Biddeford drivers pay an average of $1,163/year — $608 less than the national average. With 250 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $311/year.
(888) 217-6781Estimated full coverage auto insurance rates for Biddeford, ME from top carriers. Rates are adjusted for Biddeford's 250 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $384 | $64/mo |
| GEICO | $444 | $74/mo |
| Progressive | $498 | $83/mo |
| State Farm | $546 | $91/mo |
| Allstate | $660 | $110/mo |
Estimates based on 2026 rate filings for ZIP 04005. USAA is cheapest at ~$64/mo. Actual rates vary by driver profile and exact Biddeford location.
These Biddeford-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Biddeford, ME. Takes under 2 minutes.
(888) 217-6781Biddeford is a smaller city in Maine with a population of 22,552. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as blizzards, nor'easters, ice, wildlife crossings, coastal storms, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Biddeford.
For official Maine insurance regulations, visit the Maine Bureau of Insurance. For driver licensing, see the Maine BMV.
Your specific ZIP code within Biddeford can swing your premium by hundreds of dollars. Here's how rates compare across Biddeford neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 04008 | Biddeford South Side | $1,090/yr | $91/mo |
| 04008 | Biddeford North Side | $1,143/yr | $95/mo |
| 04025 | Biddeford West Side | $1,174/yr | $98/mo |
| 04009 | Biddeford East Side | $1,187/yr | $99/mo |
| 04005 | Biddeford Downtown/Central | $1,237/yr | $103/mo |
The cheapest ZIP is 04008 (Biddeford South Side) at $1,090/yr. The most expensive is 04005 (Biddeford Downtown/Central) at $1,237/yr — a $147/year difference for the same driver.
Your Biddeford ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Biddeford. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $2,442/yr | $204/mo | +110% vs avg |
| Young Adult (20-25) | $1,628/yr | $136/mo | +40% vs avg |
| Adult (26-35) | $1,163/yr | $97/mo | 0% vs avg |
| Mid-Career (36-50) | $1,023/yr | $85/mo | -12% vs avg |
| Senior (51-65) | $965/yr | $80/mo | -17% vs avg |
| 65+ | $1,035/yr | $86/mo | -11% vs avg |
Teens in Biddeford pay an average of $2,442/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $965/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Maine cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Biddeford drivers can save up to $311/year. ZIP 04008 (Biddeford South Side) has the lowest rates starting at $1,090/yr.
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