Updated: November 18, 2024
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Travelers leads the pack with the highest MoneyGeek score for car insurance in Maine overall. If you're seeking minimum coverage, Vermont Mutual is top-rated. Meanwhile, families with teen drivers might prefer Travelers for their needs.
For those focusing on expenses, MoneyGeek also analyzed the cheapest car insurance in Maine, if cost is your primary consideration, regardless of service quality.
Best Car InsuranceMaineBest Car Insurance in Maine
Why Trust MoneyGeek? We created an insurance scoring system for providers in Maine based on customer satisfaction, claims experience, essential coverages, affordability and financial stability using six independent sources.
These recommendations were updated in March 2024 to reflect the current best car insurance options in Maine.
Travelers emerges as the top-ranked car insurance company in Maine, with an impressive MoneyGeek score of 92 out of 100. The scores among rated companies vary from a high of 92 to a low of 66, reflecting diverse performance standards in MoneyGeek's baseline scoring system. Insurers may receive different scores based on specific driver characteristics.
How does MoneyGeek score companies?
MoneyGeek's scoring system values customer satisfaction and affordability as paramount factors when evaluating insurance providers. However, a significant emphasis is also placed on Claims Experience and Offered Coverages. These elements form a comprehensive assessment, ensuring that the Overall MoneyGeek scores reflect a balanced consideration of what matters most to policyholders.
Certain insurers, such as Concord Group and Countryway Insurance, didn't qualify for a MoneyGeek score due to incomplete data on all five scoring components. Concord Group performs notably well in non-claims customer satisfaction and affordability, whilst Countryway Insurance's strong suits weren't sufficiently captured within the top rankings. Their absence from the full scoring system underscores the necessity of complete data to establish a comprehensive MoneyGeek score.
| Travelers | 92 | $644 |
| GEICO | 90 | $693 |
| Progressive | 89 | $766 |
| State Farm | 87 | $934 |
| Allstate | 84 | $900 |
| Vermont Mutual | 84 | $609 |
| Bristol West | 66 | $1,531 |
| Concord Group | No Data | $615 |
| Countryway Insurance | No Data | $922 |
MoneyGeek found that Travelers is the best option in Maine for best full coverage car insurance, with an excellent MoneyGeek score and an impressive annual premium rate.
Travelers stands out in Maine not only for its excellent MoneyGeek score but also for its combination of high satisfaction ratings, affordability and remarkable coverage offerings. These factors contribute significantly to why Travelers is a leading choice for those seeking quality full coverage car insurance.
For Maine drivers looking to balance cost with quality, it's also beneficial to consider the cheapest full coverage car insurance in Maine.
Ranks No. 1 in Maine for claims satisfaction.
Offers roadside assistance and gap insurance, ranking No. 1 in Maine for key coverages.
Does not excel in customer satisfaction, with a score of 28.
Ranks No. 3 in Maine for cost, with an average annual premium of $644.
Does not offer rental car and travel reimbursement or OEM Coverage.
Travelers' high MoneyGeek Score (92 out of 100) is primarily attributed to its exceptional claims handling and coverage, with scores of 20 out of 20 and 10 out of 10, respectively. The company offers common car insurance coverages like rental car and/or travel reimbursement and roadside assistance. Although it doesn't provide certain reasonably common coverages such as new car replacement, accident forgiveness or gap insurance, Travelers is highly recommended due to its strong scores in key categories.
MoneyGeek found that Travelers is the best option in Maine for outstanding car insurance service. Based on our comprehensive analysis, two top providers stand out:
Travelers distinguishes itself with high marks in customer satisfaction and claims handling, factors that are crucial for a positive insurance experience. Moreover, Travelers offers its superior service at a more competitive price.
Having an insurance company that can deliver exceptional service and handle claims efficiently is imperative. It's not just about repairing a vehicle; it's about providing support and peace of mind in stressful situations.
Ranks well in Maine for claims handling, with a No. 1 ranking.
Offers new car replacement and accident forgiveness,
Ranks No. 1 in Maine for key coverages.
Does not excel in customer satisfaction, with a score of 36.
The best scores for Travelers stem from its top-tier customer satisfaction and claims handling, both contributing significantly to an impressive MoneyGeek score of 91 out of 100. Travelers offers both common coverage options, with roadside assistance, rental car and/or travel reimbursement, which is a clear positive for customers seeking these essential services. Furthermore, some reasonably common coverages like new car replacement and accident forgiveness are also available, ensuring a diversified insurance experience.
Each of these coverages adds meaningful value to a Travelers policy, as reflected in their solid satisfaction score of 36 out of 45 and a perfect coverage score of 20 out of 20.
MoneyGeek found that Vermont Mutual is the best option in Maine for consumers seeking car insurance with minimum coverage.
Vermont Mutual stands out with the highest MoneyGeek score in Maine, indicative of its superior customer satisfaction and affordability. It's noteworthy that a policy with Vermont Mutual for the minimum insurance required by law in Maine can be secured for as little as $278 annually.
Opting for just the minimum coverage can lead to financial protection shortcomings resulting in high out-of-pocket costs in the event of significant damage or injuries. For a better financial security, consider having a more encompassing coverage.
Ranks No. 1 in Maine for customer satisfaction.
Leads in affordability, ranking No.1 among the insurers, with an average annual premium of $278 for minimum coverage.
Missing common discounts such as bundling, multiple car and safe driving.
The robust MoneyGeek score of Vermont Mutual is bolstered primarily by perfect marks in affordability (40 out of 40) and satisfaction (25 out of 25). With an average annual premium of just $278, customers enjoy remarkable value for their insurance coverage.
Reaffirming its economic advantage, Vermont Mutual's remarkable affordability score clearly contributes to its leading MoneyGeek score (84 out of 100). Further boosting this score are the equally important aspects of customer satisfaction, along with above-average scores in claims handling, coverage and stability. These elements reflect Vermont Mutual's commitment to delivering excellent value and service in insurance coverage.
In Maine, driver age heavily influences car insurance costs, reflecting risk levels and age-tailored coverage benefits and discounts. MoneyGeek found that Travelers stands out as the best car insurance provider for teens with a score of 91 out of 100, offering a yearly premium of $1,094. Likewise, for young adults, Travelers leads with a score of 93 out of 100 and an annual rate of $716. Seniors can also find exceptional value with Travelers, which commands a top score of 93 out of 100 and offers a yearly premium of just $567. These findings reinforce Travelers as the best option across all three age groups.
Best for teens: Travelers
Best for seniors: Travelers
Best for young adults: Travelers
MoneyGeek found that Travelers is the best option in Maine for teens needing car insurance coverage. Here are the top two providers based on MoneyGeek scores:
Travelers stands out with its high satisfaction and affordability scores, contributing significantly to its leading MoneyGeek score. The annual cost of insuring a teen with a policy from Travelers is notably less expensive — emphasizing that for cheap car insurance for a teen in Maine, it is much more affordable to add them to a family policy than to procure an individual policy for them.
Adding a teen to your car insurance policy in Maine, much like other states, is costly due to the higher risk associated with young, inexperienced drivers. These drivers are statistically more likely to be involved in accidents, leading to higher claim frequencies and higher insurance premiums to offset the risk for insurers.
Offers good student, distant student and driver's education discounts.
Ranks No. 1 in the Maine for claims handling.
Ranks No. 1 in the Maine for key coverages.
Ranks No. 5 in Maine for customer satisfaction.
Ranks No. 4 in Maine for affordability, with an average annual premium of $1,094.
Travelers secures its top MoneyGeek score predominantly through excellent claims handling and coverage, boasting a perfect score of 20 out of 20 and 10 out of 10, respectively. For families with young drivers, Travelers offers a triple boon with good student, distant student, and driver's education discounts, making it an appealing choice for those looking to save.
Travelers stands out with valuable discounts for younger drivers: A good student discount rewards academic achievement with premium reductions. A distant student discount applies when dependents attend school over 100 miles away and don't have a car. Ultimately, a driver's education discount incentivizes completing a driver's education course. Beyond discounts, Travelers also delivers valuable coverage options. Premier New Car Replacement™ provides extra protection when purchasing new vehicles, and accident forgiveness helps to shield against premium spikes following the first accident. These offerings showcase Travelers' commitment to comprehensive protection and budget-friendly solutions.
MoneyGeek found that Travelers is the best option in Maine for seniors seeking top-rated car insurance.
Travelers stands out for its high MoneyGeek score and for having outstanding customer satisfaction and affordability ratings. Seniors looking for cheap car insurance in Maine will find Travelers' annual cost of $567 to offer a favorable balance between quality service and affordability.
Offers roadside assistance and rental car and/or travel reimbursement.
Ranks No. 1 in Maine for claims handling.
Ranks No. 1 in Maine for key coverages.
Ranks No.1 for affordability, with an average annual premium of $567 for full coverage.
Ranks No.9 in state for customer satisfaction.
Does not excel in customer satisfaction, with a score of 28.
Travelers insurance shines with perfect scores in affordability (30 out of 30) and claims (20 out of 20), contributing significantly to its outstanding MoneyGeek score of 93 out of 100. Offering roadside assistance and rental car and/or travel reimbursement, Travelers ensures comprehensive support for its policyholders in case of an accident, despite not having every possible discount.
Moreover, with an average annual premium of $567, Travelers extends discounts for safe driving and bundling but does not offer a senior discount.
Roadside assistance provides help for things like flat tires or dead batteries, ensuring that help is just a call away. Rental car and/or travel reimbursement cover the cost of a rental car or travel expenses if your vehicle is inoperable due to a covered accident, offering tremendous convenience and financial relief during stressful times. These coverages, combined with Travelers' excellent MoneyGeek scores in customer satisfaction (28 out of 35) and coverage (10 out of 10), underscore why it's a top choice for consumers seeking dependable insurance solutions.
MoneyGeek found that Travelers is the best option in Maine for car insurance for young adults with impressive ratings across the board.
Travelers claim the top spot based on data for drivers in their 20s, excelling in scores of satisfaction, affordability, claims handling and coverage — the significant components contributing to its MoneyGeek score. To access affordable car insurance for young adults in Maine, young drivers can expect an annual premium of $716 with Travelers.
Car insurance for young adults in Maine, similar to other states, is costlier due to the perceived higher risk associated with insuring younger, less experienced drivers.
Ranks No. 1 in Maine for claims satisfaction.
Ranks No.1 in Maine for cost with an annual premium of $716.
Offers good student, distant student and driver's education discounts.
Ranks No. 28 in customer satisfaction.
Travelers insurance excels in affordability (30 out of 30) and claims handling (20 out of 20), which are integral to its impressive MoneyGeek score of 93 (out of 100). The insurer provides all three common discounts for young drivers: good student, distant student and driver's education. Furthermore, Travelers offers both common coverages of roadside assistance and rental car and/or travel reimbursement, making its policy comprehensive, despite the slight negative of not providing some reasonably common and rare coverages like new car replacement and accident forgiveness.
Roadside assistance ensures drivers are not left stranded in the event of a vehicle breakdown, providing peace of mind for unexpected situations. Additionally, if an accident renders your car unusable, rental car and/or travel reimbursement can be a financial lifesaver, covering the cost of a rental car or other travel expenses. Even though Travelers might not offer certain reasonably common coverages such as gap insurance, the strong satisfaction (28 out of 35) and coverage (10 out of 10) scores underline its value to customers.
MoneyGeek found that Travelers is the best option in Maine for drivers with offenses on their record, offering a compelling blend of affordability, customer satisfaction and coverage.
Travelers stands out due to its high customer satisfaction and claim handling scores. The attention to customer needs and competitive pricing makes Travelers the front runner, especially for drivers with speeding tickets, at-fault accidents and DUIs. The annual cost Travelers offers to these types of drivers is $968, demonstrating that cheap car insurance as a high-risk driver in Maine is more competitive but still slightly higher than what drivers in their prime would pay.
Insurance premiums in Maine and other states typically increase following a driving offense due to the higher risk associated with these drivers.
Ranks well in Maine for claims satisfaction.
Ranks No. 2 for cost, with an average annual premium of $968.
Offers roadside assistance, rental reimbursement, accident forgiveness and new car replacement.
Doesn't excel in customer satisfaction.
Lacks common discounts like affinity organization and early signing.
Travelers achieves a high MoneyGeek score, with outstanding marks in satisfaction (28 out of 35) and affordability (28 out of 30). This insurer provides a comprehensive range of coverage options, including roadside assistance and accident forgiveness, which are particularly valuable for drivers with a poor record. With an average annual premium of $968 and an affordability score greater than 25, Travelers stands out as an affordable option for those with driving offenses who typically face higher rates.
For drivers with spotty driving histories, Travelers offers several coverages that can provide peace of mind on the road. The availability of roadside assistance ensures help is at hand should you encounter any breakdowns or emergencies. Accident forgiveness can be a boon, protecting your premium from rising after your first accident. Additional options like new car replacement can offer financial protection when replacing a new car if totaled.
MoneyGeek found that Travelers is the best option in Maine for drivers with new cars seeking top-tier car insurance coverage. It stands out mainly because it provides crucial coverage options for new vehicles, which MoneyGeek emphasizes by excluding insurers that do not offer new car replacement and/or better car replacement coverages.
These essential options are instrumental in ensuring that drivers are not financially disadvantaged due to depreciation in the event of an accident. At an annual cost of $672, opting for an insurer like Travelers with new or better car replacement could result in considerable savings in an accident scenario. Without such coverages, driver would only receive payment for the depreciated value of their vehicle, which is invariably lower than its initial cost or replacement value.
Ranks well for general customer satisfaction.
Ranks No. 1 for claims satisfaction.
Offers competitive cost with average annual premium of $672 for full coverage.
Provides new car replacement coverage.
Travelers, with exceptional marks in affordability and claims handling, contributes significantly to its high MoneyGeek score of 93. It also offers new car replacement, an optional add-on that is invaluable for drivers with new cars, protecting their investment with a replacement vehicle in the event of a total loss. The annual average premium with Travelers is $672.
Moreover, essential common coverages such as roadside assistance and accident forgiveness offer added layers of protection, facilitating peace of mind during unforeseen circumstances. Travelers also include rental reimbursement and gap insurance. These offerings underscore Travelers' satisfaction score of 28 (out of 35) and coverage score of 10 (out of 10), solidifying its place as a top insurance provider.
MoneyGeek found that USAA is the best car insurance option for military in Maine, with an impressive MoneyGeek score that showcases its dedication to service quality and affordability for the military community.
Although USAA ranks as the top provider, it should be noted that it is exclusively available for current and former military members and their families. With an annual cost of $523, USAA not only provides excellent service but also represents a great value for eligible members. For those focused on rates while still considering wide availability, they can also explore the cheapest car insurance in Maine for military drivers.
Ranks No. 1 in Maine for general customer satisfaction.
Ranks No. 1 in Maine for cost, with an average annual premium of $523 for full coverage.
Offers common coverages such as roadside assistance and rental car and/or travel reimbursement.
USAA's outstanding MoneyGeek Score is most influenced by its perfect satisfaction (35 out of 35) and affordability (30 out of 30) scores. USAA is tailored for military personnel and their families, offering a competitive average annual premium of $523.
USAA provides several beneficial coverages for drivers. Accident forgiveness is a reasonably common coverage that benefits long-term customers; by avoiding accidents for five years, your rates won’t increase after one at-fault accident. Additionally, roadside assistance, a common coverage, ensures help is on the way for services like towing, jump starts or tire changes. Rental car and/or travel reimbursement, another common coverage, pays for your rental car costs while your vehicle is being repaired due to a covered claim. These widely-valued coverages offer USAA clients security and convenience, reinforcing both the high satisfaction and coverage scores.
In Maine, premier car insurance providers excel by offering an optimal blend of affordability, consistent financial reliability and an unequivocal commitment to exceptional customer service. MoneyGeek meticulously analyzes these factors on your behalf to guide you in selecting superior coverage. For those inclined to independently investigate, here is our recommendation for finding a policy that aligns with your individual needs:
Exceptional customer service is pivotal for car insurers in Maine, ensuring reliable support and efficient claims processing. Proactive shoppers should consult independent evaluators like J.D. Power and the NAIC for comprehensive company records. Travelers, distinguished for its exemplary service in Maine by MoneyGeek, boasts a customer satisfaction score of 36 (out of 45) and a perfect claims handling score of 30 (out of 30).
Maine drivers can unlock significant savings by comparing insurance quotes, with a preference for a balanced cost and service excellence. Personal research tailored to individual backgrounds is crucial for finding the most affordable options. Vermont Mutual is MoneyGeek's top pick for minimum coverage in Maine, featuring an attractive annual premium of $278, ensuring affordability without compromising quality.
The right coverage options are vital to meet the diverse needs of Maine drivers. It's essential to investigate which insurers provide the coverages that align with your requirements. Progressive, Travelers and Allstate each received a perfect coverage score of 10 from MoneyGeek, indicating they offer all four key coverages: rental car and/or travel reimbursement, roadside assistance, gap insurance and original equipment manufacturer coverage.
Selecting an insurer with robust financial stability mitigates the risk of unpaid claims due to financial issues. It's worth the effort to research companies with strong financial health. Travelers, State Farm and GEICO each earned a perfect stability score of 5/5 from MoneyGeek, reflecting the highest financial strength rating of A++ from A.M. Best, assuring exceptional financial reliability.
The best car insurance options for you largely depend on your specific needs and preferences. We’ve answered some of the most common questions to help you make the right purchase.
Travelers is determined to be the best car insurance in Maine overall, with an impressive MoneyGeek score of 92. The company's annual premium is $644. Claims handling and affordability are the two most significant factors contributing to its high MoneyGeek ranking, with scores of 20 (out of 20) and 29 (out of 30), respectively.
Vermont Mutual is recognized as the best for cheap car insurance in Maine, with an annual premium for a minimum coverage policy at $278 and a MoneyGeek score of 84. While minimum coverage policies are the most affordable, they offer less protection than full coverage policies. Consumers can still find affordable full coverage options by comparing quotes.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
