Popular Questions about Car Insurance in Maine

On average, drivers in Maine pay just $805 per year for their car insurance. This is significantly lower than the national average cost of $1,311 per year and makes Maine one of the least expensive states for buying automotive coverage. 

As a vehicle owner in Maine, you can find the best rates by comparison shopping with a local independent insurance agent. These agents can help you by obtaining customized car insurance quotes from multiple insurance companies on your behalf. That way, you can be sure you are getting the coverage you need at a competitive price. 

Accidents can happen to even the most careful and experienced drivers. This is especially true when road conditions are hazardous, such as following a winter snowfall or during a torrential rainstorm.

If you are involved in a collision, here are a few things your Maine auto insurance can do to help.

  • Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender.
  • Fix Someone Else's Car – Required/Min. $25,000. We officially call this "property damage liability."
  • Pay Your Medical Bills – Required / Min. $2,000. We officially call this "personal injury protection" or "PIP."
  • Pay Someone Else's Medical Bills – Required/Min. $50,000 per person; $100,000 per accident. We officially call this "bodily injury liability."
  • Pay For Uninsured Drivers – Required. This is called uninsured motorist insurance. Your policy must include $50,000 per person / $100,000 per accident worth of uninsured motorist bodily injury coverage.

You can also opt to include other optional coverage with your car insurance policy such as:

  • Gap insurance
  • Roadside assistance and towing insurance
  • Rental car reimbursement coverage
  • Umbrella insurance.

Maine is an at-fault, or “tort” state. This means that the driver who caused the accident is responsible for covering the cost of damage and medical care.

If you are caught driving without insurance in Maine, you can face of fine of between $100 and $500 and have your driving privileges suspended until you submit proof of insurance by filing an SR-22, which you will need to maintain for three years. Also, you will need to pay about $100 in fees in order to get your driving privileges reinstated.

In this state, approximately 4.5% of all drivers are operating uninsured vehicles. The good news is that this rate is significantly lower than the national average of 13.0%.

If you are in an accident that was caused by an uninsured driver, that person is responsible for covering your damage and any related medical bills. However, if the uninsured driver simply doesn’t have the funds available, you may be forced to hire a lawyer and take legal action just to collect a fraction of what is due to you.

That is why uninsured motorist coverage can prove so beneficial. If you are in an accident and the at-fault driver is uninsured, underinsured, or a hit-and-run driver, this mandatory coverage can pay for your medical expenses and, if you include the optional uninsured property damage coverage, damage to your vehicle as well.  

Once your insurance company reimburses you for your losses, it will take on the time-consuming responsibility of trying to collect the money owed by the at-fault driver, and will absorb the costs if unsuccessful.

When it comes to car insurance, there is no such thing as a company that is best for everyone.

The policy that may work best for someone with a long, safe driving history may not be the ideal choice for someone with a lot of moving violations on their record. Likewise, an elderly couple may find the best rates with one company while a middle-aged couple with teen drivers in their household may find a competing company to offer a better value.

That is why independent insurance agents do not limit their search to one company. They can obtain customized quotes from a variety of reliable insurers to help you find the policy that is best for you.

Yes! There are currently 165 independent insurance agents in Maine who are ready to help.

These experienced agents are free to work with several top-rated insurance providers to help you find the best rate for auto coverage. That way, you can be certain that you are buying a great policy at a competitive price.

How does car insurance work?

Find the Best Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto theft rate per 1,000Annual insurance cost
Auburn15.41.89$831
Augusta16.71.35$817
Bangor15.41.89$831
Bath18.50.24$770
Biddeford21.61.16$881
Brewer17.20.69$777
Caribou14.11.71$795
Lewiston18.10.64$792
Portland17.41.30$827
Presque Isle12.00.67$682
Saco22.80.51$866
Sanford26.81.09$889
South Portland18.00.51$780
Waterville16.01.02$780
Westbrook21.20.69$857
  1. $69
  2. Portland, ME Car insurance average monthly cost
  3. The average monthly cost of car insurance in Portland is $69.
  4. Of course, this is just an average for several different drivers. Your actual monthly cost could be higher or lower depending on a variety of factors such as your age, driving record, and credit score as well as details about the vehicle(s) you wish to insure. Let an independent insurance agent compile a variety of customized Portland car insurance quotes so you can find the policy that offers the best value for your hard-earned money.
  5. Whether you find yourself in a multi-vehicle collision on I-95 or you cause a fender bender on Congress Street, a good car insurance policy can cover your financial obligations to other people. By purchasing a policy that includes collision coverage, you can be sure that damage to your own vehicle will be covered as well, even if the accident was your fault.
  6. Talk to an independent agent in Portland to learn more about how each of your car insurance coverage options can prove beneficial to you.


  1. $66
  2. Lewiston, ME Car insurance average monthly cost
  3. The average monthly cost of auto insurance in Lewiston is $66.
  4. When calculating your actual car insurance rate, insurance providers will take several factors into account including your vehicle’s make, model and year, and details about you and the other drivers in your household including your ages and  driving records. Rates can also be influenced by the amount of coverage you are purchasing and the size of your deductible. Because of this, your actual monthly cost could be significantly higher or lower than the city’s average.
  5. Accidents don’t just happen on highways. They can happen anywhere. In the city of Lewiston, Court Street at Spring Street has been identified as being among the most hazardous for drivers. Fortunately, a solid car insurance policy can cover your financial obligations if you find yourself to blame for an accident. As long as your policy includes collision insurance, your own vehicle’s damage will also be covered.
  6. Find out more about collision insurance and your other coverage options by talking with a local independent insurance agent.


  1. $69
  2. Bangor, ME Car insurance average monthly cost
  3. The average monthly cost of car insurance in Bangor is $69.
  4. You should, however, only use this average to get a general idea of what you might be expected to pay. Your actual monthly cost could be higher or lower than this, since your Bangor auto insurance rate is completely personalized according to your driving history, vehicle information, deductible amount, and more.
  5. Driving conditions in Bangor can sometimes be dicey. From heavy rainfalls that limit visibility to snow and ice that make roads slick in the winter, these hazardous conditions can sometimes cause even the most experienced drivers to make mistakes. If you cause an accident, you don’t need to worry about the aftermath making you feel like you’re a character in a Stephen King horror novel. An all-inclusive auto insurance policy can cover your losses and prevent you from facing an expensive lawsuit.
  6. Get in touch with an independent insurance agent in Bangor to learn how much it will cost you to purchase varying levels of liability coverage.


  1. $69
  2. Auburn, ME Car insurance average monthly cost
  3. The average monthly cost of car insurance in Auburn is $69.
  4. Residents of Auburn tend to pay more than most others throughout the state, in part because of the relatively high auto theft rate in this city. Of course, your actual price for coverage can differ significantly from this average. This is because insurance companies will take into account things about you such as your age, gender, and driving record as well as details about your vehicle when they calculate your personalized quote.
  5. Imagine leaving your house one morning only to discover that your car has been stolen overnight. Given that an average of 15 cars is stolen in this small city every year, this is not a far-fetched scenario. The good news is that if your car insurance policy includes comprehensive coverage, you can be reimbursed for the value of your car if it is stolen. This optional insurance also covers a variety of non-collision damage such that caused by falling objects, floods, and garage fires.
  6. Learn more about comprehensive coverage as well as the other coverage options available to you by speaking with one of Auburn’s experienced independent agents.


  1. $73
  2. Biddeford, ME Car insurance average monthly cost
  3. The average monthly cost of car insurance in Biddeford is $73.
  4. Because your car insurance rates are customized according to details about you and your vehicle(s), your actual monthly cost could be considerably higher or lower than this amount. Your driving record, the type of car you own, and the amount of coverage you are purchasing are just some of the many factors that can influence how much you will be expected to pay in premiums.
  5. Naturally, the more time you spend behind the wheel of your car, the more likely you are to be involved in a collision. Residents of Biddeford have some of the longest commute times in the state. This extra time spent getting to and from work can translate to higher costs for car insurance. If you work from home or use public transportation, you may qualify for low-mileage discounts on your coverage.
  6. Consult an independent insurance agent in Biddeford to learn more about this potential discount and to find out what else you can do to lower your costs on car insurance.