- Average car insurance cost in Maine is $1,784 per year, or around $149 per month.
- Maine ranks first in the Northeast, and ranks first overall for all 50 states for most affordable auto insurance.
- Vehicle segments with cheap car insurance in Maine include compact SUVs, midsize pickups, minivans, and midsize SUVs.
How much does car insurance cost in Maine?
Average car insurance rates in Maine cost $1,784 per year, or around $149 per month, which is 21.8% less than the national average rate of $2,221.
Average rates on some of the more popular vehicles on the road in Maine include the Honda CR-V at $1,518 per year, the Toyota Camry at $1,914 per year, the Subaru Forester at $1,584 per year, and the Toyota Prius at $1,666 per year.
Midsize pickups and minivans also have very affordable car insurance quotes, with the Toyota Tacoma costing an average of $1,804 per year, the Chevy Colorado at $1,570 per year, the Kia Carnival costing $1,842 per year, and the Chrysler Pacifica at $1,760 per year.
The chart below shows the average cost of car insurance in Maine for all 2024 model year vehicles, with different rates shown for drivers age 20 to 60 and three different policy deductible amounts.
Maine auto insurance rates in the chart above range from $1,250 per year for a 60-year-old driver with $1,000 deductibles to $4,168 per year for a 20-year-old driver with $250 deductibles. As a monthly amount, the average cost of car insurance per month in Maine for the same driver profiles ranges from $104 to $347.
Is the cost of car insurance in Maine affordable?
Maine has some of the most affordable car insurance rates in America. When compared to nearby states, average Maine car insurance quotes are 6.2% cheaper than New Hampshire, 38.5% cheaper than Massachusetts, 11.3% cheaper than Vermont, 39.9% cheaper than Connecticut, and 47.4% cheaper than Rhode Island.
When compared to states outside the immediate vicinity, the average cost of auto insurance in Maine is 42.7% cheaper than New York, 37.3% cheaper than Colorado, 42.8% cheaper than Florida, 34% cheaper than Georgia, and 45.7% cheaper than California.
Obviously the term “affordable” means something different to everyone, and still having to pay an average of $149 per month for car insurance in Maine may still be difficult for some budgets. It’s important to occasionally compare car insurance rates to make sure you’re not overpaying.
The chart below shows how average auto insurance cost in Maine compares to other Northeastern states. Maine ranks first in the Northeast region for cheapest car insurance rates and ranks first out of all 50 states.
Average car insurance cost in Maine by vehicle segment
The chart below breaks down average car insurance rates by vehicle segment. Vehicles like small SUVs and midsize pickup trucks have average rates around $1,700 per year, while sports cars and luxury cars can easily top $2,800 per year.
These average rates are useful when contemplating buying vehicles from different segments, like deciding between a minivan or SUV.
What is the cheapest car insurance in Maine?
When comparing makes and models from all segments, the models with the best car insurance quotes in Maine tend to be crossover SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, and Nissan Kicks. Average auto insurance prices for those small SUVs cost $1,446 or less per year to have full coverage.
Some additional vehicles that are highly ranked in our insurance cost comparison are the Mazda CX-5, Volkswagen Tiguan, Acura RDX, Buick Encore, Honda HR-V, Volkswagen Taos, Kia Niro, and Honda CR-V.
The table below ranks the top 50 cheapest vehicles to insure in Maine from the 2024 model year chosen from all vehicle segments.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,316 | $110 |
| 2 | Chevrolet Trailblazer | $1,338 | $112 |
| 3 | Kia Soul | $1,392 | $116 |
| 4 | Nissan Kicks | $1,400 | $117 |
| 5 | Honda Passport | $1,416 | $118 |
| 6 | Buick Envision | $1,426 | $119 |
| 7 | Toyota Corolla Cross | $1,436 | $120 |
| 8 | Hyundai Venue | $1,446 | $121 |
| 9 | Mazda CX-5 | $1,452 | $121 |
| 10 | Ford Bronco Sport | $1,460 | $122 |
| 11 | Volkswagen Tiguan | $1,474 | $123 |
| 12 | Acura RDX | $1,490 | $124 |
| 13 | Nissan Murano | $1,498 | $125 |
| 14 | Buick Encore | $1,512 | $126 |
| 15 | Honda CR-V | $1,518 | $127 |
| 16 | Subaru Outback | $1,518 | $127 |
| 17 | Buick Envista | $1,524 | $127 |
| 18 | Volkswagen Taos | $1,526 | $127 |
| 19 | Kia Niro | $1,534 | $128 |
| 20 | Toyota GR Corolla | $1,548 | $129 |
| 21 | Subaru Ascent | $1,550 | $129 |
| 22 | Honda HR-V | $1,552 | $129 |
| 23 | Nissan Leaf | $1,562 | $130 |
| 24 | Chevrolet Colorado | $1,570 | $131 |
| 25 | Honda Civic | $1,576 | $131 |
| 26 | Lexus NX 250 | $1,576 | $131 |
| 27 | Volkswagen Atlas | $1,580 | $132 |
| 28 | Acura Integra | $1,584 | $132 |
| 29 | Subaru Forester | $1,584 | $132 |
| 30 | Volkswagen Atlas Cross Sport | $1,588 | $132 |
| 31 | Kia Seltos | $1,592 | $133 |
| 32 | GMC Terrain | $1,594 | $133 |
| 33 | Nissan Rogue | $1,602 | $134 |
| 34 | Hyundai Kona | $1,606 | $134 |
| 35 | Cadillac XT4 | $1,608 | $134 |
| 36 | Mazda CX-30 | $1,608 | $134 |
| 37 | Volkswagen ID4 | $1,614 | $135 |
| 38 | Ford Explorer | $1,616 | $135 |
| 39 | Toyota Highlander | $1,620 | $135 |
| 40 | Toyota Venza | $1,626 | $136 |
| 41 | Ford Escape | $1,628 | $136 |
| 42 | Honda Odyssey | $1,628 | $136 |
| 43 | Nissan Sentra | $1,634 | $136 |
| 44 | Subaru Impreza | $1,638 | $137 |
| 45 | Chevrolet Equinox | $1,642 | $137 |
| 46 | Toyota RAV4 | $1,644 | $137 |
| 47 | Mazda MX-5 Miata | $1,650 | $138 |
| 48 | Mazda MX-30 | $1,654 | $138 |
| 49 | Hyundai Tucson | $1,656 | $138 |
| 50 | Chevrolet Traverse | $1,664 | $139 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Maine Zip Codes. Updated June 26, 2025
Average car insurance rates for popular vehicles in Maine
The chart below shows average auto insurance rates in Maine for 15 of the more popular vehicles in the state. This chart gives a better picture of how car insurance rates are dispersed over a variety of popular models.
How much do teen drivers cost to insure in Maine?
Average car insurance rates for drivers age 16 to 19 range from $4,240 per year for a 19-year-old female driver up to $6,346 per year for a 16-year-old male driver.
For 17 and 18-year-old drivers, average car insurance rates in Maine will cost $5,891 to $6,149 per year for 17-year-olds and $5,084 to $5,508 per year for 18-year-olds.
Teen driver car insurance rates in Maine for some specific vehicles include:
- Honda Civic insurance for a 16-year-old male driver averages $5,494 per year
- Toyota Corolla insurance for a 16-year-old female driver averages $5,810 per year
- Subaru Outback insurance for a 17-year-old male driver averages $5,228 per year
- Toyota Camry insurance for a 17-year-old female driver averages $6,275 per year
- Hyundai Sonata insurance for an 18-year-old male driver averages $5,521 per year
- Chevy Equinox insurance for an 18-year-old female driver averages $4,615 per year
There are a number of ways parents can save money when insuring a teen driver. The average rates shown in the list above are for 2024 models, which in most cases will cost the most to insure.
Older vehicles are great for teen drivers, since they have already experienced some depreciation and car insurance rates will generally be lower.
If the vehicle is old enough that it no longer makes sense to insure it for full physical damage coverage, then insuring a teen driver with liability-only insurance is an excellent way to reduce the annual cost.
Encourage your teen to take driver’s education or another qualifying driver training course which will earn a small discount. If your teen is a good student, that may be another discount that can be applied to your policy to save a little money.
Average rates by city
The list below shows average rates for the larger cities in Maine. Clicking on a link will show detailed rate data for each city, including rankings for the cheapest cars, pickups, and SUVs to insure in each.
- Portland Car Insurance - $1,800 per year or $150 per month
- Lewiston Car Insurance - $1,824 per year or $152 per month
- Bangor Car Insurance - $1,796 per year or $150 per month
- South Portland Car Insurance - $1,748 per year or $146 per month
- Auburn Car Insurance - $1,818 per year or $152 per month
- Augusta Car Insurance - $1,792 per year or $149 per month