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Cheap SR 22 Auto Insurance in Maine: Best Companies & Quotes
Tyron Jones
Personal Finance Expert
Updated: 02/2023
Tyron Jones is a finance expert who has operated within the auto insurance business for more than 10 years. He has written many other finance related articles for a number of prominent publications.
Best Car Insurance Companies in Maine
- Geico
- Concord Group
- State Farm
- Metropolitan
- Allstate
- Progressive
| Geico | Concord Group | State Farm | Metropolitan | Allstate | Progressive | |
|---|---|---|---|---|---|---|
| AM Best Financial Strength Rating | A++ | A+ | A++ | A | A+ | A+ |
| JD Power 2019 Overall Customer Satisfaction score | 4/5 | N/A | 3/5 | 3/5 | 4/5 | 3/5 |
| Avg Annual Premium | $301 | $478 | $479 | $529 | $772 | $624 |
| Consumer Reports Reader Score | 78 | N/A | 78 | N/A | 72 | 75 |
| BBB Rating | A+ | A+ | A+ | Not Rated | A+ | A+ |
Auto Insurance Statistics in Maine
Auto insurance rates in Maine have been much lower than the national average for many years with no sign of increasing. By having a look at the auto insurance rates in Maine, drivers can get an idea of the range they can expect to pay when it comes to auto insurance premiums in the local area.
Top 10 Cheapest Car Insurance Companies in Maine
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | Travelers | $618 |
| 2 | The Hartford | $735 |
| 3 | USAA | $843 |
| 4 | Concord Group | $977 |
| 5 | State Farm | $995 |
| 6 | MMG Insurance Company | $1,029 |
| 7 | Progressive | $1,139 |
| 8 | Metropolitan | $1,153 |
| 9 | Patriot Group | $1,170 |
| 10 | Countryway Insurance | $1,245 |
Drunk Driving Fatalities
Drinking and driving is a potentially deadly practice that often ends in fatalities. In Maine, the drunk driving rate started out low and then went incrementally higher over time. It reached a high point in 2016. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in Maine vs. nationwide.
Drunk driving fatalities in Maine from 2013 to 2017
Source: The National Highway Traffic Safety Administration
Teen Drinking and Driving
Teen drinking and driving in Maine has been occurring at a rate that is much higher than the national average. This points to a serious concern that needs to be addressed by parents and teachers. The below statistics compare the percentage of Maine drivers that are teenagers who are drinking and driving related to national averages.
Teen Drinking & Driving in Maine vs. Nationwide (2017)
Source: Center For Disease Control
SR-22 Insurance in Maine
In Maine, an SR-22 insurance policy is simply a policy that ‘offers proof of insurance.' This means that your insurance provider will be required to provide evidence that you are covered by a minimal level of coverage. This helps the state ensure that you have a basic level of coverage that provides financial security to others on the road.
In Maine, SR-22 policies can get quite expensive. Insurance providers often charge more money to people who have previous infractions that have resulted in an SR-22 requirement. For this reason, make sure to compare the market before you sign up for a particular policy.
Car Theft in Maine
The rate of car theft in Maine is less than half of that of the national average. For drivers concerned about the rate of car theft in their state, it helps to have comprehensive car insurance coverage. The below data compares vehicular theft in Maine vs. other states across the country.
Vehicle thefts by rank Nationwide vs. Maine
Source: www.FBI.gov
Uninsured Motorists in Maine
Driving without uninsured and underinsured motorist coverage could leave you liable to pay for out of pocket expenses when an accident occurs. Understanding the risks inherent in driving without this type of coverage can encourage drivers to obtain this protection when taking out their auto insurance policies. The below data shows how well Maine ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
Source: Insurance Information Institute
It's important for Maine residents to carry car insurance. Auto insurance can be expensive, but there are some cheap car insurance options in Maine. The average car insurance rates provided on this list are based on a 30 year old man with a clean driving record.
- Geico: Geico is the cheapest major auto insurance company for Maine residents. The average Geico client pays only 682 dollars per year. This is nearly 500 dollars less than the Maine average of $1,141. Geico offers comprehensive coverage. Some of their features are bodily injury liability (insurance covering medical bills of other drivers injured by you in an accident), damage caused by uninsured drivers, and property damage caused by your vehicle. You can get a quote online with Geico. It's also possible to make claims 24/7. Customers are quite satisfied with the company. More than 80% of customers give Geico a rating of 5/5 stars.
- Patriot Insurance: Patriot Insurance's rates are quite low at an average of 733 dollars per month. One advantage of Patriot Insurance is the fact that you'll always be able to speak with a representative in person rather than online. In addition, the coverage offered by Patriot Insurance is quite comprehensive.
- Vermont Mutual: Vermont Mutual offers affordable car insurance to Maine residents at an average rate of 876 dollars per month. In addition, you can get discounts if you insure multiple vehicles through Vermont Mutual. You also can get discounts for bundling your car and home insurance with Vermont Mutual. You can report a claim by telephone 24/7, and they offer very comprehensive coverage. There are some extra perks of purchase their car insurance, such as the fact that they offer car security equipment.
- Country Way: Country Way offers affordable car insurance to Maine residents at an average rate of 922 dollars per year. You can use their search feature to find an agent located in your area. In addition, the coverage offered by Country Way is quite comprehensive, and it's easy to make a claim.
- Concord: Concord Group Insurance offers car insurance to Maine residents at an average rate of 945 dollars per year. In addition, Concord Group Insurance has numerous agents located throughout the state. With Concord Group Insurance, you can pay your bills either online or over the phone. Their coverage is comprehensive, and it's easy to make claims.
- MetLife: MetLife offers affordable insurance for Maine residents. The average client in Maine pays 991 dollars per year, which is around 150 dollars less per year than the car insurance rates of the average Maine resident. They are a widely known across the country for their comprehensive vehicle coverage. You can get a quote from MetLife online or over the phone.
However, there are a number of factors other than the company you choose that influence what you'll pay. One factor is your driving history. Therefore, there's a good chance that you might be able to lower your car insurance rates by obeying traffic laws and driving carefully. The type of vehicle you drive also has an influence on what you'll pay for insurance, and this is important to take into account when choosing a vehicle.
While this isn't a factor you can necessarily control, the city you live in will also factor into determining the rate you'll pay and which of the top car insurance companies offer the cheapest coverage.
Types of Auto Insurance Coverage in Maine:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
New Driver Requirements in Maine
In Maine, the Bureau of Motor Vehicles (BMV) mandates all drivers to obtain a Maine driver’s license within 30 days of residency in the state. Any driver who is over the age of 21 will first be issued a 1-year provisional driver license. Additionally, each applicant for a standard driver’s license will need to pass a knowledge test, vision screening test, and a road skills test.
Any residents who are 15 who plan on applying for a regular driver’s license will need to first obtain a permit in order to get driving experience. The permit will be valid for an 18-month time period. The following regulations apply during the permit period:
- The applicant will need to complete vision and knowledge tests
- The applicant needs to be accompanied by a licensed driver who is 20 years or older and has held their license for a minimum of 2 years.
- The applicant will need to complete 35 hours of supervised driving including 5 hours of night driving.
- The driver needs to hold the permit for a minimum of 6 months prior to applying or a standard driver’s license.
Source: Bureau of Motor Vehicles (BMV)
Cheap Auto Insurance Discounts
At CheapAutoInsurance.co, we want to help you save as much as possible on your auto insurance premiums in the state of Maine. That is why we have put together a list of top car insurance discounts that you can apply to save even more on your car insurance. Browse the list below to find some of the auto insurance discounts listed that can help you to save on the cost of car insurance in Maine each year.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
FAQ
General Maine Car Insurance
This section will answer the basic questions you have about car insurance in Maine. Use this information to give yourself the necessary background to handle other questions.
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In Maine, how does getting car insurance work when not the vehicle owner?
You need to get a non owner car insurance quote. Some insurance companies may not be willing to provide you with coverage. It may be easier to have the driver get the insurance and just pay the bill for them.
How does auto insurance work in Maine?
Maine requires that you have $50,000 for bodily injury or death per person, up to $100,000 per accident, along with $25,000 for property damage liability coverage.
For Maine auto insurance, how do I remove one car from policy?
You can remove one car from your policy by calling your insurance company and asking to remove it. The company will ask why. If you still have possession of the car and want to keep driving it, then you’ll need other insurance before you can do so legally.
What zip code to put for auto insurance in Maine?
We you want accurate car insurance online quotations you should put the zip code of your current address for your Maine car insurance. Be sure that your current address matches the address on your driver’s license.
How to buy liability car insurance in Maine?
All you need to do to buy the cheapest liability only car insurance in Maine is find a company that offers the right policy for you! You’ll need your driver’s license number and the VIN number for your vehicle, and you can get coverage very quickly. Learn more: What do you need to insure a car?
How to change auto insurance in Maine?
You can change insurance in Maine by calling a new insurance company and signing up for a policy. Then, you can call your former insurance company and cancel. As long as your vehicle stays consistently covered, there’s no problem. Its best to do a car insurance quotes comparison to find the lowest rates.
Maine Car Insurance Laws
Maine’s car insurance laws are a bit different from those in other states. This section answers you questions about how car insurance laws work in Maine.
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When did it become mandatory to have auto insurance in Maine?
The state of Maine was part of the initial wave of states that passed mandatory insurance laws, and it happened in the late 1960’s.
What type of car insurance does Maine require?
Like most states, Maine requires a combination of bodily injury and property damage insurance. You need $50,000 per person and $100,000 per accident for death or bodily injury, and $25,000 for property damage. Learn more about how to find the best auto insurance coverage.
What is the auto insurance minimum in Maine?
The minimum auto insurance you can have in Maine and drive legally is 50/100/25 – $50,000 for death or bodily injury per person, up to $100,000 per accident, and $25,000 for property damage.
What is the penalty for failure to have proof of insurance in car in Maine?
If you don’t have insurance in Maine then you face up to 90 days in jail, a fine between $100 and $500, and the suspension of your registration. Also see no license car insurance policy topics.
What happens in Maine when you don't pay your car insurance?
The car insurance company can choose to drop your coverage if you don’t pay. You’ll get a notice from the state that you need to provide proof of insurance or have your registration suspended and face a fine.
Why can't I get same day auto insurance in Maine?
Different companies have different policies in accordance with state law. It’s possible your driving situation means that insurance companies aren’t allowed to offer same day insurance to you.
What is the penalty for driving without auto insurance in Maine?
If you drive without car insurance in Maine, then you’re risking a suspended registration, a reinstatement fee, and a fine from $100-$500.
What insurance coverage do I need for a financed car in Maine?
Maine doesn’t have any state laws about the insurance coverage you need when you finance a car beyond the state legal minimum. However, your car financing company may have additional insurance requirements as part of the loan. In the mean time you can compare quotes and look for cheap car insurance with no deposit.
What happens when you get caught without auto insurance in Maine?
You can face many different penalties if you get caught without auto insurance in Maine. These can include up to 90 days in jail, the suspension of your registration, and a fine ranging from $100 to $500.
In Maine, are you required to show insurance when renting a car?
You’ll need to provide your insurance policy information when you make a rental car reservation. However, you can get rental insurance from the rental car company or through your credit card as well as the coverage you get from your standard auto policy.
In Maine, how old do you have to be to get car insurance?
There’s no set minimum age for insurance in Maine. However, most insurance companies want someone to be at least 16 before they offer them a policy.
Do you need to show any insurance when registering a car in Maine?
Yes, when you register your car you’ll need to show that you have insurance which meets the state mandated minimum coverage.
When is a car a classic for Maine insurance?
Maine considers a classic car to be anything that’s over 20 years old and has a limited amount of mileage driven per year. See if you also qualify for senior citizen auto insurance discounts. In the meantime check out the best classic car insurance reviews we put together.
Can you report someone who doesn’t have car insurance in Maine?
You can inform the police department of the situation, however, they may or may not choose to get involved depending on the circumstances.
Do you need car insurance when you have a learner's permit in Maine?
Not usually. Your instructor’s car insurance should cover you. However, if your instructor is a family member, then you’ll want them to check their policy to be sure first.
How long can your children be on your auto insurance policy in Maine?
There’s no set age limitation for how long your children can be on your car insurance, unlike health insurance. However, your child needs to live at home with you or have home as their permanent address while they’re going to school.
What amount of bodily injury insurance for auto is needed in Maine?
The state of Maine requires you to have $50,000 per person and $100,000 per accident for bodily injury and death coverage.
What is the Maine law for married couple car insurance?
There’s no state mandated law for how insurance has to deal with a married couple in Maine. However, many companies offer discounts for married couples as their own policy. However veteran car insurance is even cheaper.
When to add teen to car insurance in Maine?
You should add a teen to your car insurance as soon as they get their driver’s license. That way you can be confident they’re protected when they’re driving.
What is the minimum car insurance coverage in Maine with a financed vehicle?
The state of Maine doesn’t have any minimum car insurance difference between a financed vehicle and one you own outright, but your financing company may impose additional insurance requirements as part of the loan. Related: Can you get full coverage insurance on a salvage title?
When you lease a car in Maine do you need insurance?
Yes, you need insurance to operate any car you drive in the state of Maine. The insurance has to meet the state’s minimum standards as well as any private contractual agreements you have.
What are car insurance requirements to drive for Uber in Maine?
The insurance requirements in Maine to drive for Uber are higher than the standard state legal minimum. They include $1 million for bodily injury and death while engaged in a pre-arranged ride, state minimum requirements while you’re logged into the network but not actively taking a passenger, and at least $2,000 in medical payment coverage at all times. Learn more: How much is rideshare insurance?
How to get temporary auto insurance in Maine?
You don't really get temporary insurance when you need short term coverage. What normally happens is you just get a 6 month policy and cancel whenever you don't need it anymore. Although this may not be as cheap as you would like since there will likely be cancellation fees. You could also transfer the policy to a different vehicle.
Maine Car Insurance Prices
Nobody likes to pay too much for car insurance. This section will answer your questions about car insurance prices in Maine.
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What is the average cost of car insurance in Maine?
The average annual rate for car insurance in Maine is $617 per year – nearly 30% less than the average American pays for car insurance. You can also take a look at the average auto insurance cost by age.
What is the state of Maine mandated discount on auto insurance for smart driver course?
Drivers can take a driving safety course to get a state mandated discount on their car insurance. Classes usually cost $15-$20 and the discount lasts for 3 years.
How long will a DUI affect your high risk car insurance rates in Maine?
A DUI will affect your car insurance prices in Maine for at least five years. The state will keep the conviction on your record for 10 years. Someone also recently asked us how Ohio SR22 rates compare to Maine and we were able to put them in touch with an insurance agent that could better assist them.
How much does it cost to get car insurance after 3 DUIs in Maine?
A first DUI in Maine will cause your sr22 insurance cost to go up by an average of $426. Your prices after 3 DUIs will likely be much higher.
How much is car insurance for young drivers in Maine?
Drivers between the age of 16 and 19 will pay an average rate of $3,528 per year for car insurance, which is about $1,400 less the teen drivers pay nationally.
How much does liability insurance cost for a car in Maine?
Generally, liability only insurance for main drivers will cost about $617 per year, which is far cheaper than the national average. This can be considered low income auto insurance for those not able to afford full coverage.
How much is full coverage auto insurance in Maine?
Maine defines full coverage as coverage that meets the state legal minimums. On average, drivers pay about $617 per year to get coverage. You can get affordable full coverage auto insurance when you compare quotes.
What is the cheapest car insurance in Maine?
That depends what you’re looking for – Geico has the lowest rates for minimum coverage, low mileage drivers, and good drivers. State Farm is cheapest for those with poor credit and drivers with one at fault crash. Finally, Concord Group Insurance ranks second in nearly every category. Start with car insurance comparison sites such as this one to acquire the top rates.
How long does it take for car insurance to lower after car accident Maine?
This could be anywhere from 3 to 7 years, depending on the nature of the accident and what tickets where issued in relation to the accident.
How to get the cheapest auto insurance possible Maine?
The best way to get the cheapest auto insurance possible in Maine is to use a price comparison tool. That way you can see what the actual cost of insurance will be for you. As a result, you don’t need to worry about price differences because of your address, car, driving record, etc. Learn more: What is the best and cheapest car insurance?
Why is Maine car insurance so expensive?
Maine car insurance actually isn’t expensive at all. In fact, on average, a Maine driver pays about 30% less for car insurance than the national average. Sometimes going with a local agency can get you the best rates. You can easily locate these by searching local car insurance companies near me.
Who has the least expensive auto insurance in Maine?
That depends on what your situation is. Concord Group Insurance ranks well for drivers in any category, while Geico has the best rates for low mileage, minimum coverage, and good drivers. State Farm has the lowest rates for people with poor credit and one at fault crash. Some claim to offer dollar a day car insurance however be sure to check the fine print.
How much is car insurance in Maine for teens?
On average, the cost of car insurance for a teen in Maine on their own policy is about $3,528 per year, although this can be lowered by going on a parent’s insurance. See more: How much is car insurance for a 18 year old female per month?
What type of motorcycle insurance should I get?
The type of motorcycle insurance you should get depends on your needs. You should talk to a few motorcycle insurance companies and see what they say. It could be very different depending on where you live.
Maine Car Insurance Claims and Coverage
It can be hard to understand how insurance works in specific circumstances, this section looks at how car insurance claims and coverage works in Maine. The trick to finding cheap auto insurance for teenager drivers is to get a quote from a number of different companies and then talk to them and negotiate.
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What happens in Maine if you hit a car and you have no insurance?
You’ll face personal liability for any damages you’re at fault for. You’ll also have to pay a fine and a reinstatement fee, as well as other penalties depending on the nature of the accident.
How much does auto insurance pay for medical expenses in Maine before claim is closed?
That depends on your specific policy. The first number in your policy is the personal injury protection limit. The insurance company will pay up to that amount per person. The second number is the personal injury per accident limit, and the insurance company will pay up to that amount per accident.
How does car insurance settlement work in Maine?
In Maine, a car insurance settlement is fairly simple. Your insurance company and the other interested parties will reach an agreement about who will pay for what damages and how much they’ll pay.
For a car accident injury, whose insurance pays in Maine?
Generally, the person who’s at fault or their insurance company will pay. Your insurance may pay if you’re hit by an uninsured motorist or in other situations.
Other Maine Car Insurance Questions
This section covers some questions that don’t fit into our other categories.
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Should I decline additional insurance when renting car in Maine?
That depends on your situation. Most people decline additional auto insurance when renting. Your credit card may provide additional insurance coverage for you, but your standard car insurance policy will provide primary protection.
How to file a complaint against auto insurance company in Maine?
You can file a complaint against a car insurance company by contacting the Maine Bureau of Insurance. They handle complaints regarding insurance companies.
