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Best Cheap Car Insurance in Maine for 2019

March 20, 2019
Auto Insurance, Insurance
At cheatgame.info, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

If you’re looking for cheap car insurance in Maine, you may already know that finding the best deal can be challenging. Insurance costs vary depending on your age, gender, where you live, your driving record and other factors. In addition, rates can change considerably from one insurance company to the next, which is why shopping for the best deal is well worth your while.


To help in your search for the cheapest Maine auto insurance, cheatgame.info has researched the cheapest options for several types of drivers.

Cheapest for good drivers

Geico had the lowest rates we found in Maine for good drivers with good credit, at $46 per month, on average. Concord Group and State Farm also make the list only at a buck apart per year.

InsurerAverage price
*Concord Group is not rated because there is not enough data to evaluate it against larger companies.
3.5 cheatgame.info rating

$548/year

$46/month

cheatgame.info rating: Not rated*

$634/year

$53/month
4.0 cheatgame.info rating

$635/year

$53/month
For this calculation, cheatgame.info averaged rates for 40-year-old men and women with a clean driving record and good credit. With the exception of age, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including state-required coverage.

Cheapest for drivers with poor credit

State Farm is the cheapest auto insurer we found for drivers with spotty credit, at $53 per month, on average, signalling it doesn’t upcharge for poor credit in Maine like in most states. Concord Group and Geico came in second and third, respectively.

InsurerAverage price
*Concord Group is not rated because there is not enough data to evaluate it against larger companies.
4.0 cheatgame.info rating

$635/year

$53/month

cheatgame.info rating: Not rated*

$937/year

$78/month
3.5 cheatgame.info rating

$1,014/year

$84/month
Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent accident. To calculate these figures, cheatgame.info averaged rates for 40-year-olds with a clean driving record, poor credit as reported to their insurer, and standard "full coverage" insurance.

Cheapest for drivers with one at-fault crash

State Farm was the cheapest car insurance company in our test for Mainers with a recent on-record wreck, at an average price of $63 per month. Concord Group and Geico round out the cheapest three.

InsurerAverage price
*The Concord Group is not rated because there is not enough data to evaluate it against larger companies.
4.0 cheatgame.info rating

$761/year

$63/month

cheatgame.info rating: Not rated*

$841/year

$70/month
3.5 cheatgame.info rating

$955/year

$80/month
To get these figures, we averaged rates for 40-year-olds with one recent at-fault crash and the typical "full coverage" insurance. Your rates will remain high for three to five years after you cause an accident or have a moving violation. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.

Cheapest for low-mileage drivers

For those who drive few annual miles, Geico had the best rates in Maine at an average of $41 per month. State Farm was second-cheapest and Concord Group came in third, with all three companies showing rates within $10 per month, on average.

InsurerAverage price
*Concord Group is not rated because there is not enough data to evaluate it against larger companies.
3.5 cheatgame.info rating

$487/year

$41/month
4.0 cheatgame.info rating

$550/year

$46/month

cheatgame.info rating: Not rated*

$611/year

$51/month
Whether you're retired, work at home or often use public transportation, you may be able to get cheaper car insurance simply because you drive less. The rates above are for 40-year-olds with typical "full coverage" insurance and a clean driving record who drive 5,000 miles per year instead of the standard 12,000.

Cheapest for minimum coverage

Geico had the lowest price for minimum coverage auto insurance in Maine, at roughly $18 per month, on average. State Farm and Concord Group also make the list.

InsurerAverage price
*Concord Group is not rated because there is not enough data to evaluate it against larger companies.
3.5 cheatgame.info rating

$216/year

$18/month
4.0 cheatgame.info rating

$290/year

$24/month

cheatgame.info rating: Not rated*

$298/year

$25/month
We calculated these numbers by averaging rates for 40-year-old good drivers who have only the minimum mandatory insurance in their state. Such light coverage isn't typically recommended, since it might not cover all the bills resulting from a car accident, but it's better than nothing — especially if you can't afford much more.

Minimum required auto insurance in Maine

Maine law requires every vehicle owner to carry liability insurance, uninsured motorist coverage and medical payments coverage. Liability insurance covers others’ expenses (up to your limit) if you’re at fault in the accident. Here are the minimum car insurance requirements in Maine:

  • $50,000 bodily injury liability per person.
  • $100,000 bodily injury liability per accident.
  • $25,000 property damage liability per accident.
  • $50,000 uninsured motorist coverage per person.
  • $100,000 uninsured motorist coverage per accident.
  • $2,000 medical payments coverage.

Maine’s minimum liability requirements are among the highest of any state, although experts generally recommend getting more than the minimum. Causing a car accident could result in injury or repair bills higher than the amounts legally required. You may also want to consider collision and comprehensive coverage for damage to your own vehicle.

For more information about car insurance law in Maine, check out cheatgame.info’s guide to state car insurance requirements.

Alternative car insurance in Maine

High-risk drivers who are unable to buy Maine car insurance through the open market may qualify for coverage through the Maine Automobile Insurance Plan. Because this group tends to be in more accidents and make more claims, drivers will pay significantly higher rates.

For help searching for the cheapest car insurance in Maine, use cheatgame.info’s car insurance comparison tool to compare car insurance rates.

Here’s a summary of where you’ll find the cheapest insurance, by category:

Cheapest car insurance in Maine

CategoryCheapest option
Good driversGeico
Drivers with poor creditState Farm
Drivers with one at-fault accidentState Farm
Low-mileage driversGeico
Minimum coverageGeico
For our base-profile driver with good credit and a clean driving history, cheatgame.info averaged rates from the largest insurers for 40-year-old men and women in 20 ZIP codes. The policy includes:

  • $100,000 bodily injury liability coverage per person.
  • $300,000 bodily injury liability coverage per crash.
  • $50,000 property damage liability coverage per crash.
  • $100,000 uninsured motorist bodily injury coverage per person.
  • $300,000 uninsured motorist bodily injury coverage per crash.
  • $2,000 medical payments coverage.
  • Collision coverage with $1,000 deductible.
  • Comprehensive coverage with $1,000 deductible.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with poor credit, we adjusted the credit tier from “good” to “poor.”
  • For drivers with one at-fault crash, we added a single at-fault crash.
  • For low-mileage drivers, we adjusted the miles driven from 12,000 per year to 5,000.
  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

We used a 2015 Toyota Camry in all cases. These are rates generated through Quadrant Information Services. Your own rates will be different.