The Best Car Insurance in Maine for 2022
The best car insurance companies balance affordability with other important factors like financial stability and customer service. GEICO is Maine's best car insurance company, ranking highest affordability, tying for first in satisfaction ratings and tying for second in claims.
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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
MoneyGeek compared car insurance companies based on their rates, customer service and other criteria. GEICO is the best insurance provider in Maine, but your specific situation will determine which company is best for you.
MoneyGeek also investigated the cheapest auto insurance providers in Maine, especially for those on a budget.
The Best Car Insurance in Maine
Best Car Insurance Companies in Maine: Overall
According to our study, the cheapest and best car insurance providers in Maine are:
- GEICO: 4 out of 5
- MetLife: 4 out of 5
MoneyGeek researched the top auto insurance companies in Maine based on a variety of factors, such as claims rating, affordability and overall customer satisfaction.
The Top 5 Car Insurance Companies in Maine
GEICO, Maine's best insurer, quotes about $460 yearly. It 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.
Mechanical Breakdown Insurance (MBI) from GEICO covers all parts and systems on cars under 15 months old and under 15,000 miles at a cheaper rate than a dealer-extended warranty. Your insurance rate will not increase as a result of your first at-fault accident if you have Accident Forgiveness on your GEICO vehicle insurance policy. You can buy accident forgiveness or earn it by driving safely.Read MoneyGeek's GEICO auto Insurance Review
MetLife, Maine's second-best insurer, quotes about $498 yearly. It tied for second in financial stability and claims, was rated second in affordability and third-best in user satisfaction. Its Glass Deductible Modification provides a one-of-a-kind coverage.
Farmers recently purchased MetLife, which now offers the same coverages and discounts that Farmers offers to its policyholders. For repairs for cars up to 10 years old, the Original Equipment Manufacturers (OEM) coverage pays for OEM components. The company's Glass Deductible Modification lets you decrease your comprehensive insurance's deductible to $100 when the damage is limited to glass.Read MoneyGeek's MetLife auto Insurance Review
State Farm quotes about $599 yearly and 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.
The unique rideshare insurance add-on from State Farm protects your medical, roadside assistance and rental vehicle reimbursement coverages under your auto insurance policy while working for a ridesharing company. Its roadside assistance plan covers things like mechanical labor, towing, fuel delivery, tire replacement and so on. If your car key is lost, stolen or locked inside, you can obtain up to an hour of free locksmith service to help you get it unlocked.Read MoneyGeek's State Farm auto Insurance Review
Allstate tied for first in user satisfaction, second-best in financial stability and was rated the best in claims ratings. Regardless, the company has subpar affordability, with its average quote of $703 yearly. It offers sound system coverage.
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. 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.Read MoneyGeek's Allstate auto Insurance Review
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.
People who have leased or financed their car will find Travelers' gap insurance, also known as loan/lease insurance, to be useful. The difference between the actual cash value of your car and the outstanding debt on your auto loan or lease may be reimbursed 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
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:
Compare the Best Insurance Options in Maine
Auto insurance prices in Maine are influenced by the quality of service, the amount of coverage and the financial strength of the insurer. Other factors, such as your driving record and age, may also affect your premiums. Additionally, you should determine the insurer's ability to meet your insurance needs. MoneyGeek's in-depth review of the top car insurance providers in Maine can help you compare their policies and decide on the best one.
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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: 5 out of 5
- State Farm: 4 out of 5
MoneyGeek determined the best auto insurance companies in Maine solely based on user satisfaction and claims ratings, disregarding all other considerations.
The Top 2 Car Insurance Companies in Maine for Service Quality
Allstate was rated 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.
Allstate covers any tapes, compact discs or similar materials used with a car's sound system if you add portable electronics and media coverage to your comprehensive insurance. The difference between your primary auto insurance settlement and the outstanding balance on your car at the time of a loss is waived by Allstate GAP insurance coverage that you will have to purchase through your lender.Read MoneyGeek's Allstate auto Insurance Review
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.
If you cause an accident in your rental car, you can get up to $500 with State Farm’s rental car reimbursement, $500 for trip expenditures (meals, accommodation and transportation) and a $500 deductible refund. With roadside assistance, you'll have access to towing and other emergency roadside services for your broken-down vehicle 24 hours a day, seven days a week.Read MoneyGeek's State Farm auto Insurance Review
Best Car Insurance in Maine for Drivers on a Budget
For budget-conscious drivers in Maine, the following are the most affordable car insurance companies:
- GEICO: 4.2 out of 5
- MetLife: 3.8 out of 5
Individuals on a limited budget may opt for the state's minimum insurance. MoneyGeek rated Maine's insurers based on their state minimum insurance policy quotes.
MoneyGeek’s Pick: GEICO
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
No discounts for paying premiums in full and opting for paperless billing
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 seat belt, which will be tracked through your driving history. Having automatic seat belts installed in your vehicle may also verify that you don’t drive without wearing a seat belt.
Best Car Insurance in Maine for Poor 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: 4.2 out of 5
- GEICO: 4.1 out of 5
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.
MoneyGeek’s Pick: State Farm
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
No accident forgiveness, new car replacement or better car replacement coverages
State Farm has the lowest 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 $500 deductible repayment.
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. A perfect score of 5 out of 5 was awarded to the company in all categories.
It costs roughly $187 per year for a normal driver's state minimum auto insurance from USAA. However, it rises to around $507 per year for individuals who have a history of at-fault incidents.
MoneyGeek’s Pick: USAA
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
Only available for current and former military personnel and their families
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 you hire while your car is being repaired for covered damage.
- Rideshare insurance: Military personnel who work for a ridesharing operator will benefit from this add-on coverage. USAA provides this add-on coverage to safeguard you while you wait for a ridesharing request. This coverage may be added to your normal USAA automobile insurance policy for $6 per month.
- Legacy discount: Those under the age of 25 who were previously insured under their parents' USAA policy and obtaining their own USAA policy at present are eligible for a discount through this benefit.
- Vehicle storage discount: USAA policyholders who have a garaged automobile that is insured with the company might receive a discount.
Best Car Insurance in Maine for Young Drivers and Students
The best and most affordable coverage for young drivers in the state are from:
- Allstate: 4.6 out of 5
- GEICO: 4.6 out of 5
Allstate is the best insurance provider for young drivers and students for a range of reasons, including the following:
MoneyGeek’s Pick: Allstate
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
Insurance for students and young drivers, as well as their inclusion in an adult's policy, can be extremely expensive. Allstate, on the other hand, offers not only excellent customer service, but also low rates. Because young drivers are more likely to file claims, having a strong customer service from the company can be helpful.
Allstate’s discounts are available for students with good grades while attending full-time school and students who complete the teenSMART driver education course. In addition, student policyholders who attend a school 100 miles away from where their car is parked are eligible for reduced rates.
Best Car Insurance in Maine for Those With New Cars
MetLife earns the highest MoneyGeek rating in Maine for those with new cars, earning a 3.6 out of 5.
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 cover this for vehicles under five years old. In most cases, this type of insurance is not included in standard policies and needs to be purchased in addition to them.
MoneyGeek also found the best car insurance companies for first-time auto insurance buyers.
MoneyGeek’s Pick: Metlife
Affordable policies costing an average of $498 per year
Offers new car replacement coverage
Doesn’t offer better replacement coverage
Claims and user satisfaction ratings of 3.5 out of 5
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. Farmers, which recently acquired Metlife, will pay you to buy a brand new vehicle of the same make and model, even if your car is totaled within the first two model years and 24,000 miles. This is applicable if you buy its new car replacement add-on coverage.
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 a lot can pay for auto insurance based on the number of miles they drive each year. If you choose to go for low-mileage discounts, MoneyGeek summarized the most affordable low-mileage options.
MoneyGeek’s Pick: Nationwide
Provides low-cost coverage for infrequent drivers.
For frequent drivers, this coverage is more expensive than standard auto insurance.
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.
How to Find the Best Car Insurance in Maine in 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.
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.
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.
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.
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
A number of factors, including the amount of 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 on Finding the Best Auto Insurance in Maine
- What is the best way to figure out which insurer is best for me in Maine?
- What are the best coverages to add to your car insurance policy in Maine?
Financial Advisor & Chief Executive Officer
To find the best auto insurance in Maine, MoneyGeek considered evaluations from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We compared 384 quotes from eight companies across three ZIP codes in Maine to discover the best auto insurance companies in the state.
We focused our evaluation of the top companies in Maine on specific driver profiles. We used these profiles to determine the best category winners because cost and quality of service can vary substantially amongst drivers.
The following weightings were used to obtain a MoneyGeek composite score:
- General customer and claims satisfaction (60%): MoneyGeek ranked Maine providers on a scale of one to five, with customer and claims satisfaction surveys from J.D. Power each accounting for 30% of the total.
- Affordability (30%): MoneyGeek analyzed Maine suppliers and assigned a five-point affordability grade, with the most economical firm receiving a five.
- Financial stability (10%): MoneyGeek uses AM Best financial strength ratings to assess an insurer's capacity to pay claims even in difficult economic times.
We also changed the weightings within categories in several cases:
- Affordability was given no weight in the best customer service category.
- We utilized minimum coverage insurance rather than a full coverage policy for the best on a budget category.
- If necessary, scores were adjusted for the cost to reflect rates based on a driver's age or driving history.
- When organizations offered particular coverages that their competitors did not, we gave qualitative judgments.
We utilized the following limits while assessing a full coverage policy:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
MoneyGeek compiled Maine premiums using an example driver profile of a 40-year-old man with a clean driving record driving a Toyota Camry. Quadrant Information Services provided quotes for average premiums based on a full coverage insurance. More information on MoneyGeek's auto insurance methodology, including how we collect and evaluate data, can be found here.
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