Auto Insurance in Maine: Top Insurance Providers 2023

Are you looking for reliable auto insurance in Maine? You’ve come to the right place. Car accidents can happen at any time. The best way to ensure that post-accident damage doesn’t turn out too costly is to get your car insured. With this guide’s help, let’s look at the essential details of Maine car insurance.   

Make sure to check out our list of best car insurance providers in the United States.

What are Maine Minimum Car Insurance Requirements?

Maine has the lowest percentage of uninsured motorists in the U.S. Around 5% of Maine drivers are uninsured – in comparison, around 27% of drivers in Florida are uninsured.  

Liability car insurance is an essential coverage and one of the minimum requirements of Maine auto insurance. This coverage pays for the injuries and property damage you caused to other drivers. In the same manner, you can make a claim against another driver’s liability car insurance or file a suit for your car damage or injuries if another driver hits you. This coverage also pays for your legal expenses in case you’re involved in a lawsuit.

It’s advisable to expand your coverage to include medical expenses. Under the medical payment coverage, you will have to get a minimum of $2,000 per person in medical payments – as required by Maine law. This insurance coverage will pay the medical expenses for you and your passengers, regardless of who caused the accident. 

Uninsured motorist coverage is another essential coverage paying your medical bills when someone who doesn’t have the required liability car insurance causes an accident. By law, you are required to purchase the insurance with at least $50,000 for bodily injury to one person and $100,000 for bodily injuries to multiple persons. 

What Maine car insurance laws don’t require you to purchase is collision and comprehensive coverage. Still, we strongly recommend you get it too. 

Average Cost of Auto Insurance in Maine

Car insurance rates in Maine, New England are relatively lower than in the rest of the states. This is good news for those who are looking for cheap car insurance in Maine. The average cost of car insurance is $927. Even though gender doesn’t have any big role in determining auto insurance rates, the average annual premium of the two genders is as follows: 

• Male: $926
• Female: $899

Car Insurance Quotes in Maine by Top Cities

One thing that has a sizable effect on your insurance quotes is the area where you’re living. In the table below, we listed the cheapest cities in Maine for car insurance. 

City	Average Rate
Houlton	$1,181
Caribou	$1,182
Presque Isle	$1,183

For comparison purposes, here is a table with the most expensive cities in Maine for car insurance.

City	Average Rate
Waterville	$1,314
Winthrop	$1,309
Ellsworth	$1,309

 

Car Insurance Quotes for Larger Cities in Maine

City in Maine	Portland	Lewiston	Bangor	Auburn
GEICO	$686	$656	$708	$656
State Farm	$1,156	$1,041	$980	$1,045

 

How to Reduce the Costs of Auto Insurance in Maine

There are different ways to save money on Maine car insurance costs. The first thing you can do is to look for companies that offer auto insurance discounts. These discounts are mainly dependent on the driver’s behavior. 

If you had no tickets against you for driving violations or if you haven’t been involved in an accident for a definite period, the insurance provider will give you some discounts. 

Drivers with good credit scores are also given some concession, and they are quoted cheaper Maine car insurance rates. Many insurers offer bundles. It means that if you buy your home and auto insurance from the same insurance provider, you will be eligible for some discounts on both policies. 

Maine Auto Insurance, Traffic Rules, and Penalties

Since Maine is not a no-fault state, drivers who are involved in a crash are responsible for property damage to the other driver’s vehicles and for the driver’s injuries. The state requires all motorists to carry proof of insurance with them – either a printed card or the digital card. 

New residents to the state are required to transfer their vehicle registration, license, and insurance to Maine within 30 days. In case a drive is unable to secure insurance, they should get the insurance through the Maine Automobile Insurance Plan. 

Also, drivers in Maine are prohibited from talking on mobile phones, texting, or manipulating any other handheld electronic device while driving. For the first offense, the penalty is around $50. 

For second and subsequent offenses, the penalty is around $250. Text messaging is illegal for drivers of any age and carries a penalty of $250 for the first time. For the second offense, the license is suspended for 30 days in addition to a cash penalty of $500. 

 

Top Car Insurance Providers in Maine

Company	Provisions & Coverage	AM Best Ratings	Discounts
Allstate	Standard, collision and comprehensive, roadside assistance, new car protection, accident forgiveness	A+	Honorable mentions: New car discount, multiple policy discounts, Good Student discounts, Anti-theft device discounts.
Farmers	Standard, collision and comprehensive, Roadside assistance, new car protection, accident forgiveness, original equipment manufacturer coverage	A	Honorable mentions: Good driver discount, multi-vehicle discount, discount for being part of a professional group and more.
GEICO	Ride-sharing insurance, Mechanical breakdown coverage	A++	Honorable mentions: Driving for five years with no accidents, buying a homeowners’, renters’, condo, or mobile home policy through GEICO. Insuring more than one vehicle with GEICO.
Progressive	Gap insurance, deductible savings bank, rideshare insurance, custom parts and equipment value, Snapshot, Pet injury protection.	A+	Honorable mentions: Multi-policy discount, discount if you get a quote for car insurance online, sign an online discount, paperless discount.
State Farm	The Steer Clear Driver Program  Rental car and travel expenses coverage Rideshare insurance Drive Safe & Save	A+	Honorable mentions: Discount for taking a driver safety course.Discount if all operators of your vehicle under 21 complete an approved driver education course.
Travelers	Premier New Car Replacement Ridesharing insurance The Premier Responsible Driver Program IntelliDrive Gap insurance  Travelers’ Responsible Driver Program	A++	Honorable mentions: Multi car discount, discount for getting a quote before your policy expires, homeownership discount, multi-policy discount.
USAA	Accident forgiveness Rideshare insurance	A++	Honorable mentions: 12 discounts available including a Good driver discount

 

Detailed Reviews

Allstate Auto Insurance 

Allstate, one of the expensive insurance companies, provides many attractive features that make it the best and the most viable option among the rest. It has good customer satisfaction ratings and unique coverage options. It also provides attractive discounts. With Allstate, it is quite easy to file claims. The average annual rate of Allstate is $1,880.

Farmers Auto Insurance

Farmers has expensive rates. However, with this insurance company, low-to-high-mileage drivers see only a small increase in price. There are some discount offers that you can avail with this company. On average, you will have to pay $1,682 for Farmers’ insurance plans.

GEICO Car Insurance

The company has good customer satisfaction ratings, which means that it delivers what it promises. It also has a fast claims processing system. Its coverage plans are available at competitive rates. The company comes with a simple online quote process with which you can easily get a quote for your insurance coverage plan. Another great feature of this insurance company is that it comes with a mobile app that makes the process of filing a claim even easier. Its coverage plans will cost you around $1,168 per year.

Progressive Auto Insurance

The first noticeable thing about this company is the variety of non-auto vehicle insurance options it gives. It provides insurance for personal watercraft, golf carts, and Segway, etc.  

Its coverage options also include custom equipment and loan/lease payoff. It provides SR-22 certificates and free pet injury coverage included in collision coverage. The average annual rate of Progressive is $1,373.

State Farm Car Insurance

State Farm’s insurance coverage plans will cost you $1,234 on average. It has good customer service that indicates that customers are satisfied with its performance regarding claims. It has a strong network of agents that are available to listen to every query and complaint of a customer.  

Travelers Auto Insurance

Travelers insurance plans will cost you around $1,267 per year. Its insurance plans are affordable for drivers with good credit and young drivers. It offers different discounts to customers to ensure that its coverage options are affordable for many customers. The company, however, hasn’t received good ratings from customers and scores low when it comes to customer satisfaction.

USAA Auto Insurance

At $885, USAA insurance plans are the cheapest among all the options available. The company offers a wide variety of products and scores well in customer satisfaction. It is a military-only insurer and provides insurance plans to veterans and active service members.