Maine Car Insurance Cost for 2023

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 $1,062 per year, or around $89 per month, which is 37% less than the national average rate of $1,685.

Average rates on some of the more popular vehicles on the road in Maine include the Honda CR-V at $900 per year, the Toyota Camry at $1,008 per year, the Subaru Forester at $896 per year, and the Toyota Prius at $1,002 per year.

Midsize pickups and minivans also have very affordable car insurance quotes, with the Toyota Tacoma costing an average of $970 per year, the Chevy Colorado at $882 per year, the Kia Carnival costing $1,064 per year, and the Chrysler Pacifica at $1,040 per year.

The chart below shows the average cost of car insurance in Maine for all 2023 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 2023 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 December 30, 2022
Average Car Insurance Cost in Maine
Average Car Insurance Cost in Maine
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,790$149
$500$2,112$176
$250$2,454$205
30$1,000$940$78
$500$1,122$94
$250$1,312$109
40$1,000$898$75
$500$1,062$89
$250$1,236$103
50$1,000$818$68
$500$966$81
$250$1,122$94
60$1,000$802$67
$500$948$79
$250$1,102$92

Maine auto insurance rates in the chart above range from $802 per year for a 60-year-old driver with $1,000 deductibles to $2,454 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 $205.

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 10.2% cheaper than New Hampshire, 44.7% cheaper than Massachusetts, 17% cheaper than Vermont, 46% cheaper than Connecticut, and 51.4% cheaper than Rhode Island.

When compared to states outside the immediate vicinity, the average cost of auto insurance in Maine is 48% cheaper than New York, 43.9% cheaper than Colorado, 51.6% cheaper than Florida, 41.1% cheaper than Georgia, and 50.2% cheaper than California.

Obviously the term “affordable” means something different to everyone, and still having to pay an average of $89 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.

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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
Maine$1,062--
New Hampshire$1,182$120
Vermont$1,280$218
Maryland$1,638$576
Pennsylvania$1,694$632
Massachusetts$1,922$860
Connecticut$1,966$904
Delaware$2,008$946
New York$2,042$980
New Jersey$2,136$1,074
Rhode Island$2,186$1,124

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 $1,000 per year, while sports cars and luxury cars can easily top $1,600 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 2023 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 December 29, 2022
Maine Car Insurance Rates by Vehicle Segment
Maine Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$964$80
Midsize Pickup$1,004$84
Midsize SUV$1,036$86
Minivan$1,038$87
Compact Car$1,058$88
Midsize Car$1,082$90
Compact Luxury SUV$1,150$96
Half-ton Pickup$1,152$96
Large SUV$1,160$97
Compact Luxury Car$1,166$97
Heavy Duty Pickup$1,220$102
Large Car$1,234$103
Midsize Luxury SUV$1,234$103
Midsize Luxury Car$1,352$113
Sports Car$1,450$121
Large Luxury SUV$1,560$130
Large Luxury Car$1,638$137

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 Subaru Crosstrek, Chevrolet Trailblazer, and Nissan Rogue Sport. Average auto insurance prices for those small SUVs cost $848 or less per year to have full coverage.

Some additional vehicles that are highly ranked in our insurance cost comparison are the Kia Seltos, Hyundai Venue, Subaru Impreza, Honda HR-V, Honda CR-V, Subaru Forester, Ford Edge, and Chevrolet Colorado.

The table below ranks the top 50 cheapest vehicles to insure in Maine from the 2023 model year chosen from all vehicle segments.

Top 50 Cheapest Car Insurance Rates in Maine
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$804$67
2Subaru Crosstrek$810$68
3Nissan Kicks$816$68
4Honda Passport$826$69
5Nissan Rogue Sport$828$69
6Mazda CX-5$834$70
7Buick Encore$846$71
8Buick Envision$848$71
9Kia Seltos$862$72
10Subaru Ascent$864$72
11Hyundai Venue$866$72
12Subaru Impreza$880$73
13Chevrolet Colorado$882$74
14Ford Maverick$882$74
15Honda HR-V$884$74
16Acura RDX$886$74
17Hyundai Kona$892$74
18Subaru Forester$896$75
19Ford Edge$900$75
20Honda CR-V$900$75
21Ford Explorer$902$75
22Mazda CX-30$902$75
23Volkswagen Atlas$906$76
24Chevrolet Trax$914$76
25Nissan Murano$914$76
26Subaru Outback$914$76
27Nissan Frontier$916$76
28Volkswagen Tiguan$922$77
29Ford Bronco Sport$924$77
30Fiat 500X$942$79
31Ford Ranger$942$79
32GMC Terrain$944$79
33Kia Soul$946$79
34Mitsubishi Eclipse Cross$946$79
35Volkswagen Atlas Cross Sport$948$79
36Lexus RX 350$950$79
37Acura Integra$954$80
38Chevrolet Equinox$956$80
39Cadillac XT4$958$80
40Toyota Corolla Cross$960$80
41Volkswagen Taos$962$80
42GMC Canyon$964$80
43Mazda CX-50$968$81
44Toyota Venza$968$81
45Hyundai Tucson$970$81
46Toyota Tacoma$970$81
47Volkswagen Jetta$970$81
48Ford Escape$972$81
49Honda Odyssey$972$81
50Kia Sorento$974$81

    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 December 30, 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. 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 2023 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 December 30, 2022
    Maine Car Insurance Rates for Popular Vehicles
    Maine Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Subaru Forester$896$75
    Honda CR-V$900$75
    Toyota Tacoma$970$81
    Nissan Rogue$976$81
    Toyota RAV4$984$82
    Toyota Camry$1,008$84
    Chevrolet Traverse$1,014$85
    Honda Pilot$1,022$85
    Ford F150$1,082$90
    Hyundai Santa Fe$1,090$91
    Ford Mustang$1,152$96
    Jeep Cherokee$1,154$96
    GMC Sierra$1,160$97
    Ram Truck$1,160$97
    Chevrolet Silverado$1,162$97

    How much do teen drivers cost to insure in Maine?

    Average car insurance rates for drivers age 16 to 19 range from $2,676 per year for a 19-year-old female driver up to $3,802 per year for a 16-year-old male driver.

    For 17 and 18-year-old drivers, average car insurance rates in Maine will cost $3,162 to $3,556 per year for 17-year-olds and $2,882 to $3,322 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 2023 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.