Cheap Quotes for Topsham, ME Car Insurance (2021)

Topsham, Maine car insurance rates average $210 a month and Maine law requires coverage of at least 50/100/25. By comparing rates from multiple Topsham, ME companies, you can find cheap Topsham 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 Topsham, ME for senior drivers are $1,478/year
  • The cheapest car insurance company in Topsham is GEICO
  • Average car insurance rates in Topsham, ME are $210/month

How do the Topsham, Maine monthly average car insurance rates of $210/month compare to nearby cities like Bangor car insurance rates, Biddeford car insurance rates, and Portland car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Topsham, ME.

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

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

What are the minimum Topsham, ME car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Topsham, 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 $1,781 $1,828 $1,609 $1,740 $4,543 $6,058 $1,926 $2,144
Farmers $1,686 $1,702 $1,584 $1,697 $5,439 $5,995 $1,991 $2,061
GEICO $914 $946 $914 $914 $2,245 $2,916 $997 $1,062
Liberty Mutual $2,946 $2,946 $2,807 $2,807 $6,229 $9,309 $2,946 $4,138
Progressive $1,768 $1,733 $1,768 $1,733 $7,399 $8,309 $2,058 $2,321
State Farm $1,254 $1,254 $1,187 $1,187 $4,049 $5,053 $1,403 $1,534
Travelers $1,124 $1,161 $1,019 $1,042 $4,569 $6,170 $1,109 $1,270
USAA $832 $819 $827 $808 $2,730 $3,010 $1,056 $1,107

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

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

Annual Car Insurance Rates for Teen Drivers in Topsham, Maine

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $4,543 $6,058
Farmers $5,439 $5,995
GEICO $2,245 $2,916
Liberty Mutual $6,229 $9,309
Progressive $7,399 $8,309
State Farm $4,049 $5,053
Travelers $4,569 $6,170
USAA $2,730 $3,010

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

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

Annual Car Insurance Rates for Senior Drivers in Topsham, Maine

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,609 $1,740
Farmers $1,584 $1,697
GEICO $914 $914
Liberty Mutual $2,807 $2,807
Progressive $1,768 $1,733
State Farm $1,187 $1,187
Travelers $1,019 $1,042
USAA $827 $808

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

Annual Car Insurance Rates by Coverage Level in Topsham, Maine

Insurance Company Low Medium High
Allstate $2,662 $2,663 $2,786
Farmers $2,657 $2,675 $2,977
GEICO $1,334 $1,344 $1,413
Liberty Mutual $4,213 $4,213 $4,372
Progressive $3,313 $3,321 $3,524
State Farm $2,057 $2,091 $2,197
Travelers $2,146 $2,150 $2,254
USAA $1,370 $1,382 $1,444

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

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

Annual Topsham, Maine Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,200 $2,997 $3,127 $2,491
Farmers $2,421 $3,086 $2,677 $2,893
GEICO $993 $1,396 $2,072 $993
Liberty Mutual $3,277 $3,856 $6,364 $3,567
Progressive $2,713 $4,587 $3,021 $3,223
State Farm $1,917 $2,313 $2,115 $2,115
Travelers $1,819 $2,022 $2,536 $2,356
USAA $1,063 $1,399 $1,964 $1,169

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

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

Annual Car Insurance Rates After a DUI in Topsham, Maine

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,127
Farmers $2,677
GEICO $2,072
Liberty Mutual $6,364
Progressive $3,021
State Farm $2,115
Travelers $2,536
USAA $1,964

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

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

Annual Car Insurance Rates by Credit Score in Topsham, Maine

Insurance Company Poor Fair Good
Allstate $3,399 $2,590 $2,122
Farmers $3,224 $2,646 $2,438
GEICO $1,835 $1,217 $1,038
Liberty Mutual $5,939 $3,849 $3,010
Progressive $3,825 $3,283 $3,050
State Farm $3,080 $1,840 $1,425
Travelers $2,569 $2,105 $1,875
USAA $1,833 $1,263 $1,100

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

Topsham, 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 Topsham if you’re financing.

Annual Car Insurance Rates by Commute Length in Topsham, Maine

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,704 $2,704
Farmers $2,769 $2,769
GEICO $1,341 $1,386
Liberty Mutual $4,179 $4,353
Progressive $3,386 $3,386
State Farm $2,046 $2,184
Travelers $2,183 $2,183
USAA $1,360 $1,438

Who has the cheapest Topsham, ME car insurance rates?

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

Best Annual Car Insurance Rates by Company in Topsham, Maine

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

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What are the top Topsham, ME car insurance companies?

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

Average Annual Car Insurance Rates by Company in Topsham, Maine

Insurance Company Average Annual Rates
Allstate $2,704
Farmers $2,769
GEICO $1,364
Liberty Mutual $4,266
Progressive $3,386
State Farm $2,115
Travelers $2,183
USAA $1,399

What factors affect Topsham, ME car insurance rates?

Why are Topsham, Maine car insurance rates different than rates in Bangor or Biddeford? 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 Topsham, ME?

More time spent behind the wheel can lead to higher Topsham, Maine car insurance rates. In Topsham, ME, the average commute length is 20.7 minutes.

Car Insurance Quotes for Topsham, ME

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