Low Cost Auto Insurance in Maine and beyond

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For Low Cost Auto Insurance in all 50 states, as well as top U.S. colleges, work-from-home ideas, American cultural info and more, visit any of the links shown below.

Or read this page for the latest info on car insurance in the state of Maine

photo: bangordailynews.com

Average Auto Insurance Rates

The Average Annual Premium for Car Insurance in the state of Maine last year was $808, the lowest of all 50 states and Washington DC. 

The overall national average car insurance premium at that time was about $1,347.

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

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.

Minimum Liability Coverage

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, and $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 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

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

Obtaining Auto Insurance Quotes

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. 

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