Best Cheap Car Insurance Companies for High-Risk Drivers in Maine


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Updated: May 20, 2024

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Insurance companies will often look at your driving history when calculating your premiums. A record of violations could cause your premiums to skyrocket.

To ensure you’re getting the best possible deal, shop around and compare quotes from multiple providers. You may also refer to MoneyGeek’s guide to finding the best and cheapest high-risk car insurance. Our research has determined that State Farm is the best and most affordable option in Maine, with a policy costing an average of $681 per year.

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2024

Best Companies for High-Risk Drivers in 2023

Drivers convicted of a DUI or have violations on their record, such as a speeding ticket, are considered riskier to insure by insurance providers, which is reflected in their premiums. Teen drivers are also viewed as high-risk because their inexperience may make them more prone to road accidents.

In Maine, a driver with a clean record can expect to pay an average of $632 for a standard auto insurance policy, whereas a driver classified as high-risk will need to pay $882 for the same policy. This 27% increase in premiums offsets the potential costs of having to payout for multiple claims.

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WHAT EXACTLY IS A HIGH-RISK DRIVER?

Depending on the auto insurer, several factors can put you in the high-risk driver category. Some insurers may view your sports car as an accident that’s waiting to happen, especially if a teen driver is behind the wheel.

Generally, insurance companies will zero in on whether you have a history of serious violations on your record. Most insurers classify the following as high-risk drivers:

  • Drivers with a history of traffic violations or at-fault accidents
  • Drivers with a DUI conviction
  • Drivers caught driving with a suspended or revoked license
  • Young drivers with a lack of driving experience
  • Drivers who drive sports cars or participate in drag racing
  • Drivers with bad credit or lapses in insurance coverage

Cheapest Car Insurance in Maine for High-Risk Drivers

MoneyGeek found that State Farm provides the cheapest car insurance for high-risk drivers in Maine. A policy from this insurer has an average annual premium of $681 for various types of high-risk drivers.

Learn more about this company’s pros, cons and average auto insurance rates from MoneyGeek’s review of State Farm.

State FarmAnnual Premium$681
AllstateAnnual Premium$862
GEICOAnnual Premium$891
TravelersAnnual Premium$915
ProgressiveAnnual Premium$1,060
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SR-22 INSURANCE

High-risk drivers convicted of a major violation, such as driving with a suspended license, often need SR-22 insurance.

In Maine, SR-22 insurance is required to prove financial responsibility and that your policy meets the state’s minimum liability coverage.

Best Car Insurance in Maine for High-Risk Drivers

Based on MoneyGeek’s in-depth study, State Farm is the best car insurance provider for high-risk drivers in Maine, with an impressive score of 96 out of 100. Allstate is the runner-up, scoring 69 out of 100.

Read our State Farm review and Allstate review for more detailed analyses of these auto insurance companies.


1
State FarmBest for High-Risk Drivers
Score:96

5/5

Affordability Rating

5/5

Satisfaction Rating

4.5/5

Claims Rating

5/5

Financial Stability Rating

Geek Quick Take
Geek Quick Take

State Farm's auto insurance for high-risk drivers in Maine costs around $681 per year. This is 12% higher compared to the rates for drivers with clean records.

More About State Farm

State Farm is one of the country’s top-rated insurers that offers inexpensive rates even to high-risk drivers. There are several discounts for students and good drivers, and policies are widely available in all 50 states and Washington, D.C. One of State Farm’s downsides is the limited number of add-on coverages, which might be a dealbreaker if you’re looking for more protection.

2
Allstate
Score:49

0.8/5

Affordability Rating

4.5/5

Satisfaction Rating

5/5

Claims Rating

4.5/5

Financial Stability Rating

Geek Quick Take
Geek Quick Take

In Maine, Allstate’s car insurance for high-risk drivers is priced at approximately $862 per year, which is 18% more expensive than rates for the average driver with a spotless driving record.

More About Allstate

Allstate is MoneyGeek’s runner-up for best car insurance provider in Maine for high-risk drivers because of its affordability, especially for young drivers. Its policies are also widely available in all 50 states and Washington, D.C., with the option to add rare coverages like custom parts and sound system coverages as endorsements. However, this insurer doesn’t offer common discounts, such as those for defensive driving education and insuring multiple cars.

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MONEYGEEK EXPERT TIP

Drivers on a budget need not forgo car insurance because there are still affordable options in the market. MoneyGeek recommends exploring low-income car insurance in Maine, such as minimum liability coverage insurance and pay-per-mile insurance. But make sure to shop around to find the lowest rates.

Cheapest Car Insurance in Maine for Drivers With a DUI

You will certainly see a dramatic increase in your premium following a DUI conviction. According to MoneyGeek’s extensive research, drivers with a DUI could get the cheapest car insurance in Maine from State Farm. This costs $661 per year on average. For more information on this insurer, go over our State Farm review.

If you have a military background, another affordable option is USAA.

State FarmAnnual Premium$661
ProgressiveAnnual Premium$841
AllstateAnnual Premium$920
TravelersAnnual Premium$1,048
GEICOAnnual Premium$1,205
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LOOK-BACK PERIODS

The look-back period is the length of time that a DUI conviction stays on your driving record. How long this period lasts varies depending on the state. For instance, Maine has a 10-year look-back period. But this generally is long enough to account for previous offenses that could lead to harsher penalties.

Cheapest Car Insurance in Maine for Teenage Drivers

With policies costing an average of $2,038, GEICO is MoneyGeek’s pick for the cheapest car insurance provider for teen drivers in Maine. But premiums can vary as much as 44% for the typical 16-year-old compared to a 19-year-old driver, so it is best to get a personalized quote. Read our GEICO review for the latest information.

GEICOAnnual Premium$2,038
AllstateAnnual Premium$2,073
State FarmAnnual Premium$2,788
ProgressiveAnnual Premium$4,915
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MONEYGEEK EXPERT TIP

Car insurance can be expensive for teenage drivers. But given that young, inexperienced drivers are more likely to encounter road mishaps, MoneyGeek recommends purchasing full coverage insurance over Maine's minimum coverage option. We’ve also outlined some solid options for affordable car insurance for young drivers and students on a budget.

Cheapest Car Insurance in Maine for Drivers With Bad Credit

GEICO is MoneyGeek’s top pick for the cheapest car insurance for Maine drivers with a bad credit history. Drivers with poor credit should expect to pay an average of $792 per year, a 46% increase in premiums compared to drivers with good credit.

Check out our GEICO review for more information on this provider’s car insurance offerings, including coverages, average rates and available discounts.

GEICOAnnual Premium792Percent Change46%
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MONEYGEEK EXPERT TIP

Auto insurance companies might classify you as a high-risk driver and charge higher premiums if you have bad credit. But you can save thousands of dollars on your car insurance just by shopping around. MoneyGeek has listed the best car insurance options for drivers with bad credit to help you find the provider that fits your needs.

How Much Does Car Insurance Cost for High-Risk Drivers in Maine?

MoneyGeek gathered data on multiple providers’ insurance rates for a high-risk driver compared to those of an average driver with an unblemished record. The infographic below shows that Maine's high-risk drivers pay about $250 more (or 27% more) than the average driver with a clean record at roughly $882 each year. Divers with clean records pay only $632.

Annual Car Insurance Cost in ME for Low-Risk vs. High-Risk Drivers

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Annual Premium

Low-Risk Driver

$632
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Annual Premium

High-Risk Driver

$882
In Maine, high-risk drivers pay:$250 more

This is 40% more expensive.

Get a rough estimate of your car insurance costs by using MoneyGeek’s Maine car insurance calculator. Our free online tool considers your personal details and preferred coverage to provide a personalized quote and immediately identifies the company with the cheapest rates in your state.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jul 12, 2024

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Can You Still Get Car Insurance in Maine if Insurers Refuse to Insure You?

Car insurance is a voluntary market, which means that companies have the right to deny you coverage, especially if you’re classified as a high-risk driver.

If you’re faced with this dilemma, we recommend finding an auto insurance residual market plan, specifically through the Automobile Insurance Plan Service Office (AIPSO). For almost five decades, this not-for-profit corporation has assisted high-risk drivers across the country who would otherwise have difficulty purchasing a policy.

Maine Automobile Insurance Plan

AIPSO created the Maine Automobile Insurance Plan (MEAIP) as its residual market plan across the state. It's an alternative auto insurance coverage provider for those with challenges purchasing a policy in the voluntary market.

Maine drivers may qualify for MEAIP coverage by certifying that they have been unsuccessful in their attempt to secure auto insurance within the preceding 60 days of their MEAIP application.

    building icon

    Office Hours

    Monday–Friday, 8:15 a.m.–4:30 p.m. ET

    subscribe icon

    Email

    meaip@aipso.com

    smartphone icon

    Phone

    (401) 528-1488

    (401) 946-2800

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    Fax

    (855) 224-7349

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    Mailing Address

    Northeast Region, 302 Central Ave., Johnston, RI 02919

Compare Auto Insurance Rates

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Frequently Asked Questions

Learn more about high-risk car insurance in Maine by reading MoneyGeek’s answers to some of the most commonly asked questions.

Which car insurance company is best for high-risk drivers in Maine?
How much does car insurance in Maine cost for high-risk drivers?
Who do insurers classify as a high-risk driver?
Where do I get car insurance coverage in Maine if insurers reject my application?

Methodology

MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.

To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.

To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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