Cheap Quotes for Prospect Harbor, ME Car Insurance (2021)

Prospect Harbor, Maine car insurance rates average $227 a month and Maine law requires coverage of at least 50/100/25. By comparing rates from multiple Prospect Harbor, ME companies, you can find cheap Prospect Harbor 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 Prospect Harbor, ME are $227/month
  • Average car insurance rates in Prospect Harbor, ME after a DUI are $3,195/year
  • The cheapest car insurance company in Prospect Harbor is GEICO

How do the Prospect Harbor, Maine monthly average car insurance rates of $227/month compare to nearby cities like South Portland car insurance rates, Portland car insurance rates, and Lewiston car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Prospect Harbor, ME.

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

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

What are the minimum Prospect Harbor, ME car insurance requirements?

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

Minimum Required Car Insurance Coverage in Prospect Harbor, 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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How do age, gender, and marital status affect Prospect Harbor, ME car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Prospect Harbor, 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 $1,858 $1,917 $1,668 $1,811 $4,681 $6,226 $2,026 $2,265
Farmers $1,886 $1,906 $1,755 $1,898 $5,767 $6,474 $2,196 $2,281
GEICO $1,018 $1,055 $1,018 $1,018 $2,429 $3,165 $1,109 $1,189
Liberty Mutual $3,072 $3,072 $2,925 $2,925 $6,543 $9,799 $3,072 $4,332
Progressive $2,168 $2,126 $2,168 $2,126 $9,020 $10,144 $2,528 $2,864
State Farm $1,250 $1,250 $1,176 $1,176 $3,954 $4,924 $1,392 $1,528
Travelers $1,146 $1,188 $1,038 $1,062 $4,575 $6,200 $1,140 $1,321
USAA $929 $921 $922 $905 $3,003 $3,324 $1,186 $1,256

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

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

Annual Car Insurance Rates for Teen Drivers in Prospect Harbor, Maine

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $4,681 $6,226
Farmers $5,767 $6,474
GEICO $2,429 $3,165
Liberty Mutual $6,543 $9,799
Progressive $9,020 $10,144
State Farm $3,954 $4,924
Travelers $4,575 $6,200
USAA $3,003 $3,324

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

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

Annual Car Insurance Rates for Senior Drivers in Prospect Harbor, Maine

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,668 $1,811
Farmers $1,755 $1,898
GEICO $1,018 $1,018
Liberty Mutual $2,925 $2,925
Progressive $2,168 $2,126
State Farm $1,176 $1,176
Travelers $1,038 $1,062
USAA $922 $905

How does coverage level affect Prospect Harbor, 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 Prospect Harbor, ME car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Prospect Harbor, Maine

Insurance Company Low Medium High
Allstate $2,771 $2,772 $2,875
Farmers $2,901 $2,918 $3,242
GEICO $1,474 $1,481 $1,545
Liberty Mutual $4,419 $4,419 $4,565
Progressive $4,059 $4,066 $4,303
State Farm $2,033 $2,061 $2,150
Travelers $2,175 $2,179 $2,273
USAA $1,528 $1,539 $1,600

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

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

Annual Prospect Harbor, Maine Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,293 $3,111 $3,233 $2,588
Farmers $2,642 $3,366 $2,917 $3,156
GEICO $1,086 $1,535 $2,292 $1,086
Liberty Mutual $3,462 $4,051 $6,601 $3,756
Progressive $3,321 $5,606 $3,696 $3,948
State Farm $1,891 $2,271 $2,081 $2,081
Travelers $1,844 $2,048 $2,560 $2,384
USAA $1,185 $1,554 $2,180 $1,303

How does a DUI affect Prospect Harbor, ME car insurance rates?

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

Annual Car Insurance Rates After a DUI in Prospect Harbor, Maine

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,233
Farmers $2,917
GEICO $2,292
Liberty Mutual $6,601
Progressive $3,696
State Farm $2,081
Travelers $2,560
USAA $2,180

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

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

Annual Car Insurance Rates by Credit Score in Prospect Harbor, Maine

Insurance Company Poor Fair Good
Allstate $3,528 $2,686 $2,205
Farmers $3,524 $2,884 $2,654
GEICO $2,019 $1,339 $1,142
Liberty Mutual $6,221 $4,030 $3,152
Progressive $4,688 $4,014 $3,726
State Farm $3,031 $1,811 $1,402
Travelers $2,598 $2,130 $1,898
USAA $2,048 $1,402 $1,218

How does your commute affect Prospect Harbor, ME car insurance rates?

Prospect Harbor, 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 Prospect Harbor if you’re financing.

Annual Car Insurance Rates by Commute Length in Prospect Harbor, Maine

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,806 $2,806
Farmers $3,021 $3,021
GEICO $1,475 $1,524
Liberty Mutual $4,375 $4,560
Progressive $4,143 $4,143
State Farm $2,013 $2,149
Travelers $2,209 $2,209
USAA $1,511 $1,600

Who has the cheapest Prospect Harbor, ME car insurance rates?

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

Best Annual Car Insurance Rates by Company in Prospect Harbor, Maine

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

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What are the top Prospect Harbor, ME car insurance companies?

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

Average Annual Car Insurance Rates by Company in Prospect Harbor, Maine

Insurance Company Average Annual Rates
Allstate $2,806
Farmers $3,021
GEICO $1,500
Liberty Mutual $4,468
Progressive $4,143
State Farm $2,081
Travelers $2,209
USAA $1,556

Car Insurance Quotes for Prospect Harbor, ME

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