Cheap Auto Insurance in Maine — Compare & Save Up to 40%

Cheapest Auto Insurance Companies in Maine (2026)

We compared full coverage rates from the top auto insurance companies in Maine. Here are the cheapest options based on a 35-year-old driver with good credit and a clean record:

Rates are based on 2026 data for a 35-year-old driver with good credit, a clean driving record, and full coverage (100/300/50 with $1,000 deductibles). Your rate will vary.

What You Should Know About Maine Auto Insurance

• Maine requires minimum liability coverage of 50/100/25.
• The average full-coverage premium in Maine is $1,290/year.
• Maine uses a at-fault/tort insurance system.
• Approximately 5% of Maine drivers are uninsured.
• Maine drivers face weather-related risks including blizzards, nor'easters, ice, wildlife crossings, coastal storms.
• Liability-only coverage in Maine averages $380/year.

For complete Maine auto insurance laws and requirements, visit the Maine Bureau of Insurance. For vehicle registration and licensing, visit the Maine BMV.

Full Coverage vs. Liability in Maine

Full coverage in Maine averages $108/month, while liability-only coverage averages $32/month. Full coverage includes comprehensive and collision protection that covers damage to your own vehicle. If you have a car loan or lease, your lender likely requires full coverage.

While liability-only saves money, it leaves you paying out of pocket for damage to your own car in an accident, theft, or weather event. With 5% of Maine drivers uninsured, we strongly recommend adding uninsured motorist coverage to any policy.

Auto Insurance Rates by City in Maine

Where you live in Maine significantly affects your premium. Click your city for local rate comparisons:

Sources & Methodology

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

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