Best and Cheapest Car Insurance in Maine (Top 10 Companies for Savings for 2024)

We found that Geico, USAA, and Travelers have the best and cheapest car insurance in Maine.

For more details about these companies and other options for the best and cheapest car insurance companies in Maine, take a look a the table below.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$15	A++	Lowest Rates	Geico
	#2	$16	A++	Military Savings	USAA
	#3	$25	A++	Discount Options	Travelers
	#4	$34	A	Loyalty Discounts	American Family
	#5	$35	A+	Vanishing Deductible	Nationwide
	#6	$38	A+	Coverage Options	Progressive
	#7	$43	A+	Infrequent Drivers	Allstate
	#8	$47	A	Safe Drivers	Farmers
	#9	$48	A	Occupational Discount	Liberty Mutual
	#10	$57	B	Agency Network	State Farm

Our Maine car insurance guide will go over these companies in more detail and help you find the best insurance for you. You can also enter your ZIP in our free tool to find cheap Maine car insurance quotes today.

What You Should Know

• Geico has the cheapest Maine car insurance rates on average
• USAA and Travelers are also affordable Maine companies for drivers
• Maine drivers must carry liability, medical payment, and uninsured/underinsured motorist insurance

On this page:

• Top Maine Car Insurance Companies Rates and Discounts
• Cheapest Teen Car Insurance Rates in Maine
• Cheapest Married Couple Car Insurance Rates in Maine
• Cheapest Senior Car Insurance Rates in Maine
• Cheapest Cities in Maine for Car Insurance
• Most Expensive Cities in Maine for Car Insurance
• Maine Minimum Car Insurance Coverage Requirements
• How Maine Car Insurance Companies Calculate Rates
• How to Save on Maine Car Insurance
• How Clearsurance Ranks Maine Car Insurance Companies
• Finding the Best Maine Car Insurance Company for You

#1 – Geico: Top Pick Overall

Pros

• Lowest Rates: For most drivers, the lowest rates for Maine auto insurance will be found at Geico.
• Bundling Discount: Geico renters insurance or home insurance can be bought with Maine car coverages.
• User-Friendly App: Geico’s free app has good ratings from satisfied customers.

Cons

• No Local Maine Agents: Maine representatives offer services remotely.
• No Gap Insurance: This coverage is ideal for new vehicles with leases or loans.

#2 – USAA: Best for Military Savings

Pros

• Military Savings: USAA has discounts and rewards for its customers, which are military and veterans in Maine.
• Customer Service Ratings: Our USAA review goes over the high ratings USAA has received.
• Coverage Options: USAA sells roadside assistance, rental reimbursement, and more.

Cons

• Eligibility Restrictions: USAA sells only to Maine military and veterans.
• No Local Maine Agents: Services are typically provided to Maine customers remotely.

#3 – Travelers: Best for Discount Options

Pros

• Discount Options: Good student and bundling discounts are just some of the many discounts offered by Travelers.
• IntelliDrive Program: Successful completion of the free UBI program significantly reduces Maine insurance rates.
• Coverage Variety: Travelers sells rental reimbursement, roadside assistance, and more in Maine. Learn more in our Travelers review.

Cons

• IntelliDrive Rate Changes: Poor driving skills in the program will raise rates.
• Customer Reviews: Overall customer satisfaction could be rated higher.

#4 – American Family: Best for Loyalty Discounts

Pros

• Loyalty Discounts: Repeat Maine customers may qualify for a loyalty discount.
• Accident Forgiveness: A great driving record could save Maine drivers from having rate increases after an accident.
• Coverage Options: There should be a coverage for every Maine driver's need, whether its roadside assistance or rental coverage.

Cons

• Online Tools: Maine customers may find online tools lacking.
• Higher High-Risk Rates: Bad drivers will have expensive Maine rates. Learn more about rates in our American Family review.

#5 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing Deductible: Nationwide's vanishing deductible policy rewards good drivers in Maine.
• Pay-Per-Mile Insurance: SmartMiles bases rates on how much Maine customers drive.
• Coverage Options: Nationwide has most of the common add-ons for Maine policies.

Cons

• Few Local Maine Agents: Assistance is remote for most Maine customers.
• Customer Reviews: Our Nationwide insurance review touches on how overall satisfaction could be better.

#6 – Progressive: Best for Coverage Options

Pros

• Coverage Options: Progressive's list of coverages in Maine should fulfill most customers insurance needs.
• Snapshot Program: Maine customers can get the app and participate in the discount program for free.
• Loyalty Program: Repeat customers get several benefits at Progressive with its loyalty rewards program.

Cons

• Snapshot Rate Changes: Bad driving behaviors in the program will actually increase Maine rates.
• Customer Reviews: One thing Progressive could improve is its customer satisfaction ratings. Learn more in our Progressive review.

#7 – Allstate: Best for Infrequent Drivers

Pros

• Infrequent Drivers: Maine customers can pay based on their mileage with Milewise from Allstate.
• Coverage Variety: Whether you want help on the road or coverage for a rental car, Allstate has various coverages for your needs.
• Good Student Discount: Maine drivers who are under 25 can apply for a good student discount if they are currently attending school and have good grades.

Cons

• Claims Satisfaction: Allstate has a high number of complaints about claims. Read more in our Allstate review.
• Young Driver Rates: Allstate policies will be expensive for Maine teens buying their own policy.

#8 – Farmers: Best for Safe Drivers

Pros

• Safe Drivers: A clean driving record will help drivers save at Farmers with vanishing deductibles and more.
• Coverage Options: Add what extras you like to your policy, or carry just the Maine insurance minimums. Read more in our Farmers review.
• Local Agents: Farmers has an agent locator tool if Maine drivers want more personalized assistance.

Cons

• Claims Processing: Farmers customer reviews that are negative talk about slow claims processing.
• Have to Buy Accident Forgiveness: Maine customers will need to pay extra to get this perk.

#9 – Liberty Mutual: Best for Occupational Discount

Pros

• Occupational Discount: Liberty Mutual has discounts for certain occupations in Maine, such as teacher discounts.
• 24/7 Service: Service representatives can help Maine customers at any time.
• Coverage Variety: Maine drivers can choose what extras to carry beyond the state minimums.

Cons

• Customer Reviews: Despite 24/7 assistance, the company still didn’t score highly in customer reviews, as you can see in our Liberty Mutual review.
• Bad Driver Rates: Poor driving could eliminate Liberty Mutual as an affordable Maine company.

#10 – State Farm: Best for Agency Network

Pros

• Agency Network: The company's vast network allows it to provide in-person assistance to Maine drivers.
• Discount Variety: Maine rates will be cheaper at State Farm if customers apply for some of its many discounts. Find out more in our review of State Farm.
• Coverage Variety: Add on roadside assistance and other extras to a Maine policy.

Cons

• Little Online Management: Agents eliminate the need for most online tools, which may not be ideal for some Maine customers.
• Financial Rating: State Farm isn't as stable as other companies on our list, as it has a B rating from A.M. Best.

Top Maine Car Insurance Companies Rates and Discounts

Figuring out which Maine car insurance company is the right fit for your car insurance needs can be tough. You'll want a car insurance company that has great coverage options, but one that also provides good customer service to policyholders. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Maine.

The average rates for minimum and full coverage at the best Maine companies are shown in the table below.

Insurance Company	Minimum Coverage	Full Coverage
Allstate	$43	$108
American Family	$34	$84
Farmers	$47	$117
Geico	$15	$37
Liberty Mutual	$48	$120
Nationwide	$35	$87
Progressive	$38	$94
State Farm	$57	$59
Travelers	$25	$61
USAA	$16	$38

Full coverage gives Maine drivers the best protection, but its higher rate may deter some customers. To get a better deal on full coverage policies, we recommend applying for discounts at the top companies.

With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies, so you can evaluate and compare the best Maine car insurance providers. We use reviews and information from various types of drivers, all real people who leave real reviews. We also ensure that it is all accurate content.

Learn More: How to Buy Car Insurance

In the tables above, you can sort through all the Maine car insurance companies ranked on Clearsurance. The rating next to each company the insurer's Clearsurance score is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Maine car insurance rankings.

Interested in learning more about one of these Maine car insurance companies? You can visit the company's profile page to find out what additional coverage selections they offer, the variety of discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

Cheapest Teen Car Insurance Rates in Maine

New driver car insurance can be expensive. They haven't had the chance to rack up a decent driving history to be considered experienced, nor are they usually offered an affordable option right off the bat. Sometimes they have to provide proof of good grades, or take a defensive driving course, in order to reduce their personal rates.

The table on this page gives you a look at average minimum car insurance rates for male and female teen drivers in Maine for the top cheapest companies in the state.

Insurance Company	Female (Age 18)	Male (Age 18)
Allstate	$146	$134
American Family	$99	$135
Farmers	$151	$174
Geico	$52	$70
Liberty Mutual	$139	$220
Nationwide	$103	$132
Progressive	$250	$283
State Farm	$80	$99
Travelers	$119	$162
USAA	$54	$60

Out of the cheapest companies in Maine, Geico and USAA have the cheapest auto insurance rates for both male and female teen drivers on average.

Cheapest Married Couple Car Insurance Rates in Maine

Did you know that married couples often get cheaper car insurance rates? The table below displays average rates at the cheapest companies in Maine for married couples.

Insurance Company	Rates
Allstate	$52
American Family	$42
Farmers	$58
Geico	$22
Liberty Mutual	$87
Nationwide	$45
Progressive	$56
State Farm	$29
Travelers	$28
USAA	$21

Out of the companies analyzed, USAA offers the cheapest rates for married couples in Maine on average. Geico is a close second for the cheapest option to USAA (Read More: Best Car Insurance for Married Couples).

Cheapest Senior Car Insurance Rates in Maine

Senior drivers with clean driving records will have the most affordable rates in Maine. The table below shows average minimum rates at the cheapest companies in Maine.

Insurance Company	Female (Age 65)	Male (Age 65)
Allstate	$41	$42
American Family	$33	$33
Farmers	$46	$46
Geico	$14	$14
Liberty Mutual	$47	$47
Nationwide	$34	$34
Progressive	$38	$37
State Farm	$23	$23
Travelers	$23	$24
USAA	$15	$14

Among the cheapest companies in the state, Geico provides the cheapest car insurance rates for male and female senior drivers on average in Maine (Learn More: Ways to Save on Senior Driver Car Insurance).

Cheapest Cities in Maine for Car Insurance

In addition to your age and marital status, car insurance rates in Maine vary based on the area in the state you live in. In the table below, you can see the top 10 cheapest cities in Maine for car insurance based on average rates for single adults.

City	Rates
Mapleton	$63
Bridgewater	$73
Easton	$77
Old Orchard Beach	$77
Fort Fairfield	$93
Mars Hill	$95
Blaine	$96
Ashland	$98
Washburn	$99
Biddeford	$100

On average, car insurance is the cheapest in the city of Biddeford, Maine. Customers with clean driving records will find coverage in these cities more affordable (Read More: What is considered a clean driving record?).

Most Expensive Cities in Maine for Car Insurance

Different areas in Maine have different car insurance rates based on factors such as car accidents or the crime rates in the area. The table below displays the top 10 most expensive cities in Maine for car insurance based on average rates for a single adult.

City	Rates
Wesley	$163
Penobscot	$160
Blue Hill	$160
Sedgwick	$156
Surry	$154
Brooklin	$130
Brooksville	$128
Bucksport	$123
Sargentville	$119
Castine	$116

Out of all cities in Maine, the city of Wesley is the most expensive for car insurance (Learn More: Why is car insurance so expensive?).

Maine Minimum Car Insurance Coverage Requirements

Maine drivers are required to have three types of car insurance coverage: liability (bodily injury and property damage), medical payments, and uninsured/underinsured motorists. There are other possible add-ons to look into, including non-owner car insurance and motorist car insurance. However, those aren't considered necessary for minimum coverage, so they are completely optional.

The state's minimum car insurance limits for each of these coverage types are detailed below, but you should consider purchasing higher limits to ensure you have sufficient coverage in the event of a costly accident. Think about it this way: the minimum limit for property damage in Maine is $25,000. If you are at fault in an accident that totals another driver's brand new car, $25,000 in coverage may leave you underinsured.

Collision provides coverage for damages to your car in an accident you cause, while comprehensive covers your car for non-accident-related damages, such as a natural disaster or theft. Coverage policies with these add-ons may be more expensive, but the average driver could stand to have the extra protection beyond the Maine minimums.

The minimum state requirements in Maine are listed below.

• Bodily Injury Liability: $50,000 per person and $100,000 per accident
• Property Damage Liability: $25,000 per accident
• Medical Payments: $2,000 per person
• Uninsured/Underinsured Motorist Bodily Injury: $50,000 per person and $100,000 per accident

Bodily injury liability insurance provides coverage for injuries sustained by the other vehicle's driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims. Medical payments are covered for you and your passengers, regardless of who is at fault in the accident.

Read More: How much bodily injury liability coverage do I need?

Property damage liability coverage provides coverage in the event you damage someone else's property in a car accident, most commonly the other vehicle, but also things like a home or fence. With everything that is possible on the road, a full-coverage policy may be the best way to go if you're thinking long term.

Maine Uninsured Motorist Percentage

According to 2015 data from the Insurance Information Institute, Maine has the lowest percentage of uninsured drivers of any state in the country, with just 4.5 percent of drivers lacking insurance.

While you may think this makes your required uninsured/underinsured motorist coverage less useful, keep in mind that this coverage doesn’t only protect you from drivers without insurance. It also offers protection from hit-and-run drivers, as well as drivers who don’t have high enough insurance limits.

How Maine Car Insurance Companies Calculate Rates

When searching and comparing quotes from the best car insurance companies in Maine, it can be frustrating trying to understand how your insurance rates are calculated.

While there is no exact formula that each car insurance company uses when providing you a quote on what your average cost will be, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

• Age, Gender, & Marital Status
• Driving Record & Annual Mileage
• Your Car’s Make, Model, and Year
• Location & Credit Score
• Amount of Car Insurance Coverage

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Read More: If a car accident is not your fault, does your insurance go up?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to payout. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, drivers simply wouldn't be able to afford the raised rates that are based on how much their insurer had to pay after an accident.

So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase. By keeping a clean driving record, you are working to ensure that your auto insurance policy stays on the cheaper end.

How to Save on Maine Car Insurance

At the end of the day, we'd all like to have the best, affordable car insurance from one of the best Maine car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can get cheap car insurance.

Here are five ways you may be able to lower your car insurance rates:

• Bundle your car insurance with other policies
• Consider raising your deductibles
• Pay your car insurance policy in full
• Try usage-based car insurance
• Shop for better insurance rates

You can also ask your current insurer for any additional discounts you may be eligible for. The average driver generally fits into at least one demographic where a discount exists. If that's not the case, asking your insurer what you can do to lower the price of your auto coverage can never hurt.

How Clearsurance Ranks Maine Car Insurance Companies

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Auto policies and how they're calculated can still be a mystery with some companies.

Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

• Price
• Customer Service
• Claim service
• Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

Learn More: Insurance Claims Rating for Top 10 Largest Car Insurance Companies

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Finding the Best Maine Car Insurance Company for You

Whether you're buying your insurance directly or going through an agent, understanding the different car insurance coverage options is a must. The best course of action that will get you affordable coverage is to learn as much as possible about the subject matter.

Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.

Ready to shop for cheap Maine auto insurance? Compare rates with our free comparison tool to get the best Maine coverage.