Maine Car Insurance Calculators: Cost & Coverage

• Rate data comes from Quadrant Information Services, sourced from insurer filings across Maine.
• The ZIP rate calculator shows what drivers with your profile pay in your area, not a statewide average.
• MoneyGeek's licensed insurance analysts wrote and reviewed this page. They do not accept payment from insurers to change recommendations.
• MoneyGeek's editorial work is independent. No insurer partnership affects the rates or rankings on this page.

Your insurance company can change your Maine rate by $47 per month on full coverage, or $564 a year. MMG has the lowest minimum coverage rate in Maine at $27 per month. Allstate charges the most at $55 per month, a $28-per-month difference over minimum coverage, or $336 a year. That $47-per-month full-coverage spread is wider than the $ 41-per-month gap between full and minimum coverage.

MMG appears on national comparison platforms. MMG prices most competitively for drivers with at-fault accidents or violations, ranking first or second in Maine. Drivers with clean records often see MMG rank lower and skip past it. MoneyGeek's cheapest car insurance in Maine includes every insurer writing in the state, so you can see where MMG ranks.

Your registration address in Maine changes your rate by up to $18 per month on full coverage. Lewiston averages $45 per month for minimum and $88 per month for full. Presque Isle, in Aroostook County, averages $35 per month for minimum and $70 per month for full, a $10 per month gap on minimum coverage, or $120 a year.

Maine insurers use the address where your car is parked overnight to determine your rating territory, the geographic zone that sets your base rate. Drivers who can choose between two Maine addresses should get quotes at both before committing. The $18-per-month full coverage gap between Lewiston and Presque Isle adds up to $216 a year, less than half of Maine's $ 47-per-month full coverage carrier spread.

Maine charges young drivers 2.6 times the adult rate for full coverage ($205 per month) versus $79 per month for adults, a difference of $1,512 per year. Maine's senior rate averages $77 per month, nearly identical to the adult baseline of $79.

Farmers charges young drivers aged 16-25 an average of $272 per month, versus Travelers' $131 per month, a $141-per-month gap for the same driver.

A young driver who turns 25 in Maine and switches carriers can save $218 per month just for having their birthday. But a 25-year-old who switches companies could save an additional $126 per month if they switch from Farmers to Travelers.

Your credit score can change rates in Maine by $200 per month, close to five times the difference between minimum and full coverage, typically $ 41 per month. Poor credit raises premiums the most, averaging $322 per month for full coverage, while excellent credit runs $122 per month, a difference of $2,400 per year. 

Drivers who improve their credit from fair to good in Main save $79 per month, compared to $ 191 per month for the same driver.

Waiting for the next renewal after a credit improvement could cost you $47 per month for full coverage. Get new quotes when your credit improves to start saving as soon as your credit score goes up.

Your driving record raises your Maine rate from the first incident, including accidents you didn't cause. A not-at-fault accident adds $4 per month, while a speeding ticket adds $20 per month - an $18 increase you should be aware of. Insurers in Maine penalize excessive speeding more than an accident you didn’t cause. An at-fault accident adds $31 per month, and a DUI adds $81 per month, bringing full coverage to $160 per month, or $972 more per year.

After a DUI in Maine, your choice of insurer affects the cost of your premium more than the violation itself. Travelers charges drivers in Maine with a DUI $88 per month, while Frankenmuth charges the same driver $388 per month, a $300 per month difference, or $3,600 per year.

Maine insurers check driving records for the past 3 to 5 years, depending on the violation, and SR-22 filings are required for 3 years after a DUI. Though insurers using the longer five-year window will still see the violation past that point, and may continue to charge you more.

Switching insurers on full coverage saves $47 per month in Maine, more than dropping to minimum coverage saves ($41 per month), and you keep collision and comprehensive protection. A driver who drops to minimum coverage loses all coverage for damage to their own car, including wildlife strikes. Maine DOT recorded over 6,200 animal crashes in 2024, none covered under minimum coverage.

Maine's $25,000 property damage minimum won't cover the replacement cost of most vehicles built in the last five years. Maine is an at-fault state, so every dollar above your policy limit after a crash you caused becomes personal debt. Lenders require full coverage on financed vehicles regardless of state minimums.

Your vehicle type can raise your Maine rate by up to $62 per month. Electric and hybrid vehicles cost an average of $156 per month for full coverage. Trucks and minivans average $94 per month, a $744 difference per year. Maine DOT confirmed 6,261 deer crashes and 217 moose crashes in 2024, with moose crashes carrying a 15.7% serious injury rate over the 2020 to 2024 period.

The standard break-even calculation for dropping comprehensive coverage divides the annual premium by the vehicle's current value. Maine's wildlife collision rate changes that math. The Maine Bureau of Insurance consumer guide says to weigh your annual comprehensive premium against your car's current value before dropping comprehensive coverage. The standard break-even model assumes a low claim likelihood that Maine's collision data doesn't support.

Bodily injury liability pays the medical bills and legal costs of people you injure when you're at fault. The Maine Bureau of Insurance requires $50,000 per person and $100,000 per accident. Maine is an at-fault state, which means a judgment above your policy limit reaches personal assets directly. Drivers with savings or home equity should carry limits above the state minimum.

Property damage liability pays for damage you cause to other people's cars and property when you're at fault. Maine's required minimum is $25,000. Many vehicles today cost more than $25,000 to repair or replace. If the damage exceeds your limit, you pay the difference out of pocket.

Uninsured and underinsured motorist (UM/UIM) coverage pays your bills when the driver who hits you carries no insurance or not enough. Maine law requires this on every policy and you can't remove it without a written rejection. Maine's BMV estimates 7% of operators are uninsured, below the national 15.4% average per the Insurance Research Council, but the mandate applies regardless.

Collision coverage pays for damage to your car from a crash, regardless of fault. Comprehensive coverage covers non-collision events, including wildlife strikes. Maine DOT recorded 6,261 deer crashes and 217 moose crashes in 2024, which puts comprehensive in a different category here than in most states. Your lender may require both coverages, or the calculator added comprehensive based on Maine's wildlife collision rate.

Gap insurance pays the difference between what your car is worth right now and what you still owe on the loan if it's totaled. Cars lose value faster than loans pay down, especially in the first two years. If your car is totaled and you owe $22,000 but it's only worth $18,000, gap coverage pays the $4,000 your standard policy won't.

An SR-22 is a form your insurance company files with the Maine Bureau of Motor Vehicles to confirm you have active coverage. It's not a type of insurance; it's a certificate that proves coverage exists. Under Maine law, the SR-22 requirement runs for three years from the conviction date.

A DUI or OUI conviction, driving without insurance and other serious violations all trigger the requirement. If coverage lapses while an SR-22 is on file, your insurer notifies the state, and your license is at risk of suspension. Maine requires at least $50,000 per person, $100,000 per accident and $25,000 in property damage for the full three years. For insurers that write SR-22 policies in Maine, see MoneyGeek's Maine SR-22 guide.

1. Get a quote from MMG before renewing. MMG posts the lowest minimum coverage rate in Maine at $27 per month and prices competitively for drivers with violations or at-fault accidents.
2. If your credit is at fair or below, re-quote the same week it improves to good. Your insurer won't automatically apply the full improvement at renewal. The carrier that prices good credit cheapest may not be the same carrier that prices fair credit cheapest. Re-quoting the same week captures both the credit improvement and any carrier advantage.
3. After any violation, mark month 36 from the conviction or incident date. In Maine, the SR-22 period ends after 3 years. For an at-fault accident, insurers raise rates for a three-year lookback. After a DUI, get quotes from Travelers and Frankenmuth before assuming your current rate is competitive.
4. Maine law requires every auto insurer to offer a discount on collision and liability coverages to drivers 55 and older who complete an approved accident-prevention course. The discount runs 36 months. Contact the Maine Bureau of Highway Safety for a list of approved courses.