Finding the best car insurance in Maine isn’t just about saving money—it’s about getting coverage that actually makes sense for your life.
USAA has some of the lowest rates in Maine, with full coverage averaging about $79 per month. Auto-Owners comes in with the lowest average annual premium at $620. Picking the right insurer really depends on what you want and how much you’re willing to pay.
A lot of Maine drivers are searching for that sweet spot between solid coverage and a price that doesn’t sting.
Liberty Mutual, for example, lets you tweak your policy so you’re not paying for stuff you don’t need. Comparing different options is pretty much the only way to find a plan that fits your wallet and your risks.
It helps to know what to look for before you start shopping.
Things like coverage limits, discounts, and how the company treats its customers will all play into your decision. If you understand these, you’ll have a much easier time picking the right insurance for your situation.
Key Takeaways
- Compare rates to find car insurance that fits your needs and budget.
- Good coverage means picking protections that make sense for you.
- Discounts and tailored policies can help you save.
Top Car Insurance Providers in Maine
There are quite a few car insurance companies in Maine, each with their own rates, coverage options, and customer experiences.
Some big names have lots of discounts and broad networks. Local insurers tend to focus more on personal service.
State Farm
State Farm’s a household name in Maine.
They’re a solid pick for folks who want decent rates and customer service that doesn’t make you want to pull your hair out. You might score discounts for safe driving, having more than one car, or combining your policy with home or renters insurance.
They’ve got a strong agent network, which is nice if you like sorting things out face-to-face.
Coverage options are flexible, so you can shape your policy to fit your budget and needs.
GEICO
GEICO’s known for sharp pricing and a digital platform that’s actually easy to use.
You can get coverage online or through their app, which is super convenient if you’re not into phone calls or paperwork.
Their full coverage rates are usually reasonable, though not always the lowest. Maine drivers often give GEICO props for customer service and fast claims.
Discounts include good driver, military, and multi-policy.
Progressive
Progressive is often among Maine’s leaders for low full coverage prices.
Their average rate is a bit higher than some local companies but beats out plenty of national competitors.
You can use their Name Your Price tool to match coverage to your budget, which is handy if you’re picky. Discounts for safe drivers and multi-car households can help you save.
The experience might feel a little less personal compared to smaller insurers, but the digital tools make up for it in convenience.
Local Maine Insurers
Local insurers in Maine usually offer more personal service.
They’re often more flexible if you’ve got unique coverage needs or tricky circumstances. Some local companies keep their rates right around the state average—or even below.
They know Maine’s roads, weather, and quirks better than the big guys. That local know-how can be a real plus.
Digital tools might be limited, but if you like having a real person to talk to, you’ll appreciate the face-to-face approach.
Coverage Options for Maine Drivers
Understanding car insurance coverage in Maine isn’t as complicated as it sounds.
You’ve got the basics the state requires, plus add-ons that protect your car and your wallet if something goes wrong.
Required Minimum Coverage
Maine law says you need liability insurance to drive.
This pays if you injure someone or damage their property in a crash. The minimums are:
- Bodily Injury Liability: $50,000 per person, $100,000 per accident
- Property Damage Liability: $25,000 per accident
You’re also required to carry uninsured motorist coverage with the same limits.
That helps if you get hit by someone with no insurance or not enough.
Carrying just the minimum is legal, but most drivers bump up their limits to avoid big out-of-pocket bills after a bad accident.
Comprehensive and Collision
Comprehensive and collision coverage are about protecting your own car.
- Collision: Pays to fix your car if you hit another vehicle or object, even if it’s your fault.
- Comprehensive: Covers damage from stuff like theft, fire, vandalism, or weather.
These are optional in Maine, but if you’ve got a loan or lease, your lender will probably require them.
You’ll pick a deductible—usually $250, $500, or $1,000. Lower deductibles mean higher premiums, but less to pay if you need to claim.
Uninsured and Underinsured Motorist
Uninsured motorist coverage is a must in Maine.
It helps pay your bills if you’re hit by a driver with no insurance. Underinsured motorist coverage kicks in if the other driver’s insurance isn’t enough to cover your costs.
You can also add property damage protection for your car if an uninsured driver hits you.
Additional Policy Enhancements
You can beef up your policy with extras, depending on what you care about:
- Roadside Assistance: For breakdowns or running out of gas.
- Rental Car Reimbursement: Pays for a rental while your car’s in the shop.
- Gap Insurance: Covers the gap between your car’s value and what you owe if it’s totaled.
- New Car Replacement: Replaces your new car with a similar model if it’s totaled early on.
These add-ons cost more, but they can save you a lot of hassle—or cash—when life throws you a curveball.
How to Choose the Right Policy
Picking car insurance isn’t just about grabbing the cheapest deal.
You want to look at price, coverage details, and how the company treats its customers. Plus, it’s smart to make sure the insurer is actually able to pay claims when you need them.
Comparing Quotes
Start by getting quotes from at least three companies.
Make sure you’re comparing similar coverage levels—otherwise, it’s apples to oranges. Don’t just look at the monthly price.
Check for discounts, deductibles, and coverage limits.
Discounts can be based on your driving record, car safety features, or if you bundle with other policies. Cheapest isn’t always best—sometimes it leaves you underinsured.
It helps to jot down each insurer’s name, premium, coverage, and discounts. That way, you can see at a glance which one gives you the most bang for your buck.
Evaluating Customer Service
Customer service can make or break your experience.
Look up how easy it is to reach your insurer—do they have 24/7 support? Can you use an app or just a phone number?
Check out reviews for claim handling and response times. You want a company that answers questions without making you jump through hoops.
If the service is bad, even a cheap policy can turn into a headache.
Assessing Financial Stability
You want your insurance company to be able to pay up if disaster strikes.
Check financial ratings from places like A.M. Best, Moody’s, or Standard & Poor’s. Aim for an “A” rating or better.
It’s also worth seeing how long they’ve been around in Maine. Bigger, established companies are less likely to disappear when you need them most.
Saving Money on Car Insurance in Maine
Cutting your car insurance bill isn’t rocket science.
Discounts, tweaking your deductible, and staying safe on the road all help keep costs down.
Available Discounts
Insurers offer all sorts of discounts based on your driving, your car, and even your grades if you’re a student.
You can save for a clean driving record, having certain safety features, or bundling your car and home insurance. Driving fewer miles can also get you a break.
Key discounts to ask about:
- Good driver
- Multi-policy bundles
- Low mileage
- Vehicle safety features
- Good student
Always ask about discounts before you buy—sometimes they don’t mention them unless you do.
Optimizing Deductibles
Your deductible is what you pay out of pocket before insurance kicks in.
Raising your deductible usually lowers your monthly payment. For example, bumping it from $500 to $1,000 can save you each year, but you’ll need to have more cash ready if you need to file a claim.
Think about what you can actually afford if something goes wrong.
If you’re a safe driver or don’t drive much, a higher deductible could be a smart way to save. Just make sure you’re not setting yourself up for a nasty surprise if you ever need to use your insurance.
Safe Driving Incentives
Insurance companies like to reward drivers who keep a clean record. If you steer clear of accidents and tickets, your premiums might drop over time.
Some companies offer telematics or “pay-how-you-drive” programs. These track how you drive—things like speed, braking, and even how hard you turn.
If you drive safely and avoid harsh moves, you could snag a discount. It’s worth checking with your insurer to see if any of these programs match your habits.
Not every driver wants to be monitored, but for some, it’s a good way to save a bit.