Cheap Quotes for Waterford, ME Car Insurance (2021)

Waterford, Maine car insurance rates average $222 a month and Maine law requires coverage of at least 50/100/25. By comparing rates from multiple Waterford, ME companies, you can find cheap Waterford 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

  • The cheapest car insurance company in Waterford is USAA
  • Average car insurance rates in Waterford, ME for senior drivers are $1,563/year
  • Average car insurance rates in Waterford, ME are $222/month

How do the Waterford, Maine monthly average car insurance rates of $222/month compare to nearby cities like Westbrook car insurance rates, Saco car insurance rates, and Auburn car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Waterford, ME.

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

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

What are the minimum Waterford, ME car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Waterford, 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 $1,819 $1,867 $1,641 $1,776 $4,626 $6,193 $1,971 $2,199
Farmers $1,686 $1,702 $1,584 $1,697 $5,439 $5,995 $1,991 $2,061
GEICO $1,106 $1,146 $1,106 $1,106 $2,717 $3,532 $1,207 $1,288
Liberty Mutual $3,075 $3,075 $2,928 $2,928 $6,548 $9,806 $3,075 $4,336
Progressive $1,891 $1,854 $1,891 $1,854 $7,902 $8,880 $2,202 $2,489
State Farm $1,357 $1,357 $1,279 $1,279 $4,321 $5,387 $1,513 $1,658
Travelers $1,187 $1,237 $1,079 $1,106 $4,764 $6,419 $1,192 $1,386
USAA $896 $882 $891 $870 $2,959 $3,264 $1,139 $1,196

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

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

Annual Car Insurance Rates for Teen Drivers in Waterford, Maine

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $4,626 $6,193
Farmers $5,439 $5,995
GEICO $2,717 $3,532
Liberty Mutual $6,548 $9,806
Progressive $7,902 $8,880
State Farm $4,321 $5,387
Travelers $4,764 $6,419
USAA $2,959 $3,264

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

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

Annual Car Insurance Rates for Senior Drivers in Waterford, Maine

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,641 $1,776
Farmers $1,584 $1,697
GEICO $1,106 $1,106
Liberty Mutual $2,928 $2,928
Progressive $1,891 $1,854
State Farm $1,279 $1,279
Travelers $1,079 $1,106
USAA $891 $870

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

Annual Car Insurance Rates by Coverage Level in Waterford, Maine

Insurance Company Low Medium High
Allstate $2,722 $2,723 $2,840
Farmers $2,657 $2,675 $2,977
GEICO $1,619 $1,629 $1,706
Liberty Mutual $4,422 $4,422 $4,572
Progressive $3,544 $3,551 $3,767
State Farm $2,213 $2,246 $2,348
Travelers $2,263 $2,266 $2,360
USAA $1,482 $1,493 $1,561

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

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

Annual Waterford, Maine Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,247 $3,057 $3,197 $2,545
Farmers $2,421 $3,086 $2,677 $2,893
GEICO $1,201 $1,690 $2,513 $1,201
Liberty Mutual $3,464 $4,054 $6,611 $3,759
Progressive $2,901 $4,903 $3,230 $3,448
State Farm $2,060 $2,478 $2,269 $2,269
Travelers $1,914 $2,127 $2,661 $2,482
USAA $1,147 $1,513 $2,126 $1,262

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

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

Annual Car Insurance Rates After a DUI in Waterford, Maine

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,197
Farmers $2,677
GEICO $2,513
Liberty Mutual $6,611
Progressive $3,230
State Farm $2,269
Travelers $2,661
USAA $2,126

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

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

Annual Car Insurance Rates by Credit Score in Waterford, Maine

Insurance Company Poor Fair Good
Allstate $3,472 $2,645 $2,166
Farmers $3,224 $2,646 $2,438
GEICO $2,222 $1,474 $1,257
Liberty Mutual $6,226 $4,034 $3,155
Progressive $4,092 $3,510 $3,260
State Farm $3,305 $1,974 $1,528
Travelers $2,703 $2,214 $1,971
USAA $1,983 $1,365 $1,188

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

Waterford, 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 Waterford if you’re financing.

Annual Car Insurance Rates by Commute Length in Waterford, Maine

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,761 $2,761
Farmers $2,769 $2,769
GEICO $1,624 $1,678
Liberty Mutual $4,379 $4,564
Progressive $3,621 $3,621
State Farm $2,195 $2,343
Travelers $2,296 $2,296
USAA $1,470 $1,554

Who has the cheapest Waterford, ME car insurance rates?

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

Best Annual Car Insurance Rates by Company in Waterford, Maine

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

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What are the top Waterford, ME car insurance companies?

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

Average Annual Car Insurance Rates by Company in Waterford, Maine

Insurance Company Average Annual Rates
Allstate $2,761
Farmers $2,769
GEICO $1,651
Liberty Mutual $4,472
Progressive $3,621
State Farm $2,269
Travelers $2,296
USAA $1,512

What factors affect Waterford, ME car insurance rates?

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

What is the traffic like in Waterford, ME

Like commute length, time spent in traffic also increase risk of accidents. Waterford, ME is listed as 196th in INRIX congested cities data.

Car Insurance Quotes for Waterford, ME

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