Cheap Quotes for Spruce Head, ME Car Insurance (2021)

Spruce Head, Maine car insurance rates average $211 a month and Maine law requires coverage of at least 50/100/25. By comparing rates from multiple Spruce Head, ME companies, you can find cheap Spruce Head 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 Spruce Head, ME are $211/month
  • Average car insurance rates in Spruce Head, ME for senior drivers are $1,489/year
  • Average car insurance rates in Spruce Head, ME after a DUI are $2,998/year

How do the Spruce Head, Maine monthly average car insurance rates of $211/month compare to nearby cities like Portland car insurance rates, Biddeford car insurance rates, and South Portland car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Spruce Head, ME.

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

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

What are the minimum Spruce Head, ME car insurance requirements?

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

Minimum Required Car Insurance Coverage in Spruce Head, 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 Spruce Head, ME car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Spruce Head, 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 $1,760 $1,809 $1,585 $1,718 $4,469 $5,996 $1,909 $2,136
Farmers $1,631 $1,645 $1,518 $1,640 $4,911 $5,535 $1,894 $1,968
GEICO $989 $1,024 $989 $989 $2,397 $3,119 $1,078 $1,152
Liberty Mutual $2,946 $2,946 $2,807 $2,807 $6,229 $9,309 $2,946 $4,138
Progressive $1,883 $1,845 $1,883 $1,845 $7,835 $8,806 $2,199 $2,493
State Farm $1,250 $1,250 $1,179 $1,179 $3,988 $4,974 $1,396 $1,528
Travelers $1,099 $1,136 $998 $1,020 $4,456 $6,003 $1,088 $1,245
USAA $849 $837 $845 $825 $2,792 $3,079 $1,079 $1,134

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

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

Annual Car Insurance Rates for Teen Drivers in Spruce Head, Maine

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $4,469 $5,996
Farmers $4,911 $5,535
GEICO $2,397 $3,119
Liberty Mutual $6,229 $9,309
Progressive $7,835 $8,806
State Farm $3,988 $4,974
Travelers $4,456 $6,003
USAA $2,792 $3,079

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

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

Annual Car Insurance Rates for Senior Drivers in Spruce Head, Maine

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,585 $1,718
Farmers $1,518 $1,640
GEICO $989 $989
Liberty Mutual $2,807 $2,807
Progressive $1,883 $1,845
State Farm $1,179 $1,179
Travelers $998 $1,020
USAA $845 $825

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

Annual Car Insurance Rates by Coverage Level in Spruce Head, Maine

Insurance Company Low Medium High
Allstate $2,642 $2,644 $2,732
Farmers $2,503 $2,520 $2,755
GEICO $1,439 $1,448 $1,514
Liberty Mutual $4,213 $4,213 $4,372
Progressive $3,536 $3,543 $3,717
State Farm $2,039 $2,071 $2,169
Travelers $2,096 $2,101 $2,195
USAA $1,402 $1,413 $1,475

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

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

Annual Spruce Head, Maine Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,175 $2,956 $3,096 $2,464
Farmers $2,272 $2,890 $2,508 $2,701
GEICO $1,066 $1,501 $2,235 $1,066
Liberty Mutual $3,277 $3,856 $6,364 $3,567
Progressive $2,887 $4,867 $3,210 $3,430
State Farm $1,900 $2,286 $2,093 $2,093
Travelers $1,776 $1,973 $2,474 $2,300
USAA $1,087 $1,431 $2,007 $1,195

How does a DUI affect Spruce Head, ME car insurance rates?

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

Annual Car Insurance Rates After a DUI in Spruce Head, Maine

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,096
Farmers $2,508
GEICO $2,235
Liberty Mutual $6,364
Progressive $3,210
State Farm $2,093
Travelers $2,474
USAA $2,007

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

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

Annual Car Insurance Rates by Credit Score in Spruce Head, Maine

Insurance Company Poor Fair Good
Allstate $3,354 $2,563 $2,101
Farmers $3,007 $2,481 $2,290
GEICO $1,974 $1,309 $1,117
Liberty Mutual $5,939 $3,849 $3,010
Progressive $4,073 $3,486 $3,237
State Farm $3,048 $1,821 $1,410
Travelers $2,508 $2,055 $1,830
USAA $1,875 $1,291 $1,124

How does your commute affect Spruce Head, ME car insurance rates?

Spruce Head, 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 Spruce Head if you’re financing.

Annual Car Insurance Rates by Commute Length in Spruce Head, Maine

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,673 $2,673
Farmers $2,593 $2,593
GEICO $1,443 $1,491
Liberty Mutual $4,179 $4,353
Progressive $3,599 $3,599
State Farm $2,025 $2,161
Travelers $2,131 $2,131
USAA $1,390 $1,470

Who has the cheapest Spruce Head, ME car insurance rates?

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

Best Annual Car Insurance Rates by Company in Spruce Head, Maine

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

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What are the top Spruce Head, ME car insurance companies?

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

Average Annual Car Insurance Rates by Company in Spruce Head, Maine

Insurance Company Average Annual Rates
Allstate $2,673
Farmers $2,593
GEICO $1,467
Liberty Mutual $4,266
Progressive $3,599
State Farm $2,093
Travelers $2,131
USAA $1,430

Car Insurance Quotes for Spruce Head, ME

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