Cheapest Car Insurance in Maine

Compare the monthly car insurance rates in Maine below based on your age and driving history to find the cheapest company for you:

Cheapest by coverage type

• Full coverage: Travelers, $54
• Minimum coverage: MMG Insurance, $28

Cheapest by driver age

• Teen drivers (16): MMG Insurance, $101
• Young drivers (20): Travelers, $59
• Seniors (65+): MMG Insurance, $27

Cheapest by driving record

• Clean record: MMG Insurance, $33
• Speeding ticket: GEICO, $32
• At-fault accident: MMG Insurance, $33
• DUI: Progressive, $43
• Bad credit: MMG, $67

Rates refreshed: November 2, 2025

MMG has the cheapest minimum coverage car insurance at $28 monthly ($330 yearly), 15% below state averages. Travelers is the second least expensive option at $30 monthly, and GEICO is $32 monthly.  Each option will save you money compared to state averages.

Maine requires $50,000 in bodily injury liability per person, $100,000 per accident and $25,000 in property damage liability (50/100/25). The state also requires $2,000 in medical payments coverage and $50,000 in uninsured motorist coverage, making it one of the few states requiring UM protection.

Minimum coverage is cheaper, but it may not be enough coverage. We recommend 100/300/100 coverage limits to protect you from out-of-pocket expenses in the case of a serious accident. See our guide to how much car insurance you need.

Travelers has the cheapest full coverage rates at $54 monthly ($644 yearly), saving you 17% compared to state averages. GEICO ($62 monthly) and MMG Insurance ($64 monthly) are solid alternatives for cheap rates in Maine.

Full coverage combines liability, comprehensive, and collision protection into one policy. In Maine, comprehensive covers damage from winter storms, flooding, and theft, while collision pays for repairs if you cause an accident. This matters more in Maine due to harsh winters, seasonal coastal flooding, and heavy tourist traffic that increase accident risk.

The cheapest minimum coverage in Maine by city ranges from $27 in Bangor to $36 in Lewiston, while full coverage ranges from $50 in Bangor to $58 in Lewiston. Travelers has the lowest premiums in most of the state’s major cities and will save you up to 34%.

Auto-Owners offers the most affordable rates for 16-year-olds, charging $211 monthly for full coverage and $101 monthly for minimum coverage.  Travelers becomes the cheapest option by age 18, with rates of $163 for full coverage and $84 for minimum coverage. 

By 25, full coverage costs just $61 monthly with Travelers, while minimum coverage is $32 monthly. Young drivers should stay on their family policy to lower their rates in Maine.

MMG Insurance offers the cheapest minimum coverage for seniors ages 65 to 90, starting at $27 monthly for 65-year-olds. Travelers has the cheapest full coverage for seniors ages 65 to 90, starting at $49 monthly for 65-year-olds. Senior discounts and defensive driving courses will lower your rates. Also, lower your mileage estimates if you drive less to save up to 30%.

High-risk drivers pay more for car insurance, but comparison shopping helps you find the lowest rates. Each insurer prices violations differently, so comparing quotes can save hundreds annually. 
Here's who offers the cheapest rates for each violation type and for poor credit:

• DUI: Progressive ($43 monthly for minimum coverage), MMG Insurance ($46) — about 30% more than clean record rates
• Speeding ticket: GEICO ($32 monthly for minimum coverage), MMG Insurance ($35)
• At-fault accident: MMG Insurance ($33 monthly for minimum coverage), Vermont Mutual Insurance ($37)
• Bad credit: MMG Insurance ($67 monthly for minimum coverage), Vermont Mutual Insurance ($83) 

Drivers requiring SR-22 filing should consult our guide to the cheapest SR-22 coverage in Maine.

Progressive offers the most affordable rates for Maine drivers with a DUI at $43 monthly for minimum coverage or $86 for full coverage. Travelers provides another budget-friendly choice at $87 monthly for full coverage. DUI violations typically increase your premiums, but Maine drivers have lower DUI car insurance rates compared to other states.

After an accident, MMG Insurance offers the most affordable rates in Maine at $33 monthly for minimum coverage and $76 for full coverage. Vermont Mutual ($37) and Frankenmuth ($39) are low-cost alternatives.

After an accident, shop for quotes annually since your rates will drop noticeably after three years. Taking a defensive driving course removes 3 points immediately and qualifies you for 5-20% insurance discounts to offset the violation's impact.

After a speeding ticket in Maine, GEICO has the cheapest minimum coverage at $32 monthly. MMG Insurance ($35 monthly) and Frankenmuth Insurance ($39 monthly) are your next best low-cost options.

Maine speeding violations add points to your driving record, with higher speeds resulting in more points. Many insurers provide accident forgiveness programs that extend to minor speeding infractions, preventing rate increases after your first offense. Consider completing a defensive driving course to remove points from your record and potentially secure lower insurance premiums.

Though drivers with poor credit pay more for auto insurance in Maine, there are affordable options. MMG Insurance has the cheapest minimum coverage at $67 monthly. Vermont Mutual Insurance follows at $83 monthly, while GEICO costs $112 monthly. Maine allows insurers to consider credit-based insurance scores when setting rates.

Boosting your credit score 50 to 100 points can reduce insurance rates within six to 12 months. Compare quotes every six months while rebuilding credit since insurers evaluate credit differently when setting premiums.

With car insurance rates increasing in Maine, these strategies will help you find the cheapest coverage:

Our insurance experts answer common questions about finding the most affordable car insurance coverage in Maine.

We gathered auto insurance data from the Maine Bureau of Insurance and analyzed quotes from major insurers across all residential ZIP codes in Maine. Our analysis included more than 47 million rate comparisons in Maine to find the cheapest options for different driver profiles, coverage types and demographics. For detailed information on our research methodology, see our complete methodology guide.