Cheapest Car Insurance in Maine for 2026

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Updated: July 17, 2026

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Travelers is the cheapest car insurance company in Maine for most drivers, with full coverage at $52 a month and minimum coverage at $28 a month. Auto-Owners is the cheapest for families adding a teen to a policy, starting at $145 a month for a 16-year-old female and $185 for a male. 

Drivers with a speeding ticket or texting while driving violation will find GEICO as the cheapest provider at $65 a month. MMG is your cheapest choice if you have poor credit costing $157 a month. Most Maine drivers looking for the best car insurance in Maine should start with a Travelers quote.

Minimum Coverage
Travelers
$28
4.78/5
Full Coverage
Travelers
$52
4.78/5
16-Year-Old Male
Auto-Owners
$185
4.14/5
16-Year-Old Female
Auto-Owners
$145
4.14/5
Young Adults
Travelers
$60
4.78/5
Seniors (70+)
Travelers
$48
4.78/5
Speeding ticket
GEICO
$65
4.12/5
At-fault accident
Travelers
$77
4.78/5
DUI
Travelers
$83
4.78/5
Bad credit
MMG Insurance
$157
4.29/5
Travelers

Travelers

Best Cheap Car Insurance for Most Drivers in Maine

Travelers holds the lowest rate in Maine at $52 a month for full coverage and the highest MoneyGeek score at 4.78/5. On claims, Travelers scores below the 1.0 national average on the NAIC complaint index. That means fewer complaints about claims handling than most carriers of its size. Drivers who want to add more protection can choose from new car replacement, gap coverage and rental reimbursement for an additional cost. Travelers also offers a safe driver discount, a multi-policy discount for bundling home and auto, and a good student discount for teen drivers on the policy maintaining a B average.

Cheapest Car Insurance by Coverage Type in Maine

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

Cheapest Minimum Coverage in Maine

Travelers is the cheapest option for minimum coverage in Maine at $28 a month, $5 less than GEICO's $33. Maine's minimum coverage includes mandatory UM/UIM at $50,000 per person, so drivers aren't left unprotected against uninsured motorists even at the lowest coverage tier. Nationwide charges $99 a month for minimum coverage, the highest in the table, so the carrier you pick matters as much as the coverage level for minimum coverage shoppers.

Cheapest Full Coverage in Maine

Travelers is the cheapest option for full coverage in Maine at $52 a month, $13 less than GEICO's $65. Travelers also holds the highest overall score at 4.78/5, which means getting the lowest rate doesn't require settling for a lower-rated carrier. Drivers who want more coverage options should also quote Auto-Owners at $68 a month, which scores 4.14/5 and offers a broader range of add-ons for an additional cost.

How to Choose Between Minimum and Full Coverage in Maine

Full coverage costs $24 more a month than minimum coverage in Maine at Travelers, or $288 a year. Maine is an at-fault state, which means if you cause a crash, minimum coverage pays nothing toward your own vehicle repairs. Drivers with a loan or lease don't have a choice. Lenders require full coverage. For drivers who own their car outright, the decision comes down to vehicle value. If your car is worth significantly more than $288 a year in coverage cost, full coverage makes financial sense. If it's worth $3,000 or less, the math tips toward minimum. Use the Maine car insurance calculator to see how your vehicle value affects the rate.

Cheapest Car Insurance for Teens and Young Adults in Maine

Auto-Owners is the cheapest provider for teen drivers in Maine. A 16-year-old female pays $145 a month and a 16-year-old male pays $185. Auto-Owners stays cheapest for males through age 20 and for females through age 24. At 21, males switch to Travelers at $97 a month. Females make the same switch at 25, where both genders land at $60 a month with Travelers. Get new quotes at 21 for males and at 25 for both to catch those drops. For the steps to make each switch, see how to switch car insurance companies.

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
Auto-Owners

Auto-Owners

Best Cheap Car Insurance for Teens in Maine

Auto-Owners is the cheapest option for teen drivers in Maine, starting at $145 a month for a 16-year-old female and $185 for a 16-year-old male. Auto-Owners holds an A++ financial strength rating from AM Best, the highest available, and is known for paying claims promptly, even after major accidents or severe weather events. Teen drivers maintaining a B average can lower the rate through Auto-Owners' good student discount. Auto-Owners also offers optional accident forgiveness for drivers with no at-fault claims or major violations in the past three years, which means a first minor mistake doesn't automatically raise the premium at renewal.

Cheapest Car Insurance for Seniors in Maine

Travelers is the cheapest senior carrier in Maine at $48 a month, $4 less than its own $52 full coverage rate for a 40-year-old. Auto-Owners is second at $57 a month and GEICO third at $59. All three are within $11 of each other, so the choice between them comes down to price versus claims quality. Auto-Owners scores 4.58/5 for customer experience in Maine, the highest among the three. Seniors who want stronger claims service should quote Auto-Owners at $57 a month.

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
Travelers

Travelers

Best Cheap Car Insurance for Seniors in Maine

Travelers is the most affordable senior carrier in Maine at $48 a month and has a low complaint record. Travelers scores below the 1.0 national average on the NAIC complaint index, meaning fewer complaints about claims handling than most carriers of its size. Maine seniors who drive fewer miles can lower the $48 rate by enrolling in Travelers' IntelliDrive program, which tracks mileage and safe driving habits over 90 days and can reduce the rate by up to 30% at renewal. Seniors who complete an approved defensive driving course can qualify for a separate discount

Cheapest Car Insurance by City in Maine

MMG Insurance is the cheapest insurer in 13 of Maine's 20 largest cities, Travelers leads 6 and GEICO leads 1 (Sanford). Minimum coverage ranges from $22 a month in Caribou and Presque Isle to $33 in Lewiston, all with MMG Insurance. That $11 difference between the cheapest and most expensive city is less than half the $26 difference between the cheapest and most expensive carrier for full coverage. In Maine, the carrier you pick has more impact on your rate than the city you live in. Quote for your specific address to get the right figure.

Maine's uninsured driver rate of 5.7% is among the lowest in the country. Winter driving in northern Maine raises collision frequency. Drivers in Caribou, Presque Isle and surrounding areas whose vehicles are worth more than a few thousand dollars should consider full coverage even with the lower minimum-coverage rates available in Maine's cities.

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

Cheapest Car Insurance for High-Risk Drivers in Maine

GEICO is the cheapest option in Maine for drivers with a speeding ticket or texting while driving violation at $65 a month, the same rate it charges a clean-record driver. Switching to GEICO from a carrier that surcharges recovers the full difference at the next renewal.

Travelers is the lowest-rate option after an at-fault accident at $77 a month, and charges $83 a month after an OUI. For OUI drivers, Travelers also handles the required SR-22 filing directly with the state. Maine requires the SR-22 for three years from the reinstatement date. If the policy lapses during that period, the three-year requirement starts over from zero.

For bad credit, MMG Insurance offers the lowest rate in Maine at $157 a month. Once credit improves, Travelers charges $52 a month for the same full coverage. Getting new quotes at that point recovers up to $105 a month.

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

How to Get Cheaper Car Insurance in Maine

The biggest savings in Maine come from which carrier you pick. Switching from the most expensive carrier on this page to Travelers saves $26 a month for full coverage. Dropping from full to minimum coverage saves another $24 a month. The six steps below cover both.

  1. 1
    Compare at least three Maine insurers and save $26 a month

    Travelers charges $52 a month for full coverage in Maine. MMG Insurance charges $78 at the top of the five-carrier range. Switching from the most expensive carrier to the cheapest saves $26 a month, or $312 a year. Get quotes from Travelers, GEICO and Auto-Owners at minimum before choosing. Those three carriers cover the lowest rates across every driver type in this guide.

  2. 2
    Match your coverage level to your vehicle's value and save $24 a month

    Full coverage in Maine costs $24 more a month than minimum coverage at Travelers, or $288 a year. Maine's at-fault system means minimum coverage pays nothing toward your vehicle damage in a crash you cause. A car worth less than $3,000 to $5,000 may not justify the $288 annual cost of full coverage. Use the Maine car insurance calculator to check whether full coverage is worth it at your vehicle's current value.

  3. 3
    Bundle home and auto to reduce your combined premium

    Bundling home and auto with the same carrier lowers the total cost of both policies. Travelers, GEICO and Progressive all offer bundling in Maine

  4. 4
    Get new quotes when your violation ages off and recover up to $25 a month

    An at-fault accident adds $25 a month at Travelers, the cheapest carrier for that violation. Maine insurers apply at-fault surcharges for three to five years. The exact window depends on the carrier. Get new quotes 30 to 45 days before the surcharge window closes rather than waiting for your insurer to lower the rate automatically. Drivers whose speeding or texting while driving violation ages off should quote GEICO. GEICO charges no surcharge above its $65 clean rate.

  5. 5
    Improve your credit score before renewal and recover $105 a month

    Maine permits credit-based insurance scoring. MMG Insurance charges $157 a month for poor credit. Travelers charges $52 a month for good credit, the same coverage at a $105 monthly difference, or $1,260 a year. Improving your credit before a renewal date, then getting new quotes, captures that difference at the next policy term rather than waiting for your current insurer to re-check mid-policy.

  6. 6
    Use your carrier's discount programs to lower your base rate

    The three cheapest Maine carriers from the coverage type table each offer a monitored driving program.

    • Travelers IntelliDrive: Tracks driving behavior during a 90-day monitoring period. Safe drivers get a lower rate at renewal. Poor driving during the monitoring period can raise the rate.
    • GEICO DriveEasy: Tracks driving behavior through the GEICO app and can lower the rate at renewal. Poor driving raises the rate.
    • Progressive Snapshot: Participants save an average of $322 a year at renewal, according to Progressive's published data as of 2025. About 20% of participants see their rate increase after monitoring.

MoneyGeek analyzed car insurance rates in Maine using data from Quadrant Information Services, collected from state insurance filing records across all residential ZIP codes in Maine. Carriers are required to file rates with the Maine Bureau of Insurance before charging them. These are filed rates, not estimates or online quote approximations.

The baseline driver profile is a 40-year-old male driving a 2012 Toyota Camry LE with a clean record, good credit and 12,000 annual miles. Full coverage is 100/300/100 liability with a $1,000 deductible. Minimum coverage is Maine's required 50/100/25 liability plus $2,000 in medical payments coverage and uninsured/underinsured motorist coverage at $50,000 per person and $100,000 per accident. Profile variations include young drivers ages 16 to 25 on individual policies, a senior driver at age 70, violation profiles (one variable changed at a time) and a poor-credit profile. USAA is excluded from all tables. It is available only to military members, veterans and immediate family. Eligible drivers should include USAA in any quote comparison.

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.

MoneyGeek scores carriers on three factors: affordability (60% of score, normalized rates across all carriers within each driver profile), customer experience (30%, based on J.D. Power survey results, NAIC complaint index, AM Best financial strength ratings, agent network ratings and Google Business ratings) and coverage options (10%, based on the breadth of available add-ons and included benefits).

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

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.

Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.

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