- Average car insurance cost in Maine is $960 per year, or around $80 per month.
- Maine not only has the most affordable car insurance in the Northeast, but ranks #1 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 $960 per year, or around $80 per month, which is 37% less than the national average rate of $1,523.
Maine has the cheapest average auto insurance rates in the country, beating out Virginia, Iowa, and Idaho which rank second, third, and fourth.
Average rates on some of the more popular vehicles on the road in Maine include the Honda CR-V at $722 per year, the Toyota Camry at $964 per year, the Subaru Forester at $714 per year, and the Toyota Prius at $954 per year.
Midsize pickups and minivans also have very affordable car insurance quotes, with the Toyota Tacoma costing an average of $808 per year, the Chevy Colorado at $816 per year, the Kia Sedona costing $814 per year, and the Chrysler Pacifica at $878 per year.
The chart below shows the average cost of car insurance in Maine for all 2021 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 $728 per year for a 60-year-old driver with $1,000 deductibles to $2,214 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 $61 to $185.
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 12.7% cheaper than New Hampshire, 24.5% less than Massachusetts, 8.7% less than Vermont, 42.1% less than Connecticut, and 46.8% less than Rhode Island.
When compared to states outside the immediate vicinity, the average cost of auto insurance in Maine is 42.9% cheaper than New York, 40.7% cheaper than Colorado, 53.1% cheaper than Florida, 38.7% cheaper than Georgia, and 42.7% cheaper than California.
Obviously the term “affordable” means something different to everyone, and still having to pay an average of $80 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 also ranks first 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 around $870 per year, while sports cars and luxury cars can top $1,400 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|
|Small Luxury SUV||$1,008||$84|
|Heavy Duty Truck||$1,078||$90|
|Midsize Luxury SUV||$1,084||$90|
|Small Luxury Car||$1,116||$93|
|Midsize Luxury Car||$1,268||$106|
|Large Luxury SUV||$1,298||$108|
|Large Luxury Car||$1,480||$123|
What is the cheapest car insurance in Maine?
Vehicles that have the cheapest car insurance quotes in Maine for their respective segments include the Subaru Forester at $714 per year, the Volkswagen Golf at $766 per year, the Mazda 6 at $892 per year, and the Ford Edge at $764.
Other models that are cheapest in their respective segments are the Kia Cadenza at $976 per year, the Toyota Sequoia at $950 per year, the Toyota Tacoma at $808 per year, and the Ford F-150 at $916 per year.
For luxury models, the cheapest luxury car insurance rates in Maine can be found on the Mercedes-Benz A220 at $942 per year, the Acura ILX at $898 per year, and the Volvo S90 at $1,048 per year. The cheapest luxury SUVs to insure in Maine include the Volvo XC40 at $794 per year, the Volvo V60 at $906 per year, and the Volvo XC90 at $924 per year.
The table below ranks the top 50 cheapest vehicles to insure in Maine from the 2021 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||$1,000||$83|
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 $3,232 per year
- Toyota Corolla insurance for a 16-year-old female driver averages $2,632 per year
- Subaru Outback insurance for a 17-year-old male driver averages $2,728 per year
- Toyota Camry insurance for a 17-year-old female driver averages $2,844 per year
- Hyundai Sonata insurance for a 18-year-old male driver averages $3,566 per year
- Chevy Equinox insurance for a 18-year-old female driver averages $2,344 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 2021 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.