- Average car insurance cost in Maine is $1,054 per year, or around $88 per month.
- Maine ranks third in the Northeast, and ranks #8 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 $1,054 per year, or around $88 per month, which is 32.7% less than the national average rate of $1,567.
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 $1,036 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.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
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.
|Northeast Region States||Average Insurance Cost||Annual Difference|
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.
|Vehicle Segment||Annual Rate||Monthly Rate|
|Compact Luxury SUV||$1,182||$99|
|Compact Luxury Car||$1,198||$100|
|Heavy Duty Pickup||$1,256||$105|
|Midsize Luxury SUV||$1,270||$106|
|Midsize Luxury Car||$1,394||$116|
|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, Volkswagen Tiguan, Subaru Forester, Mazda MX-5 Miata, 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.
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.
|Make/Model||Annual Rate||Monthly Rate|
|Hyundai Santa Fe||$1,100||$92|
How much do teen drivers cost to insure in Maine?
Teen driver car insurance rates in Maine for some specific vehicles include:
- Honda Civic insurance for a 16-year-old male driver averages $3,750 per year
- Toyota Corolla insurance for a 16-year-old female driver averages $3,382 per year
- Subaru Outback insurance for a 17-year-old male driver averages $3,222 per year
- Toyota Camry insurance for a 17-year-old female driver averages $3,060 per year
- Hyundai Sonata insurance for a 18-year-old male driver averages $3,786 per year
- Chevy Equinox insurance for a 18-year-old female driver averages $2,656 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 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.