Travelers offers Maine's most affordable car insurance, with monthly rates of $28 for minimum coverage and $52 for full coverage. You'll save $18 monthly (31%) compared to state averages. Get quotes from MMG, GEICO, Progressive and Frankenmuth too.
Cheapest Car Insurance in Maine
Updated: August 13, 2025
Advertising & Editorial Disclosure
Key Takeaways
Travelers, MMG and GEICO rank as the cheapest car insurance companies in Maine, with Travelers offering rates 31% below the state average.
Car insurance costs in Maine start at $27 monthly for minimum coverage, while full coverage averages $52 per month.
To find affordable car insurance in Maine, research costs from top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Maine?
| Travelers | $28 | $52 | -31% |
| MMG Insurance | $28 | $64 | -22% |
| Geico | $33 | $64 | -17% |
| Progressive | $34 | $67 | -14% |
| Frankenmuth Insurance | $33 | $72 | -11% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN MAINE
We've created additional guides below to help you in your search for the best and cheapest car insurance in Maine:
Best Car Insurance Rates by Category in Maine
Travelers offers the lowest rates for five out of 10 driver categories in Maine, including young, adult, and senior drivers, while MMG leads in three categories with particularly affordable rates for drivers with accidents or poor credit. Below, you can review rates for your driver profile.
| Young Drivers | Travelers | $66 |
| Adult Drivers | Travelers | $29 |
| Senior Drivers | Travelers | $27 |
| Drivers With An Accident | MMG Insurance | $33 |
| Drivers With A DUI | Travelers | $44 |
| Drivers With A Speeding Ticket | Geico | $33 |
| Drivers With Bad Credit | MMG Insurance | $68 |
| Drivers With Low Income | MMG Insurance | $41 |
| Drivers With Newer Cars | Travelers | $27 |
| Drivers With Old Cars | Auto Owners | $28 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Maine for You
The tables above show overall winners, but your cheapest option depends on your situation. For example, MMG Insurance offers the lowest rates at $117 monthly for drivers with poor credit and an accident who want 100/300/100 coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| MMG Insurance | $117 | $1,399 | -66% |
| Vermont Mutual Insurance | $148 | $1,774 | -57% |
| Auto Owners | $259 | $3,111 | -24% |
| Frankenmuth Insurance | $288 | $3,455 | -15% |
| Farm Bureau | $289 | $3,470 | -15% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Maine by City
Where you live in Maine affects your insurance costs based on local crime, accidents and traffic density. Travelers charges as little as $26 in Abbot but costs vary across cities. Here are the cheapest providers for every Maine city:
Data filtered by:Results filtered by:
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City:Abbot
| Abbot | Travelers | $26 | -36% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
How to Get the Cheapest Car Insurance in Maine
Finding the lowest-priced insurance companies is just one part of getting affordable car insurance in Maine. Check out these proven ways to save the most on auto insurance.
- 1
Compare Multiple Insurance Providers
Get quotes from several insurance companies through different channels like independent agents, comparison sites and direct from providers. Your rates can vary significantly between companies, so comparing at least three options helps you find the best deal.
- 2
Determine Your Coverage Needs
Know what coverage you need before shopping to avoid paying for unnecessary add-ons while ensuring adequate financial protection. Consider your vehicle's value, assets and state requirements when choosing coverage levels.
- 3
Consider Lower Coverage Amounts
Reducing your coverage level and raising deductibles can lower your premium costs if budget is a concern. Just be sure to evaluate your financial situation, driving habits and vehicle value before making this choice.
- 4
Research Costs and Available Discounts
Look into average auto insurance costs for drivers like you to benchmark potential savings. Check for discounts you qualify for and compare home and auto insurance bundle prices to maximize your savings.
- 5
Look Into Alternative Insurance Options
Consider pay-per-mile car insurance if you don't drive much, or try telematics programs that track driving habits for potential discounts. Some car manufacturers also offer their own insurance programs with competitive rates.
- 6
Work on Your Risk Profile
Improve your credit score and maintain a clean driving record to qualify for better rates. Insurance companies view drivers with good credit and safe driving habits as lower risks.
- 7
Choose a Cost-Effective Vehicle
If you're shopping for a car, pick a cheaper car to insure to keep your premiums low. Older vehicles with good safety ratings and reasonable repair costs typically cost less to insure.
Risks of Getting the Cheapest Car Insurance in Maine
Maine requires drivers to carry liability insurance with minimum coverage of 50/100/25. This means you need $50,000 for injuries to one person, $100,000 total for injuries in one accident and $25,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Maine, average property damage claims hit $4,300 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Maine gets hit with severe weather that damages cars regularly. The National Centers for Environmental Information reports weather-related property damage averaged $3,200 per incident in 2023. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against ice storms, flooding and severe weather that frequently hit Maine.
Bodily injury damage is more likely to be higher than the minimum limits
Maine's minimum bodily injury coverage of $50,000 per person often isn't enough for serious accidents. The Insurance Information Institute reports average bodily injury claims in Maine reached $25,000 in 2023. With rising medical costs, consider increasing coverage to 100/300/100 for better financial protection against lawsuits.
Not having uninsured motorist coverage opens you up to unexpected costs
Maine has a serious uninsured driver problem, with 12% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Add uninsured motorist coverage to protect yourself financially in these situations.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Maine, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so adding comprehensive coverage is worth it in high-risk areas.
Cheap Car Insurance in Maine: Bottom Line
Travelers offers the lowest car insurance rates in Maine for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Maine: FAQ
Below, we answer common questions about finding affordable car insurance in Maine to help you save money.
What are the cheapest car insurance companies in Maine?
Travelers provides the most affordable car insurance in Maine, with average annual rates of $336 for minimum coverage and $624 for full coverage. MMG, GEICO, Progressive and Frankenmuth also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Maine?
Travelers provides the most affordable rates for young drivers in Maine, with monthly premiums starting at $66 for minimum coverage.
Who offers the cheapest car insurance rates for seniors in Maine?
Senior drivers in Maine can find the most competitive rates with Travelers, offering policies for those 65 and older at an average of $27 per month for minimum coverage.
Who has the cheapest car insurance in Maine for bad credit?
MMG provides the most affordable rates for bad-credit drivers in Maine, with monthly premiums averaging $68 for minimum coverage.
Who has the cheapest car insurance in Maine with an accident?
MMG offers the most affordable car insurance rates for Maine drivers with an accident history, starting at $33 per month for minimum coverage.
Who has the cheapest car insurance in Maine with a DUI?
Travelers provides the cheapest car insurance after a DUI in Maine, with rates of $44 monthly for minimum coverage and $84 monthly for full coverage.
Who has the cheapest car insurance in Maine for those with a speeding ticket?
Maine drivers with a speeding ticket can find the lowest insurance rates with GEICO, charging $33 monthly for minimum coverage and $64 for full coverage.
Should you buy the cheapest car insurance in Maine?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. Travelers balances low prices with solid coverage options in Maine.
How We Found the Most Affordable Car Insurance in Maine
MoneyGeek collected auto insurance data from the Maine Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Maine.
Maine Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Maine
We compared car insurance companies in Maine that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Maine.
The minimum coverage liability limits in Maine are:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury
- $25,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed August 16, 2025.
- https://www.iii.org/fact-statistic/facts-statistics-auto-insurance . "Facts + Statistics: Uninsured Motorists ." Accessed August 16, 2025.
- National Centers for Environmental Information . "Climate at a Glance: Statewide Time Series ." Accessed August 16, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 16, 2025.