Maine Car Insurance Cost for 2022

What is the average car insurance cost in Maine? Find out the average annual and monthly cost of auto insurance plus the cheapest vehicles to insure.

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How much does car insurance cost in Maine?

Average car insurance rates in Maine cost $1,054 per year, or around $88 per month, which is 32% less than the national average rate of $1,551.

Average rates on some of the more popular vehicles on the road in Maine include the Honda CR-V at $922 per year, the Toyota Camry at $1,034 per year, the Subaru Forester at $910 per year, and the Toyota Prius at $1,052 per year.

Midsize pickups and minivans also have very affordable car insurance quotes, with the Toyota Tacoma costing an average of $976 per year, the Chevy Colorado at $866 per year, the Kia Sedona costing $856 per year, and the Chrysler Pacifica at $1,030 per year.

The chart below shows the average cost of car insurance in Maine for all 2022 model year vehicles, with different rates shown for drivers age 20 to 60 and three different policy deductible amounts.

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Chart Data Details: Chart shows average Maine car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Maine zip codes.Data last updated on May 19, 2022
Average Car Insurance Cost in Maine
Average Car Insurance Cost in Maine
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,740$145
$500$2,044$170
$250$2,364$197
30$1,000$912$76
$500$1,080$90
$250$1,258$105
40$1,000$872$73
$500$1,028$86
$250$1,190$99
50$1,000$794$66
$500$934$78
$250$1,082$90
60$1,000$780$65
$500$918$77
$250$1,062$89

Maine auto insurance rates in the chart above range from $798 per year for a 60-year-old driver with $1,000 deductibles to $2,422 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 $67 to $202.

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 14.6% cheaper than New Hampshire, 15.4% less than Massachusetts, 4.2% less than Vermont, 28.6% less than Connecticut, and 41.3% less than Rhode Island.

When compared to states outside the immediate vicinity, the average cost of auto insurance in Maine is 34.9% cheaper than New York, 35.2% cheaper than Colorado, 52.7% cheaper than Florida, 28.4% cheaper than Georgia, and 39.6% cheaper than California.

Obviously the term “affordable” means something different to everyone, and still having to pay an average of $88 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 third in the Northeast region for cheapest car insurance rates and ranks #8 out of all 50 states.

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Maine Car Insurance Cost Compared to Northeast Region
Average Car Insurance Cost in Maine Compared to Northeast Region
Northeast Region States Average Insurance Cost Annual Difference
New Hampshire$896-$132
Vermont$988-$40
Maine$1,028--
Massachusetts$1,218$190
Pennsylvania$1,252$224
Maryland$1,344$316
New Jersey$1,404$376
Connecticut$1,440$412
Delaware$1,512$484
New York$1,584$556
Rhode Island$1,754$726

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 under $900 per year, while sports cars and luxury cars can easily top $1,500 per year.

These average rates are useful when contemplating buying vehicles from different segments, like deciding between a minivan or SUV.

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Chart Data Details: Average Maine car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Maine Zip Codes.Data last updated on April 12, 2022
Maine Car Insurance Rates by Vehicle Segment
Maine Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$986$82
Midsize Pickup$1,010$84
Midsize SUV$1,062$89
Minivan$1,062$89
Compact Car$1,084$90
Midsize Car$1,100$92
Half-ton Pickup$1,144$95
Compact Luxury SUV$1,182$99
Large SUV$1,188$99
Compact Luxury Car$1,198$100
Large Car$1,218$102
Heavy Duty Pickup$1,256$105
Midsize Luxury SUV$1,270$106
Midsize Luxury Car$1,394$116
Sports Car$1,482$124
Large Luxury SUV$1,588$132
Large Luxury Car$1,664$139

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 Nissan Kicks, Mazda CX-5, and Subaru Crosstrek. Average auto insurance prices for those small SUVs cost $878 or less per year to have full coverage.

Some additional vehicles that are highly ranked in our insurance cost comparison are the Nissan Rogue Sport, Buick Envision, Kia Seltos, Acura RDX, Mazda MX-5 Miata, Subaru Impreza, Subaru Forester, and Toyota Corolla Cross.

The table below ranks the top 50 cheapest vehicles to insure in Maine from the 2022 model year chosen from all vehicle segments.

Top 50 Cheapest Car Insurance Rates in Maine
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$800$67
2Nissan Kicks$822$69
3Chevrolet Trailblazer$826$69
4Honda Passport$844$70
5Subaru Crosstrek$846$71
6Chevrolet Colorado$866$72
7Buick Encore$870$73
8Toyota C-HR$870$73
9Nissan Rogue Sport$878$73
10Hyundai Venue$894$75
11Buick Envision$896$75
12Kia Seltos$896$75
13Ford Maverick$900$75
14Toyota Corolla Cross$902$75
15Acura RDX$904$75
16Subaru Ascent$904$75
17Subaru Forester$910$76
18Hyundai Kona$912$76
19Mazda MX-5 Miata$912$76
20Subaru Impreza$914$76
21Volkswagen Tiguan$914$76
22Chevrolet Spark$918$77
23Honda CR-V$922$77
24Cadillac XT4$926$77
25Mazda CX-30$930$78
26Ford Ranger$936$78
27Honda HR-V$946$79
28Ford Edge$948$79
29Ford Ecosport$954$80
30Chevrolet Trax$964$80
31Subaru Outback$966$81
32GMC Terrain$968$81
33Acura ILX$970$81
34Mitsubishi Eclipse Cross$972$81
35Toyota Tacoma$976$81
36Nissan Murano$978$82
37Hyundai Tucson$980$82
38Honda Odyssey$982$82
39Chevrolet Bolt$984$82
40Chevrolet Equinox$984$82
41Toyota Venza$984$82
42Ford Explorer$988$82
43Volkswagen Taos$988$82
44Fiat 500X$994$83
45Toyota RAV4$994$83
46Kia Sorento$996$83
47Kia Soul$996$83
48Nissan Frontier$1,004$84
49GMC Canyon$1,010$84
50Hyundai Palisade$1,010$84

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Maine.Data last updated on March 24, 2022
    Top 50 Cheapest Car Insurance Rates in Maine

    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. Only the top four vehicles, the Subaru Forester, Honda CR-V, Toyota Tacoma, and Honda Pilot make the list of the top 50 cheapest vehicles to insure shown above. This chart gives a better picture of how car insurance rates are dispersed over a variety of popular models.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Maine car insurance cost is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Maine Zip Codes.Data last updated on March 24, 2022
    Maine Car Insurance Rates for Popular Vehicles
    Maine Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Subaru Forester$910$76
    Honda CR-V$922$77
    Toyota Tacoma$976$81
    Toyota RAV4$994$83
    Ford F150$1,018$85
    Nissan Rogue$1,032$86
    Toyota Camry$1,034$86
    Honda Pilot$1,068$89
    GMC Sierra$1,074$90
    Chevrolet Traverse$1,086$91
    Hyundai Santa Fe$1,100$92
    Ford Mustang$1,112$93
    Chevrolet Silverado$1,132$94
    Jeep Cherokee$1,170$98
    Ram Truck$1,204$100

    How much do teen drivers cost to insure in Maine?

    Average car insurance rates for drivers age 16 to 19 range from $2,646 per year for a 19-year-old female driver up to $3,772 per year for a 16-year-old male driver.

    For 17 and 18-year-old drivers, average car insurance rates in Maine will cost $3,134 to $3,524 per year for 17-year-olds and $2,854 to $3,290 per year for 18-year-olds.

    Teen driver car insurance rates in Maine for some specific vehicles include:

    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 2022 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.