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Cheap Car Insurance Full Coverage Near Me – The cheapest car insurance companies in Maine are Auto-Owners, Geico and State Farm. The difference between the cheapest and most expensive car insurance in Maine is $1,358 a year, so it pays to compare quotes.
According to our national cheap car insurance survey, Maine is the 11th cheapest state for car insurance. Maine is one of the best states for cheap auto insurance because it has a high percentage of rural residents, a low population density, and the lowest percentage of uninsured drivers in the country. These factors lower insurance costs due to fewer drivers on the road, fewer accidents and claims, and lower costs for insurance providers.
Cheap Car Insurance Full Coverage Near Me
Car insurance in Maine would be even cheaper if it weren’t for the state’s very high minimum coverage requirements. In addition to higher-than-average liability limits, Maine also requires drivers to have uninsured motorist coverage and MedPay coverage. More coverage costs more money, and some companies charge more than others for the same coverage. Many Maine drivers can save up to $1,358 a year or more by simply shopping around and choosing one of the cheapest rates listed. .
Full Coverage Car Insurance Defined
To make the effort easier, we analyzed quotes from all major insurers using multiple driver profiles and zip codes across the state and found the cheapest car insurance companies in Maine – both overall and for different types of drivers. You can check out our recommendations below. , as well as compare the cheapest options with the best general auto insurance companies in Maine to make sure you find the best one for your specific needs.
Geico has the cheapest auto insurance in Maine for most good drivers. Insurers consider drivers who have never been in an accident or received a license to be good drivers and will pay less for insurance than drivers with poor records. In addition to low rates, good drivers often receive additional discounts from their insurance company.
The cheapest auto insurance company in Maine is Auto-Owners, with an average premium of $62 per month , although Geico and State Farm are also among the cheapest. These companies offer the lowest average premiums for Maine drivers looking for comprehensive auto insurance.
Full coverage refers to a policy that exceeds the state’s minimum requirements. Because full coverage protects you in more situations, it costs more than minimum coverage.
How Often You Should Shop For Car Insurance
Most drivers’ insurance rates can go up for 3-5 years after a speeding ticket. It’s important to remember that each insurance company calculates rates differently, so you should always get multiple quotes to make sure you’re getting the best deal.
A single at-fault accident will usually negatively affect your insurance for 3-5 years as insurers consider you a high risk individual. Because of your higher rates, comparison shopping is even more important.
A low credit score often marks drivers as a higher risk, so insurers typically charge them more for coverage. However, because insurers use different formulas to calculate premiums, bad credit can affect your rates with one company more than another. Since each insurance company treats credit differently, it’s worth comparing quotes.
Because young drivers have less experience behind the wheel, insurers charge them higher premiums than more mature drivers. On average, most drivers’ rates decrease as they get older, and drop significantly after they reach age 25. Cheapest car insurance in Maine for older drivers
Cheap Full Coverage Auto Insurance For 2023
Although mature drivers pay less for car insurance than teenagers, older drivers start to see their rates rise as they enter their senior years. Comparing auto insurance rates can save older drivers hundreds of dollars a year.
Drivers with a DUI on their record tend to have a much higher rate than drivers with a clean driving record or people with less serious past offenses. A DUI typically affects your insurance rates for 3 to 10 years, but a violation can stay on your driving record for much longer.
To identify the cheapest post-DUI insurance companies, low rates for a 45-year-old single man, minimum coverage, one DUI and good credit among major insurers.
Married drivers usually enjoy cheaper car insurance rates than single drivers. Car insurance companies generally consider married drivers to be more responsible and have fewer risks to insure. To help married drivers lower insurance costs even more, major insurance companies reduced rates for a 45-year-old married man with minimal coverage, a clean driving record and good credit.
How Much Is State Farm Car Insurance? (2023)
The cheapest auto insurance company in Maine is Auto-Owners, which charges an average of $47 per month for the state’s minimum coverage. In addition to being the cheapest car insurance provider for Mainers overall, it’s the cheapest choice for several specific categories, such as comprehensive and good driver insurance.
5 Tips for Getting Cheap Car Insurance in Maine 1. Compare quotes from both state and regional insurers
Don’t forget to include local insurance companies in your search for cheap car insurance. In Maine, regional insurers such as Amica Mutual and Hanover may have lower customer satisfaction ratings than national companies such as State Farm, Geico and Allstate, in addition to comparable customer satisfaction ratings.
Everyone knows that your driving habits and damage history affect how much you pay for car insurance. But in Maine, companies may also consider your age, gender, credit history, marital status and more when determining premiums. The price of insurance is affected by the car you drive, your annual mileage and even some factors beyond your control.
Differences Between Full Coverage, Liability Car Insurance
You need liability insurance to pay for damages caused to another driver if you are at fault in an accident in Maine. Collision and comprehensive coverage, on the other hand, are optional and may not be necessary if you have an older car. Usage-based insurance may be a better fit for low-mileage drivers than a standard policy, and insurance with higher deductibles or lower insurance limits will also cost less. Don’t skimp on the coverage you need, but make informed choices. That way, you won’t pay more for car insurance than you need to.
The best car insurance companies in Maine have a variety of discounts, so almost anyone can find ways to save. You may be able to get a discount if you’re a student, veteran, good driver, homeowner, ready to go paperless, and more.
If you let your insurance lapse, you’ll see higher rates, even if you don’t own a car. Maine drivers who do not maintain continuous coverage pay an average of 6% more than those with five or more years of insurance experience.
Analysis of cheap car insurance companies in Maine is based on data from the Maine DMV and Quadrant Information Services. Along with this data, it used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car insurance companies for Maine drivers across a set of key categories. For each profile, quotes from the best Maine auto insurance companies were cut by taking average premiums from 30 zip codes representing at least 20% of Maine’s population. Military-specific companies such as USAA were only considered for the military-specific category due to their eligibility restrictions. . In some cases, however, they may be the best choices overall for eligible drivers.
Compare Car Insurance Rates Side By Side In 2023
In the table below, you can see all the profile characteristics that were used in the analysis, in addition to the specific subset of characteristics that make up our Good Leader Profile.
Clean, one speeding ticket, one at-fault accident, one DUI, suspended license, open container, red light violation, reckless driving, one not-at-fault accident
If driver profiles are not specified, Maine insurance quotes are averaged across 40 different driver profiles using the above variables. Citation information is provided by Quadrant Information Services and is indicative only. Individual prices vary.
Finding the cheapest car insurance in Maine can be difficult. But you have a knowledgeable community on your side. Other consumers have a lot of knowledge to share and we encourage everyone to do so while following our content guidelines.
Usaa Car Insurance Review For 2022
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