Low Cost Auto Insurance in Maine and beyond




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Or read this page for the latest data on cutting car insurance costs in the state of Maine


photo: bangordailynews.com




average auto insurance rates

The Average Annual Premium for Car Insurance in the state of Maine this year was $1,176, making Maine no longer the cheapest state in the nation to buy car insurance. 

Still, the average annual premium in Maine falls comfortably below the overall national average car insurance premium over the same time, which was about $1,365.


Factors contributing to Maine's low cost auto insurance rates may include a low rate of uninsured vehicles, low population density, very low crime rates, and (perhaps) the fact that Maine has the highest median age (40.7) of all U.S. states. 

As an added premium-reducing bonus, the state of Maine almost never experiences major natural disasters such as earthquakes, tornadoes, and floods. 




penalties for uninsured drivers in maine

The penalty for driving an uninsured vehicle in the state of Maine is a fine of up to five hundred dollars and a suspended license for thirty days.

Repeat offenders face harsher penalties. 

One reason why car insurance is less expensive in Maine may be that Maine has the lowest percentage of uninsured drivers of any state in the nation, at less than 5%. That means fewer than 1 in 20 vehicles on Maine roads is uninsured.  



minimum liability coverage for vehicles owned in maine

Car owners in Maine are required by law to buy a minimum auto insurance coverage of 50/100/25.

That means

  • $50,000 in Personal Injury Protection, also known as PIP
  • $100,000 to cover death or injury to others
  • $25,000 to insure against property damage


Maine and Alaska have the highest minimum required car insurance liability limits of all U.S. states.

According to Low Cost Auto Insurance experts, the minimum coverage that is really needed to cover the actual cost of an auto accident is $100,000 in Personal Injury Protection (also known as PIP), and $300,000 coverage against death or injury to others, not to mention at least $50,000 in coverage against property damage. 

In other words, experts recommend at least 100/300 injury coverage for all vehicles owned in America.




Low Cost Auto Insurance in maine

Here are some ways in which auto owners in Maine, and in all U.S. states, can reduce their car insurance premiums.


1. Pay annual premiums all at once instead of monthly. This will score an administrative discount.

2. Live alone, or with low-risk drivers.

3. Qualify for a lot of discounts. For example,

  • Avoiding accidents and moving violations for three years gets an Accident-Free discount and a Good Driver discount.
  • Academic excellence scores a Good Student discount.
  • Having more than one policy with the same carrier scores a Multiple Policy discount.

Other discounts include Defensive Driving Course discounts, Passive Restraint discounts, and Vehicle Safety discounts, among others.



obtaining auto insurance quotes in maine

According to online customer reviews, Maine's favorite auto insurance providers are AAA, Allstate, Esurance, Geico, Progressive, State Farm, and Liberty Mutual Insurance.

However, most car insurance carriers offer similar deals and discounts. 

Grab a few free online quotes. Then call a few local agents and ask about discounts.

Then compare rates and simply select the cheapest premium package that meets your needs. 


Following these easy steps will save you hundreds of dollars each year on car insurance.  






related links

General Auto Insurance Quote In YOUR State 

Compare Average Car Insurance Premiums in all 50 states and Washington DC. 

What Is Comprehensive Auto Insurance? 



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