Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Buying auto insurance in Maine doesn’t have to be expensive. There are many companies that sell different types of coverage at affordable rates. Statistics show that the car insurance rates in Maine are 25 percent lower than the nationwide average. Drivers pay approximately $121.27 on comprehensive coverage, $276.36 on collision coverage, and $366.08 on liability insurance. Read our Car Insurance Guide and enter your ZIP to compare car insurance companies!

Before you start shopping for car insurance in Maine, check the minimum car insurance coverage requirements. Bodily injury liability limits must be set at $50,000 per injured individual. If you live in Maine, you are required to have liability coverage equal to the amount of uninsured motorist coverage on your policy. Drivers under the age of 18 are not allowed to drive between certain hours, carry passengers under the age of 20, or use cellular phones while driving.

To help you find cheap car insurance coverage, we have compiled a list of top car insurance companies in Maine:

1. The Main Street America Group

Founded in 1923, The Main Street America Group is a national insurance provider that offers property and casualty insurance in 27 states, including Maine. The company has received an “A” rating from A.M. Best, the most experienced rating agency in the world. The Main Street America Group sells policies through more than 2,000 independent agents.

The company currently has over 600,000 policyholders. Customers can purchase personal insurance, business insurance, personal and commercial flood insurance, and surety bonds. For drivers, The Main Street America Group offers bodily injury liability, property damage liability, and uninsured/underinsured motorist coverage.

2. The Hanover Insurance Group

auto insurance

The Hanover Insurance Group is ranked among the top 25 insurers in the United States. The company was founded in 1852. It has an “A” rating from A.M. Best and an “A3” rating from Moody’s. Customers can purchase business car insurance, workers’ compensation insurance, personal and commercial car insurance, and inland marine coverage.

This car insurance provider sells flexible policies that can be customized to suit your individual needs. Drivers can purchase comprehensive and collision coverage, personal injury protection coverage, or roadside assistance insurance. They can choose from optional endorsements such as pet injury protection, 24 hour emergency roadside assistance, accident forgiveness, and customized equipment coverage.

3. American Modern

American Modern has been offering premium insurance products since 1965. This insurance provider is rated “A+” by A.M. Best. The company sells coverage for personal and commercial cars, boats, homes, watercrafts, collector vehicle, snowmobiles, vacation homes, and motorcycles.

With over 38,000 employees, American Modern is one of the largest insurers in the nation. The company specializes in collector car insurance. It also offers coverage or military vehicles, collector trucks, race cars, and classic motorcycles.

4. Amica Mutual

With over 100 years of experience, Amica Mutual sells comprehensive car insurance policies at competitive rates. The company ranks “Highest in Customer Satisfaction among National Auto Insurers, 12 Years in a Row.” Unlike other insurance providers, Amica Mutual doesn’t use agents to sell their policies. This allows them to offer reasonably priced policies for every budget.

Amica Mutual provides a wide range of services such as accident forgiveness, identity theft protection, full glass coverage, and prestige rental coverage. Customers can choose from several payment options.

5. Norfolk & Dedham

Established in 1825, Norfolk & Dedham offers quality property and casualty insurance solutions. The company holds an “A” raying from A.M. Best. Customers can opt for business insurance, workers’ compensation insurance, personal car insurance, and umbrella coverage. The company sells auto insurance in Maine and Massachusetts.

If you insure your car with Norfolk & Dedham, you might qualify for low mileage discounts, multi-car discounts, good student discounts, or advanced driver training discounts. When you compare auto insurance quotes online, make sure you ask about these special offers. Drivers can also purchase commercial car insurance for private passenger type vehicles and light and medium trucks.

6. Encompass Insurance

discount car insurance

Encompass has been in business since 1982. With more than 3,200 independent insurance agents and 1,750 employees, the company offers innovative coverage options, competitive prices, and locked-in rates for at least one full year. Statistics indicate that this auto insurance carrier has consumer satisfaction ratings of 95.6 percent.

The company offers discounts for good drivers, as well as for those who limit their annual mileage and install safety equipment to their cars. Customers benefit from senior driver rates, first accident forgiveness, young driver car insurance discounts, and bundling discounts.

7. Progressive

Founded in 1937, Progressive offers new and affordable insurance products. The company has received various awards, including the Webby People’s Voice Award for best auto insurance website in 2007 and Best of the Web for the Auto Insurance category in 2000. Progressive sells its policies online and through independent insurance agents.

Make sure you fill in the application form featured on the company’s website to get cheap car insurance quotes, discounts, and money-saving tips. Progressive offers multiple coverage options such as bodily injury and property damage liability, medical expenses coverage, comprehensive coverage, collision coverage, pet injury coverage, and rental reimbursement coverage.

8. Farmers

Farmers is one of the oldest and most trusted insurance providers in the United States. Established in 1928, the company specializes in automobile and homeowners insurance. It has over 20,000 employees and operates in 41 states. Farmers currently has more than 15 million customers.

If you are planning to buy car insurance in Maine, make sure you check out the coverage options available at Farmers. You can opt for liability insurance, collision insurance, no-fault insurance, comprehensive coverage, and customized equipment coverage. The company also provides insurance policies for collectible vehicles, including muscle cars, exotic cars, classic cars, and foreign sports cars.

9. Concord General Mutual

Concord General Mutual has been in the insurance industry for over eight decades. This multi-line insurer offers coverage for automobiles, homes, and businesses. The company rewards safe drivers who are at fault in a car accident if they have had no traffic violations on the last five years. Customers can also benefit from roadside assistance, young driver discounts, and loyalty bonuses.

10. Travelers

Junk Car

With over 13,000 independent agents and 30,000 employees, Travelers is one of the best rated insurance companies in the industry. Customers can buy personal and commercial insurance packages, including auto insurance, flood insurance, identity fraud protection coverage, and professional liability coverage.

A standard auto policy covers bodily injury liability, medical payments, collision with other cars, theft, fire, and injuries cause by uninsured/underinsured motorists. Drivers can also opt for auto loan and lease protection, replacement collision coverage, or auto death indemnity. Those who drive hybrid cars are entitled to massive discounts.

The car insurance providers listed above sell affordable car insurance policies that can be customized upon request. Use a quote comparison website to compare their offers and find an auto insurance plan that best suits your needs. Make sure you compare both the cost and the amount of coverage provided. Check the average car insurance rates in Maine, find out how much coverage you need, and then compare at least three quotes from different insurance companies. Compare car insurance rates with our ZIP code search!