Last Updated on January 2, 2026

Maine consistently ranks among the least expensive states for car insurance, but “cheap” is still relative. Your price depends on your ZIP code, driving record, vehicle, coverage limits, deductibles, and discounts.

In recent quote studies, full coverage in Maine commonly falls in the ~$1,400–$1,700 per year range, while the national full-coverage average is often closer to ~$2,600–$2,900 per year. In other words: Maine is usually a bargain compared to the rest of the country, but you can still overpay if you don’t shop around.

Below, we’ll cover the best car insurance companies in Maine for different types of drivers, Maine’s required coverages, what happens if you drive uninsured, and proven ways to lower your premium without sacrificing protection.

Key Takeaways

1. Maine Is Usually One of the Cheapest States: Recent studies often place Maine well below the national average for full coverage, but your rate still depends heavily on your ZIP code, vehicle, and driving record.
2. Maine Requires More Than Liability: Minimum coverage includes 50/100/25 liability plus required MedPay ($2,000 per person) and UM/UIM (50/100).
3. Driving Uninsured Can Suspend Your License and Registration: Maine penalties can include a $100–$500 fine and suspensions until you provide valid proof and meet reinstatement requirements.
4. The Best Savings Come From Comparing Quotes: Compare 3–5 insurers (including regional companies), keep coverage identical while comparing, and stack discounts before you cut protection.

Top Auto Insurance Companies in Maine

Maine drivers can choose from national brands (great online tools, lots of discounts) and strong regional carriers (often excellent local service through independent agents). The “best” insurer is the one that gives you the best price-to-coverage-to-claims experience for your situation.

Here are 10 solid options to compare in Maine:

1. USAA: Often one of the best values for eligible drivers, especially for customer satisfaction and claims service. If you qualify for USAA membership, it should be one of your first quotes.
2. GEICO: A popular pick for competitive pricing and a smooth online experience. It’s frequently a strong option for clean-record drivers and straightforward policies. See when GEICO has the cheapest auto insurance and what can change that.
3. Progressive: Great for comparison shoppers who want flexible coverage options, easy online tools, and strong pricing for many driver profiles—including some higher-risk situations.
4. State Farm: A strong choice if you prefer working with a local agent and want to bundle home/renters with auto for discounts. Many Maine drivers like the mix of service and stability.
5. Nationwide: A well-known national carrier worth checking if you want a broad menu of coverages and bundling opportunities. Pricing varies a lot by driver, so it’s best approached as a “must-quote” option.
6. Allstate: A good fit for drivers who qualify for multiple discounts and want robust policy customization. If you’re comparing price, make sure you ask about Allstate car insurance discounts (bundling, safe driving programs, and more).
7. Concord Group: A regional insurer in the Northeast that sells through independent agents. If you like local support and a regional-company feel, start with our Concord Group overview and request a quote through an agent.
8. Countryway Insurance: Another regional carrier that can be competitively priced for certain driver types. Here’s what to know about eligibility and coverage: Countryway Insurance.
9. Vermont Mutual: A mutual insurance company sold through independent agents, often appreciated for service and long-term stability. Learn more in our Vermont Mutual review.
10. MMG Insurance: A Maine-based regional company that works through independent agents. MMG is worth checking if you want a local presence and prefer working with an agent (especially if you’re bundling auto + home).

Maine Minimum Car Insurance Requirements

Like most states, Maine requires drivers to carry insurance. Maine’s requirements are more robust than many states because they include mandatory Medical Payments (MedPay) and uninsured/underinsured motorist (UM/UIM) coverage.

Maine requires these minimum coverages:

• Liability (50/100/25): $50,000 bodily injury per person, $100,000 bodily injury per accident, and $25,000 property damage per accident
• Medical Payments (MedPay): $2,000 per person
• Uninsured/Underinsured Motorist (UM/UIM): $50,000 per person and $100,000 per accident

Maine also allows a Combined Single Limit (CSL) policy of $125,000 to satisfy the minimum liability requirement.

Tip: Minimum coverage is the legal floor, not a guarantee you’re financially protected. Vehicle repair costs and medical bills can easily exceed minimum limits—especially in multi-car crashes or accidents with multiple injuries.

Driving Without Insurance in Maine

It’s illegal to drive without insurance in Maine. You’re expected to have proof of insurance available, and you may be asked to show it during a traffic stop or after a crash. If you’re unsure what happens during a stop, start here: provide proof that you have car insurance.

If you’re caught driving uninsured in Maine, penalties can include:

• Fines: Typically $100 to $500
• License suspension: Until you meet reinstatement requirements
• Registration suspension: Your registration can be suspended until you provide valid proof of coverage

If you actually had valid coverage on the date of the stop (but didn’t have proof on you), you may be able to get the charge dismissed by providing acceptable proof for that date.

SR-22 Insurance and Proof of Financial Responsibility

An SR-22 is not an insurance policy. It’s a form your insurer files to prove you’re carrying the required coverage after certain violations (commonly driving uninsured or other serious offenses). If the state requires it, you’ll need to keep coverage active the entire time—any lapse can trigger another suspension.

How long do you need it? Requirements vary by driver and offense, but Maine SR-22 obligations are often around three years. To understand common timelines and what can extend them, read: require SR-22 insurance.

If you’re trying to keep costs down while meeting the requirement, compare multiple carriers (not all insurers are equally SR-22-friendly). Start here: Shop around for SR-22 insurance.

Car Insurance in Maine After a DUI or OUI

Maine uses the term OUI (Operating Under the Influence), but the insurance impact is similar to a DUI in other states: expect higher premiums, fewer carrier options, and stricter underwriting.

If you need coverage after an OUI/DUI, the fastest way to save is to shop widely and ask each insurer about any high-risk programs or forgiveness features. Some companies tend to be more competitive than others—see options here: charging comparatively cheap rates.

Car Insurance in Maine After an At-Fault Accident

An at-fault accident can raise your rate at renewal, and the impact may last several years depending on the carrier and the severity of the claim. If you’re in this situation, you’ll usually do best by comparing quotes from multiple insurers and asking whether accident forgiveness is available (or can be added for the future).

Car Insurance in Maine With Speeding Tickets

Speeding tickets can increase premiums—especially if you have multiple violations or a serious speeding charge. The best strategy is to compare quotes across multiple insurers and ask about any safe-driving programs that could offset the increase. Use this guide to shop smarter after a ticket: one or more speeding tickets.

Car Insurance in Maine for Young Drivers

Young drivers are typically the most expensive to insure because insurers price based on risk and claims frequency. The good news is that Maine’s overall rates are relatively low, and there are still plenty of ways to reduce costs.

To find cheap car insurance as a young driver, focus on these levers:

• Join a parent/guardian policy when allowed (often cheaper than a separate policy)
• Ask about good student discounts and driver training discounts
• Consider telematics/safe-driving programs (if you drive safely and consistently)
• Drive an insurance-friendly vehicle (older, safer models often cost less to insure)

Car Insurance in Maine With Poor Credit

In many states, insurers can use credit-based insurance scores as one factor when pricing auto insurance. If you have poor credit, it can increase car insurance premiums, although every company weighs credit differently.

If credit is hurting your rate, the best approach is to:

• Compare quotes from multiple companies (credit impact varies)
• Keep continuous coverage (lapses often raise rates)
• Ask about discount stacking (multi-policy, multi-car, safe driver, paid-in-full, etc.)
• Consider a higher deductible if you can comfortably cover it in an emergency

What If My Car Insurance Lapses?

A lapse in coverage can make insurance more expensive because insurers view gaps as a risk factor. If you’re between policies (or missed a payment), fix it quickly and confirm your dates. This guide explains what to do if you let car insurance lapse and how to limit the long-term impact.

FAQs About Car Insurance in Maine

Conclusion: How to Find the Best Auto Insurance in Maine

Maine is usually one of the cheapest states for car insurance, but the best deal still comes from shopping around. Get quotes from a mix of national and regional insurers, compare the same coverage limits and deductibles, and prioritize a company you trust to handle claims well—not just the lowest monthly payment.