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Best & Cheapest Maine Car Insurance as Rated by Customers in 2020

4.67 ★★★★★
4579 customer reviews
rated their claim's experience positively
4.19 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16886 customer reviews
rated their claim's experience positively
4.09 ★★★★★
2059 customer reviews
rated their claim's experience positively
4.05 ★★★★★
2230 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7149 customer reviews
rated their claim's experience positively
3.96 ★★★★★
1333 customer reviews
rated their claim's experience positively
3.89 ★★★★★
143 customer reviews
rated their claim's experience positively
3.78 ★★★★★
163 customer reviews
rated their claim's experience positively
3.74 ★★★★★
545 customer reviews
rated their claim's experience positively
3.69 ★★★★★
90 customer reviews
rated their claim's experience positively
3.15 ★★★★★
87 customer reviews
rated their claim's experience positively
2.16 ★★★★★
133 customer reviews
rated their claim's experience positively

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. 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 companies.

In the table 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 coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the cheapest teen car insurance rates in Maine?

Car insurance for new teen drivers can be expensive! The table on this page gives you a look at average car insurance rates for male and female teen drivers in Maine for the top five most popular companies in the state. Out of these five companies, Concord Group is the cheapest car insurance option for both male and female teen drivers on average.

Company Female teen rates Male teen rates
Allstate Insurance $1,098 $1,233
Concord Group Insurance Companies $594 $680
Geico $695 $805
Progressive $1,948 $2,142
State Farm Insurance Company $1,004 $1,182

These rates are based on profiles for 18-year-old male and female drivers in Maine. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Maine will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in Maine?

Out of the companies analyzed, Concord Group offers the cheapest car insurance rates for married couples in Maine on average. Geico is a close second for cheapest option to Concord Group.

Company Married couple rates
Allstate Insurance $1,191
Concord Group Insurance Companies $827
Geico $829
Progressive $1,193
State Farm Insurance Company $1,294

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Maine will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in Maine?

Among the five largest companies in the state by market share, Concord Group provides the cheapest car insurance rates for male and female senior drivers on average in Maine.

Company Female senior rates Male senior rates
Allstate Insurance $774 $827
Concord Group Insurance Companies $368 $453
Geico $486 $486
Progressive $806 $780
State Farm Insurance Company $661 $661

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Maine will differ. Rate data is provided by Quadrant Information Services.

10 Cheapest areas 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. On average, car insurance is the cheapest in Biddeford. In the table below, you can see the top 10 cheapest areas in Maine for car insurance based on average rates for single adults.

Area Car insurance rates
Biddeford $933
Ashland $934
Mapleton $934
Easton $935
Fort Fairfield $935
Blaine $936
Mars Hill $936
Washburn $936
Bridgewater $936
Old Orchard Beach $936

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Maine will differ. Rate data is provided by Quadrant Information Services.

10 Most expensive areas in Maine for car insurance

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

Area Car insurance rates
Wesley $1,058
Penobscot $1,056
Blue Hill $1,056
Sedgwick $1,055
Surry $1,055
Brooklin $1,054
Brooksville $1,053
Bucksport $1,053
Sargentville $1,052
Castine $1,052

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Maine will differ. Rate data is provided by Quadrant Information Services.

Minimum car insurance coverage and limits in Maine

Maine drivers are required to have three types of car insurance coverage: liability, medical payments and uninsured/underinsured motorist.

The state’s minimum limits for each of these coverages 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.

Maine drivers also should consider the optional coverages available in the state. The two most common are collision insurance and comprehensive insurance, which provide additional protection for your vehicle. 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 hail or theft.

Maine state minimum requirements:

Liability:

  • Bodily injury — $50,000 per person
  • Bodily injury — $100,000 per accident
  • Property damage — $25,000 per accident

Medical payments:

  • $2,000 per person

Bodily injury caused by an uninsured/underinsured motorist:

  • $50,000 per person
  • $100,000 per accident

Bodily injury liability 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.

Property damage liability 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. Medical payments covers medical expenses for you and your passengers, regardless of who is at fault in the accident.

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 car insurance rates are calculated in Maine

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, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

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?

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

How to save money on your car insurance in Maine

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price 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 lower your car insurance premium.

Here are six 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
  • Monitor price changes to your policy
  • Shop for better insurance rates

How Clearsurance rates and ranks the best car insurance companies in Maine

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. 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.

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

Car insurance guide

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. 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 car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.