Car Insurance in South Portland, ME – 2025 Averages + Cheapest Rates

• Car insurance in South Portland cost an average of $1,748 per year, or approximately $146 per month for full coverage.
• For cheap auto insurance in South Portland, compact crossovers and SUVs like the Ford Bronco Sport, Toyota Corolla Cross, and Subaru Crosstrek rank well for overall car insurance cost.
• A few vehicles with segment-leading auto insurance rates in South Portland include the Mercedes-Benz CLA250 ($1,802 per year), Acura Integra ($1,556 per year), Kia K5 ($1,684 per year), and Chevrolet Tahoe ($1,644 per year).

How much does car insurance cost in South Portland, ME?

In South Portland, average car insurance cost is $1,748 per year, which is 23.8% less than the overall national average rate of $2,221. Per month, South Portland car insurance costs approximately $146 for a full-coverage car insurance policy.

In the state of Maine, the average price for car insurance is $1,784 per year, so the cost in South Portland averages $36 less per year. When rates are compared to other cities in Maine, the cost to insure a car in South Portland is approximately $70 per year cheaper than in Auburn, $76 per year less than in Lewiston, and $48 per year cheaper than in Bangor.

The age of the rated driver is one of the largest factors in the cost of car insurance, so the list below illustrates these differences by breaking out average car insurance rates for different driver ages.

Average cost of car insurance in South Portland for drivers age 16 to 60

• 16-year-old driver – $6,228 per year or $519 per month
• 17-year-old driver – $6,034 per year or $503 per month
• 18-year-old driver – $5,409 per year or $451 per month
• 19-year-old driver – $4,925 per year or $410 per month
• 20-year-old driver – $3,522 per year or $294 per month
• 30-year-old driver – $1,868 per year or $156 per month
• 40-year-old driver – $1,748 per year or $146 per month
• 50-year-old driver – $1,550 per year or $129 per month
• 60-year-old driver – $1,452 per year or $121 per month

The chart below summarizes auto insurance cost in South Portland for different common policy situations. Rates are averaged for all South Portland Zip Codes and shown based on a range of driver ages, policy deductibles, and potential risk scenarios.

Average rates in the previous chart range from $1,454 per year for a middle-aged driver with a discount rate policy to $4,022 per year for a 20-year-old driver with a history of violations and/or at-fault accidents. Throughout our site, the rate used for comparison of different segments, models, and locations is the 40-year-old safe driver rate, which is an average cost of $1,748 per year in South Portland.

As a monthly price, the average cost to insure a car in South Portland ranges from $121 to $335 for the same driver ages and deductibles shown in the previous chart.

South Portland auto insurance rates have different premiums for every driver and small changes in driver risk profiles can have substantial effects on car insurance cost. The high chance of significant rate differences emphasizes the need for accurate car insurance quotes when shopping online for more affordable car insurance.

The models that have high popularity in South Portland tend to be compact and midsize cars like the Honda Civic, Toyota Corolla, and Toyota Camry and compact and midsize SUVs like the Toyota RAV4, Nissan Rogue, and Ford Explorer.

Additional popular vehicles from other vehicle segments include luxury models like the Infiniti Q50 and Infiniti QX60, pickup trucks like the Ford Ranger and Toyota Tacoma, and sports cars like the Chevy Corvette and Nissan GT-R.

We get into many more car rates a little later in this article, but first, let’s quickly revisit some of the key concepts we covered so far.

• Cost per month ranges from $121 to $519 – That’s the average auto insurance price range for drivers from age 16 to 60 in South Portland, Maine.
• Auto insurance is generally cheaper as you get older – Insurance rates for a 50-year-old driver in South Portland are $1,972 per year cheaper than for a 20-year-old driver.
• South Portland, ME, car insurance costs less than the U.S. average – $1,748 (South Portland average) versus $2,221 (U.S. average)
• Car insurance rates decline substantially from age 20 to 30 – The average 30-year-old South Portland, ME, driver will pay $1,654 less annually than a 20-year-old driver, $1,868 compared to $3,522.
• Insurance for teen drivers can be expensive – Average cost can range from $4,165 to $6,228 per year for teenage driver insurance in South Portland, ME.
• Low deductible auto insurance costs more – A 50-year-old driver pays an average of $724 more per year for $250 deductibles compared to $1,000 deductibles.

Which autos have the cheapest car insurance rates?

The vehicles with the most affordable insurance prices in South Portland tend to be small SUVs and crossovers like the Chevrolet Trailblazer, Kia Soul, and Hyundai Venue. Average auto insurance rates for those crossover SUVs cost $1,420 or less per year for full coverage car insurance.

Some additional models that are in the top 20 in the cost comparison table are the Buick Envista, Subaru Outback, Honda CR-V, and Buick Encore.

Average auto insurance rates are a little higher for those models than the cheapest small SUVs that rank at the top, but they still have an average cost of $1,522 or less per year.

The following table shows the cheapest vehicles to insure in South Portland, ordered by annual cost.

The table above that contains 25 vehicles with the cheapest insurance in South Portland is fine if you just want the absolute lowest rates. A more efficient way to analyze rates for more models is by sorting them by the segment they belong to.

The next section discusses the average cost of auto insurance in South Portland for each different automotive segment. The rates shown will give you a decent understanding of the automotive segments that have the overall cheapest average car insurance rates. The six sections following the chart will break out the cheapest insurance rates for individual models in each unique segment.

Average insurance cost by automotive segment

When comparing new or used vehicles, it’s advantageous to know which styles of vehicles have less expensive insurance rates. For instance, maybe you want to know if compact SUVs have cheaper car insurance than midsize SUVs or if full-size SUVs are more expensive to insure than midsize or compact SUVs.

The next chart displays the average cost of auto insurance rates in South Portland for different vehicle segments. From an overall average perspective, small SUVs and midsize pickups tend to have the most affordable average rates, with luxury cars and sports cars having the most expensive average insurance cost.

Average auto insurance rates by segment are handy for getting a ballpark comparison, but insurance cost varies significantly within each automotive segment displayed in the above chart.

For example, in the small car segment, average South Portland insurance rates range from the Toyota GR Corolla costing $1,520 per year for full coverage insurance up to the Toyota Mirai costing $2,176 per year, a difference of $656 within that segment. For another example, in the large luxury SUV segment, the average cost of insurance ranges from the Infiniti QX80 costing $1,962 per year up to the Mercedes-Benz G63 AMG costing $3,760 per year.

In the following sections, we eliminate this variability by looking at the cost of auto insurance in South Portland for individual vehicles.

Cheapest cars to insure in South Portland, Maine

The Toyota GR Corolla comes in at #1 as the most budget-friendly non-luxury sedan or hatchback to insure in South Portland, followed closely by the Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. The 2024 model averages $1,520 per year to insure with full coverage.

Additional models that have cheaper rates include the Kia K5, Toyota Corolla, Toyota Prius, and Honda Accord, with an average cost to insure of $1,704 per year or less.

Car insurance rates in South Portland for this segment for a good driver starts at an average of $127 per month, depending on the company. The comparison table below ranks the twenty cars with the cheapest car insurance in South Portland, starting with the Toyota GR Corolla at $1,520 per year and ending with the Mazda 3 at $1,810 per year.

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Don’t see rates for your vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap South Portland car insurance quotes from the best companies in Maine.

Cheapest SUVs to insure in South Portland

The top five models for the cheapest South Portland auto insurance rates in the SUV segment (excluding luxury models) are the Kia Soul, Nissan Kicks, Subaru Crosstrek, Honda Passport, and Chevrolet Trailblazer. Car insurance prices for these 2024 models average $1,394 or less per year, or around $116 per month.

Rounding out the top 10 are SUVs like the Ford Bronco Sport, Mazda CX-5, Hyundai Venue, and Buick Envision, with average rates of $1,434 per year or less.

Ranked lower than 10th place, but still in the top 20, models like the Volkswagen Tiguan, Honda HR-V, Buick Encore, Nissan Murano, and Volkswagen Taos average between $1,434 and $1,522 per year for insurance.

Car insurance in South Portland for this segment for a good driver will start around $108 per month, depending on the company.

The next table ranks the twenty SUVs with the lowest-cost car insurance in South Portland.

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Don’t see your vehicle? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Maine.

Cheapest sports car insurance rates in South Portland

The four cheapest sports cars to insure in South Portland are the Mazda MX-5 Miata at $1,620 per year, Toyota GR86 at $1,844 per year, Ford Mustang at $1,920 per year, and BMW Z4 at $1,932 per year.

Other cars that rank well include the BMW M2, Subaru BRZ, Lexus RC F, and Nissan Z, with an average cost to insure of $2,090 per year or less.

Ranked in the lower half of the top 20, cars like the Jaguar F-Type, BMW M4, Chevrolet Corvette, Porsche Taycan, Porsche 718, and Porsche 911 cost between $2,090 and $2,962 per year for insurance in South Portland.

Full-coverage car insurance in this segment starts at around $135 per month, depending on your location. The comparison table below ranks the twenty sports cars with the lowest-cost average car insurance rates in South Portland, starting with the Mazda MX-5 Miata at $1,620 per year ($135 per month) and ending with the Porsche Taycan at $2,962 per year ($247 per month).

Don’t see rates for your sports car? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in South Portland.

Pickups with the cheapest car insurance rates

The Chevrolet Colorado comes in at #1 as the most budget-friendly pickup truck to insure in South Portland, followed closely by the Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. The 2024 model costs an average of $1,542 per year for full-coverage auto insurance.

Also ranking well in our comparison are models like the Hyundai Santa Cruz, Honda Ridgeline, Toyota Tacoma, and GMC Canyon, with average annual insurance rates of $1,800 per year or less.

From a cost per month standpoint, full-coverage auto insurance on this segment in South Portland for a middle-age safe driver can cost as low as $129 per month, depending on where you live and the company you use.

The comparison table below ranks the twenty pickups with the most affordable car insurance rates in South Portland, starting with the Chevrolet Colorado at $1,542 per year and ending with the Ram Truck at $2,022 per year.

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Looking for rates for a different pickup? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap South Portland car insurance quotes from top-rated companies in Maine.

Cheapest luxury car insurance rates

The top five most budget-friendly luxury cars to insure in South Portland are the Acura Integra, BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. Rates for for these five models range from $1,556 to $1,810 per year.

Some other luxury cars that rank well in our comparison are the Lexus RC 300, Mercedes-Benz AMG CLA35, Genesis G70, and Cadillac CT4, with average cost of $1,840 per year or less.

Additional 2024 luxury models that make the list include the BMW 228i, BMW 330e, Jaguar XF, and BMW 230i, which average between $1,840 and $1,962 per year for insurance.

From a monthly standpoint, car insurance rates in this segment for a good driver starts at an average of $130 per month, depending on your location and insurance company. The next table ranks the cars with the cheapest car insurance rates in South Portland, starting with the Acura Integra at $1,556 per year ($130 per month) and ending with the Audi S3 at $1,962 per year ($164 per month).

See our guide for luxury car insurance to compare rates for all makes and models.

Don’t see rates for your luxury car? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free South Portland car insurance quotes from the best car insurance companies in Maine.

Cheapest luxury SUV insurance rates

The top five lowest-cost SUVs to insure in South Portland are the Acura RDX, Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. Average rates for for these vehicles range from $1,462 to $1,652 per year.

Not the cheapest in the list, but still ranking well, are SUVs like the Lexus NX 350h, Lexus UX 250h, Mercedes-Benz GLB 250, and Lexus NX 450h, with average insurance cost of $1,688 per year or less.

Auto insurance rates in this segment for an average middle-age driver can cost as low as $122 per month, depending on your company and location.

When vehicle size is factored in, the cheapest small luxury SUV to insure in South Portland is the Acura RDX at $1,462 per year. For midsize luxury SUVs, the Jaguar E-Pace is cheapest to insure at $1,636 per year. And for full-size luxury models, the Infiniti QX80 is cheapest to insure at $1,962 per year.

The table below ranks the twenty luxury SUVs with the most affordable car insurance in South Portland.

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Looking for rates for a different model? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap South Portland car insurance quotes from the best car insurance companies in Maine.

Rate variation in South Portland

To emphasize the importance of the amount that car insurance rates can range from one person to the next (and also emphasize the importance of accurate rate quotes), the sections below contain detailed auto insurance rates for four popular models in South Portland: the Ford F150, Nissan Sentra, Nissan Rogue, and Kia Sorento.

Each example displays average rates for different profiles to show the possible variation based on driver risk and policy deductibles.

Ford F150 insurance rates

In South Portland, Ford F150 insurance costs an average of $1,960 per year, or around $163 per month, and varies from $1,624 to $4,520 per year.

The Ford F150 is classified as a full-size truck, and other top-selling models from the same segment include the Ram Truck, Nissan Titan, GMC Sierra, and Chevrolet Silverado.

Nissan Sentra insurance rates

Insurance for a Nissan Sentra in South Portland averages $1,604 per year (about $134 per month) and ranges from $1,332 to $3,642 annually.

The Nissan Sentra is part of the compact car segment, and other models popular in South Portland include the Honda Civic, Volkswagen Jetta, Hyundai Elantra, and Chevrolet Cruze.

Nissan Rogue insurance rates

Insurance for a Nissan Rogue in South Portland costs an average of $1,572 per year, or about $131 per month, and varies from $1,306 to $3,592 annually.

The Nissan Rogue is considered a compact SUV, and other popular same-segment models include the Chevrolet Equinox, Subaru Forester, Honda CR-V, and Ford Escape.

Kia Sorento insurance rates

Kia Sorento insurance in South Portland averages $1,662 per year (about $139 per month) and varies from $1,382 to $3,814 annually.

The Kia Sorento is classified as a midsize SUV, and other models popular in South Portland include the Jeep Grand Cherokee, Toyota Highlander, and Honda Pilot.

Saving money on car insurance

Financially savvy drivers are often looking to pay less for auto insurance So scan the money-saving tips in the list below and it’s very likely you can save a few bucks when buying auto insurance.

• Check your credit score. Having a credit score over 800 could save as much as $274 per year compared to a credit rating of 670-739. Conversely, a weaker credit score below 579 could cost up to $318 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Shop your coverage around. Setting aside a few minutes to get free car insurance quotes is a smart way to save money. Companies change rates often and you are not locked into any one company.
• If your vehicle is older, reduce coverage. Removing physical damage coverage (comprehensive and collision) from older vehicles whose value has decreased can cheapen the cost significantly.
• Compare rates before buying a car. Different cars, and even different trim levels of the same car, can have significantly different car insurance rates, and insurers can charge very different rates. Get quotes to compare the cost of insurance before you upgrade you car in order to avoid any surprises when you receive your bill.
• Obey the law and pay less. If you want cheap car insurance in South Portland, it’s necessary to follow traffic laws. A couple of minor infractions on your driving record have the potential to raise the cost of a policy as much as $466 per year. Serious misdemeanors such as DUI/DWI and felony use of a motor vehicle could raise rates by an additional $1,628 or more.
• More discounts equals more savings. Savings may be available if the insureds belong to certain professional organizations, are homeowners, choose electronic billing, are loyal customers, drive low annual mileage, or many other discounts which could save the average South Portland driver as much as $294 per year on the cost of car insurance
• Choose vehicles that have cheaper car insurance. The make and model of vehicle you drive is one of the biggest factors in the price you pay for insurance. For example, a Subaru Impreza costs $1,798 less per year to insure in South Portland than a Nissan GT-R. Lower performance vehicles cost less to insure.