Car Insurance in Augusta, ME

Maine currently ranks as the cheapest state for car insurance in the nation. With rates averaging just over $800 annually, there's no reason you can't find an affordable policy in your town. Car insurance is critical for helping you financially recover after accidents and other disasters.

An independent insurance agent in Augusta can help you get the right car insurance for you. They'll ensure that you get all the coverage you need to feel safer on the road. But for starters, here's a breakdown of car insurance specifics in Augusta, ME. 

Best Car Insurance in Augusta, ME

To find the best car insurance in Augusta, your best bet is to work with a local independent insurance agent. Not only do independent insurance agents know where to find the best car insurance at the most affordable rate, but they can also help you apply for coverage. Throughout the life of your policy, your independent insurance agent can also help you maintain your coverage and even change or cancel it later on.

What Does Car Insurance Cover in Augusta, ME?

Your car insurance policy must comply with Maine's minimum car insurance requirements and your own needs. Often, you'll find the following coverages in a car insurance policy:

• Personal injury protection: This coverage reimburses injuries to yourself and your passengers if you're at fault for an accident.
• Liability coverage: This covers legal expenses if you cause property damage or bodily injury to a third party with your vehicle.
• Comprehensive coverage: This covers the cost to repair or replace your vehicle if it gets damaged or totaled by a non-collision event such as a hailstorm or theft.  
• Collision coverage: This covers the cost to repair or replace your vehicle if it gets damaged or totaled in a collision, regardless of fault. 

Your independent insurance agent in Augusta can help advise on exactly which coverages you need in a car insurance policy.

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How Much Does Car Insurance Cost in Augusta, ME?

Annual car insurance rates in Maine average just $805 per year, which currently ranks as the cheapest in the nation. Compared to the current national average of $1,311 annually, drivers in Augusta can save a great deal on their coverage. An independent insurance agent in Augusta can easily help you find affordable car insurance in your town.

Is Car Insurance Required in Augusta, ME?

To meet Maine's minimum car insurance requirements, resident drivers must carry two types of liability coverage, uninsured motorist coverage in two categories, and medical payments coverage.

In Maine, you must carry these types of car insurance:

• Bodily injury liability: This covers costs of lawsuits related to causing bodily injury to someone else with your vehicle. In Maine, coverage of at least $50,000 per person and $100,000 per incident of bodily injury liability is required for all drivers.
• Property damage liability: This covers costs of lawsuits related to causing damage to someone else's property with your vehicle. In Maine, coverage of at least $25,000 per incident of property damage liability is required for all drivers.
• Uninsured motorist coverage: This covers you if you get into an accident with an uninsured or underinsured driver who was at fault. In Maine, all drivers must have at least $50,000 of uninsured motorist coverage per person and $100,000 per accident.
• Medical payments coverage: This covers the costs of medical treatments to you and your passengers if there are any injuries after an accident that you caused. Drivers in Maine must carry at least $2,000 in medical payments coverage.

Independent insurance agents in Augusta are familiar with your state's minimum car insurance requirements. They'll make sure to get you set up with a car insurance policy that satisfies the legal requirements and more.

What Are the Best Car Insurance Companies in Augusta, ME?

Finding a quality car insurance company in your city is easy. We've gone ahead and compiled a list of a few of our top picks for car insurance companies in Augusta for you.

Best Car Insurance Companies in Augusta, ME	Star Rating
Progressive
Foremost
Peerless
Travelers
MAPFRE Insurance

Why Work with an Independent Insurance Agent in Augusta, ME?

There's no such thing as a one-size-fits-all car insurance policy. With a wide variety of products and options at your disposal, you can put together a solid car insurance package that's custom-built for you and other drivers in your family.

Independent insurance agents can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best car insurance companies in Maine to find you the right coverage at a great price.