Portland drivers pay an average of $1,236/year — $535 less than the national average. With 933 crashes per year and a 2.3 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $384/year.
(888) 217-6781Estimated full coverage auto insurance rates for Portland, ME from top carriers. Rates are adjusted for Portland's 933 annual crashes, 2.3 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $408 | $68/mo |
| GEICO | $471 | $79/mo |
| Progressive | $529 | $88/mo |
| State Farm | $581 | $97/mo |
| Allstate | $701 | $117/mo |
Estimates based on 2026 rate filings for ZIP 04101. USAA is cheapest at ~$68/mo. Actual rates vary by driver profile and exact Portland location.
These Portland-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Portland, ME. Takes under 2 minutes.
(888) 217-6781With 68,408 residents, Portland is a growing community in Maine where auto insurance rates reflect a balance between urban and suburban driving conditions. Traffic is generally lighter than in the state's largest cities, but local factors like blizzards, nor'easters, ice, wildlife crossings, coastal storms and commuter corridors still influence premiums. Portland drivers often find rates slightly below the Maine state average.
For official Maine insurance regulations, visit the Maine Bureau of Insurance. For driver licensing, see the Maine BMV.
Your specific ZIP code within Portland can swing your premium by hundreds of dollars. Here's how rates compare across Portland neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 04110 | Portland South Side | $1,146/yr | $96/mo |
| 04106 | Portland North Side | $1,202/yr | $100/mo |
| 04109 | Portland West Side | $1,244/yr | $104/mo |
| 04109 | Portland East Side | $1,257/yr | $105/mo |
| 04101 | Portland Downtown/Central | $1,341/yr | $112/mo |
The cheapest ZIP is 04110 (Portland South Side) at $1,146/yr. The most expensive is 04101 (Portland Downtown/Central) at $1,341/yr — a $195/year difference for the same driver.
Your Portland ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Portland. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $2,596/yr | $216/mo | +110% vs avg |
| Young Adult (20-25) | $1,730/yr | $144/mo | +40% vs avg |
| Adult (26-35) | $1,236/yr | $103/mo | 0% vs avg |
| Mid-Career (36-50) | $1,088/yr | $91/mo | -12% vs avg |
| Senior (51-65) | $1,026/yr | $86/mo | -17% vs avg |
| 65+ | $1,100/yr | $92/mo | -11% vs avg |
Teens in Portland pay an average of $2,596/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,026/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.
Portland drivers can save up to $384/year. ZIP 04110 (Portland South Side) has the lowest rates starting at $1,146/yr.
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