.
If you are a student younger than 25 who moves away to school, you may be eligible for a distant student discount. State Farm also offers discounts for drivers under 21 who complete a defensive driving class.
State Farm offers core coverages like roadside assistance and rental car or travel reimbursement. These coverages come in handy when your car breaks down and you need services like towing or gas delivery.
What Makes an Insurer the Best for Young Adults?
Young adults should consider affordability, service track record and coverage and discount options when choosing the best auto insurance company.
State Farm emerged top in this category for offering a combination of affordability and good customer service. This insurer also has a host of discounts suited for young adults, which helps with keeping premiums low. The runner-up did score better in claims and coverages.
Best Car Insurance in Maine for Seniors
State Farm offers the best car insurance in Maine for senior drivers. MoneyGeek analyzed providers based on affordability and service quality for full coverage policies for drivers in their 60s. The best companies for seniors are:
- State Farm: MoneyGeek score of 89 out of 100 (approximately $548 per year)
- Travelers: MoneyGeek score of 88 out of 100 (approximately $578 per year)
State Farm ranked highly for affordability and customer satisfaction. Drivers in their 60s pay similar rates to drivers aged between 30 and 50. However, after age 70, rates typically increase. You can find the cheapest car insurance for seniors in Maine by comparing quotes.
pros
Relatively affordable at $548 per year
High customer satisfaction score
Offers rideshare insurance
cons
Below-average claims ratings
Lower coverage score
COMPANY HIGHLIGHTS
State Farm scores highly in affordability and customer satisfaction, so senior drivers in Maine can get a good combination of cost and quality from this provider.
The insurer offers common coverages, including roadside assistance. This coverage comes in handy when your car breaks down and you need to pay for services like towing, gas delivery or mechanical labor. In case your car needs to be in the shop for repairs, rental car or travel reimbursement coverage will pay for the travel expenses you incur in the meantime. State Farm has limited unique coverages, but these two core coverages are ideal for seniors.
This provider also offers seniors discounts, which can help make rates even more affordable. Defensive driving and safe driving discounts are also available.
What Makes an Insurer the Best for Seniors?
Good policies for seniors should combine affordability, excellent service and coverages tailored to meet the needs of seniors who are more susceptible to injuries in case of a crash. Full coverage policies with personal injury protection (PIP) are a good option.
State Farm ranked first in this category due to its high ratings for affordability and customer satisfaction. The runner-up did score better for coverage options.
Best Car Insurance in Maine for Drivers With Offenses
State Farm is the best car insurance in Maine for drivers with violations. We scored providers based on affordability and service quality for full coverage policies for drivers with violations.
The best companies are:
- State Farm: MoneyGeek score of 90 out of 100 (approximately $645 per year)
- Travelers: MoneyGeek score of 86 out of 100 (approximately $987 per year)
State Farm ranked highly for affordability and satisfaction. In Maine, drivers pay an average of $230 more with an at-fault accident, $362 more with a DUI and $105 more with a speeding ticket.
Comparing quotes will help you find cheap car insurance after a driving violation in Maine.
pros
Most affordable option at $645 per year
Offers roadside assistance and rental car reimbursement
High customer satisfaction scores
cons
Low claims scores
No accident forgiveness coverage
Lower coverage score
COMPANY HIGHLIGHTS
State Farm is the most affordable company for Maine drivers with violations. This insurer also has high customer satisfaction ratings, so policyholders get a balance of cost and quality service.
State Farm offers roadside assistance, which helps to cover the cost of services like mechanical labor, towing or gas delivery services. You may incur these costs when your car breaks down. This insurer also offers travel or rental car reimbursement coverage, which compensates you for travel expenses that you incur when your car is being repaired.
Drivers can also save on their premiums by taking advantage of various discounts offered by State Farm, including bundling discounts, multiple car discounts and discounts for safety equipment like anti-lock brakes and anti-theft systems installed in the vehicle.
What Makes an Insurer the Best for Drivers With Offenses?
An insurance company that has good policies for drivers with violations will offer affordable rates, coverages and discounts that help to reduce premiums while offering comprehensive protection.
State Farm won in this category for its high affordability and customer satisfaction ratings. J.D Power Customer Satisfaction Survey 2022 ranks State Farm among the top ten companies for customer service. The runner-up did earn better scores for claims and coverage options.
Best Car Insurance in Maine for Drivers With New Cars
Travelers is the best car insurance provider in Maine if you have a new car. We ranked providers based on affordability, customer service and availability of new or better car replacement coverage for drivers with a 2022 model car.
The best insurers for drivers with new cars are:
- Travelers: MoneyGeek score of 89 out of 100 (approximately $687 per year)
- Allstate: MoneyGeek score of 74 out of 100 (approximately $1,046 per year)
Travelers ranked highly for affordability and coverages. New car replacement coverage offers protection to drivers with new cars less than five years old by paying for the car to be replaced with a brand-new car of the same make and model.
pros
Most affordable option at $687 per year
Offers new car replacement coverage
High coverage score
cons
Average claims ratings
Lower satisfaction score than other providers
COMPANY HIGHLIGHTS
Travelers ranked first for affordability and received high coverage scores. This means policyholders get a good combination of affordable rates and excellent protection.
If you have a car that is less than five years old, the new car replacement coverage helps to secure your investment by ensuring that if your car is totaled, you will be compensated with a brand-new car of the same make and model. This coverage is an add-on, so you will need to pay more to have it included in your car insurance policy.
Travelers also offers policyholders accident forgiveness as an add-on option. This coverage helps to protect you from premium increases after an at-fault accident, but it only applies to your first at-fault accident within a specified period.
What Makes an Insurer the Best for Drivers With New Cars?
Drivers with new cars should look for insurers that offer new or better car replacement coverages to protect their investment. Cost and service records are also important considerations when choosing a provider.
Travelers won this category based on their high coverage scores and affordability. This insurer also offers new car replacement coverage, which is ideal for those with new cars. The runner-up did score better for customer satisfaction.
Best Car Insurance in Maine for Military Drivers
USAA is the best car insurance company in Maine for drivers with a military background, scoring 94 out of 100. A full coverage policy from USAA costs $462 per year. USAA offers a balance of cost, quality coverage and custom coverages tailored for military members.
pros
Cheapest rates at $462 per year
Offers accident forgiveness
Ranks first for customer satisfaction
cons
Limited coverages
Lower score for claims management
COMPANY HIGHLIGHTS
USAA ranks first for both affordability and customer satisfaction, so eligible drivers can get a good balance of cost and great service. Only drivers with a military background are eligible for a USAA policy. USAA offers core coverages, including roadside assistance. This covers the cost of services like towing or mechanical labor in case your car breaks down and you need assistance. Drivers can also get travel reimbursement coverage to pay for any travel expenses incurred while the car is in the garage for repairs.
Accident forgiveness is also available for those who remain accident-free for five years. With this coverage, your premiums will not increase after your first at-fault accident. USAA offers military discounts for drivers who garage their vehicles on base. Other discounts include loyalty, safe driving and multiple car discounts.
How to Find the Best Car Insurance in Maine for You
When shopping for the best car insurance in Maine, you should look for a balance of affordability, good customer service and financial stability. MoneyGeek collected this data for you, but you can also do your own research using the following steps.
1
Research customer service reputations in Maine
MoneyGeek’s analysis includes customer service data for insurers in Maine. You can also research your preferred insurer by looking up J.D. Power satisfaction scores and NAIC complaint ratios. The Maine Department of Insurance website also has useful resources that you can use.
2
Compare quotes
MoneyGeek’s quotes are averages for sample drivers across Maine. To get accurate estimates of insurance costs for your profile, we recommend getting quotes from at least three different auto insurance providers.
3
Find the coverages you want in Maine
Insurers may not always have the coverages and discounts they advertise in every state. It is best to confirm with your preferred provider which coverages and discounts are available in your area so that you can choose a policy that best suits your needs.
4
Check financial stability ratings
When shopping for car insurance, consider how likely a provider is to honor their financial obligations by looking at their financial strength ratings. Large insurance companies will typically have high financial strength ratings, while smaller regional companies may have lower scores.
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Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
FAQs About the Best Car Insurance in Maine
The best car insurance in Maine for you will depend on your profile and coverage requirements. We have answered the most common questions to help you learn more.
What is the best way to figure out which insurer is best for me in Maine?
Craig Joncas:
Different factors can make up the “best” car insurance for each individual or family. For some, it may just be the cheapest option for the required coverage that turns out to be the best. Others may value factors like customer service, claims-paying experience, the health of the insurance company or more.
One great resource is the Maine Insurance Bureau. It can provide you with basic education and an overview of some of the complaint history and policy forms of the state’s largest employers. In addition to some educational material, this may provide a starting point for deciding which insurers to contact for quotes.
Another good resource to confirm the customer experience would be JD Power. From here, you can either contact each insurer directly or contact a local broker who can quote multiple carriers. I usually recommend doing both! Having 2-4 quotes from different types of insurers is a good idea. Just make sure they are quoting apples-to-apples coverage so you know it is fair. You may want to have your coverage needs decided on ahead of time or have your broker help you decide. Make sure to ask how you can benefit from discounts if available!
What are the best coverages to add to your car insurance policy in Maine?
Craig Joncas:
Basic insurance coverage typically involves liability for both bodily injury and property damage, collision, uninsured motorists and comprehensive insurance which covers damage that hasn't occurred due to an accident.
The first important item to establish is the minimum coverage required by law in Maine. To satisfy the financial responsibility law in Maine, you must buy a minimum of $50,000 liability for the injury to or death of any one person; $100,000 liability for one accident resulting in injury to or death of more than one person; and $25,000 liability for property damage. These amounts are usually shown as $50/100/25 on your insurance policy.
A combined single limit (that combine bodily injury and property damage liability) of $125,000 is also acceptable. You cannot register your vehicle without proof that you have this minimum amount of insurance. Uninsured motorist bodily injury of $50/100 (or a combined single limit of $100,000) and a minimum of $2,000 for medical payments coverage is also required. Most people should carry more than these minimums, and we would suggest 100/300/100 at a minimum.
In addition to these basic coverages, people should also consider an umbrella policy that would cover a liability of at least $1,000,000. In Maine, there is a $750,000 wrongful death statute. Finally, people without a AAA, or another roadside assistance package, may want to consider adding that to their insurance policy. Rental reimbursement can also be added, to cover the cost of a rental while the car is being repaired after an accident.
About Mark Fitzpatrick
sources
- J.D. Power. "Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds." Accessed February 25, 2023.