GEICO is Maine's cheapest non-owner car insurance provider for drivers with clean records at just $21 monthly, below the state average of $35. Check the table below to compare other affordable options.
Cheapest Non-Owner Car Insurance in Maine
Updated: January 30, 2025
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Best Cheap Non-Owner Car Insurance in Maine: Key Takeaways
GEICO offers the cheapest non-owner SR-22 car insurance in Maine for those with a driving incident, averaging $34 per month.
Non-owner insurance covers you when driving a car you don't own, as long as you meet Maine's minimum coverage requirements.
Non-owner insurance is ideal for drivers who often borrow or rent cars or need to reinstate their license without a traditional policy.
Cheapest Non-Owner Car Insurance in Maine
| GEICO | $254 | $21 |
| Travelers | $308 | $26 |
| Progressive | $381 | $32 |
| Bristol West | $996 | $83 |
Cheapest Non-Owner SR-22 Car Insurance in Maine
GEICO provides Maine's cheapest SR-22 non-owner policy at just $34 monthly, much lower than the state average of $59 for minimum coverage. The table below compares other SR-22 providers.
| GEICO | $409 | $34 |
| Travelers | $431 | $36 |
| Progressive | $648 | $54 |
| Bristol West | $1,331 | $111 |
How Much Is Non-Owner Car Insurance in Maine?
In Maine, the average non-owner car insurance cost is $35 monthly, less than the national average of $43. Drivers pay about $59 for SR-22 insurance, above the national average of $48. Your premium depends on your driver profile.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Maine Average Cost
Monthly Premium
$35Non-owner car insurance in Maine is cheap:$8 saved
This is 19% less expensive.
Maine Non-Owner Car Insurance: Buyer's Guide
Our guide helps drivers decide if non-owner insurance is the right choice, detailing its features, cost differences from standard policies and who benefits most.
What Is Non-Owner Car Insurance?
If you often drive but don't own a car, non-owner car insurance is right for you. It offers protection against out-of-pocket costs from at-fault accidents. Below, we compare standard policies and non-owner policies.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Maine Allow Non-Owner Car Insurance?
Maine allows the purchase of non-owner car insurance for drivers who don’t own a vehicle but need coverage. If you must file an SR-22, you can get a non-owner policy that meets this legal requirement while getting affordable protection.
MAINE MINIMUM INSURANCE REQUIREMENTS
Maine's minimum coverage requirements apply to non-owner car insurance. The limits are:
- $50,000 in bodily injury liability per person
- $100,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
- $50,000 uninsured motorist bodily injury per person
- $100,000 uninsured motorist bodily injury per accident
- $2,000 medical payments coverage
While these are the base requirements, they may not provide full financial protection. To ensure adequate protection, consider how much coverage you need before purchasing a policy.
Should You Get Non-Owner Car Insurance in Maine?
If you drive occasionally but don’t own a car, non-owner car insurance could be the solution to stay legally covered. It’s ideal for those who borrow or rent cars, meeting state minimum coverage requirements at an affordable price. Whether it’s the right choice depends on your driving habits and needs.
AVOID ONE-DAY CAR INSURANCE
Exercise caution with "one-day insurance" offers in Maine, as they aren't legitimate and may signal fraud. For temporary coverage needs, such as moving or road trips, purchasing insurance through a car rental company is safer.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner car insurance policy:
Car borrowers
Non-owner insurance ensures you remain covered when frequently driving a vehicle you borrow, especially if the owner's policy doesn't cover it.
Occasional renters
Non-owner car insurance provides coverage without the need for repeatedly purchasing the rental company's insurance, potentially saving money over time.
Drivers between cars
Non-owner insurance helps maintain continuous coverage, which can prevent higher premiums in the future due to a coverage lapse.
License reinstatement-seekers
Drivers looking to reinstate their license after a suspension may need proof of insurance. A non-owner policy can meet this requirement without requiring vehicle ownership.
WHAT IS SR-22 INSURANCE?
An SR-22, also called an SR-22 Certificate of Financial Responsibility (CFR), is a form your insurance company sends to the DMV to show you have the required minimum coverage auto insurance. If you have a DUI or were caught driving without insurance, you may need an SR-22 to drive again.
Cheap Non-Owner Car Insurance in Maine: Bottom Line
Maine provides non-owner car insurance, even for drivers needing SR-22 forms. GEICO is the most affordable option, followed by Travelers and Progressive. To find the best deal, compare quotes from multiple providers.
Non-Owner Car Insurance in Maine: FAQ
Get answers to frequently asked questions about non-owner car insurance in Maine below.
Which company offers the cheapest non-owner car insurance in Maine?
GEICO offers the most affordable non-owner car insurance in Maine, starting at $21 monthly. It also has the cheapest SR-22 rate at $34.
How much does non-owners car insurance cost in Maine?
Non-owners car insurance in Maine typically costs about $425 annually or $35 monthly for drivers with clean records. Those requiring SR-22 insurance generally face higher premiums, averaging about $704 annually or $59 monthly.
Maine Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Maine auto insurance rates by collecting data from the Maine Bureau of Insurance and Quadrant Information Services. We examined 240 car insurance quotes from five providers to identify the state's best and most affordable options.
Coverage Levels
We compared non-owner car insurance rates from companies in Maine using minimum coverage policies. The state-required minimum coverage includes:
- $50,000 in bodily injury liability per person
- $100,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
- $50,000 uninsured motorist bodily injury per person
- $100,000 uninsured motorist bodily injury per accident
- $2,000 medical payments coverage
Drivers and Cars in Maine
To find the best and most affordable companies for non-owner car insurance in Maine, we used a sample driver profile with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- Good credit history
- 12,000 miles driven annually
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.