See Maine’s car insurance cost for both new and used cars by auto values, deductibles and credit scores. Also see what coverage you need and where you can cut costs without leaving yourself in trouble.
Once ready, see the best local and statewide car insurers.
Curious about car financing? See real Maine car loan rates shared by our community. Also find Maine Best car loan lenders in your area (also community recommended).
Maine’s 50/100/25 Rule: What It Covers
Maine law requires drivers to carry liability coverage. This part of your policy pays for injuries and damage you cause to others in a crash.
- $50,000 for injuries to one person. This pays for medical bills if you hurt someone in a crash.
- $100,000 for injuries to more than one person in a single crash. This is the total amount your insurance will pay for all injured people combined.
- $25,000 for property damage. This pays to fix or replace what you damage, like another car, a fence, or a building.
Maine requires coverage for injuries caused by uninsured and underinsured drivers. This helps protect you if the other driver has little or no insurance.
MFP Tip: Winter crashes can lead to high medical and repair bills. Strong liability limits can help protect your savings.
Maine New Car Insurance Costs
Your new car insurance price depends on the value of your car, how much coverage you choose, and your credit history. New cars often cost more to insure because repairs and replacement parts are more expensive.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $60K | Full | $183 | $212 | $231 | $374 |
| Standard | $153 | $178 | $194 | $314 | |
| Liability only | $96 | $112 | $122 | $197 | |
| $40K-$60K | Full | $155 | $180 | $196 | $316 |
| Standard | $129 | $149 | $163 | $263 | |
| Liability only | $82 | $95 | $104 | $168 | |
| $25K-$40K | Full | $135 | $157 | $171 | $276 |
| Standard | $112 | $130 | $142 | $229 | |
| Liability only | $73 | $85 | $92 | $149 | |
| Below $25K | Full | $118 | $138 | $150 | $242 |
| Standard | $97 | $113 | $123 | $199 | |
| Liability only | $64 | $75 | $81 | $131 |
Maine USed Car Insurance Costs
Used cars in Maine may cost less to insure, but dropping coverage for your own car can leave you paying out of pocket after a crash, a theft, or storm damage.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $40K | Full | $138 | $161 | $175 | $283 |
| Standard | $115 | $134 | $146 | $236 | |
| Liability only | $74 | $85 | $93 | $150 | |
| $15K-$40K | Full | $115 | $134 | $146 | $236 |
| Standard | $95 | $111 | $121 | $195 | |
| Liability only | $62 | $72 | $79 | $127 | |
| Below $15K | Full | $97 | $112 | $123 | $198 |
| Standard | $79 | $92 | $100 | $161 | |
| Liability only | $53 | $62 | $67 | $108 |
Most insurers group policies into three coverage levels:
- Full: Includes liability plus coverage for damage to your own car, even if you cause the crash or weather damages your vehicle.
- Standard: Higher liability limits than the state minimum, with or without coverage for your own car.
- Liability Only: Covers injuries and damage you cause to others, but not your own car.
How Credit History Influences Maine Car Insurance Prices
In Maine, insurers can use your credit history when setting your price. Drivers with strong credit often pay less, while drivers with below-fair credit usually pay much more for the same coverage.
In many cases, a driver with weak credit can pay 50 to 65 percent more than a driver with excellent credit, even if both have similar cars and clean driving records.
MFP Tip: If your credit improves, request a new quote before your renewal date. A better credit history can lead to a lower bill.
Find the Right Coverage
If you finance or lease a new car, your lender will require coverage that pays to repair or replace your car after a crash or storm. This protects their investment until the loan is paid off.
Gap insurance can help during the early years of a loan. If your car is totaled, it covers the difference between what your car is worth and what you still owe.
For used cars, the 10 percent test can guide your choice. If your yearly coverage cost is more than 10 percent of your car’s value, you may want to keep only liability and drop coverage for your own car.
Why Maine’s Minimums Can Leave You Paying Up
When You Damage Someone’s Property
Many vehicles on Maine roads cost more than $25,000 to repair. If your limit runs out, the rest of the bill can fall on you.
If You Injure Someone
Medical care and missed work can push costs past $50,000 for a single person. If more than one person is hurt, the $100,000 total limit has to cover everyone.
When an Uninsured Driver Hits You
Coverage for injuries and damage to your own car can help when the other driver has little or no insurance.
What Shapes Maine Rates
Maine uses an at-fault system. The driver who causes the crash is responsible for injuries and damage, which makes strong liability limits more valuable.
Snow, ice, and coastal storms can damage vehicles and lead to claims across the state.
Traffic around Portland, Bangor, and major routes like I-95 raises the chance of minor crashes and repair costs.
How to Keep Your Maine Car Insurance Affordable
- Bundle policies. Putting home or renters insurance with the same company can lead to lower prices.
- Take a defensive driving course. Some insurers offer discounts for approved classes.
- Use safe-driver tracking programs. These track how you drive and can lower your rate if you avoid hard braking and late-night trips.
- Compare quotes. Prices can vary widely between companies for the same driver and car.
- Raise your deductible. This is the amount you pay out of pocket before insurance kicks in.
MFP Tip: If you drive mostly in rural or coastal areas, ask about low-mileage discounts. Some insurers offer lower rates for drivers who spend less time on the road.
Buying a Car in Maine? Here’s What to Do
You need insurance in place before you can register your vehicle. Dealers often submit paperwork for new cars, while private sales leave the steps to you.
Registration and title work go through the Maine Bureau of Motor Vehicles. New residents and in-state buyers have a short window to complete the process.
Review your coverage once a year. As your car’s value drops, you may be able to adjust your policy and lower your costs.
Maine Best Car Insurance
Find Maine best local insurers by metro areas based on community recommendations
Portland, Lewiston, Bangor, Southportland, Auburn, Biddeford, Sanford, Saco
Portland Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Portland’s area are Diane Newman, agent, State Farm, Julie Francis, agent, State Farm and Noyes Hall & Allen Insurance.
Diane Newman, agent, State Farm (88% Recommend)
- Leads Portland with 4.8 Easy Application, 4.6 Terms & Premium Satisfaction, and 4.8 Support & Guidance, tying the highest Support & Guidance among the top 3.
- Customer feedback points to long-running local service, clear coverage explanations, and helpful support for Portland drivers comparing car insurance.
Julie Francis, agent, State Farm (86% Recommend)
- Scores 4.7 Easy Application, 4.5 Terms & Premium Satisfaction, and 4.7 Support & Guidance, 2 Recommend % points behind Diane Newman.
- Drivers respond well to the office’s local quote access, responsive communication, and direct help choosing auto coverage.
Noyes Hall & Allen Insurance (84% Recommend)
- Earns 4.5 Easy Application and 4.8 Support & Guidance, tying Diane Newman for the highest top-3 Support & Guidance score.
- Customer feedback supports its agency model for drivers who want comparison help, coverage guidance, and local insurance support.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Diane Newman, agent, State Farm | Insurer | 4.8 | 4.6 | 4.8 | 88% |
| Julie Francis, agent, State Farm | Insurer | 4.7 | 4.5 | 4.7 | 86% |
| Noyes Hall & Allen Insurance | Agency | 4.5 | 4.5 | 4.8 | 84% |
| Eric Wilson, agent, State Farm | Insurer | 4.6 | 4.4 | 4.6 | 83% |
| Bob Lindsey, agent, State Farm | Insurer | 4.5 | 4.4 | 4.6 | 82% |
| Clark Insurance | Agency | 4.4 | 4.4 | 4.7 | 81% |
| Cross Insurance | Agency | 4.3 | 4.4 | 4.6 | 80% |
| Liberty Mutual | Insurer | 4.3 | 4.1 | 4.1 | 77% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 76% |
| State Farm | Insurer | 4.5 | 4.1 | 4.2 | 76% |
| Allstate | Insurer | 4.4 | 4.0 | 4.1 | 75% |
| Travelers | Insurer | 4.1 | 4.1 | 4.0 | 74% |
| Nationwide | Insurer | 4.3 | 4.0 | 4.0 | 73% |
| Farmers Insurance | Insurer | 4.2 | 4.0 | 4.0 | 72% |
| GEICO | Insurer | 4.5 | 3.8 | 3.8 | 72% |
Lewiston Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Lewiston’s area are Sam Francis, agent, State Farm, Lisa Laliberte, agent, State Farm and Deanna Lynn, agent, State Farm.
Sam Francis, agent, State Farm (87% Recommend)
- Leads Lewiston with 4.7 Easy Application, 4.5 Terms & Premium Satisfaction, and 4.8 Support & Guidance, the highest Support & Guidance among the top 3.
- Customer feedback supports experienced local service, responsive help, and clear explanations for drivers reviewing auto coverage.
Lisa Laliberte, agent, State Farm (85% Recommend)
- Scores 4.6 Easy Application and 4.7 Support & Guidance, 2 Recommend % points behind Sam Francis.
- Drivers respond well to the office’s local presence, quote access, and help with car insurance decisions.
Deanna Lynn, agent, State Farm (83% Recommend)
- Earns 4.5 Easy Application and 4.6 Support & Guidance, while matching Lisa Laliberte’s 4.4 Terms & Premium Satisfaction score.
- Customer feedback points to helpful staff support and a straightforward local service experience.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Sam Francis, agent, State Farm | Insurer | 4.7 | 4.5 | 4.8 | 87% |
| Lisa Laliberte, agent, State Farm | Insurer | 4.6 | 4.4 | 4.7 | 85% |
| Deanna Lynn, agent, State Farm | Insurer | 4.5 | 4.4 | 4.6 | 83% |
| Champoux Insurance Group | Agency | 4.4 | 4.4 | 4.7 | 82% |
| Varney Agency | Agency | 4.3 | 4.4 | 4.6 | 80% |
| Clark Insurance | Agency | 4.3 | 4.3 | 4.6 | 79% |
| State Farm | Insurer | 4.5 | 4.1 | 4.2 | 76% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 75% |
| Allstate | Insurer | 4.4 | 4.0 | 4.1 | 74% |
| GEICO | Insurer | 4.5 | 3.8 | 3.8 | 72% |
Bangor Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Bangor’s area are Bill Tisdale, agent, State Farm, Kathy Commeau, agent, State Farm and Matt Haskell, agent, State Farm.
Bill Tisdale, agent, State Farm (88% Recommend)
- Leads Bangor with 4.7 Easy Application, 4.6 Terms & Premium Satisfaction, and 4.8 Support & Guidance, tying the highest Support & Guidance among the top 3.
- Customer feedback supports strong local service, convenient contact options, and dependable help reviewing auto insurance choices.
Kathy Commeau, agent, State Farm (86% Recommend)
- Scores 4.6 Easy Application and 4.8 Support & Guidance, tying Bill Tisdale for the highest top-3 Support & Guidance score.
- Drivers respond well to the office’s Bangor presence, coverage guidance, and helpful quote process.
Matt Haskell, agent, State Farm (83% Recommend)
- Earns 4.5 Easy Application and 4.6 Support & Guidance, 3 Recommend % points below Kathy Commeau.
- Customer feedback points to practical local help and clear answers for drivers comparing policy options.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Bill Tisdale, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Kathy Commeau, agent, State Farm | Insurer | 4.6 | 4.5 | 4.8 | 86% |
| Matt Haskell, agent, State Farm | Insurer | 4.5 | 4.4 | 4.6 | 83% |
| Cross Insurance | Agency | 4.4 | 4.4 | 4.7 | 82% |
| Varney Agency | Agency | 4.3 | 4.4 | 4.6 | 80% |
| State Farm | Insurer | 4.5 | 4.1 | 4.2 | 76% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 75% |
| Allstate | Insurer | 4.4 | 4.0 | 4.1 | 74% |
Southportland Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in South Portland’s area are Noyes Hall & Allen Insurance, Clark Insurance and Diane Newman, agent, State Farm.
Noyes Hall & Allen Insurance (86% Recommend)
- Ranks first with 4.5 Easy Application, 4.6 Terms & Premium Satisfaction, and 4.8 Support & Guidance, the highest Support & Guidance among the top 3.
- Customer feedback supports its local agency model, coverage comparison help, and strong guidance for South Portland drivers.
Clark Insurance (83% Recommend)
- Scores 4.4 Easy Application and 4.7 Support & Guidance, 3 Recommend % points behind Noyes Hall & Allen Insurance.
- Drivers respond well to its agency support, local knowledge, and help comparing carrier options.
Diane Newman, agent, State Farm (82% Recommend)
- Earns 4.6 Easy Application and 4.6 Support & Guidance, beating Clark Insurance on Easy Application by 0.2 points.
- Customer feedback points to experienced local service and clear help reviewing auto coverage needs.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Noyes Hall & Allen Insurance | Agency | 4.5 | 4.6 | 4.8 | 86% |
| Clark Insurance | Agency | 4.4 | 4.4 | 4.7 | 83% |
| Diane Newman, agent, State Farm | Insurer | 4.6 | 4.5 | 4.6 | 82% |
| Julie Francis, agent, State Farm | Insurer | 4.5 | 4.4 | 4.6 | 81% |
| Cross Insurance | Agency | 4.3 | 4.4 | 4.6 | 80% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 75% |
| Allstate | Insurer | 4.4 | 4.0 | 4.1 | 74% |
| GEICO | Insurer | 4.5 | 3.8 | 3.8 | 72% |
Auburn Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Auburn’s area are Sam Francis, agent, State Farm, Champoux Insurance Group and Lisa Laliberte, agent, State Farm.
Sam Francis, agent, State Farm (85% Recommend)
- Ranks first with 4.7 Easy Application, 4.5 Terms & Premium Satisfaction, and 4.7 Support & Guidance, tying the highest Support & Guidance among the top 3.
- Customer feedback supports experienced local service and helpful coverage explanations for drivers in the Lewiston-Auburn area.
Champoux Insurance Group (83% Recommend)
- Scores 4.4 Easy Application and 4.7 Support & Guidance, tying Sam Francis for the highest top-3 Support & Guidance score.
- Drivers respond well to the agency’s local support, carrier comparison help, and practical coverage guidance.
Lisa Laliberte, agent, State Farm (82% Recommend)
- Earns 4.5 Easy Application and 4.6 Support & Guidance, 1 Recommend % point behind Champoux Insurance Group.
- Customer feedback points to direct quote help and reliable local service for auto insurance questions.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Sam Francis, agent, State Farm | Insurer | 4.7 | 4.5 | 4.7 | 85% |
| Champoux Insurance Group | Agency | 4.4 | 4.4 | 4.7 | 83% |
| Lisa Laliberte, agent, State Farm | Insurer | 4.5 | 4.4 | 4.6 | 82% |
| Deanna Lynn, agent, State Farm | Insurer | 4.5 | 4.3 | 4.5 | 80% |
| Varney Agency | Agency | 4.3 | 4.4 | 4.6 | 79% |
| State Farm | Insurer | 4.5 | 4.1 | 4.2 | 76% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 75% |
| Allstate | Insurer | 4.4 | 4.0 | 4.1 | 74% |
Biddeford Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Biddeford’s area are Noyes Hall & Allen Insurance, Clark Insurance and State Farm.
Noyes Hall & Allen Insurance (84% Recommend)
- Leads Biddeford with 4.5 Easy Application, 4.5 Terms & Premium Satisfaction, and 4.8 Support & Guidance, the highest Support & Guidance among the top 3.
- Customer feedback supports strong agency guidance, local coverage help, and comparison support for drivers near the southern Maine coast.
Clark Insurance (81% Recommend)
- Scores 4.4 Easy Application and 4.7 Support & Guidance, 3 Recommend % points behind Noyes Hall & Allen Insurance.
- Drivers respond well to local agency service and help comparing coverage options.
State Farm (77% Recommend)
- Earns 4.5 Easy Application and 4.2 Support & Guidance, beating Clark Insurance on Easy Application by 0.1 points.
- Customer feedback supports direct local-agent access and a familiar quote process for auto coverage.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Noyes Hall & Allen Insurance | Agency | 4.5 | 4.5 | 4.8 | 84% |
| Clark Insurance | Agency | 4.4 | 4.4 | 4.7 | 81% |
| State Farm | Insurer | 4.5 | 4.1 | 4.2 | 77% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 75% |
| Allstate | Insurer | 4.4 | 4.0 | 4.1 | 74% |
| GEICO | Insurer | 4.5 | 3.8 | 3.8 | 72% |
Sanford Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Sanford’s area are Noyes Hall & Allen Insurance, Clark Insurance and Progressive.
Noyes Hall & Allen Insurance (82% Recommend)
- Ranks first with 4.4 Easy Application, 4.5 Terms & Premium Satisfaction, and 4.7 Support & Guidance, the highest Support & Guidance among the top 3.
- Customer feedback supports useful agency guidance and help comparing auto insurance options in southern Maine.
Clark Insurance (80% Recommend)
- Scores 4.3 Easy Application and 4.6 Support & Guidance, 2 Recommend % points behind Noyes Hall & Allen Insurance.
- Drivers respond well to local agency service and help reviewing coverage choices.
Progressive (75% Recommend)
- Earns the highest top-3 Easy Application score at 4.6, compared with 4.4 for Noyes Hall & Allen Insurance and 4.3 for Clark Insurance.
- Customer feedback supports its easy quote process and broad availability for drivers comparing auto coverage.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Noyes Hall & Allen Insurance | Agency | 4.4 | 4.5 | 4.7 | 82% |
| Clark Insurance | Agency | 4.3 | 4.4 | 4.6 | 80% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 75% |
| State Farm | Insurer | 4.5 | 4.1 | 4.2 | 75% |
| Allstate | Insurer | 4.4 | 4.0 | 4.1 | 73% |
| GEICO | Insurer | 4.5 | 3.8 | 3.8 | 72% |
Saco Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Saco’s area are Noyes Hall & Allen Insurance, Clark Insurance and State Farm.
Noyes Hall & Allen Insurance (84% Recommend)
- Leads Saco with 4.5 Easy Application, 4.5 Terms & Premium Satisfaction, and 4.8 Support & Guidance, the highest Support & Guidance among the top 3.
- Customer feedback supports strong local agency guidance, coverage comparison help, and clear support for drivers near Portland and Biddeford.
Clark Insurance (81% Recommend)
- Scores 4.4 Easy Application and 4.7 Support & Guidance, 3 Recommend % points behind Noyes Hall & Allen Insurance.
- Drivers respond well to local help, carrier comparison support, and practical auto insurance guidance.
State Farm (77% Recommend)
- Earns 4.5 Easy Application and 4.2 Support & Guidance, beating Clark Insurance on Easy Application by 0.1 points.
- Customer feedback supports its local-agent network and direct quote process for auto coverage.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Noyes Hall & Allen Insurance | Agency | 4.5 | 4.5 | 4.8 | 84% |
| Clark Insurance | Agency | 4.4 | 4.4 | 4.7 | 81% |
| State Farm | Insurer | 4.5 | 4.1 | 4.2 | 77% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 75% |
| Allstate | Insurer | 4.4 | 4.0 | 4.1 | 74% |
| GEICO | Insurer | 4.5 | 3.8 | 3.8 | 72% |
End Note
Meeting the legal minimum keeps you driving, but winter conditions, long rural routes, and uninsured drivers can lead to bills that go beyond those limits.
Match your coverage to what you own and what a real crash can cost in Maine, not just what the law requires.