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

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.

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.

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.

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.

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.

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.

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.

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.

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 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.

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.

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

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.