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Maine Auto Insurance Companies

Here's what you need to know...
  • Maine car insurance laws require every vehicle owner to carry liability insurance, uninsured motorists and medical payments coverage
  • It is important that you compare car insurance quotes before purchasing a new policy
  • The average car insurance premium in Maine is $1,009.88

Auto insurance is important to protect your car and your family. When choosing a car insurance company, you have many choices throughout the state of Maine. It is helpful to compare different car insurance companies so that you know you are getting the best value.

Know what types of car insurance coverage you need for your automobile before you begin shopping for insurance. Maine car insurance laws require every vehicle owner to carry liability insurance, uninsured motorists and medical payments coverage.There are minimum amounts required for Maine car insurance.

There are minimum amounts required for Maine car insurance.

Compare car insurance quotes today for free with our quote comparison tool!

Types of Car Insurance Coverage

adobestock_44203188-1600x1600Most auto liability insurance policies cover insurance for bodily injury, liability for property damage and uninsured motorist coverage.

  • Bodily injury liability insurance protects other people if you are in an accident. If you cause an accident and other people are injury, this type of insurance protects you against claims. By choosing your coverage, you can determine the maximum amount that your insurance company will pay for other injured parties in an accident. In Maine, you must have a minimum of $50,000 per person/$100,000 per accident.
  • Property damage liability pays for any damage that you cause to property during an accident, such as to another car or to a fence or telephone pole.
  • Uninsured motorist coverage is required by Maine law. This type of insurance applies when you are injured by another driver who cannot be identified or does not have liability insurance.

If your car is older and paid in full, you may only need liability coverage which will cover any other car that you get into an accident with.

Liability has different limits depending on what you need. If you are unsure, talk to a car insurance agent in Maine. However, it is better to have too much coverage than not enough coverage.

Many cars on the road in the state of Maine are newer.

In these cases, you will need more insurance coverage. Collision and comprehensive car insurance coverage are required by most lien holders if you are making car payments or leasing your vehicle.

Car Insurance Rates

adobestock_38113283-1600x1600When you compare car insurance, you will need some information to get your free car insurance quotes. Auto insurance quotes need information like your driving record, prior insurance and how long you have been licensed.

Auto insurance rates are determined in Maine by several factors.

Insurance companies look at:

  • Your driving record
  • Your gender
  • Your age
  • Your marital status.
  • The age you were when you were first licensed
  • Your ZIP code
  • The make and model of your vehicle
  • Past claims
  • Credit history
  •  Annual mileage

Maine offers different auto insurance companies, from large companies to small local insurers. The average car insurance premium in Maine is $1,009.88. This is lower than the national average and will vary greatly depending on your coverage. There are many car insurance companies in Maine to compare to because of the low accident rates.

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Maine Car Insurance Companies

  • State Farm is the largest personal insurer in the United States. They offer car insurance in Maine, along with homeowner’s insurance, rental insurance and life insurance. State Farm has agents in offices throughout the state so that you can personally talk to your agent when you need to. If you bundle your services and insure other property with the same company, you can be eligible for discounts.
  • Allstate is the second largest personal insurance company in the United States. Like State Farm, they have agents throughout Maine to help you purchase the best car insurance. Along with car insurance, Allstate offers homeowners, rental and other types of insurance.
  • GEICO and Progressive are two discount auto insurance companies that provide various types of insurance in Maine. These companies advertise having lower prices than traditional insurance companies. They do the majority of their business online or on the phone, however there are some agents in various towns throughout Maine.
  • Nationwide is large insurance company that also offers car insurance in Maine.

Some other large car insurance companies include Farmers, Citizens, AIG, Liberty Mutual, Hanover and Hartford.

Car Insurance Requirements in Maine

Maine state car insurance law requires that every auto insurance company offers discounts for drivers over the age of 55 who have completed a motor vehicle accident prevention course.

There are a variety of other car insurance discounts available to all drivers.

Many insurers offer discounts for multiple vehicles if you insure more than one vehicle with the same company. Other discounts include good driver discounts, safety course, safety devices or anti-theft devices on your car and low annual mileage discounts.

Maine Car Insurance Quotes

adobestock_31832414-1600x1600Comparison shopping can help you find the best coverage and price for your auto insurance. The Internet makes comparison shopping easier than ever. There are different websites to help you easily compare car insurance rates in Maine.

You can also go to some of the major insurers throughout Maine and enter your information to receive auto insurance quotes for each company. Talk to your family and friends to find out what company they use for their auto insurance.

However, keep in mind that there are many variations when determine car insurance costs.

Someone you know may have a cheap rate through a specific company but you might not get the same rate.

Because there are over 70 car insurance companies in the state of Maine, it is important that you compare car insurance quotes before purchasing a new policy.

You might think you are getting the best rate by staying with your insurance company, but a variety of factors affect rates. You should shop around for a new policy every couple of years to get the best price.

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