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: September 10, 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% | $-18 |
| MMG Insurance | $28 | $64 | -22% | $-13 |
| Geico | $33 | $64 | -17% | $-10 |
| Progressive | $34 | $67 | -14% | $-8 |
| Frankenmuth Insurance | $33 | $72 | -11% | $-6 |
*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.
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$94
High
$73
Average
$53
Low
Rates updated:
Sep 13, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 93 /of 100 | $53 | |
| 2 | 91 /of 100 | $58 | |
| 3 |  GEICO | 81 /of 100 | $66 |
| 4 |  Progressive | 72 /of 100 | $93 |
| 5 | 63 /of 100 | $94 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
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.
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:
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:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| MMG Insurance | $117 | $1,399 | -66% | $-2,689 |
| Vermont Mutual Insurance | $148 | $1,774 | -57% | $-2,315 |
| Auto Owners | $259 | $3,111 | -24% | $-977 |
| Frankenmuth Insurance | $288 | $3,455 | -15% | $-633 |
| Farm Bureau | $289 | $3,470 | -15% | $-618 |
*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:
Select
City:
| Portland | Travelers | $31 | -26% | $-15 |
| Lewiston | Travelers | $36 | -30% | $-20 |
| Bangor | Travelers | $27 | -33% | $-19 |
| South Portland | Travelers | $30 | -26% | $-15 |
| Auburn | Travelers | $30 | -30% | $-18 |
| Biddeford | Travelers | $29 | -26% | $-14 |
| Scarborough | Travelers | $29 | -26% | $-15 |
| Sanford | Travelers | $31 | -28% | $-17 |
| Saco | Travelers | $29 | -27% | $-15 |
| Brunswick | Travelers | $28 | -27% | $-15 |
| Westbrook | Travelers | $29 | -27% | $-15 |
| Augusta | Travelers | $28 | -34% | $-20 |
| Windham | Travelers | $30 | -27% | $-16 |
| Waterville | Travelers | $29 | -33% | $-20 |
| Falmouth | MMG Insurance | $26 | -25% | $-14 |
| Orono | Travelers | $31 | -24% | $-14 |
| Kennebunk | MMG Insurance | $22 | -32% | $-18 |
| Cape Elizabeth | MMG Insurance | $26 | -24% | $-14 |
| Brewer | Travelers | $26 | -36% | $-21 |
| Presque Isle | Travelers | $25 | -33% | $-17 |
| Old Orchard Beach | Travelers | $29 | -27% | $-16 |
| Yarmouth | MMG Insurance | $24 | -26% | $-14 |
| Bath | Travelers | $28 | -32% | $-19 |
| Ellsworth | Travelers | $29 | -33% | $-20 |
| Caribou | Travelers | $25 | -33% | $-18 |
| Abbot | Travelers | $26 | -36% | $-20 |
| Acton | Travelers | $31 | -29% | $-18 |
| Addison | Travelers | $27 | -34% | $-20 |
| Albion | Travelers | $29 | -30% | $-18 |
| Alfred | Travelers | $29 | -29% | $-17 |
| Alna | Travelers | $28 | -33% | $-19 |
| Andover | Travelers | $28 | -33% | $-19 |
| Anson | Travelers | $28 | -34% | $-20 |
| Ashland | Travelers | $26 | -31% | $-17 |
| Athens | Travelers | $29 | -33% | $-20 |
| Aurora | Travelers | $26 | -37% | $-22 |
| Bailey Island | MMG Insurance | $26 | -24% | $-13 |
| Bar Harbor | Travelers | $27 | -34% | $-20 |
| Bar Mills | MMG Insurance | $26 | -28% | $-16 |
| Bass Harbor | Travelers | $28 | -31% | $-18 |
| Beals | Travelers | $27 | -33% | $-19 |
| Belfast | Travelers | $27 | -34% | $-20 |
| Belgrade | Travelers | $28 | -36% | $-22 |
| Belgrade Lakes | Travelers | $28 | -36% | $-22 |
| Benedicta | Travelers | $26 | -32% | $-17 |
| Bernard | Travelers | $28 | -33% | $-20 |
| Berwick | Travelers | $29 | -29% | $-17 |
| Bethel | MMG Insurance | $24 | -32% | $-19 |
| Biddeford Pool | MMG Insurance | $26 | -26% | $-15 |
| Bingham | Travelers | $28 | -33% | $-19 |
| Birch Harbor | Travelers | $27 | -34% | $-20 |
| Blaine | MMG Insurance | $22 | -30% | $-16 |
| Blue Hill | Travelers | $28 | -35% | $-22 |
| Boothbay | Travelers | $29 | -30% | $-18 |
| Boothbay Harbor | Travelers | $29 | -29% | $-17 |
| Bowdoin | Travelers | $28 | -32% | $-19 |
| Bowdoinham | Travelers | $27 | -33% | $-19 |
| Bradford | Travelers | $28 | -31% | $-18 |
| Bradley | Travelers | $25 | -36% | $-21 |
| Bremen | Travelers | $29 | -31% | $-18 |
| Bridgewater | Travelers | $26 | -29% | $-15 |
| Bridgton | Travelers | $31 | -27% | $-16 |
| Bristol | Travelers | $29 | -30% | $-18 |
| Brooklin | Travelers | $29 | -32% | $-19 |
| Brooks | Travelers | $28 | -33% | $-19 |
| Brooksville | Travelers | $28 | -35% | $-21 |
| Brookton | Travelers | $28 | -31% | $-17 |
| Brownfield | Travelers | $30 | -31% | $-19 |
| Brownville | Travelers | $27 | -32% | $-18 |
| Brownville Junction | MMG Insurance | $24 | -31% | $-18 |
| Bryant Pond | MMG Insurance | $24 | -32% | $-19 |
| Buckfield | Travelers | $29 | -31% | $-19 |
| Bucksport | Travelers | $28 | -33% | $-20 |
| Burlington | Travelers | $26 | -35% | $-20 |
| Burnham | Travelers | $28 | -30% | $-17 |
| Bustins Island | MMG Insurance | $26 | -24% | $-13 |
| Buxton | MMG Insurance | $24 | -31% | $-18 |
| Calais | Travelers | $27 | -32% | $-19 |
| Cambridge | Travelers | $27 | -34% | $-20 |
| Camden | Travelers | $28 | -29% | $-16 |
| Canaan | Travelers | $29 | -31% | $-18 |
| Canton | Travelers | $29 | -31% | $-19 |
| Cape Neddick | Travelers | $31 | -25% | $-15 |
| Cape Porpoise | MMG Insurance | $26 | -28% | $-17 |
| Caratunk | Travelers | $28 | -33% | $-19 |
| Carmel | Travelers | $28 | -31% | $-18 |
| Casco | Travelers | $32 | -25% | $-15 |
| Castine | Travelers | $28 | -35% | $-21 |
| Center Lovell | Geico | $35 | -18% | $-11 |
| Chamberlain | Travelers | $28 | -32% | $-19 |
| Charleston | Travelers | $27 | -33% | $-19 |
| Chebeague Island | Travelers | $28 | -26% | $-14 |
| Cherryfield | Travelers | $28 | -33% | $-20 |
| China Village | MMG Insurance | $26 | -31% | $-19 |
| Clayton Lake | Travelers | $26 | -32% | $-17 |
| Cliff Island | MMG Insurance | $24 | -28% | $-15 |
| Clinton | Travelers | $29 | -30% | $-18 |
| Columbia Falls | Travelers | $27 | -34% | $-20 |
| Coopers Mills | MMG Insurance | $27 | -26% | $-15 |
| Corea | Travelers | $27 | -34% | $-20 |
| Corinna | Travelers | $28 | -31% | $-18 |
| Corinth | Travelers | $29 | -30% | $-18 |
| Cornish | MMG Insurance | $27 | -27% | $-16 |
| Cranberry Isles | Travelers | $28 | -33% | $-19 |
| Crouseville | MMG Insurance | $22 | -32% | $-18 |
| Cumberland Center | MMG Insurance | $24 | -27% | $-15 |
| Cumberland Foreside | MMG Insurance | $24 | -27% | $-15 |
| Cushing | Travelers | $27 | -33% | $-19 |
| Cutler | Travelers | $28 | -33% | $-20 |
| Damariscotta | Travelers | $29 | -31% | $-19 |
| Danforth | Travelers | $27 | -32% | $-19 |
| Danville | MMG Insurance | $26 | -30% | $-18 |
| Deer Isle | Travelers | $30 | -29% | $-17 |
| Denmark | Travelers | $32 | -27% | $-16 |
| Dennysville | Travelers | $28 | -33% | $-19 |
| Detroit | Travelers | $28 | -32% | $-18 |
| Dexter | Travelers | $27 | -35% | $-20 |
| Dixfield | Travelers | $28 | -34% | $-21 |
| Dixmont | Travelers | $29 | -32% | $-19 |
| Dover-Foxcroft | Travelers | $26 | -35% | $-20 |
| Dresden | Travelers | $27 | -35% | $-21 |
| Dryden | Travelers | $29 | -31% | $-18 |
| Durham | Travelers | $29 | -29% | $-17 |
| Eagle Lake | MMG Insurance | $22 | -33% | $-18 |
| East Andover | Travelers | $28 | -34% | $-21 |
| East Baldwin | Travelers | $31 | -28% | $-17 |
| East Blue Hill | Travelers | $28 | -35% | $-21 |
| East Boothbay | Travelers | $29 | -29% | $-17 |
| East Dixfield | MMG Insurance | $26 | -30% | $-18 |
| East Livermore | Travelers | $29 | -32% | $-19 |
| East Machias | Travelers | $27 | -34% | $-20 |
| East Millinocket | Travelers | $25 | -34% | $-18 |
| East Newport | Geico | $30 | -25% | $-15 |
| Easton | Travelers | $25 | -32% | $-17 |
| East Orland | Travelers | $29 | -32% | $-19 |
| East Parsonsfield | Progressive | $32 | -22% | $-14 |
| East Poland | MMG Insurance | $27 | -28% | $-17 |
| Eastport | Travelers | $27 | -33% | $-19 |
| East Vassalboro | MMG Insurance | $26 | -30% | $-18 |
| East Waterboro | Travelers | $30 | -28% | $-17 |
| East Wilton | MMG Insurance | $26 | -30% | $-18 |
| East Winthrop | MMG Insurance | $26 | -30% | $-18 |
| Eddington | Travelers | $26 | -36% | $-21 |
| Edgecomb | Travelers | $28 | -32% | $-19 |
| Estcourt Station | MMG Insurance | $22 | -35% | $-20 |
| Etna | Travelers | $29 | -29% | $-17 |
| Eustis | Travelers | $27 | -34% | $-20 |
| Exeter | Travelers | $28 | -33% | $-19 |
| Fairfield | Travelers | $28 | -33% | $-20 |
| Farmingdale | Travelers | $27 | -33% | $-19 |
| Farmington | Travelers | $28 | -33% | $-20 |
| Farmington Falls | Travelers | $28 | -32% | $-19 |
| Fort Fairfield | Travelers | $25 | -32% | $-17 |
| Fort Kent | Travelers | $25 | -33% | $-18 |
| Fort Kent Mills | MMG Insurance | $22 | -33% | $-18 |
| Frankfort | Travelers | $28 | -33% | $-19 |
| Franklin | Travelers | $27 | -36% | $-22 |
| Freedom | Travelers | $30 | -30% | $-18 |
| Freeport | Travelers | $29 | -27% | $-15 |
| Frenchboro | Travelers | $27 | -33% | $-19 |
| Frenchville | Travelers | $25 | -35% | $-19 |
| Friendship | Travelers | $26 | -36% | $-21 |
| Fryeburg | Travelers | $30 | -31% | $-19 |
| Gardiner | Travelers | $27 | -35% | $-21 |
| Garland | Travelers | $27 | -33% | $-19 |
| Georgetown | Travelers | $28 | -29% | $-17 |
| Gorham | Travelers | $29 | -28% | $-16 |
| Gouldsboro | Geico | $31 | -23% | $-13 |
| Grand Isle | Travelers | $26 | -32% | $-18 |
| Gray | Travelers | $29 | -27% | $-15 |
| Greenbush | Travelers | $26 | -37% | $-21 |
| Greene | Travelers | $30 | -31% | $-19 |
| Greenville | Travelers | $26 | -35% | $-20 |
| Greenville Junction | Travelers | $26 | -35% | $-20 |
| Greenwood | Travelers | $29 | -29% | $-17 |
| Guilford | Travelers | $26 | -35% | $-20 |
| Hallowell | Travelers | $28 | -33% | $-19 |
| Hampden | Travelers | $26 | -34% | $-19 |
| Hancock | Travelers | $28 | -34% | $-21 |
| Hanover | Travelers | $28 | -34% | $-20 |
| Harborside | Travelers | $27 | -35% | $-21 |
| Harmony | Travelers | $27 | -34% | $-20 |
| Harpswell | Travelers | $30 | -23% | $-13 |
| Harrington | Travelers | $27 | -34% | $-20 |
| Harrison | Travelers | $31 | -26% | $-15 |
| Hartland | Travelers | $28 | -33% | $-19 |
| Hebron | Travelers | $29 | -31% | $-19 |
| Hinckley | MMG Insurance | $26 | -31% | $-19 |
| Hiram | Travelers | $33 | -25% | $-15 |
| Holden | Travelers | $26 | -36% | $-22 |
| Hollis Center | MMG Insurance | $26 | -27% | $-16 |
| Hope | Travelers | $27 | -31% | $-17 |
| Houlton | Travelers | $26 | -31% | $-16 |
| Howland | Travelers | $26 | -33% | $-18 |
| Hudson | Travelers | $28 | -30% | $-18 |
| Hulls Cove | Geico | $31 | -24% | $-14 |
| Island Falls | Travelers | $27 | -30% | $-16 |
| Isle Au Haut | Travelers | $29 | -27% | $-16 |
| Isle of Springs | Travelers | $29 | -32% | $-19 |
| Islesboro | Travelers | $28 | -30% | $-17 |
| Islesford | Travelers | $28 | -33% | $-20 |
| Jackman | Travelers | $26 | -36% | $-21 |
| Jay | Travelers | $29 | -31% | $-19 |
| Jefferson | Travelers | $29 | -33% | $-20 |
| Jonesboro | Travelers | $27 | -34% | $-20 |
| Jonesport | Travelers | $28 | -33% | $-19 |
| Kenduskeag | Travelers | $27 | -35% | $-20 |
| Kennebunkport | Travelers | $30 | -26% | $-15 |
| Kents Hill | Travelers | $29 | -32% | $-20 |
| Kingfield | Travelers | $27 | -35% | $-21 |
| Kingman | Travelers | $27 | -33% | $-19 |
| Kittery | Travelers | $30 | -27% | $-16 |
| Kittery Point | Travelers | $30 | -26% | $-15 |
| Lagrange | Travelers | $27 | -32% | $-18 |
| Lake Arrowhead | Travelers | $30 | -29% | $-17 |
| Lambert Lake | MMG Insurance | $24 | -32% | $-18 |
| Lebanon | Travelers | $30 | -31% | $-19 |
| Lee | Travelers | $26 | -35% | $-19 |
| Leeds | Travelers | $30 | -30% | $-18 |
| Levant | Travelers | $27 | -35% | $-20 |
| Liberty | Travelers | $29 | -32% | $-19 |
| Limerick | Travelers | $31 | -28% | $-17 |
| Limestone | MMG Insurance | $22 | -31% | $-16 |
| Limington | Travelers | $30 | -29% | $-17 |
| Lincoln | Travelers | $25 | -34% | $-18 |
| Lincolnville | Travelers | $28 | -31% | $-17 |
| Lincolnville Center | MMG Insurance | $26 | -27% | $-16 |
| Lisbon | Travelers | $29 | -32% | $-19 |
| Lisbon Falls | Travelers | $28 | -32% | $-19 |
| Litchfield | Travelers | $28 | -35% | $-21 |
| Little Deer Isle | Travelers | $29 | -31% | $-19 |
| Livermore | Travelers | $29 | -31% | $-19 |
| Livermore Falls | Travelers | $29 | -32% | $-19 |
| Long Island | Geico | $29 | -23% | $-13 |
| Long Island | MMG Insurance | $26 | -23% | $-13 |
| Lovell | Travelers | $28 | -35% | $-21 |
| Lubec | Travelers | $28 | -32% | $-19 |
| Machias | Travelers | $28 | -33% | $-19 |
| Machiasport | Travelers | $27 | -34% | $-20 |
| Madawaska | Travelers | $25 | -35% | $-19 |
| Madison | Travelers | $28 | -34% | $-21 |
| Manchester | Travelers | $28 | -34% | $-21 |
| Mapleton | Travelers | $26 | -31% | $-17 |
| Mars Hill | Travelers | $26 | -30% | $-16 |
| Matinicus | Travelers | $30 | -28% | $-16 |
| Mattawamkeag | Travelers | $26 | -33% | $-18 |
| Mechanic Falls | Travelers | $30 | -29% | $-17 |
| Meddybemps | Travelers | $27 | -36% | $-21 |
| Medway | Travelers | $26 | -33% | $-18 |
| Mexico | MMG Insurance | $22 | -37% | $-22 |
| Milbridge | Travelers | $27 | -34% | $-20 |
| Milford | Travelers | $26 | -35% | $-20 |
| Millinocket | Travelers | $26 | -33% | $-18 |
| Milo | Travelers | $27 | -33% | $-19 |
| Minot | Travelers | $30 | -29% | $-17 |
| Monhegan | Travelers | $29 | -33% | $-20 |
| Monmouth | Travelers | $29 | -32% | $-19 |
| Monroe | Travelers | $28 | -33% | $-19 |
| Monson | Travelers | $26 | -36% | $-20 |
| Monticello | MMG Insurance | $22 | -30% | $-16 |
| Moody | MMG Insurance | $27 | -24% | $-14 |
| Morrill | Travelers | $28 | -32% | $-18 |
| Mount Desert | Travelers | $29 | -31% | $-18 |
| Mount Vernon | Travelers | $29 | -34% | $-21 |
| Naples | Travelers | $31 | -26% | $-15 |
| Newcastle | Travelers | $29 | -33% | $-20 |
| New Gloucester | Travelers | $30 | -27% | $-16 |
| New Harbor | Travelers | $29 | -29% | $-17 |
| New Limerick | MMG Insurance | $22 | -32% | $-17 |
| Newport | Travelers | $28 | -33% | $-19 |
| New Portland | Travelers | $28 | -34% | $-20 |
| Newry | Travelers | $28 | -32% | $-19 |
| New Sharon | Travelers | $28 | -34% | $-20 |
| New Sweden | Travelers | $26 | -31% | $-17 |
| New Vineyard | Travelers | $29 | -34% | $-21 |
| Nobleboro | Travelers | $29 | -33% | $-20 |
| Norridgewock | Travelers | $28 | -35% | $-21 |
| North Anson | Travelers | $28 | -34% | $-20 |
| North Berwick | Travelers | $29 | -28% | $-16 |
| North Bridgton | Geico | $33 | -19% | $-12 |
| Northeast Harbor | Travelers | $28 | -33% | $-19 |
| North Haven | Travelers | $28 | -29% | $-16 |
| North Jay | MMG Insurance | $26 | -30% | $-18 |
| North Monmouth | Travelers | $29 | -31% | $-18 |
| North Turner | Progressive | $34 | -19% | $-12 |
| North Vassalboro | Travelers | $28 | -35% | $-22 |
| North Waterford | MMG Insurance | $26 | -28% | $-17 |
| North Yarmouth | Travelers | $29 | -27% | $-15 |
| Norway | Travelers | $29 | -29% | $-17 |
| Oakfield | MMG Insurance | $22 | -30% | $-16 |
| Oakland | Travelers | $27 | -34% | $-20 |
| Ocean Park | MMG Insurance | $26 | -27% | $-16 |
| Ogunquit | Travelers | $31 | -22% | $-13 |
| Old Town | Travelers | $28 | -30% | $-17 |
| Oquossoc | Travelers | $28 | -34% | $-20 |
| Orient | MMG Insurance | $22 | -31% | $-17 |
| Orland | Travelers | $29 | -33% | $-20 |
| Orrington | Travelers | $27 | -34% | $-20 |
| Orrs Island | Travelers | $29 | -26% | $-14 |
| Owls Head | Travelers | $26 | -35% | $-19 |
| Oxbow | Travelers | $27 | -29% | $-16 |
| Oxford | MMG Insurance | $26 | -27% | $-16 |
| Palermo | Travelers | $29 | -30% | $-17 |
| Palmyra | Travelers | $28 | -33% | $-20 |
| Parsonsfield | Travelers | $31 | -28% | $-17 |
| Passadumkeag | Travelers | $26 | -36% | $-21 |
| Patten | Travelers | $26 | -32% | $-17 |
| Peaks Island | MMG Insurance | $27 | -25% | $-15 |
| Pemaquid | Travelers | $28 | -32% | $-19 |
| Pembroke | Travelers | $27 | -33% | $-19 |
| Penobscot | Travelers | $29 | -31% | $-19 |
| Perham | Travelers | $25 | -33% | $-18 |
| Perry | Travelers | $27 | -35% | $-21 |
| Peru | Travelers | $28 | -33% | $-20 |
| Phillips | Travelers | $28 | -34% | $-20 |
| Phippsburg | Travelers | $29 | -28% | $-16 |
| Pittsfield | Travelers | $27 | -34% | $-20 |
| Plymouth | Travelers | $28 | -32% | $-18 |
| Poland | Travelers | $30 | -28% | $-17 |
| Portage | MMG Insurance | $22 | -30% | $-16 |
| Port Clyde | MMG Insurance | $26 | -26% | $-15 |
| Porter | Travelers | $31 | -27% | $-17 |
| Pownal | MMG Insurance | $24 | -30% | $-18 |
| Princeton | Travelers | $26 | -35% | $-20 |
| Prospect Harbor | Travelers | $27 | -34% | $-20 |
| Randolph | Travelers | $27 | -34% | $-20 |
| Rangeley | Travelers | $28 | -33% | $-19 |
| Raymond | Travelers | $31 | -25% | $-15 |
| Readfield | Travelers | $29 | -33% | $-20 |
| Richmond | Travelers | $27 | -32% | $-18 |
| Robbinston | Travelers | $28 | -31% | $-18 |
| Rockland | Travelers | $26 | -34% | $-19 |
| Rockport | Travelers | $27 | -32% | $-18 |
| Rockwood | Travelers | $26 | -34% | $-20 |
| Round Pond | Travelers | $30 | -29% | $-17 |
| Roxbury | Travelers | $28 | -34% | $-20 |
| Rumford | Travelers | $28 | -33% | $-20 |
| Sabattus | Travelers | $29 | -31% | $-19 |
| Salsbury Cove | Travelers | $29 | -30% | $-18 |
| Sandy Point | Geico | $30 | -25% | $-15 |
| Sangerville | Travelers | $27 | -34% | $-19 |
| Sargentville | Travelers | $28 | -32% | $-19 |
| Seal Cove | Travelers | $28 | -33% | $-20 |
| Seal Harbor | Travelers | $28 | -33% | $-19 |
| Searsmont | Travelers | $28 | -34% | $-20 |
| Searsport | Travelers | $27 | -33% | $-19 |
| Sebago | Travelers | $32 | -27% | $-16 |
| Sebasco Estates | Geico | $29 | -27% | $-16 |
| Sebec | Travelers | $27 | -33% | $-19 |
| Sedgwick | Travelers | $29 | -33% | $-20 |
| Shapleigh | Travelers | $31 | -28% | $-17 |
| Shawmut | MMG Insurance | $26 | -31% | $-19 |
| Sheridan | MMG Insurance | $22 | -33% | $-18 |
| Sherman | Travelers | $26 | -31% | $-17 |
| Shirley Mills | MMG Insurance | $24 | -32% | $-19 |
| Sinclair | Travelers | $25 | -33% | $-18 |
| Skowhegan | Travelers | $29 | -32% | $-19 |
| Smithfield | Travelers | $28 | -34% | $-21 |
| Smyrna Mills | MMG Insurance | $22 | -30% | $-16 |
| Solon | Travelers | $28 | -33% | $-20 |
| Sorrento | Travelers | $27 | -35% | $-21 |
| South Berwick | Travelers | $30 | -28% | $-16 |
| South Bristol | Travelers | $29 | -30% | $-18 |
| South Casco | MMG Insurance | $26 | -28% | $-17 |
| South China | Travelers | $27 | -36% | $-22 |
| South Eliot | Travelers | $29 | -28% | $-16 |
| South Freeport | MMG Insurance | $26 | -27% | $-16 |
| South Gardiner | Progressive | $32 | -20% | $-12 |
| South Paris | Travelers | $29 | -30% | $-18 |
| Southport | Travelers | $29 | -31% | $-18 |
| South Thomaston | Travelers | $26 | -35% | $-20 |
| Southwest Harbor | Travelers | $28 | -33% | $-20 |
| South Windham | Geico | $29 | -27% | $-16 |
| Springfield | Travelers | $26 | -34% | $-19 |
| Springvale | Travelers | $31 | -26% | $-15 |
| Spruce Head | Travelers | $26 | -35% | $-20 |
| Squirrel Island | Progressive | $33 | -19% | $-11 |
| Stacyville | Travelers | $26 | -32% | $-17 |
| St. Agatha | Travelers | $25 | -34% | $-19 |
| St. Albans | Travelers | $29 | -31% | $-19 |
| Standish | Geico | $29 | -26% | $-15 |
| St. David | Travelers | $25 | -33% | $-18 |
| Steep Falls | Travelers | $31 | -27% | $-16 |
| Stetson | Travelers | $29 | -29% | $-17 |
| Steuben | Travelers | $27 | -34% | $-20 |
| St. Francis | Travelers | $26 | -32% | $-17 |
| St. Francis | MMG Insurance | $22 | -32% | $-17 |
| Stillwater | MMG Insurance | $27 | -24% | $-14 |
| Stillwater | Progressive | $30 | -24% | $-14 |
| Stockholm | MMG Insurance | $22 | -31% | $-17 |
| Stockton Springs | Travelers | $28 | -32% | $-19 |
| Stoneham | Travelers | $28 | -33% | $-20 |
| Stonington | Travelers | $29 | -32% | $-19 |
| Stratton | Travelers | $27 | -34% | $-20 |
| Strong | Travelers | $27 | -36% | $-22 |
| Sullivan | Travelers | $27 | -35% | $-21 |
| Sumner | Travelers | $29 | -32% | $-20 |
| Sunset | Travelers | $28 | -33% | $-19 |
| Surry | Travelers | $28 | -33% | $-20 |
| Swans Island | Travelers | $28 | -32% | $-18 |
| Temple | Travelers | $28 | -33% | $-19 |
| Tenants Harbor | Travelers | $27 | -31% | $-17 |
| Thomaston | Travelers | $26 | -34% | $-19 |
| Thorndike | Travelers | $30 | -29% | $-17 |
| Topsfield | Travelers | $28 | -31% | $-18 |
| Topsham | Travelers | $28 | -31% | $-17 |
| Trevett | Travelers | $28 | -33% | $-20 |
| Troy | Travelers | $29 | -30% | $-17 |
| Turner | Travelers | $30 | -31% | $-19 |
| Union | Travelers | $28 | -30% | $-17 |
| Unity | Travelers | $29 | -30% | $-18 |
| Van Buren | MMG Insurance | $22 | -32% | $-17 |
| Vanceboro | MMG Insurance | $24 | -32% | $-19 |
| Vassalboro | Travelers | $27 | -36% | $-22 |
| Vienna | Travelers | $29 | -33% | $-20 |
| Vinalhaven | Travelers | $27 | -31% | $-17 |
| Waite | Travelers | $27 | -34% | $-19 |
| Waldoboro | Travelers | $29 | -31% | $-19 |
| Wallagrass | Travelers | $26 | -33% | $-18 |
| Walpole | Travelers | $28 | -32% | $-19 |
| Warren | Travelers | $26 | -37% | $-21 |
| Washburn | Travelers | $25 | -33% | $-17 |
| Washington | Travelers | $28 | -32% | $-18 |
| Waterboro | Travelers | $30 | -28% | $-17 |
| Waterford | Travelers | $29 | -30% | $-18 |
| Wayne | Travelers | $29 | -32% | $-19 |
| Weld | Travelers | $27 | -34% | $-20 |
| Wells | MMG Insurance | $24 | -28% | $-16 |
| Wesley | Travelers | $27 | -35% | $-20 |
| West Baldwin | Travelers | $31 | -28% | $-18 |
| West Bethel | MMG Insurance | $27 | -27% | $-16 |
| West Boothbay Harbor | Progressive | $33 | -19% | $-11 |
| West Enfield | Travelers | $26 | -34% | $-19 |
| West Farmington | MMG Insurance | $26 | -30% | $-18 |
| Westfield | Travelers | $26 | -31% | $-17 |
| West Forks | Travelers | $26 | -35% | $-20 |
| West Minot | Progressive | $33 | -20% | $-12 |
| West Newfield | Travelers | $30 | -30% | $-18 |
| West Paris | Travelers | $29 | -31% | $-18 |
| West Poland | Geico | $35 | -18% | $-11 |
| West Rockport | Geico | $30 | -23% | $-13 |
| Whitefield | Travelers | $27 | -34% | $-20 |
| Whiting | Travelers | $28 | -33% | $-19 |
| Wilton | Travelers | $30 | -32% | $-20 |
| Windsor | Travelers | $27 | -36% | $-21 |
| Winn | Travelers | $26 | -35% | $-20 |
| Winter Harbor | Travelers | $27 | -34% | $-20 |
| Winterport | Travelers | $28 | -33% | $-20 |
| Winthrop | Travelers | $28 | -32% | $-19 |
| Wiscasset | Travelers | $28 | -34% | $-20 |
| Woodland Washington County | Travelers | $27 | -33% | $-19 |
| Woolwich | Travelers | $28 | -33% | $-19 |
| Wytopitlock | Travelers | $27 | -30% | $-16 |
| York | Travelers | $31 | -24% | $-14 |
| York Beach | Geico | $30 | -25% | $-15 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Maine by Driver Age Group
We analyzed car insurance rates across Maine for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young drivers can get the lowest rates from Travelers, starting at $66 per month
- Adult drivers find the best deals with MMG Insurance, with rates from $27 per month
- Senior drivers see the most affordable coverage through MMG Insurance, beginning at $27 per month
Cheapest Car Insurance For Young Drivers in Maine
Young drivers get the lowest premiums from AIG, averaging $53 per month ($640 annually) around 60% cheaper than the state average. Cincinnati Insurance follows at $64 monthly, saving drivers about 52%.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| Travelers | $66 | $797 | -34% | $-410 |
| MMG Insurance | $75 | $903 | -25% | $-304 |
| Auto Owners | $82 | $984 | -18% | $-223 |
| Frankenmuth Insurance | $90 | $1,082 | -10% | $-124 |
| Geico | $94 | $1,126 | -7% | $-81 |
*The rates shown reflect individual policies. Younger drivers may qualify for lower premiums when added to a family policy instead of purchasing coverage on their own.
Cheapest Car Insurance For Adult Drivers in Maine
For adult drivers, AIG is the cheapest at $22 per month ($268 annually), about 60% less than the state average. Cincinnati Insurance is close behind at $25 monthly, helping drivers save roughly 55%.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| MMG Insurance | $27 | $330 | -29% | $-132 |
| Travelers | $29 | $349 | -24% | $-113 |
| Geico | $32 | $380 | -18% | $-82 |
| Frankenmuth Insurance | $33 | $399 | -14% | $-63 |
| Progressive | $33 | $400 | -14% | $-62 |
Cheapest Car Insurance For Senior Drivers in Maine
Seniors can find the best deal with MMG Insurance and Travelers, both averaging $27 per month (around $323–$325 annually). These rates are nearly 29% below the state average.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| MMG Insurance | $27 | $323 | -29% | $-135 |
| Travelers | $27 | $325 | -29% | $-132 |
| Geico | $30 | $361 | -21% | $-97 |
| Frankenmuth Insurance | $31 | $376 | -18% | $-82 |
| Progressive | $31 | $377 | -18% | $-81 |
Cheapest Car Insurance For High-Risk Drivers in Maine
Your driving record is one of the biggest factors affecting car insurance rates in Maine. Drivers with a clean history pay the lowest premiums, while violations such as texting while driving, speeding tickets, accidents, or DUIs can raise costs significantly. The table below highlights the cheapest providers in Maine based on different driving records.
- Cheapest for Bad Credit: MMG Insurance (From $67/mo)
- Cheapest With a DUI: Progressive (From $42/mo)
- Cheapest With an Accident: MMG Insurance (From $33/mo)
- Cheapest With a Speeding Ticket: GEICO (From $32/mo)
- Cheapest With a Texting While Driving Violation: MMG Insurance (From $32/mo)
Cheapest Car Insurance For Bad Credit in Maine
Drivers with poor credit save the most with MMG Insurance, averaging $67 per month ($801 annually) — about 59% below the state average. Vermont Mutual Insurance is another strong option at $82 per month.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Driving Record:Clean
| MMG Insurance | $67 | $801 | -59% | $-1,132 |
| Vermont Mutual Insurance | $82 | $989 | -49% | $-944 |
| Geico | $112 | $1,341 | -31% | $-593 |
| Farm Bureau | $129 | $1,547 | -20% | $-386 |
| Travelers | $137 | $1,650 | -15% | $-283 |
Cheapest Car Insurance With a DUI in Maine
AIG offers the lowest rates for drivers with a DUI at $24 per month ($285 annually) — roughly 72% cheaper than the state average. Cincinnati Insurance is the next best option at $50 per month, cutting costs by over 40%.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Progressive | $42 | $505 | -44% | $-399 |
| MMG Insurance | $45 | $540 | -40% | $-364 |
| Travelers | $45 | $543 | -40% | $-361 |
| State Farm | $48 | $571 | -37% | $-333 |
| Farm Bureau | $61 | $734 | -19% | $-170 |
Cheapest Car Insurance With an Accident in Maine
After an at-fault accident, MMG Insurance is the most affordable at $33 per month ($390 annually), saving drivers 42%. Vermont Mutual Insurance comes next at $36 monthly, cutting rates by 35% compared to average costs.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| MMG Insurance | $33 | $390 | -42% | $-282 |
| Vermont Mutual Insurance | $36 | $436 | -35% | $-237 |
| Frankenmuth Insurance | $38 | $458 | -32% | $-215 |
| Travelers | $43 | $510 | -24% | $-163 |
| Geico | $49 | $593 | -12% | $-79 |
Cheapest Car Insurance With a Speeding Ticket
For drivers with a speeding ticket, Geico leads with premiums of $32 per month ($380 annually), around 35% cheaper than the state average. MMG Insurance is close behind at $34 per month, delivering similar savings.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Geico | $32 | $380 | -35% | $-204 |
| MMG Insurance | $34 | $409 | -30% | $-174 |
| Frankenmuth Insurance | $38 | $458 | -22% | $-126 |
| Travelers | $39 | $469 | -20% | $-114 |
| Auto Owners | $44 | $534 | -8% | $-50 |
Cheapest Car Insurance With a Texting While Driving Violation
Drivers cited for texting can find the cheapest coverage with MMG Insurance at $30 per month ($360 annually), about 48% below the state average. Geico follows at $32 monthly, also saving drivers around 45%.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| MMG Insurance | $30 | $360 | -48% | $-330 |
| Geico | $32 | $380 | -45% | $-310 |
| Travelers | $45 | $543 | -21% | $-147 |
| Progressive | $47 | $568 | -18% | $-121 |
| State Farm | $48 | $571 | -17% | $-118 |
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
Shop quotes even in a low-cost state
Maine has some of the lowest car insurance premiums in the U.S., but rates still vary by insurer. Comparing at least three quotes ensures you find the best price.
- 2
Meet Maine’s higher minimums
Maine requires 50/100/25 liability, 2/5 UM/UIM, and $2,000 MedPay. These higher-than-average limits provide more protection but set a higher baseline premium.
- 3
Use Maine-specific discounts
Insurers in Maine often give discounts for eco-friendly or hybrid vehicles, alongside bundling, safe-driver, and good student discounts.
- 4
Account for local risks
Maine drivers face severe winter weather and high wildlife collision rates, especially with deer and moose. Comprehensive and collision coverage help protect against these hazards.
- 5
Apply through MAIP if necessary
The Maine Automobile Insurance Plan (MAIP) offers coverage to drivers denied by the voluntary market.
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.
Minimum Coverage Requirements in Maine
Maine law requires drivers to carry auto insurance to legally operate a vehicle. The state follows an at-fault system, which means the driver who causes an accident is responsible for covering the damages. Every policy must include liability coverage, medical payments, and uninsured/underinsured motorist protection. While these limits meet state law, many drivers purchase higher coverage for better financial protection.
Coverage Type | Minimum Required Limit |
|---|---|
Bodily Injury Liability (Per Person) | $50,000 per person |
Bodily Injury Liability (Per Accident) | $100,000 per accident |
Property Damage Liability | $25,000 per accident |
Medical Payments (MedPay) | $2,000 per person |
Uninsured/Underinsured Motorist Bodily Injury | $50,000 per person / $100,000 per accident |
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 September 13, 2025.
- https://www.iii.org/fact-statistic/facts-statistics-auto-insurance . "Facts + Statistics: Uninsured Motorists ." Accessed September 13, 2025.
- National Centers for Environmental Information . "Climate at a Glance: Statewide Time Series ." Accessed September 13, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed September 13, 2025.
