Best Car Insurance in Maine (2025)
State Farm, USAA, and Travelers are among the top auto insurers in Maine.
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Written byJoe Dyton
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Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.
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Edited byChris Schafer
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15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Table of contents
Table of contents
Shopping for car insurance can be challenging, especially for new drivers. Everyone has different priorities for what they want in an auto insurer. Insurify analyzed 50 auto insurance companies to help you determine the best car insurance options in Maine.
If you’re in the market for car insurance, keep reading to gather more information about the top Maine insurance companies.
Best car insurance companies in Maine
Maine has no shortage of car insurance companies. That’s why you should always compare multiple insurers’ prices, coverages, and discounts before you purchase or renew your car insurance policy.
Here’s a look at five companies with the best car insurance in Maine.
State Farm: Best overall
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $41/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $78/mo |
4.1
Best choiceBased on 12,985 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,633)
James
Verified Review
Rising Prices
Reviewed in Florida on December 2025
They are fairly good at communicating, but raising prices twice this year—15% last February and 25% this December—is ridiculous. The only explanation is that it's across the board.
Nancy
Verified Review
Too High
Reviewed in Tennessee on December 2025
Too high. I have car and home insurance with State Farm. I'm 77 years old and pay a mortgage. No accidents, only drive once or twice a week.
Andrew
Verified Review
Insurance Should Cost Less
Reviewed in New York on December 2025
Customer service is excellent. Insurance premiums are better than average, but not as low as they should be.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
664NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Saving money is a priority for many car insurance shoppers. The State Farm Personal Price Plan makes it easier for Maine drivers to do so. With the Personal Price Plan, you’re in full control of selecting the coverages, discounts, deductible amounts, and more to create a car insurance policy that fits your needs and budget.
Pros
Many discounts available
Agents in more than a dozen Maine cities
Can file a claim online, over the phone, or through the mobile app
Cons
Accident forgiveness not available
Gap insurance not available
Not as many discounts as some insurers
USAA: Best for military families
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $39/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $75/mo |
4.9
Best choiceBased on 2,512 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,348)
Sjon
Verified Review
USAA lives up to its reputation.
Reviewed in Texas on December 2025
Good. I caused my first accident recently. There were no problems with the insurance and they took care of it. I didn't have to do anything.
James
Verified Review
USAA has been my insurance company for 50 years. I have been satisfied in the past, but in recent years they have fallen behind other companies in terms of rates for older drivers like me. I am 81 years old, fully retired, do not commute, and do not drive any distances beyond a local grocery store and my gym twice a week. Unfortunately, USAA has not offered competitive rates for people like me: a retired octogenarian who rarely drives my 13-year-old car.
Reviewed in Georgia on December 2025
USAA has been my insurance company for 50 years. I have been satisfied in the past, but in recent years they have fallen behind other companies in terms of rates for older drivers like me. I am 81 years old, fully retired, do not commute, and do not drive any distances beyond a local grocery store and my gym twice a week. Unfortunately, USAA has not offered competitive rates for people like me: a retired octogenarian who rarely drives my 13-year-old car.
Charles
Verified Review
Satisfactory but expensive
Reviewed in Florida on December 2025
It's hard to get through online and on the phone.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
741NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA provides auto insurance exclusively for military service members and their families. The more than 100,000 military veterans living in Maine and active-duty military members alike can score low rates on their car insurance.[1] Additionally, USAA’s SafePilot and usage-based app programs help you save even more on coverage.
Pros
Savings of up to 30% with SafePilot program
Many discounts tailored for military personnel
Usage-based coverage available
Cons
Coverage available only to military members and families
Must make some policy changes over the phone
Live customer service not available 24/7
Travelers: Best for young drivers
| User Reviews | 4.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $71/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $135/mo |
4.8
Best choiceBased on 1,022 verified guest reviews and ratings
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (512)
David
Verified Review
Bad Customer Service
Reviewed in Colorado on December 2025
It took from November 21 to December 19 to get a quote, and I was already a customer for 1 year.
Clarisse
Verified Review
Travelers Auto Insurance Renewal
Reviewed in Massachusetts on December 2025
Travelers' prices have always been the lowest I've received every year at renewal.
Jack
Verified Review
Excellent
Reviewed in Alabama on December 2025
They cut my payment in half. I enjoy that.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
623NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Maine has slightly more than 1 million licensed drivers, and almost 50,000 of them are teenagers.[2] Travelers not only has 165 local agents throughout the state but also a number of car insurance discounts tailored toward teen drivers. These discounts include good student, driver training, and student away-at-school discounts.
Pros
Many discounts available
Savings possible with IntelliDrive telematics program
Gap and rental car coverage available
Cons
Many negative customer reviews with the Better Business Bureau
Higher-than-average number of complaints with the National Association of Insurance Commissioners (NAIC)
Rideshare insurance not available
GEICO: Best for senior drivers
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $63/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $111/mo |
4.0
Best choiceBased on 13,555 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,943)
Linda
Verified Review
Horrible Customer Service
Reviewed in California on December 2025
Find another insurance company. Their rates are insane, and they pay any scammer's claim, leaving you disadvantaged.
Deborah
Verified Review
Expensive Insurance
Reviewed in Florida on December 2025
Too expensive for a driver with nothing on their record.
Michael
Verified Review
Good Company
Reviewed in Georgia on December 2025
To me, all car insurance has gotten way too expensive. GEICO is as good as any and better than most!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
638NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Almost one-quarter of Maine’s population (23%) are older than 65, making it the oldest state in the U.S.[3] Seniors residing in Maine could leverage a number of GEICO’s available discounts to lower their car insurance premiums. Older Maine drivers could take a defensive driver course or maintain a clean driving record to save on their car insurance.
Pros
Low rates and car insurance discounts for senior drivers
Accident forgiveness available after five years
24/7 customer service
Cons
Only one agent in Maine
Gap insurance not available
Few add-on coverages
Safeco: Best for low rates
| User Reviews | 4.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $69/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $110/mo |
4.4
Best choiceBased on 949 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (515)
Carol
Verified Review
It was so-so. Had to get hold of my agent
Reviewed in Wisconsin on December 2025
They are fast to answer my claim.
Shelley
Verified Review
Insurance Ignorance
Reviewed in New York on December 2025
If you go to an underwriter, you'll pay double.
Rex
Verified Review
Premium Increase After Policy Cancellation
Reviewed in Pennsylvania on December 2025
My premium increased by over 40% because I didn't have a car for 8 months, so I canceled my policy. Now I'm paying a huge difference in premium after filing a claim where the other party was at fault, and nothing was paid out on the claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Many factors can go into deciding on the best car insurance in Maine, but sometimes it just comes down to price. Safeco could be a good choice for Maine drivers looking for a low car insurance premium because it has some of the lowest rates in the state.
Pros
Some of the lowest rates in Maine
Cash back for going six months claims-free
Savings possible with RightTrack program
Cons
Quotes only available through an agent
Limited coverage options
Fewer discounts and coverages than competitors
Our editorial team analyzed regional and national auto insurance companies that sell policies in Maine to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Maine
With so many choices, it can be difficult to decide on the best car insurance in Maine. Here are a few tips to help you select the best auto insurance company for you:
Consider how much coverage you need
How much protection does your car need? If you’re driving a brand-new vehicle, you’ll probably want comprehensive and collision coverage. If you took out a car loan to purchase your vehicle, your lender may require you to have full coverage. On the other hand, if you drive a paid-off vehicle or one on the older side, liability insurance may be enough coverage for you.
Read policyholder reviews
A good quote, multiple discounts, and a variety of coverages you need might be enough to make a car insurance company stand out as having the best car insurance in Maine for you. If you’re still not sure, though, read what others have said about the insurer you’re considering. Look for the J.D. Power ratings, how the insurer fared on the Better Business Bureau (BBB) website, and how many complaints it received through the National Association of Insurance Commissioners (NAIC).
Check out discounts
You may be interested in the quote you received from your car insurance company of choice, but you could have a chance to save more on your premium. Look at what discounts each insurer offers. You could save money by having certain safety features in your vehicle, insuring multiple vehicles on your policy, or using the same insurance company to protect your car and home.
Comparison shop
You might like the quote you get from the first car insurance company you shop with. But it’s a competitive market, so it’s worthwhile to get car insurance quotes from at least three different companies to ensure your coverage needs are met. You may find that the insurer that offers the lowest price doesn’t offer some of the coverage that matters most to you.
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Average cost of car insurance in Maine
The average cost of liability car insurance in Maine is $80 per month. This is less than the national average of $99. Meanwhile, full-coverage car insurance in Maine is $138 per month, less than the national average of $176.
Maine has required car insurance policies to provide coverage up to $500 per accident for towing and storage since July 1, 2024. This new coverage is in addition to Maine’s longstanding minimum car insurance requirements, which include bodily injury coverage and property damage liability coverage.
Best car insurance in Maine FAQs
The information below can help answer your remaining questions about finding the best car insurance in Maine.
How much is car insurance in Maine?
Maine drivers pay a monthly average of $80 for liability coverage and $138 for full coverage, Insurify data shows.
What are the best car insurance companies in Maine?
State Farm, GEICO, USAA, Safeco, and Travelers are among the best car insurance companies in Maine. But determining the best insurer for you will depend on your budget, how much coverage you need, and any other unique circumstances you may have.
What is the required auto insurance coverage amount in Maine?
Maine’s minimum coverage requirements include bodily liability insurance of $50,000 per person and $100,000 per accident; $25,000 per accident in property damage liability coverage; $50,000 per person in uninsured motorist coverage; and $100,000 per accident and $2,000 in medical payments coverage.[4]
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Sources
- USA Facts. "Veterans in Maine."
- State of Maine. "TECHNICAL ASSESSMENT of the DRIVER EDUCATION PROGRAM."
- Maine.gov. "Ageism Awareness Day 2024: Shifting Demographics & Contributions of Older Adults."
- Maine Bureau of Insurance. "Insurance Required by Law."
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Joe DytonInsurance Writer
Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.