Maine Insurance Agencies by County

How to Lower Your Car Insurance in Maine (And How Insurance Companies Score You)

Trying to cut the cost of car insurance in Maine? Whether you’re commuting near Portland, driving in Bangor, or traveling rural roads and coastal highways, there are smart ways to keep premiums low. This overview explains how Maine insurers evaluate drivers — and what you can do to save money.

How Car Insurance Companies in Maine Score You

• Driving history – Accidents, tickets, DUIs, and prior claims can raise your rate.
• Credit score – Maine allows credit-based insurance scoring; better credit often means better pricing.
• Location – Higher traffic areas can have higher claim frequency, while rural areas may differ.
• Vehicle type – Repair costs, safety ratings, and theft risk impact premiums.
• Annual mileage – Driving fewer miles may qualify for discounts.
• Coverage choices – Higher limits and full coverage cost more; higher deductibles typically lower monthly premiums.

10 Ways to Lower Your Car Insurance in Maine

1. Compare quotes from multiple insurers.
2. Bundle auto with home or renters insurance.
3. Maintain good credit.
4. Increase deductibles if financially comfortable.
5. Ask about telematics or usage-based programs.
6. Check all discounts (safe driver, multi-car, homeowner, good student, paid-in-full, autopay).
7. Consider liability-only on older vehicles.
8. Choose vehicles with lower repair costs and strong safety ratings.
9. Avoid coverage lapses.
10. Re-shop every 6–12 months.

Maine Minimum Auto Insurance Requirements

Maine generally requires at least 50/100/25 in liability coverage — $50,000 bodily injury per person, $100,000 per accident, and $25,000 property damage per accident. Uninsured/underinsured motorist coverage is also typically required. Many drivers choose higher limits for better protection.

Winter Weather, Deer, and Comprehensive Coverage

Maine drivers face snow/ice, deer collisions, and coastal storms. Comprehensive coverage can help protect your vehicle from non-collision damage such as theft, vandalism, falling objects, and weather-related damage.

Use the county list above to explore local insurance agencies in your area and compare options side-by-side.