Maine Car Insurance Calculators: Get Instant Estimates

• Rate data comes from Quadrant Information Services, sourced from insurer filings across Maine.
• The ZIP rate calculator reflects what drivers with your profile are paying in your specific area, not a statewide average.
• This page was written and reviewed by MoneyGeek's licensed insurance analysts, who do not accept payment from insurers to influence recommendations.
• MoneyGeek's editorial findings are independent. No insurance company partnership affects the rates or rankings shown here.

Maine has 11 insurers writing policies in the state, and the rate difference between them is wide. MMG posts the lowest minimum coverage rate at $27 a month. Allstate charges the most at $55. That's a $28 monthly difference, or $336 a year, for the same driver on the same coverage.

Most comparison websites don't list every company that writes in Maine, which means many drivers never see MMG Insurance in their results. MMG has lower brand recognition than GEICO or State Farm, but prices lower for drivers who don't have a perfect driving record. Start shopping with MoneyGeek's cheapest car insurance in Maine to see the full rate set.

Where your car is parked overnight determines the ZIP code used to calculate your rate. Lewiston, Maine's highest-cost city, averages $45 a month for minimum coverage and $88 a month for full coverage. Presque Isle, in Aroostook County, averages $35 a month for minimum and $70 a month for full, a $10 monthly difference on minimum coverage, or $120 a year, for the same driver and vehicle.

Lewiston's higher traffic density and claim frequency drive that difference. Drivers who can choose which address they register their car at should get quotes at both before committing. The $18 a month full coverage difference between Lewiston and Presque Isle adds up to $216 a year.

Maine prices young drivers at 2.6 times the adult rate. Adults average $78 a month for full coverage. Young drivers average $203 a month, a $125 monthly difference, or $1,500 a year. The rate difference among young drivers is wider still: Travelers charges young drivers $131 a month while Farmers charges $272, a $141 difference for the same coverage and profile.

Most drivers assume turning 25 automatically fixes their rate. The passive drop is real, but it's only one lever. A young driver at Farmers who switches to Travelers at 25 captures both the age drop and the carrier difference at once, moving from $272 to $54 a month. Staying with the same insurer gets you one savings. Switching companies gets you both.

Maine allows credit-based insurance scoring, and the difference here is larger than most drivers expect. Excellent credit costs $120 a month for full coverage. Poor credit costs $323, a $203 monthly difference, or $2,436 a year. That credit difference is larger than the full cost of minimum coverage for the same driver.

Most drivers assume their rate improves automatically at renewal when their credit goes up. It does, passively. But switching companies at the same time captures the credit improvement and the carrier difference at once. A driver who improves their credit and re-quotes with a different company gets both savings simultaneously.

An at-fault accident adds $32 a month to a clean-record rate, bringing full coverage to $110, or $384 more per year. A DUI adds $82 a month, bringing full coverage to $160, or $984 more per year. Maine requires an SR-22 for three years after a DUI conviction per Title 29-A. The Maine Bureau of Insurance says rate increases from violations apply for three policy years after conviction.

Most drivers assume they need to wait for the SR-22 to expire before their rate improves. That's wrong. Maine's record lookback runs 3–5 years depending on the insurer, and violations may age off before the SR-22 does. Re-shop when the violation clears, then re-shop again when the SR-22 expires at year three. Those are two separate windows.

Full coverage costs $78 a month in Maine. Minimum coverage costs $38, a $40 monthly difference, or $480 a year. Maine's minimums are $50,000 per person and $100,000 per accident for bodily injury, and $25,000 for property damage, which is above the national 25/50/25 floor. But $50,000 per person won't cover a serious multi-injury crash, and $25,000 in property damage won't cover many newer vehicles.

The traditional advice is to drop to minimum to save money. In Maine, that costs more. Maine DOT found more than 6,000 deer crashes and over 200 moose crashes annually in its 2020–2024 data, and minimum coverage excludes comprehensive for wildlife strikes. The carrier spread on full coverage is $47 a month, wider than the $40 gap between full and minimum, and switching saves more than dropping.

Comprehensive coverage pays for damage to your own car from events other than a collision. Wildlife strikes, theft, fire, and weather are all covered. Maine DOT recorded 217 moose crashes in 2024, with serious injuries in 15.7% of moose cases over the 2020–2024 period. A moose strike on a vehicle without comprehensive coverage means you pay the full repair or replacement cost out of pocket.

The Maine Bureau of Insurance consumer guide says to compare your annual premium to your car's current value when deciding whether to keep comprehensive. If your car is worth $8,000 and your annual comprehensive premium is $400, that's 20 years of premiums to cover the value. Run that comparison with your actual vehicle value before dropping coverage.

Maine law requires uninsured/underinsured motorist coverage on every policy. You can't remove it without signing a written rejection form before the policy takes effect. The Maine Bureau of Insurance says the BMV estimates roughly 7% of Maine operators are uninsured. UM/UIM pays your bills when the driver who hit you has no insurance. The required minimum is $50,000 per person and $100,000 per accident.

The recommended coverage amounts are higher than Maine's legal minimums because the minimums aren't enough for a serious crash. Maine requires $50,000 per person and $100,000 per accident for bodily injury, and $25,000 for property damage. A multi-person injury crash or a newer vehicle can exceed those limits quickly. You're personally responsible for every dollar above your policy limit.

Maine is an at-fault state. If you cause a crash, you're personally responsible for every dollar of damage and injury above your policy limit. That means court judgments, not just insurance claims. Drivers with assets to protect (home equity, retirement savings, or steady income) should carry at least $100,000/$300,000/$100,000 in liability coverage to put a real barrier between a bad crash and their finances.

Bodily injury liability pays the medical bills and legal costs of people you injure when you're at fault. The Maine Bureau of Insurance requires a minimum of $50,000 per person and $100,000 per accident. Hospital and legal costs in a serious crash can exceed those limits. Drivers with savings or home equity should carry limits above the minimum to protect what they own.

Property damage liability pays for damage you cause to other people's cars and property when you're at fault. Maine's required minimum is $25,000. Many vehicles on the road today cost more than $25,000 to repair or replace. If the damage exceeds your limit, you pay the difference.

Uninsured and underinsured motorist coverage pays your bills when the driver who hit you has no insurance or not enough to cover the damage. Maine law requires this on every policy; you can't remove it without a written rejection. The Maine Bureau of Insurance says 7% of Maine operators are uninsured. Your UM/UIM limit must match your liability limit unless you elect a lower amount.

Collision pays for damage to your own car from a crash, regardless of fault. Comprehensive pays for damage from events other than a collision: wildlife strikes, theft, fire and weather. Maine DOT recorded over 6,200 animal crashes in 2024, and moose crashes carried a 15.7% serious injury rate over the 2020–2024 study period. Comprehensive is what pays when a deer or moose totals your car.

Gap insurance pays the difference between what your car is worth right now and what you still owe on the loan if it's totaled. Cars lose value faster than loans pay down, especially in the first two years. If your car is totaled and you owe $22,000 but it's only worth $18,000, gap coverage pays the $4,000 your standard policy won't.

An SR-22 is a form your insurance company files with the Maine Bureau of Motor Vehicles to confirm you have active coverage. It's not a type of insurance; it's a certificate that proves coverage exists. Per Title 29-A of Maine law, the SR-22 requirement runs for three years from the date the state demands compliance.

A DUI/OUI conviction, driving without insurance, or another serious violation triggers the requirement. If your coverage lapses while an SR-22 is on file, your insurer notifies the state automatically, which can result in license suspension. MoneyGeek's Maine SR-22 guide shows which insurers write SR-22 policies in Maine and what they charge.