Searching for the best cheap car insurance in Maine? We’re here to help! If you’re a newly registered driver or just moved to the state, we’ll help you find car insurance quotes.

Quick Maine Car Insurance Facts

Learn more about car insurance in Maine by reviewing these quick facts:

  • There are about 1 million licensed drivers in Maine, along with 1.2 million registered vehicles.
  • Minimum car insurance liability coverage requirements include $50,000 per person and $100,000 per accident for bodily injury, and $25,000 for property damage.
  • Maine drivers must also carry at least $2,000 per person in medical payments coverage.
  • Car insurance in Maine costs about $456 per year or $38 per month on average.
  • There are about 137 deaths and 128 fatal crashes per year in Maine.
  • 4.9% of Maine drivers are uninsured.
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Minimum Liability Car Insurance in Maine

The state of Maine requires all drivers to protect themselves with minimum liability car insurance coverage. Minimum limits are as follows: 

Bodily injury: $50,000 for the death or injury of one other person/$100,000 per accident

Property damage: $25,000 for property damage, including vehicles and stationary objects

Medical payments: $2,000 per person

Uninsured/underinsured motorists: $50,000 per person/$100,000 per accident

Pine Tree Cruising: Updates & Auto Insurance Insights for Maine 2024

Get ready to explore Maine’s rugged coastline and charming lobster shacks with these key updates for 2024:

Maine Vehicle Code Changes:

  • Limited driving permits for certain offenders: New regulations establish driving restrictions for individuals with specific driving violations. (Source: Maine House Bill 120)
  • Prestige plates for state officials: Expanded eligibility for special license plates for certain state officials and organizations. (Source: Maine House Bill 175)
  • Development impact fees for education: Local governments gain the ability to impose fees on new developments for educational funding. (Source: Georgia Legislation GA/legislation)


These are just highlights, and other changes may apply. Visit the Maine Bureau of Motor Vehicles website for complete information.

Average Auto Insurance Quotes in Maine (2024):

(Sources: The Zebra, ValuePenguin)

Company

Full Coverage

Minimum Coverage

State Farm

$1,102

$345

GEICO

$1,027

$309

Progressive

$1,154

$296

Farmers

$1,203

$332

USAA

$1,252

$347

Individual rates in Maine can vary significantly based on driving history, location, vehicle type, and desired coverage.

Getting Cheap Car Insurance In Maine

Finding good cheap car insurance in Maine can be simpler than you think. Here are some ideas for landing good cheap car insurance quotes that fits within a budget:

  1. Sign up for minimum coverage: Minimum car insurance coverage is more affordable than full coverage.
  2. Shop around: Don’t settle for the first car insurance provider you seek out. Make sure you’re getting the best deal by shopping around first.
  3. Avoid accidents and tickets: Be a defensive driver and keep a good driving record to enjoy lower insurance premiums.
  4. Maine insurance programs: Find out if you qualify for Maine’s state-sponsored insurance discounts.

Discounts for Car Insurance Quotes

CheapInsurance.com recommends that drivers in Maine check to determine if they qualify for discounts for car insurance quotes including:

Good Driver: Drivers who avoid traffic tickets, accidents, etc., qualify for good driver discounts.

Good Student: If you’re attending high school or college and get good grades, this will get cheap car insurance quotes.

Frequently Asked Questions about Automobile Insurance in Maine

What is the average cost of car insurance quote in Maine?

Car insurance quotes in Maine are about $456 annually.

How much is an auto insurance quote per month in Maine?

Maine drivers pay an average of $38 per month for auto insurance quotes.

What is the penalty for driving without vehicle insurance in Maine?

If you’re found driving without vehicle insurance in Maine, you could face fines of $100-500 and have your license and registration suspended.

What is driving like in Maine?

Roughly 4.9% of Maine’s 1 million drivers are uninsured. There is an average of 137 deaths from car accidents and 128 fatal crashes annually in the state.

How can I save money on car insurance in Maine?

Check out these additional ways to save for cheap car insurance in Maine:

  • Insuring more than one car 
  • Mature or student driver
  • Discount for airbags, anti-theft devices, and safety features 
  • Get a discount paying up front
  • Higher deductible

Other Additional Car Insurance Coverages

You may want to consider getting additional car insurance coverages:

Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)

Medical Payments Coverage

Physical Damage Coverage

Endorsements and Riders