Insurance in Maine

Compare auto, home, and life insurance rates in Maine from top-rated carriers. Free quotes from licensed agents. Veteran-owned & operated.

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Written & reviewed by Richard Mohn Licensed Insurance Agent & Founder, Rate Reduction Insurance

🎖️ U.S. Military Veteran 📋 Licensed in 50 States 🕐 15+ Years Experience 📅 Updated: April 10, 2026

Insurance Options in Maine

🚗 Auto Insurance in Maine› 🏠 Home Insurance in Maine› 💚 Life Insurance in Maine›

Auto Insurance Rates in Maine (2026)

Maine uses an at-fault/tort insurance system. The state mandates minimum liability coverage of 50/100/25. The average full coverage premium is $108/month. Here are the cheapest options:

Insurance Company	6-Month Premium	Monthly Cost
USAA ⭐	$426	$71/mo
GEICO	$492	$82/mo
Progressive	$552	$92/mo
State Farm	$606	$101/mo
Allstate	$732	$122/mo

→ Full Maine auto insurance guide with city rates

Maine Insurance at a Glance

$108

Avg. Monthly (Auto)

$71

Cheapest Auto Rate

50/100/25

Min. Liability Limits

Uninsured Drivers

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Popular Auto Insurance Topics in Maine

Auto Insurance by City in Maine

Rates vary significantly by city. Click yours for local rate comparisons:

📍 Portland› 📍 Lewiston› 📍 Bangor› 📍 South Portland› 📍 Auburn› 📍 Biddeford› 📍 Sanford› 📍 Westbrook› 📍 Saco› 📍 Augusta› 📍 Brunswick› 📍 Waterville› 📍 Orono›

Maine Insurance FAQ

What insurance do I need in Maine?

At minimum, Maine requires liability auto insurance with limits of 50/100/25. Most Maine residents also benefit from homeowners or renters insurance and life insurance. We can help you find the best rates for all three.

Who has the cheapest insurance in Maine?

For auto insurance, USAA offers the cheapest full coverage at $71/month. However, rates vary by driver — comparing multiple carriers is the best way to find your lowest rate.

How can I save on insurance in Maine?

Bundle multiple policies (auto + home), compare quotes from several carriers, maintain a clean driving record, raise your deductible, and ask about available discounts. Call us at (888) 217-6781 for a free comparison.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
Maine Bureau of Insurance — official state insurance regulator for Maine.
National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
Maine BMV — Maine vehicle registration and licensing requirements.
Insurance Information Institute (III) — independent insurance education and research.
National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.

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(888) 217-6781

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