Cheapest Car Insurance in Maine for 2026

Travelers offers the cheapest car insurance in Maine at $52 per month for full coverage and $28 per month for minimum coverage.

Written by Mark Fitzpatrick

Updated: November 9, 2026

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Get the cheapest car insurance in Maine below:

Cheapest Minimum Coverage: Travelers at $28/month
Cheapest Full Coverage: Travelers at $52/month
Teen Driver, Age 16, Male (Full Coverage): Auto-Owners at $185/month
Teen Driver, Age 16, Female (Full Coverage): Auto-Owners at $145/month
Young Adults (Full Coverage): Travelers at $60/month
Senior Driver, 70+ (Full Coverage): Travelers at $48/month
Speeding Ticket (Full Coverage): GEICO at $65/month
At-Fault Accident (Full Coverage): Travelers at $77/month
OUI (Full Coverage): Travelers at $83/month
Bad Credit (Full Coverage): MMG Insurance at $157/month

Cheapest Car Insurance in Maine by Coverage Type

Travelers is the cheapest car insurance in Maine for both minimum and full coverage at $28 a month ($336 a year) and $52 a month ($624 a year). GEICO is the second lowest for both, at $33 a month ($396 a year) for minimum coverage and $65 a month ($780 a year) for full coverage.

If you need full coverage in Maine, Travelers is the stronger choice. The policy costs less than GEICO and includes roadside assistance plus coverage options for financed and newer vehicles, including new car replacement and gap coverage, that GEICO does not offer. Travelers' IntelliDrive program can reduce the rate by up to 30% at renewal for safe drivers, bringing it as low as $36 a month ($432 a year).

Compare the best car insurance in Maine in the table below to find the most affordable rates from the top-rated companies MoneyGeek analyzed in 2026.


Travelers	$28	$52	4.78/5
GEICO	$33	$65	4.12/5
Auto-Owners	$37	$68	4.14/5
Progressive	$35	$71	4.32/5
MMG Insurance	$34	$78	4.29/5

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Cheapest Car Insurance for Teens and Young Adults in Maine

Auto-Owners is the cheapest car insurance for teens and young adult drivers in Maine at $145 a month ($1,740 a year) for a 16-year-old female and $185 a month ($2,220 a year) for a 16-year-old male.

Auto-Owners does not offer an app-based driving program that can lower the rate at renewal the way Travelers' IntelliDrive can. What it does offer is local independent agents across Maine and a strong discount lineup for families with teen drivers, so the absence of a telematics program does not leave much of a gap for most families. In Maine, 6,046 deer-vehicle collisions were recorded in 2024. A deer strike files as a comprehensive claim, and having a local agent to guide the process makes a real difference for a family handling one for the first time.


16	Auto-Owners	$145	Auto-Owners	$185
17	Auto-Owners	$129	Auto-Owners	$165
18	Auto-Owners	$116	Auto-Owners	$148
19	Auto-Owners	$100	Auto-Owners	$127
20	Auto-Owners	$90	Auto-Owners	$116
21	Auto-Owners	$82	Travelers	$97
22	Auto-Owners	$76	Travelers	$87
23	Auto-Owners	$70	Travelers	$78
24	Auto-Owners	$65	Travelers	$73
25	Travelers	$60	Travelers	$60

Cheapest Car Insurance for Seniors in Maine

Travelers offers the cheapest car insurance for seniors in Maine at $48 a month for full coverage. Auto-Owners is the second lowest-priced option at $57 a month.

For a care provider managing a senior's policy from a distance, Travelers works well. Claims can be filed through its app, by phone, online or through a local agent. Seniors who still drive regularly can also enroll in Travelers' IntelliDrive program, which tracks driving behavior over 90 days and can reduce the $48 rate by up to 30% at renewal, bringing it as low as $34 a month and saving $14 a month or $168 a year.

Auto-Owners is worth the $9 more a month ($108 a year) for seniors who prefer working with one dedicated local agent for both policy questions and claims, rather than a multi-channel carrier where the contact may change each time.


Travelers	$48	4.28/5
Auto-Owners	$57	4.58/5
GEICO	$59	3.65/5
Progressive	$64	3.90/5
MMG Insurance	$76	3.91/5

Maine Insurance Code § 2902-G requires all Maine insurers to offer a discount to drivers 55 and older who complete a state-approved accident prevention course. The discount is valid for three years and must be renewed.

HOW MAINE MEDPAY WORKS FOR SENIOR DRIVERS

For senior drivers, Maine's mandatory MedPay coverage and Medicare often overlap in ways that affect what a senior actually needs on their policy. Maine's mandatory $2,000 MedPay minimum pays for accident-related medical bills regardless of fault, but Medicare does not cover all accident-related costs. Seniors who rely on basic Medicare without a supplemental plan may face gaps that MedPay can fill. Adding MedPay coverage above the required $2,000 minimum is worth considering for seniors in this situation, and higher limits are relatively inexpensive to add.

Cheapest Car Insurance by City in Maine

MMG Insurance is cheapest in 13 of the 20 Maine cities MoneyGeek analyzed, Travelers is cheapest in 6 and GEICO is cheapest in 1. Rates with MMG Insurance range from $22 a month in Caribou and Presque Isle to $33 a month in Lewiston. In Maine, the company you choose has more impact on your rate than the city you live in.

Maine's uninsured driver rate of 5.7% is the lowest in the country, so UM/UIM protection is less of a pressing concern here than in most states. Winter driving in northern Maine raises collision frequency. Drivers in Caribou, Presque Isle and surrounding areas with vehicles worth more than $2,880 should consider full coverage even where minimum rates are low.


Caribou	MMG Insurance	$22
Presque Isle	MMG Insurance	$22
Augusta	MMG Insurance	$26
Biddeford	MMG Insurance	$26
Brewer	MMG Insurance	$26
Rockland	Travelers	$26
Saco	MMG Insurance	$26
Bangor	MMG Insurance	$27
Brunswick	MMG Insurance	$27
Gardiner	Travelers	$27
Skowhegan	MMG Insurance	$27
South Portland	MMG Insurance	$27
Westbrook	MMG Insurance	$27
Bath	Travelers	$28
Ellsworth	Travelers	$29
Portland	MMG Insurance	$29
Waterville	Travelers	$29
Auburn	Travelers	$30
Sanford	GEICO	$30
Lewiston	MMG Insurance	$33

Maine's uninsured driver rate of 5.7% is among the lowest in the country, so UM/UIM protection is less of a pressing concern here than in most states. Winter driving in northern Maine raises collision frequency. Drivers in Caribou, Presque Isle and surrounding areas with vehicles worth more than $2,880 should consider full coverage even where minimum rates are low.

Cheapest Car Insurance for High-Risk Drivers in Maine

The cheapest car insurance in Maine for high-risk drivers depends on the violation. GEICO is cheapest after a speeding ticket and texting while driving at $65 a month, the same rate GEICO charges a clean-record driver. Most carriers raise the rate after a violation. At GEICO, the rate stays the same.

Travelers is the most affordable option after an at-fault accident at $77 a month, adding $25 to its own $52 clean-record rate. After an OUI, Travelers also has the lowest rate at $83 a month, adding $31 over its clean rate.

For speeding, Maine drivers have 20 days to contest the ticket by requesting a hearing through the Maine Violations Bureau. Paying the fine counts as a guilty finding and adds 4 to 6 MVA points depending on how far over the speed limit the driver was. Contesting the ticket gives a chance at dismissal, which keeps the conviction off the record and prevents the rate increase from applying at all.


Speeding Ticket	GEICO	$65	3.65/5
At-Fault Accident	Travelers	$77	4.28/5
DUI	Travelers	$83	4.28/5
Texting While Driving	GEICO	$65	3.65/5
Bad Credit	MMG Insurance	$157	3.91/5

Travelers

Best Cheap Car Insurance After an OUI in Maine

Travelers is cheapest after an OUI in Maine at $83 a month for full coverage, adding $31 to its own $52 clean-record rate. At the lowest available rate, Travelers also handles the required SR-22 filing directly with the state, so the driver does not have to coordinate it separately.

Travelers' local independent agents across Maine give an OUI driver someone to call when a payment is at risk or a policy question comes up, which matters over a long reinstatement period. Starting at the lowest available rate also makes it financially practical to stay with the same company through the full three years. Maine requires the SR-22 for three years from the reinstatement date, and if the policy lapses during that period, the three-year window restarts. Staying with one carrier and keeping coverage active without interruption is the safest path through reinstatement.

How to Get Cheaper Car Insurance in Maine

The biggest savings in Maine come from choosing the right carrier and matching coverage to your vehicle's value. Together those two decisions can save up to $50 a month.

1
Compare Travelers, GEICO and Progressive first and save up to $26 a month
Travelers charges $52 a month for full coverage, the lowest rate in Maine. MMG Insurance charges $78 a month for the same coverage. That $26 monthly difference adds up to $312 a year. Getting quotes from Travelers, GEICO and Progressive before each renewal confirms which one is actually lowest for your specific profile, since rates change at every renewal.
2
Match your coverage to your vehicle's value and save $24 a month
Full coverage costs $24 more a month than Travelers' own minimum rate of $28, adding up to $288 a year. A vehicle worth less than $2,880 would cost more to insure at full coverage over ten years than it could return in a total-loss payout. Drivers with a car loan or lease need full coverage as a condition of their financing. Use the Maine car insurance calculator to run the math for your specific vehicle.
3
Bundle home and auto with the same insurer
Both Travelers and GEICO offer a discount when home and auto policies are on the same account. The discount only shows up in a combined quote.
4
Get new quotes when your violation ages off and recover up to $31 a month
The rate increase does not drop automatically. An at-fault accident at Travelers adds $25 a month, or $300 a year. An OUI at Travelers adds $31 a month, or $372 a year. Set a calendar reminder for the three-year mark and get new quotes at Travelers and GEICO once the window closes. At GEICO, a speeding or texting violation carries no rate increase, so there is nothing to wait out.
5
Enroll in a telematics program and lower your rate at renewal
Three Maine carriers offer programs that track driving and can lower the rate at renewal for safe drivers.

Travelers IntelliDrive: Tracks driving behavior through the Travelers app over 90 days. Safe drivers can earn up to 30% off at renewal, bringing the $52 full coverage rate down to $36 a month and saving $16 a month or $192 a year. Poor driving during the monitoring period can raise the rate.

GEICO DriveEasy: Tracks driving through the GEICO app and can reduce the rate by up to 25% at renewal. At the maximum discount, the $65 full coverage rate drops to $49 a month, saving $16 a month or $192 a year. Poor driving can raise the rate.

Progressive Snapshot: Participants save an average of $322 a year at renewal, or about $27 a month, according to Progressive's published data. About 20% of participants see their rate increase after monitoring. Enroll at policy start to lock in the discount at the first renewal.

Most Affordable Auto Insurance in Maine Frequently Asked Questions

Travelers is cheapest for minimum coverage in Maine at $28 a month and cheapest for full coverage at $52 a month. For teen drivers, Auto-Owners is cheapest from age 16 through age 20 for males and through age 24 for females, starting at $185 a month for a 16-year-old male and $145 a month for a 16-year-old female. After a speeding ticket or texting while driving violation, GEICO is cheapest at $65 a month. After an at-fault accident or OUI, Travelers is cheapest at $77 a month and $83 a month. For drivers with bad credit, MMG Insurance is cheapest at $157 a month for full coverage.

Minimum coverage in Maine starts at $28 a month with Travelers for a driver with a clean record and good credit. Full coverage starts at $52 a month with Travelers for the same profile. Teen drivers at 16 pay $185 a month for males and $145 a month for females with Auto-Owners. Maine permits credit, gender and age as rating factors, so rates vary by profile. Maine has the lowest average auto insurance premiums in the country, according to the NAIC's 2025 report, with drivers paying an average of $926 a year compared to the national average of $1,438.

Yes. Maine requires an SR-22 filing for three years from the date of license reinstatement after an OUI conviction. If the policy lapses during that period, the three-year window restarts from the date coverage is restored. Travelers handles the SR-22 filing directly with the state and is the cheapest option for OUI drivers in Maine at $83 a month for full coverage. Maine uses the term OUI rather than DUI or DWI.

Maine requires minimum liability limits of 50/100/25: $50,000 per person and $100,000 per accident for bodily injury, plus $25,000 for property damage. Every policy must also include $2,000 in medical payments coverage (MedPay) and uninsured and underinsured motorist coverage at matching bodily injury limits. Maine is an at-fault state, meaning the driver who causes an accident is responsible for the other party's damages. Maine permits credit scores, gender and age as rating factors.

MoneyGeek analyzed car insurance rates for Maine using data from Quadrant Information Services, collected from insurance company filings with the Maine Bureau of Insurance across all residential ZIP codes in Maine. These are filed rates, not online quote estimates.

Baseline driver profile

Age: 40-year-old male
Vehicle: 2012 Toyota Camry LE
Record: Clean driving history, good credit
Annual mileage: 12,000 miles
Full coverage: 100/300/100 liability with a $1,000 deductible
Minimum coverage: Maine's 50/100/25 liability limits plus $2,000 medical payments coverage and UM/UIM at $50,000 per person and $100,000 per accident

Profile variations

Teen drivers age 16 through young adults age 25 on individual policies. Maine permits gender-based pricing. Male and female rates are shown separately.
Senior driver at age 70
Violation profiles with one variable changed at a time
Poor-credit profile

USAA is excluded from all tables. USAA is available only to military members, veterans and immediate family. Eligible drivers should include USAA in any comparison.

MoneyGeek scoring factors

Affordability (60%): Normalized rates across all companies within each driver profile
Customer experience (30%): J.D. Power survey results, NAIC complaint index, AM Best financial strength ratings, agent network ratings and Google Business ratings
Coverage options (10%): Range of available add-ons and included benefits

The overall MoneyGeek score shown in summary tables reflects this composite. Customer experience sub-scores shown in section tables reflect the customer experience component only and differ from the overall score.

Maine state notes

Maine is an at-fault state. An OUI conviction (Maine's term for DUI) requires an SR-22 filing for three years from the date of license reinstatement. Credit-based insurance scoring is permitted in Maine. Gender is a permitted rating factor in Maine. Maine's minimum liability limits are 50/100/25. Every policy must include $2,000 in medical payments coverage and UM/UIM at $50,000 per person and $100,000 per accident.

About Mark Fitzpatrick

Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.

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Sources

Maine Bureau of Insurance. "Auto Insurance FAQs." Accessed November 9, 2026.