Maine Car Insurance Quotes & Average Rates
Full coverage car insurance in Maine is estimated at $1,115 a year, or $93 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $375 a year. Maine is an at-fault state, and drivers must carry 50/100/25 liability limits. Below you will find estimated rates for 14 Maine cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — Maine
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Maine
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $847 | $71 | -24% | Military members and families only |
| Geico | $914 | $76 | -18% | Usually cheapest for clean records |
| State Farm | $981 | $82 | -12% | Strong for young and student drivers |
| Progressive | $1,059 | $88 | -5% | Competitive after a ticket or accident |
| Travelers | $1,082 | $90 | -3% | Good multi-policy discounts |
| Nationwide | $1,115 | $93 | 0% | Mid-market, wide availability |
| Allstate | $1,271 | $106 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $1,349 | $112 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Maine. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Maine car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $3,012 | $1,012 | $251 |
| 18 years old | $2,540 | $854 | $212 |
| 20 years old | $2,103 | $707 | $175 |
| 22 years old | $1,747 | $587 | $146 |
| 25 years old | $1,333 | $448 | $111 |
| 30 years old | $1,149 | $386 | $96 |
| 40 years old | $1,080 | $363 | $90 |
| 50 years old | $1,034 | $348 | $86 |
| 60 years old | $1,023 | $344 | $85 |
| 65 years old | $1,069 | $359 | $89 |
| 70 years old | $1,172 | $394 | $98 |
| 75 years old | $1,368 | $460 | $114 |
Estimated premiums by age in Maine, clean record, sedan.
How violations change your Maine premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $1,115 | — |
| 1 speeding ticket | $1,371 | +23% |
| 1 at-fault accident | $1,639 | +47% |
| DUI / DWI | $2,107 | +89% |
What a violation costs a 35-year-old in Maine. Surcharges normally stay on the policy for three to five years.
A DUI in Maine usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
Maine minimum insurance requirements
| Required coverage in Maine | Minimum limit |
|---|---|
| Bodily injury liability, per person | $50,000 |
| Bodily injury liability, per accident | $100,000 |
| Property damage liability | $25,000 |
| Uninsured motorist 50/100 | Required |
| Medical payments $2,000 | Required |
| Insurance system | At-fault (tort) |
Limits are set by statute and change from time to time. Confirm the current figures with the Maine Department of Insurance before you buy.
Coverage levels in Maine
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $375 | $31 |
| Full coverage (100/300/100 + comp & collision) | $1,115 | $93 |
| Full coverage, high limits + low deductible | $1,327 | $111 |
Coverage level comparison for Maine.
Car insurance rates in Maine cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 14 Maine cities we price.