Auburn, ME Auto Insurance | Cheap Car Insurance in Auburn, ME

Auburn, ME auto insurance requires a basic coverage of 50/100/25. Cheap car insurance in Auburn, ME starts at $23/month with Concord. The best Auburn, ME car insurance companies include Liberty Mutual, Concord, State Farm, Vermont Mutual, and Allstate.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Jul 19, 2021

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Maine auto insurance requires a base coverage (50/100/25) for all residents (more information below). Some of the best Auburn, ME car insurance companies offer affordable premiums. The companies that offer cheap car insurance in Auburn, ME are Liberty Mutual, Concord, State Farm, Vermont Mutual, and Allstate. Concord offers drivers searching for Auburn, ME auto insurance $23/month.

Auburn is the fifth largest city in Maine and shares a great deal of history and culture with its sister city, Lewiston. Like many American towns, it started out as a large producer of agricultural goods before the railroad expansion of the mid 1800’s caused a rapid and revolutionary change to the local economy.

Fun fact: Did you know that Auburn, Maine supplied over 75% of the world’s white canvas shoes during the WWII era?

Are you looking for cheap auto insurance in Auburn, ME? At, you can easily find the cheapest insurance rates in your area. To get free Auburn, ME auto insurance quotes from the best providers today, enter your ZIP code into the quote box on this page.

Auto Insurance Coverage Requirements in Maine

Driving legally in Auburn requires:

Coverage Requirements Most Common
Bodily Injury Liability 50,000/100,000 100,000/300,000
Property Damage Liability 25,000 50,000
Uninsured Motorist Bodily Injury 50,000/100,000 100,000/300,000
Medical Payments 1,000 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

Medical Payments and Uninsured Motorist Liability coverage are two legal minimum requirements which Maine mandates (but other states do not). Despite the extra required coverage, drivers in Maine still pay fairly low rates, and get protected with extra coverage.

It only costs around $80 per month to have automotive insurance in Maine, whereas in other states average rates are around three figures. However, Auburn drivers can get covered for as little as $35/mo* with our helpful advice.

Average Monthly Auto Insurance PremiumsLegend: Auburn Liberty Mutual Concord State Farm Vermont Mutual Allstate 5101520253035$25$23$25$30$38


Concord, Liberty Mutual, and State Farm are offering competitively low Auburn, ME auto insurance rates. While paying the absolute lowest rate may seem like the most attractive option, consider the other factors at play. Is it really worth saving a few dollars a month if your insurer doesn’t care about customer service or making the claims process as easy as possible?

Auburn, ME auto insurance companies consider numerous factors when determining insurance quotes, including gender, where you live, credit score/rating, years of driving experience, and theft protection devices. Also keep in mind that premiums change from company to company. To verify you’re still receiving the cheapest rate, compare cheap Auburn auto insurance quotes online.

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Major Factors in Cheap Car Insurance in Auburn, Maine

There are lots of ways in which your car insurance rate may be determined. But not all of it is out of your control; there are things you can do so that you can increase the number of discounts you are entitled to get. Listed below are some of these factors in greater detail:

Your ZIP Code

Where you park your automobile each night will have a serious impact on your auto insurance rate. Generally, auto insurance is cheaper in rural areas because fewer cars means a smaller likelihood that you will get into a collision with another automobile. The population of Auburn is 22,987 and the median household income is $44,646.

Auto Insurance by ZIP CodeLegend: Portland South Portland Auburn Bangor Lewiston Liberty Mutual Concord State Farm Vermont Mutual Allstate 5101520253035$24$22$25$24$25$29$29$23$21$23$30$30$25$26$25$31$31$30$31$30$38$38$38$38$38


Automotive Accidents

High accident rates in your area may have an influence over your monthly premiums which you cannot control. As you can see from the chart, Accident rates for Auburn are fairly low. Per capita, however, they’re still higher than other areas of the state. This has a small chance of elevating insurance rates near you.

Fatal Accidents in Auburn, MELegend: Auburn Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 123456789451491


Auto Thefts in Auburn

Finding cheap auto insurance can be difficult if you are at risk for auto theft. Certain popular vehicle models are attractive to thieves, as well as vehicles which are parked often in large cities. The total number of stolen vehicles in Auburn was 17 back in 2013. Not only is this very low, but it’s part of a steadily decreasing trend. Talk to your insurance agent about your Comprehensive coverage deductible to see if there’s a way to lower your monthly payment (more on deductibles later).

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Liberty Mutual Concord State Farm Vermont Mutual Allstate 102030405060708090100110$25$114$23$69$25$59$30$70$38$86


Your Credit Score

Your credit score can have a huge impact on your monthly costs for automotive insurance. And although it seems both unfair and illogical, having poor credit can end up costing you much more for your monthly premiums. But making your payments on time and in full each month can help raise your credit, thereby lowering your premiums over time.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Liberty Mutual Concord State Farm Vermont Mutual Allstate 51015202530354045$19$48$21$37$20$48$28$47$33$49


Your Age

Young drivers (anyone under the age of 25 with a license) will get charged higher rates. But there are steps you can take to lower young driver premiums. Good grades will help for high school and college students, as well as taking Driver Education courses. And parents of teenage drivers could bundle them onto the family policy.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Liberty Mutual Concord State Farm Vermont Mutual Allstate 102030405060708090100110120130$25$116$23$78$25$91$30$130$38$130


Your Driving Record

Some companies are offering Accident Forgiveness discounts these days, which means you might have a minor violation (such as a low-damage accident) from your past “forgiven”, and your monthly premiums lowered. But this type of discount will not apply to something like a DUI, which is much more serious.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Liberty Mutual Concord State Farm Vermont Mutual Allstate 510152025303540455055606570$25$36Do Not Sell$41$23$23$56$23$25$28$28$31$30$30$70$38$38$41$49$52


Your Vehicle

Insuring an expensive, luxury vehicle can cost an arm and a leg, whereas an older sedan or a cheap, used car doesn’t require as much coverage. As a general rule, the newer and more expensive your vehicle is to replace or repair, the more you will have to pay in insurance costs (unless you want to risk the thousands of dollars in out-of-pocket expenses which usually come with purchasing a cheaper policy).

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Liberty Mutual Concord State Farm Vermont Mutual Allstate 102030405060708090100110120$25$124$23$73$25$82$30$75$38$108


Minor Factors in Cheap Auto Insurance in Auburn, Maine

Your insurance company will draw upon many different factors when determining your final quote. But not all of it is out of your control; there are steps you can take so that your overall number of discounts is increased. Listed below are some of these factors in greater detail:

Your Marital Status

Are you on the same auto policy with your spouse? If you answered “no”, then you could be wasting hundreds of dollars per year by over-paying for separate policies. In reality, the only reason you wouldn’t want to be on the same plan with your spouse would be if one of you has a very tarnished driving record.

Your Gender

Currently, very few companies charge different rates based on just a driver’s gender. And companies that charge differently can’t seem to decide which gender is safer behind the wheel. One company might charge lower rates for men, while the next insurance company might think that men should pay much higher premiums.

Your Driving Distance to Work

If you live and work in Auburn, you can expect to spend approximately 16-22 minutes behind the wheel on your way to work. A little over 75% of people drive their own vehicle alone, while another 11-18% choose to get to work by carpooling with their co-workers.

Driving fewer miles each year can save you a ton of money – if you think you’re spending a fortune for gas or vehicle maintenance. But sadly, the insurance discounts for low-mileage vehicles are lackluster. However, an extreme mileage cut could save you as much as 12%, so it’s worth investigating if you’ve moved much closer to work or started working from home.

Your Coverage and Deductibles

Deductibles are small (or, depending on where you set them, large) financial sums you must pay upfront if you have to file a specific claim. Drivers with a clean history might want to think about raising their deductible, while riskier drivers could end up saving by lowering it. For your Collision coverage, as an example, you might have a $500 deductible to pay before you can get your car fixed after an accident. But if your raise your deductible, you may get lower monthly premiums.

Education in Auburn, ME

For those looking to save money on their car insurance and to take their career in a different direction, you can kill two birds with one stone by furthering your education. Studies show that providers are offering increasingly competitive rates to drivers with advanced degrees – even more so than based on profession or salary. In Auburn, nearly 40% of drivers have a high school diploma, while over 18% have yet to complete their high school education.

Located conveniently within the city of Auburn is the Central Maine Community College. It offers baccalaureate preparation and technical degrees in dozens of different fields. For a four-year university, you can look into the University of South Maine in Lewiston or Commute down to Portland for even greater variety.

Unfortunately for most insurance companies, a straightforward online search can expose many of their trade secrets. But even with the right information, it can still be difficult for you as an individual to understand your risk profile and get low-cost insurance. Be sure you do your due diligence prior to committing to your next affordable Auburn, ME auto insurance policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Maine Bureau of Insurance

Maine Bureau of Financial Institutions

Department of Highway Safety and Motor Vehicles

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