Average Car Insurance Cost in Maine (2025)

In Maine, a full-coverage policy averages $148 monthly, which is less than the national full-coverage average of $196.

Many factors contribute to Maine’s inexpensive average auto insurance rate, including the state’s low population density and second-lowest percentage of uninsured motorists in the country.^[1] Although insurance rates have increased over the past several years, you can still find cheap car insurance in Maine.

How much is car insurance in Maine?

In Maine, full coverage costs an average of $148 per month, or $1,782 per year. Full-coverage car insurance, which includes comprehensive and collision, pays for damage to your car.^[2] 

If your car is older, or you can afford to pay out of pocket to replace it, you’ll save money by switching to liability-only coverage. In Maine, liability-only insurance costs an average of $82 per month, or $984 per year. Your actual costs depend on factors like your driver demographics, type of vehicle you drive, and the coverage amount you choose.

Shop for Maine Car Insurance

Liability quotes start at $40/mo.

Enter your ZIP codeView My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Average Maine car insurance rates by city

Where you live in Maine influences your insurance costs, as rates tend to be higher in big cities with more drivers. Insurance companies also consider theft, vandalism, and accident rates, as well as weather patterns and repair costs.

Average Maine car insurance rates by age and gender

Your age and gender also affect your car insurance rates. Rates tend to be highest for teenage drivers due to their lack of experience and higher rate of fatal crashes.^[3] A 16-year-old driver, for example, pays much more for car insurance than a senior driver pays for the same coverage.

Beyond age, gender also influences insurance rates. Data shows that men not only get into more accidents than women but also tend to have more serious accidents.^[4]

The table below outlines the average rates for male and female drivers based on age. You’ll receive a more competitive rate as you age and gain more driving experience.

Average cost to insure popular vehicles in Maine

Your vehicle’s make and model are other factors that affect your car insurance rates. For example, a vehicle that’s only a year old usually costs more to insure than an older car.

In Maine, trucks top the list of the state’s most popular vehicles, according to data from Edmunds, due to their ability to handle Maine’s terrain and harsh winters. The Toyota RAV4 and Subaru Forester’s safety features and practicality make them popular options for Maine drivers as well.

Below, you can see the average insurance rates for each of these popular vehicles.

Vehicle	Average Monthly Quote
Ford F-Series	$148
Chevrolet Silverado	$157
Toyota RAV4	$145
GMC Sierra	$158
Subaru Forester	No data available

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How your driving record affects car insurance rates in Maine

Insurance companies consider your driving history over the past three to five years. The better your driving record, the lower your car insurance costs.^[5]

Every time you’re involved in an accident and file a claim, you’ll receive compensation from your insurer. For this reason, if you have a history of at-fault accidents, speeding tickets, or DUIs, you’ll have higher monthly rates since insurance companies consider you a higher risk.

The following table shows the average rate for a driver with an accident, speeding ticket, or DUI on their record and the percentage that each infraction increases their premium.

Driver Record	Average Monthly Quote	% Increase Compared to Good Drivers
With accident	$195	65%
With speeding ticket	$215	82%
With DUI	$219	86%

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How to lower your insurance costs in Maine

Maine insurance rates are below the national average, but you can take additional steps to find the best insurance for your needs:^[7]

• 

  Look for usage-based insurance

  If you drive less than 10,000 miles per year, you could save on your annual rate by choosing usage-based insurance. This lets you pay for your coverage based on your mileage — often calculated through telematics.

• 

  Improve your credit

  If you currently have less-than-perfect credit, you may pay higher insurance premiums. Paying your bills on time and keeping your credit card balances low can improve your credit, helping you qualify for lower rates.

• 

  Take advantage of discounts

  Many insurers offer discounts, such as those for paying your premium in full. You might also qualify for a discount if you take a defensive driving course, remain accident-free for a certain number of years, or have a car with safety features or an anti-theft device.

• 

  Bundle your policies

  You can often get a discount if you purchase multiple policies from the same company. For example, you can bundle your auto and home insurance to save money.

• 

  Shop around

  Different insurers cater to different types of drivers. For example, State Farm offers discounts that can benefit teens and drivers with a clean record. If you’re looking for a company with a variety of local agents, Vermont Mutual may be a good choice. Check with different insurers each time your policy renews to make sure you’re getting the best rate.

Maine average car insurance cost FAQs