Looking for Cheap Car Insurance in Maine?
Maine is famous for its country charm, but the state's cities also offer a wide range of urban adventures. Drivers should make sure they have adequate car insurance to stay protected. On average, Maine has the cheapest car insurance rates in the nation. But factors such as high minimum liability limits can keep costs from dropping.
If you live in Maine and are looking for the lowest car insurance rates, Carlay is here for you. Amidst high limits, Maine still has the lowest car insurance rate in the country. But if you don't spend some time comparing prices and getting quotes, you could end up paying too much for your car.
Providers of insurance services use different formulas to calculate the rates they charge. However, Carlay Insurance is here to make insurance shopping more convenient by helping you find the right policy without wasting your time.
Carlay is an insurance shopping app that'll provide you with a selection of quotes from top providers in under a minute. Carlay will help you to make a smooth transition to its affordable new coverage, help you avoid rate hikes, and set up renewals. You'll save hundreds of dollars each year and avoid the complicated paperwork associated with other providers. Use Carlay at no cost to you!
Here are some real Maine customers who saved money using Carlay:
How Much Does Car Insurance Cost in Maine?
The average cost of liability-only car insurance is $1,313 per year in Maine. If you prefer to buy full coverage car insurance, the average cost is $1,274 per year.
Nationwide, liability-only car insurance costs $1,783 per year, and full-coverage car insurance costs $2,485 per year. In Maine, the state's minimum liability limits are above average, while its car insurance rates are among the lowest in the country.
What contributes to the insurance rates in Maine?
Here are a few of the factors that drive up the cost of car insurance in Maine:
- Severe weather
Winter driving in Maine can prove challenging and dangerous. Snow-covered roads, freezing rain, and blowing snow are common occurrences. As a result, car insurance rates can sometimes be higher in the winter.
- Rural roads
While Maine is known for its beauty, it can also be a risky state to drive in. Not only does its climate pose problems, but unpaved and rural roads also create risks for drivers.
Here's how Maine residents' insurance premiums compare to the national average:
|All Coverage BeforeCarlay||All Coverage AfterCarlay||Minimum Coverage BeforeCarlay||Minimum Coverage AfterCarlay||Full Coverage BeforeCarlay||Full Coverage AfterCarlay|
|All Coverage BeforeCarlay||$3,146||$2,489|
|All Coverage AfterCarlay||$2,088||$1,671|
|Minimum Coverage BeforeCarlay||$2,556||$2,360|
|Minimum Coverage AfterCarlay||$1,434||$1,390|
|Full Coverage BeforeCarlay||$5,565||$2,761|
|Full Coverage AfterCarlay||$3,473||$1,963|
Top auto insurance providers in Maine
Maine residents have numerous insurance options when it comes to their auto coverage needs. Carriers such as Progressive, Travelers, and Allstate all offer programs that enable policyholders to customize the right coverage for your needs.
The best insurance provider for you depends on your individual circumstances, so you'll probably receive a number of quotes from different companies. While the amount of coverage can affect the price, you'll probably find that different insurance companies have very disparate prices for identical coverage amounts.
The factors that affect your insurance rates include your age, driving record, and where you live. The kind of vehicle you drive also exerts an influence on your premium. If you drive a Tesla Model S, your insurance premium will be higher than it would be if you were to drive a Honda Cr-V.
No matter where you live, Carlay can help you find the best car insurance package at affordable rates. Here are some of the best prices available in Maine:
What Car Insurance Do You Need in Maine?
To drive in the state of Maine, you need to have minimum liability car insurance. You need to get at least the minimum amount of liability insurance before you can legally drive a car.
|Bodily injury liability||$50,000 per person / $100,000 per accident||Covers the costs for injuries you cause to others.|
|Property damage liability||$25,000 per accident||Covers instances in which you damage other people's vehicles or property|
|Uninsured/underinsured motorist bodily injury||$50,000 per person / $100,000 per accident||Reimburses you for your expenses stemming from an accident caused by an uninsured driver|
|MedPay||$2,000||Car insurance covers medical costs for you and your passengers if you're injured in a car accident, even if you're liable for the crash.|
When you let your car insurance coverage lapse, or if you don't buy car insurance at all, and you get caught, you
might have to pay a fine, such as:
- An expensive ticket.
- A driver's license suspension.
- A towed and impounded car.
- A lack of financial protection if you get into an accident.
Even though you may have the minimum amount of liability insurance coverage required in Maine, it's not a guarantee that your policy will cover all expenses resulting from an accident. Buying more insurance coverage is always a smart idea. Here are some of the coverages you might want to consider:
|Collision insurance||Covers damage to your vehicle caused by collision with a stationary object or another vehicle.|
|Comprehensive insurance||Covers the cost of repairs to your vehicle if it isn't damaged in a collision, such as vandalism, theft, or a natural disaster.|
|Roadside assistance||Coverage provides you with protection against some of the expenses and hassles associated with car breakdowns, such as towing and labor charges.|
Whether you're looking to cut costs, reduce your monthly premiums, or sign up for car insurance coverage, Carlay is here to help!
Carlay will automatically search for the cheapest quotes from multiple leading insurance companies, including top-name brands. And should you need to cancel your policy, Carlay will do it for you. No need for annoying, time-consuming phone calls to customer service. Carlay also sends you new quotes whenever your policy is up for renewal.
Carlay can quickly and easily compare insurance policies from the top providers and provide quotes directly to your phone. Once you choose a policy, Carlay takes care of all of the paperwork and handling, so you don't have to worry about it. Carlay will give you a quote every time your policy is due to expire so you can be sure you're always getting the best deal.
Now that we've discussed the essentials, here's what you should know about insurance in Maine.
How is Your Cost of Car Insurance Determined in Maine?
Car insurance is meant to protect you and your family financially after an accident. That's why it's important to have the right insurer behind you when you need it most. Maine car insurance carriers consider a variety of factors, including your age, driving history, and the car you drive, before setting your rates.
What young drivers in Maine need to know
If you're a young driver in Maine, there are a few things you should know. First, Maine has a multi-stage licensing process and a graduated driver's license program to help teen drivers get behind the wheel while keeping them and everyone else on the road safe.
After holding an intermediate license for 270 days and maintaining a good driving record, teen drivers in Georgia can obtain a full driver's license with no restrictions. Also, if student drivers have a good average, they may qualify for a good student discount.
As a young driver, you probably won't be able to take advantage of the same low rates your parents do, but if you shop around and keep a clean driving record, you can still get cheap car insurance quotes.
Whether you live in rural Maine or move to a city, Carlay can help you get the coverage you want. Carlay offers these prices to drivers in the following age groups:
|Age Group||Average Cost||Annual Savings withCarlay|
- Cost to insure your car in Maine with a poor driving record
Drivers who have gotten into an accident received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates. However, it's possible to get affordable car insurance, even if you've had problems with your driving record.
Maine has a point system for violations where insurance companies can access all your traffic offenses within the last 10 years. You'll face stiffer fines if you violate the law again within a certain time period. Maine drivers convicted of very serious offenses may have to wait a long time before their license is restored.
But there's good news on the horizon! Carlay can help drivers in Maine find affordable car insurance even if they have a traffic violation on their record.
Here are some discounts we offer to customers who have had accidents or violations on their records:
|Driving Violation||Average Cost||Annual Savings withCarlay|
|Speeding over 15||$2,808||$1,211|
|Speeding under 15||$2,471||$951|
|Failure to Obey Traffic Sign||$996||$252|
- Cost to insure your car in Maine based on where you live
The cost of car insurance varies according to a number of factors, including your ZIP code. If you live in an urban area, you may be charged more for car insurance than someone who lives in the suburbs.
As a rule, rural areas where fewer people live tend to have lower insurance rates. This can reduce the cost of automobile insurance for Maine drivers in rural areas. On the other hand, if you live in an urban area, you may pay a slightly higher premium to insure your car.
These are the ten cheapest cities to live in Maine if you own a car:
|City||Average Cost||Annual Savings withCarlay|
- Cost to insure your car in Maine based on the type of car you drive
Your choice of vehicle can influence how much your car insurance premiums cost. If you own either the Ford F-150 or your used Toyota Camry, both popular models of new and used cars in the state, you can still find low rates on insurance.
If you drive a reasonably priced car, you will most likely pay less for car insurance than someone who drives an expensive vehicle. More common cars are cheaper to replace or repair than luxury cars. An expensive car, such as a Mercedes-Benz S 500, can bring its driver higher insurance rates.
Here are the average annual insurance costs for some of Maine's popular car makes and models, according to Carlay:
How to Save Money On Car Insurance in Maine?
Keeping track of your car insurance and other bills while juggling your own daily obligations can be stressful. You don't have to do it all yourself!
- Shop around for quotes
The easiest way to get the best insurance policy is to compare by shopping around. But the hours you'll spend looking at provider websites, making phone calls, and filling out long forms could be quite a hassle. If you're worried about the work involved with changing plans or insurance providers, don't be. Carlay helps you every step of the way.
Carlay, a broker that offers end-to-end support and affordable quotations, will provide you with helpful advice if you need help switching plans or canceling an old policy. You'll never have to waste time making copies or going to the post office to mail something. When your policy comes up for renewal, Carlay will help you make the best decisions to keep your coverage at its most affordable level.
- Look for discounts
Car insurance discounts are another way to save money. Different insurance companies offer different programs, but some programs may not be advertised on the company's website. It's a good idea to ask your agent about any discounts you may be eligible for.
Here are some of Maine's most popular discount programs:
- Increase your deductible
Raising your deductible may lower your premium payments. By increasing your deductible—the amount you pay for a claim before your insurance kicks in—your premium may end up decreasing. Be sure to inquire about raising your deductible beforehand to ensure you can afford to pay it in full whenever you have to make a claim.
Registering Your Car in Maine
In order to register your vehicle, the state of Maine requires that you have the following information:
- A driver's license or ID card
- Proof of insurance
- Proof of sales tax payment
- Car title or signed lease agreement
- Proof of a safety inspection
- Smog test certificate, depending on the age of the vehicle
When you're ready to register your vehicle, be sure to schedule a time to go to the DMV. If you visit without an
appointment, you may have to wait in a long line and complete extra paperwork.
Maine drivers must renew their vehicle registrations annually.