Maine Car Insurance Calculator
Calculate your auto insurance cost in Maine. Compare with state averages and find savings.
$1,023
Avg Annual Premium
50/100/25
Min Liability
Monthly Avg
$85
Full Coverage
$1,345
Min Coverage
$378
Uninsured Rate
4.9%
Maine Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$50,000
Bodily Injury (per accident)$100,000
Property Damage$25,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristRequired
Med Pay RequiredYes
Factors Affecting Car Insurance Rates in Maine
Low populationWinter drivingRural roads
Major Metro Areas in Maine
PortlandLewistonBangorAuburnBiddeford
FAQ
Maine Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Maine
The average annual car insurance premium in Maine is $1,023, or about $85 per month. Full coverage averages $1,345 annually, while minimum coverage averages $378. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Maine requires minimum liability coverage of 50/100/25 ($50,000/$100,000 for bodily injury and $25,000 for property damage). Uninsured motorist coverage is also required.
Key factors affecting Maine car insurance rates include: Low population, Winter driving, Rural roads. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 4.9% of drivers in Maine are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Maine car insurance: 1) Compare quotes from multiple insurers like GEICO, State Farm, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Maine include: GEICO, State Farm, Progressive, Allstate, MMG Insurance. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
ME Insurance Costs
Average premiums in Maine:
- Annual Average$1,023
- Monthly Average$85
- Full Coverage$1,345
- Minimum Coverage$378
ME Requirements
Minimum coverage required:
- Liability50/100/25
- PIP RequiredNo
- UM RequiredYes
- Uninsured Rate4.9%
Top ME Insurers
Popular insurance companies:
- •GEICO
- •State Farm
- •Progressive
- •Allstate
- •MMG Insurance