Best Portland, Maine Auto Insurance in 2024 (Compare the Top 10 Providers)
Check out the best Portland, Maine auto insurance options with Geico, USAA, and State Farm, featuring premiums starting at $45/month. These companies offer extensive online tools, and personalized local agent support, making them top choices for Portland residents seeking personalized coverage and assistance.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Oct 25, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Look into the best Portland, Maine auto insurance from Geico, USAA, and State Farm, with rates as low as $45/month.
This guide provides a comprehensive overview of the average auto insurance cost per month in the area, highlighting key factors that influence rates.
Keep reading and find essential information on coverage options, discounts, and tips for choosing the right policy to meet their needs. If you’re trying to lower your insurance costs, this article will help you make the right choices.
Our Top 10 Company Picks: Best Portland, Maine Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 25% A++ Competitive Pricing Geico
#2 10% A++ Military Savings USAA
#3 17% B Cheap Rates State Farm
#4 25% A Customizable Policies Liberty Mutual
#5 10% A+ Usage-Based Discounts Progressive
#6 5% A+ Senior Benefits The Hartford
#7 20% A+ Broad Coverage Nationwide
#8 20% A Established Network Farmers
#9 25% A+ Premium Features The Allstate
#10 25% A Customer Satisfaction American Family
Enter your ZIP code above into our free comparison tool to see how much car insurance costs in your area.
- The best Portland, Maine auto insurance providers is Geico
- Understand factors that influence auto insurance rates in Portland
- Get tips to secure competitive premiums and maximize coverage
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#1 – Geico: Best for Competitive Pricing
Pros
- Competitive Pricing Champion: Offers Portland residents affordable full coverage at $156 monthly, appealing to budget-conscious Maine drivers.
- Multi-Policy Savings: Explore our Geico auto insurance review as we explore how bundling auto and home insurance can get Portland homeowners save up to 25%.
- Tech-Savvy Solutions: User-friendly mobile app and online platform cater to Portland’s tech-savvy population for easy policy management.
Cons
- Limited Local Presence: Fewer physical offices in Portland may not satisfy Maine residents preferring face-to-face interactions.
- Potential for Higher Rates: Rates for Portland drivers with accidents may increase more sharply than other insurers.
#2 – USAA: Best for Military Savings
Pros
- Unbeatable Military Rates: Lowest monthly premium of $120 for full coverage in Portland, ideal for military personnel. (Learn More: USAA Auto Insurance Review)
- Superior Customer Service: Portland residents report high satisfaction with personalized attention to Maine’s unique insurance needs.
- Comprehensive Military Benefits: Specialized coverage for Portland-based service members, including protection for uniforms and deployment-related concerns.
Cons
- Exclusive Eligibility: Limited to military members, veterans, and families, excluding many Portland residents from competitive rates.
- Limited Local Offices: No physical branches in Portland, potentially lacking face-to-face interactions for complex insurance matters.
#3 – State Farm: Best for Cheap Rates
Pros
- Affordable Portland Rates: Full coverage rate of $140 monthly ranks among the most competitive in Portland.
- Extensive Local Network: Numerous agents throughout Portland provide personalized service and local expertise on Maine’s insurance requirements.
- Generous Bundle Discounts: Portland residents save up to 17% by bundling auto and home insurance with State Farm. Learn more in our State Farm auto insurance discounts.
Cons
- Higher Minimum Coverage: Minimum coverage rate of $55 monthly in Portland is slightly above average.
- Limited Usage-Based Options: Usage-based program may offer less savings potential for low-mileage Portland drivers.
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#4 – Liberty Mutual: Best for Customizable Policies
Pros
- Customization Kings: Offers Portland drivers the most flexible policy options tailored to Maine’s unique driving conditions.
- New Car Replacement: Standout feature for Portland residents, protecting investments in Maine’s challenging driving conditions.
- RightTrack Savings: As mentioned in our Liberty Mutual auto insurance review, Portland drivers save up to 30% with a usage-based program, ideal for Maine’s diverse roads.
Cons
- Premium Pricing: Highest full coverage rate at $160 monthly may be too expensive for budget-conscious Portland drivers.
- Complex Policies: Numerous customization options may overwhelm Portland residents unfamiliar with Maine’s specific insurance requirements.
#5 – Progressive: Best for Usage-Based Discounts
Pros
- Usage-Based Savings: Snapshot program offers Portland residents savings based on driving habits. Learn more about this program in our Progressive auto insurance review.
- Competitive Rates: Full coverage rate of $135 monthly is below Portland’s average, offering affordable protection.
- Name Your Price Tool: Unique tool helps Portland residents find policies fitting their budget while meeting Maine requirements.
Cons
- Rate Increase Risk: Snapshot program may increase rates for Portland drivers not meeting Maine safe driving standards.
- Average Satisfaction: Mid-range customer satisfaction in Portland suggests potential issues with claims handling or service.
#6 – The Hartford: Best for Senior Benefits
Pros
- Senior-Friendly Policies: Specialized coverage and discounts for Portland’s senior drivers, catering to Maine’s aging population.
- AARP Member Benefits: Explore our The Hartford auto insurance review, which offers exclusive discounts and tailored coverage options for Portland’s AARP members.
- Lifetime Renewability: Peace of mind for Portland’s older drivers with guaranteed coverage meeting basic requirements.
Cons
- Higher Rates: Full coverage rate of $150 monthly in Portland may be pricier for non-AARP members.
- Limited Youth Appeal: Focus on senior benefits may be less attractive to younger Portland residents.
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#7 – Nationwide: Best for Broad Coverage
Pros
- Comprehensive Options: Offering a lot of coverage, which you can check in our Nationwide auto insurance review tailored to Maine’s diverse driving needs.
- Annual Policy Reviews: Portland policyholders benefit from yearly reviews to match Maine’s changing insurance landscape.
- Vanishing Deductible: Rewards safe Portland drivers by reducing deductibles over time on Maine’s unpredictable roads.
Cons
- Above-Average Rates: Full coverage rate of $142 monthly is pricier for Portland drivers compared to competitors.
- Mixed Service Reviews: Some Portland policyholders report challenges with claims process on Maine’s busy streets.
#8 – Farmers: Best for Established Network
Pros
- Established Portland Network: Long-standing presence provides local agents with deep knowledge of Maine’s insurance needs.
- Declining Deductibles: Portland drivers benefit from reduced out-of-pocket expenses over time for claim-free Maine driving.
- Unique Maine Add-Ons: Specialized coverages like rideshare insurance cater to Portland’s diverse driving population.
Cons
- Higher Premiums: Full coverage rate of $155 monthly is expensive for Portland drivers seeking comprehensive protection.
- Complex Discounts: Portland residents may find it challenging to maximize savings on Maine policies. (Learn More: Farmers Auto Insurance Review)
#9 – Allstate: Best for Premium Features
Pros
- Premium Portland Features: High-end options like new car replacement suit Portland residents navigating Maine’s diverse conditions.
- Drivewise Savings: Portland drivers save up to 40% with usage-based insurance, ideal for safe Maine road habits.
- Strong Local Presence: Extensive Portland network ensures personalized service and local expertise for Maine drivers as mentioned in our Allstate auto insurance review.
Cons
- Higher Rates: Full coverage rate of $156 monthly is among the priciest for Portland’s comprehensive protection.
- Potential Increases: Some Portland policyholders report significant hikes after claims on Maine’s challenging roads.
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#10 – American Family: Best for Customer Satisfaction
Pros
- High Customer Satisfaction: Consistently ranks high among Portland drivers, offering personalized service for Maine’s needs.
- MyDrive Benefits: Portland residents save up to 20%, rewarding safe driving on Maine’s diverse roads.
- Generous Bundles: Up to 25% savings for Portland homeowners combining auto and home insurance in Maine.
Cons
- Limited Availability: Services may not be as widely available in Portland compared to national competitors. To check their availability read our American Family auto insurance review.
- Average Full Coverage: $145 monthly for full coverage in Portland is mid-range, potentially less appealing for bargain hunters.
Comprehensive vs. Minimum Auto Insurance in Portland, Maine
The table below provides a clear comparison of monthly auto insurance rates from various providers in Portland, Maine, based on two levels of coverage: minimum and full. For residents of Portland, ME, this information is invaluable in helping them choose the most cost-effective insurance option tailored to their needs.
Portland, Maine Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$63 $156
$58 $145
$61 $155
$50 $130
$65 $160
$56 $142
$53 $135
$55 $140
$60 $150
$45 $120
For those looking for minimum auto insurance coverage, USAA offers the most affordable rate at $45 per month, making it an excellent choice for budget-conscious drivers. Geico also presents a competitive option at $50 per month. On the other hand, Liberty Mutual is the most expensive for minimum coverage at $65 per month.
For full coverage, USAA again stands out with the lowest rate of $120 per month, followed by Geico at $130 per month. Liberty Mutual is the highest at $160 per month. These insights enable Portland residents to make informed decisions based on their budget and desired coverage level, ensuring they get the best value for their money.
How Various Factors Shape Auto Insurance Rates in Portland, ME
Auto insurance rates in Portland, Maine, are influenced by factors such as commute time, traffic congestion, and local theft rates. The average commute in Portland is 19 minutes, and the city ranks 115th globally for traffic congestion.
While vehicle theft rates are lower than the national average, weather-related risks are moderate due to winter conditions. Demographics, driving records, credit history, and ZIP codes also significantly affect insurance premiums.
This report card looks at the important things that influence car insurance premiums in Portland, Maine. It shows how the city stands in different areas.
Portland, Maine Report Card: Auto Insurance Premiums
Category Grade Explanation
Average Claim Size B Claims are generally average compared to other cities in Maine.
Vehicle Theft Rate B Lower-than-average vehicle theft rate compared to national levels.
Traffic Density B Medium traffic density, with manageable congestion during peak hours.
Uninsured Drivers Rate B Slightly below-average rate of uninsured drivers compared to national levels.
Weather-Related Risks C Moderate risk due to winter snowstorms and icy road conditions.
Overall, Portland’s auto insurance landscape reflects a balance of manageable risks and competitive premiums. Understanding the auto accident and insurance claim statistics in Portland can help residents make informed decisions about their insurance. The following statistics provide an overview of auto accidents and insurance claims in Portland:
Portland, Maine Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Accidents per Year | 900 |
| Average Claim Cost | $5,500 |
| Claims per Year | 700 |
| Percentage of Uninsured Drivers | 12% |
| Traffic Density | Medium |
| Vehicle Theft Rate | 150 thefts/year |
| Weather-Related Incidents | High |
Knowing about things like how busy the roads are and how often the weather causes problems can help people pick the best insurance to keep them safe while driving.
Driving History and its Effect on Auto Insurance in Portland, ME
This table shows how full coverage auto insurance rates stack up in Portland, Maine, depending on driving records from different insurance companies.
Portland, Maine Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | Clean Record | One Accident | One Ticket | One DUI |
|---|---|---|---|---|
| $114 | $149 | $127 | $155 |
| $90 | $133 | $104 | $145 |
| $123 | $169 | $155 | $140 |
| $43 | $70 | $43 | $119 |
| $126 | $164 | $145 | $331 |
| $93 | $128 | $110 | $185 |
| $100 | $205 | $134 | $120 |
| $65 | $76 | $70 | $70 |
| $67 | $78 | $90 | $101 |
| $43 | $57 | $47 | $79 |
Rates vary significantly, with Geico and USAA offering the lowest premiums for clean records and Liberty Mutual having the highest rates for drivers with a DUI.
Evaluating Auto Insurance in Portland, ME by Credit Background
For Portland, Maine residents, credit scores play a significant role in determining full coverage auto insurance rates. Those with good credit can expect lower premiums, with USAA offering some of the most affordable rates at $96 per month.
Portland, Maine Full Coverage Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Good Credit | Fair Credit | Poor Credit |
|---|---|---|---|
| $116 | $156 | $196 |
| $111 | $151 | $191 |
| $126 | $166 | $206 |
| $101 | $141 | $181 |
| $136 | $176 | $216 |
| $106 | $146 | $186 |
| $121 | $161 | $201 |
| $116 | $156 | $196 |
| $131 | $171 | $211 |
| $96 | $136 | $176 |
In contrast, residents with poor credit may see higher costs, particularly from companies like Travelers and Liberty Mutual, which charge $211 and $216, respectively. Understanding these differences can help Portland drivers make informed choices about their insurance options.
Impact of ZIP Codes on Auto Insurance Rates in Portland, ME
In Portland, Maine, the cost of auto insurance changes from one ZIP code to another. To understand how location influences these rates, look closely at the monthly costs of car insurance across the different ZIP codes in the city.
Portland, Maine Full Coverage Auto Insurance Rates by ZIP Code
| ZIP Code | Monthly Rates |
|---|---|
| 4101 | $199 |
| 4102 | $192 |
| 4103 | $197 |
| 4109 | $191 |
For those with good credit, USAA offers the lowest monthly premium at $96, followed by Geico at $101. With fair or poor credit, premiums increase across all providers, with Liberty Mutual charging $176 for fair credit and $216 for poor credit. Understanding how credit scores impact premiums can help Portland residents choose cost-effective insurance and take steps to improve their credit.
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Auto Insurance Savings Offered in Portland, Maine
The table showcases the different discounts available from leading auto insurance companies in Portland, Maine, helping residents find opportunities to reduce their premiums. For instance, numerous providers such as, Geico, State Farm, and Liberty Mutual provide good student auto insurance discounts, which can be especially advantageous for families with high-achieving young drivers.
Auto Insurance Discounts From the Top Providers in Portland, Maine
Insurance Company Available Discounts
Multi-Policy, Safe Driver, New Vehicle, Anti-Theft Device, Good Student, Drivewise
Multi-Policy, Safe Driver, Defensive Driving, Good Student, Loyalty, Low Mileage
Multi-Policy, Good Student, Safe Driver, New Vehicle, Signal (usage-based), Homeowner
Multi-Policy, Safe Driver, Good Student, Military, Anti-Theft Device, Defensive Driving
Multi-Policy, Early Shopper, Good Student, Homeowner, New Vehicle, Accident-Free
Multi-Policy, Accident-Free, Safe Driver, Good Student, Defensive Driving
Multi-Policy, Snapshot (usage-based), Safe Driver, Good Student, Multi-Vehicle, Sign Online
Multi-Policy, Safe Driver, Good Student, Accident-Free, Anti-Theft Device, Drive Safe
AARP Member, Multi-Policy, Driver Training, Safe Driver, Vehicle Safety Equipment
Safe Driver, Multi-Policy, Military, New Vehicle, Driver Training, Family Legacy
Multi-policy discounts are widely available, encouraging residents to bundle their auto insurance with other policies for greater savings. Safe Driver discounts are another common offering, rewarding those with a clean driving record.
Understanding these available discounts allows Portland residents to choose the best provider for their needs and maximize their savings on auto insurance.Jeff Root LICENSED INSURANCE AGENT
Unique discounts, such as USAA’s military discount and The Hartford’s AARP member discount, cater to specific groups, ensuring personalized savings opportunities.
Before purchasing auto insurance in Portland, Maine, it’s essential to compare quotes from multiple companies to ensure you get the best rate. By entering your ZIP code below, you can receive free car insurance quotes in Portland, ME from various providers, helping you make an informed decision and potentially save money on your auto insurance.
Frequently Asked Questions
How much is auto insurance in Maine?
The average monthly auto insurance rate in Maine ranges from $45 to $150, depending on the level of coverage and personal factors like driving history, age, and location.
Does Maine require auto insurance?
Yes, Maine requires all drivers to carry auto insurance. The state mandates minimum liability coverage to ensure financial responsibility in the event of an accident. Find yourauto insurance quotes in Portland, ME by entering your ZIP code below into our free comparison tool.
Is Maine a no-fault auto insurance state?
No, Maine is not a no-fault auto insurance state. It follows a traditional fault-based system, where the at-fault driver is responsible for covering the damages and injuries resulting from an accident.
Why is car insurance so cheap in Maine?
Car insurance in Maine is relatively affordable due to the state’s low population density, fewer accidents, and lower rates of vehicle theft and claims compared to other states.
What is the best insurance company in Maine?
Geico, USAA, and State Farm are considered among the best auto insurance companies in Maine, offering competitive rates, excellent customer service, and a variety of coverage options.
Which state has the highest vehicle insurance rates?
Michigan typically has the highest vehicle insurance rates in the United States due to its no-fault insurance system and the high costs associated with medical coverage and claims.
What city has the highest car insurance rate?
Detroit, Michigan, often ranks as the city with the highest car insurance rates in the U.S., largely due to high crime rates, frequent claims, and Michigan’s no-fault insurance laws.
Can you insure a car in Maine without a license?
While it may be possible to insure a car in Maine without a license, it’s uncommon and can be more difficult. Insurers typically require a valid driver’s license to assess risk and set premiums.
Can I have out-of-state car insurance in Maine?
No, if you reside in Maine, your vehicle must be insured with a policy that complies with Maine’s insurance laws. Out-of-state policies are not accepted for vehicles primarily driven in Maine. For more information, read our article titled “Do you have to have auto insurance in every state?”
Do all cars in Maine need inspection?
Yes, all cars registered in Maine are required to undergo an annual safety inspection, and some vehicles must also pass an emissions inspection, depending on the county.
Explore your auto insurance options by entering your ZIP code into our free comparison tool below today.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.