GEICO is Maine's cheapest non-owner car insurance provider for drivers with clean records at $21 a month, below the state average of $35. Check the table below to compare other affordable options.
Cheapest Non-Owner Car Insurance in Maine
Updated: May 15, 2026
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Best Cheap Non-Owner Car Insurance in Maine: Key Takeaways
GEICO offers the cheapest non-owner SR-22 car insurance in Maine for drivers with a driving incident, averaging $34 a month.
Non-owner insurance covers you when driving a car you don't own, as long as your policy meets Maine's minimum coverage requirements.
Drivers who often borrow or rent cars, or who need to reinstate a suspended license, may not need a standard policy.
Cheapest Non-Owner Car Insurance in Maine
| GEICO | $254 | $21 |
| Travelers | $308 | $26 |
| Progressive | $381 | $32 |
| Bristol West | $996 | $83 |
Cheapest Non-Owner SR-22 Car Insurance in Maine
GEICO provides Maine's cheapest SR-22 non-owner policy at $34 a month, below the state average of $59. The table below compares other SR-22 providers.
| GEICO | $409 | $34 |
| Travelers | $431 | $36 |
| Progressive | $648 | $54 |
| Bristol West | $1,331 | $111 |
How Much Is Non-Owner Car Insurance in Maine?
In Maine, the average non-owner car insurance cost is $35 a month, below the national average of $43. Drivers who need an SR-22 pay about $59, above the national average of $48. Your rate depends on your driver profile.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
$43
Monthly Premium
vs
Maine Average Cost
$35
Monthly Premium
Non-owner car insurance in Maine is cheap$8 SAVED
Maine Non-Owner Car Insurance: Buyer's Guide
What Is Non-Owner Car Insurance?
If you often drive but don't own a car, non-owner car insurance is right for you. It covers out-of-pocket costs from at-fault accidents.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Maine Allow Non-Owner Car Insurance?
Maine allows drivers to buy non-owner car insurance even without owning a vehicle. If you must file an SR-22, a non-owner policy can meet that requirement. If you're buying coverage for the first time without a vehicle, check out how to get car insurance without a car.
MAINE MINIMUM INSURANCE REQUIREMENTS
Maine's minimum coverage requirements apply to non-owner car insurance. The limits are:
- $50,000 in bodily injury liability per person
- $100,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
- $50,000 uninsured motorist bodily injury per person
- $100,000 uninsured motorist bodily injury per accident
- $2,000 medical payments coverage
Maine's minimums are a starting point. They may not cover all your costs after an accident, so check how much coverage you need before buying a policy.
Should You Get Non-Owner Car Insurance in Maine?
If you drive occasionally but don't own a car, non-owner car insurance keeps you legally covered without the cost of a standard policy. Drivers who borrow or rent cars can use it to meet state minimum coverage requirements.
AVOID ONE-DAY CAR INSURANCE
"One-day insurance" offers in Maine aren't legitimate and are likely scams. For short-term needs like a move or road trip, buy coverage through the rental company instead.
Who Should Consider Non-Owner Car Insurance?
Drivers in these situations benefit from a non-owner car insurance policy:
- Car borrowers
Non-owner insurance keeps you covered when you frequently borrow a vehicle, especially if the owner's policy doesn't cover you.
Occasional rentersNon-owner car insurance covers you in rental cars without buying the rental company's insurance each time.
Drivers between carsNon-owner insurance keeps your coverage continuous, which can help you avoid higher rates after a lapse.
License reinstatement-seekersDrivers looking to reinstate their license after a suspension may need proof of insurance. A non-owner policy can meet this requirement.
WHAT IS SR-22?
An SR-22, also called an SR-22 Certificate of Financial Responsibility (CFR), is a form your insurance company sends to the DMV to show you carry the required minimum auto insurance coverage. If you have a DUI or were caught driving without insurance, you may need an SR-22 to drive again.
Cheap Non-Owner Car Insurance in Maine: Bottom Line
Non-owner car insurance is available in Maine, even for drivers who need to file an SR-22. GEICO is the most affordable option, followed by Travelers and Progressive. Comparing quotes from multiple providers is the best way to get a lower rate.
Non-Owner Car Insurance in Maine: FAQ
Which company offers the cheapest non-owner car insurance in Maine?
GEICO offers the most affordable non-owner car insurance in Maine, starting at $21 a month. It also has the cheapest SR-22 rate at $34.
How much does non-owner car insurance cost in Maine?
Non-owner car insurance in Maine costs about $425 a year or $35 a month for drivers with clean records. Drivers who need an SR-22 pay more, averaging about $704 a year or $59 a month.
Maine Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Maine auto insurance rates by collecting data from the Maine Bureau of Insurance and Quadrant Information Services. We examined 240 car insurance quotes from five providers to identify the state's best and most affordable options.
Coverage Levels
We compared non-owner car insurance rates from Maine companies based on minimum coverage policies. Maine's required minimum coverage includes:
- $50,000 in bodily injury liability per person
- $100,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
- $50,000 uninsured motorist bodily injury per person
- $100,000 uninsured motorist bodily injury per accident
- $2,000 medical payments coverage
Drivers and Cars in Maine
To find the cheapest non-owner car insurance in Maine, we built a sample driver profile:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- Good credit history
- 12,000 miles driven annually
MoneyGeek's car insurance methodology explains how we collected and analyzed rates.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.