Cheap Quotes for Portland, ME Car Insurance (2021)

Portland, Maine car insurance rates average $225 a month and Maine law requires coverage of at least 50/100/25. By comparing rates from multiple Portland, ME companies, you can find cheap Portland car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Portland, ME after a DUI are $3,198/year
  • Average car insurance rates in Portland, ME for senior drivers are $1,569/year
  • The cheapest car insurance company in Portland is USAA

How do the Portland, Maine monthly average car insurance rates of $225/month compare to nearby cities like Lewiston car insurance rates, Augusta car insurance rates, and Sanford car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Portland, ME.

We’ll cover the Maine minimum coverage requirements, Maine car insurance laws, and Portland, ME statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Portland, Maine companies to find the most affordable Portland car insurance rates.

Enter your ZIP code above to find cheap Portland, ME car insurance quotes today.

What are the minimum Portland, ME car insurance requirements?

To meet Maine minimum car insurance coverage requirements, Portland, ME drivers need to carry at least 50/100/25 coverage.

Minimum Required Car Insurance Coverage in Portland, Maine

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $50,000 per person
$100,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Average Portland, ME Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Portland, ME you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Portland, Maine

ZIP Code Average Annual Rates
4101 $2,384
4102 $2,307
4103 $2,361
4109 $2,288

How do age, gender, and marital status affect Portland, ME car insurance rates?

Three of the criteria that most affect car insurance rates in Portland, Maine are age, gender, and marital status. Let’s take a look at how each of these stack up with top Portland car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Portland, Maine

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,757 $1,807 $1,588 $1,719 $4,498 $6,003 $1,902 $2,122
Farmers $1,811 $1,826 $1,715 $1,822 $6,171 $6,688 $2,168 $2,237
GEICO $1,002 $1,038 $1,002 $1,002 $2,480 $3,220 $1,094 $1,165
Liberty Mutual $3,103 $3,103 $2,958 $2,958 $6,517 $9,720 $3,103 $4,343
Progressive $1,831 $1,792 $1,831 $1,792 $7,754 $8,705 $2,130 $2,401
State Farm $1,444 $1,444 $1,373 $1,373 $4,727 $5,906 $1,620 $1,769
Travelers $1,268 $1,308 $1,148 $1,174 $5,261 $7,120 $1,244 $1,420
USAA $843 $828 $839 $818 $2,784 $3,066 $1,068 $1,115

How much do teen drivers pay for car insurance in Portland, ME?

Portland, Maine car insurance rates for teens are often higher than rates for other drivers. Compare Portland car insurance rates from multiple Portland, Maine car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Portland, Maine

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $4,498 $6,003
Farmers $6,171 $6,688
GEICO $2,480 $3,220
Liberty Mutual $6,517 $9,720
Progressive $7,754 $8,705
State Farm $4,727 $5,906
Travelers $5,261 $7,120
USAA $2,784 $3,066

How much do senior drivers pay for car insurance in Portland, ME?

With a little research, seniors can find affordable car insurance in Portland, Maine. Here’s a look at how the top Portland car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Portland, Maine

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,588 $1,719
Farmers $1,715 $1,822
GEICO $1,002 $1,002
Liberty Mutual $2,958 $2,958
Progressive $1,831 $1,792
State Farm $1,373 $1,373
Travelers $1,148 $1,174
USAA $839 $818

How does coverage level affect Portland, ME car insurance rates?

How much coverage do you need? Are you comfortable with the Maine minimum of 50/100/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Portland, ME car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Portland, Maine

Insurance Company Low Medium High
Allstate $2,640 $2,641 $2,742
Farmers $2,923 $2,946 $3,295
GEICO $1,469 $1,479 $1,553
Liberty Mutual $4,413 $4,413 $4,601
Progressive $3,451 $3,460 $3,679
State Farm $2,384 $2,429 $2,558
Travelers $2,448 $2,454 $2,577
USAA $1,388 $1,401 $1,471

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How does your driving record affect Portland, ME car insurance rates?

Safe driving pays off. The more traffic violations you have in Portland, ME, the higher your car insurance rates will be. Compare rates based on driving infractions from top Portland, Maine companies.

Annual Portland, Maine Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,176 $2,962 $3,096 $2,464
Farmers $2,668 $3,404 $2,954 $3,193
GEICO $1,093 $1,536 $2,279 $1,093
Liberty Mutual $3,406 $4,032 $6,744 $3,719
Progressive $2,824 $4,793 $3,146 $3,355
State Farm $2,223 $2,691 $2,457 $2,457
Travelers $2,073 $2,305 $2,904 $2,690
USAA $1,076 $1,420 $2,000 $1,184

How does a DUI affect Portland, ME car insurance rates?

With even one DUI on your record, you can see an increase in your Portland, ME car insurance rates.

Annual Car Insurance Rates After a DUI in Portland, Maine

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,096
Farmers $2,954
GEICO $2,279
Liberty Mutual $6,744
Progressive $3,146
State Farm $2,457
Travelers $2,904
USAA $2,000

How does your credit history affect Portland, ME car insurance rates?

Take a look at the data here to see how your Portland, Maine car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Portland, Maine

Insurance Company Poor Fair Good
Allstate $3,357 $2,564 $2,103
Farmers $3,552 $2,921 $2,692
GEICO $2,019 $1,340 $1,143
Liberty Mutual $6,232 $4,037 $3,157
Progressive $3,977 $3,425 $3,187
State Farm $3,579 $2,137 $1,655
Travelers $2,935 $2,404 $2,140
USAA $1,857 $1,284 $1,119

How does your commute affect Portland, ME car insurance rates?

Portland, ME car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Maine can be seen here. Remember, though, that you may have to carry substantially more car insurance in Portland if you’re financing.

Annual Car Insurance Rates by Commute Length in Portland, Maine

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,675 $2,675
Farmers $3,055 $3,055
GEICO $1,476 $1,525
Liberty Mutual $4,385 $4,566
Progressive $3,530 $3,530
State Farm $2,377 $2,537
Travelers $2,493 $2,493
USAA $1,380 $1,460

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Who has the cheapest Portland, ME car insurance rates?

Here’s a breakdown of Portland, Maine car insurance rates by company. You can see which company offers the cheapest Portland car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Portland, Maine

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation GEICO

What are the top Portland, ME car insurance companies?

Which Portland, Maine car insurance company will best fit your needs and budget? Check out this comparison of the top Portland companies to find the one for you.

Average Annual Car Insurance Rates by Company in Portland, Maine

Insurance Company Average Annual Rates
Allstate $2,675
Farmers $3,055
GEICO $1,500
Liberty Mutual $4,475
Progressive $3,530
State Farm $2,457
Travelers $2,493
USAA $1,420

What factors affect Portland, ME car insurance rates?

Why are Portland, Maine car insurance rates different than rates in Lewiston or Augusta? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Portland, ME?

More time spent behind the wheel can lead to higher Portland, Maine car insurance rates. In Portland, ME, the average commute length is 18.8 minutes.

What is the traffic like in Portland, ME

Like commute length, time spent in traffic also increase risk of accidents. Portland, ME is listed as 115th in INRIX congested cities data.

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Car Insurance Quotes for Portland, ME

Shop for affordable Portland, Maine car insurance rates today. Enter your ZIP code to compare quotes from multiple Portland, ME car insurance companies.

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