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

Portland, ME auto insurance requires you have 50/100/25 in liability coverage. Cheap car insurance in Portland, ME starts at $24 monthly with Liberty Mutual. The best Portland, ME car insurance companies consist of 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 Cinncinati.com. ...

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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

UPDATED: Jul 19, 2021

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Maine auto insurance requires a 50/100/25 minimum in liability coverage. Residents can find cheap car insurance in Portland, ME starting at $24 monthly, offered by Liberty Mutual. Other best Portland, ME car insurance companies include Concord, State Farm, Vermont Mutual, and Allstate, each offering competitive Portland, ME auto insurance.

Portland is the largest city in Maine and also home to the famous Old Port district, which attracts a great number of tourists each year. The early history of Portland was plagued by a series of devastating fires, which eventually led to a new design for the state flag. Emblazoned on the state seal is a phoenix rising from the ashes, signifying the city’s ability to rebound and grow from past tragedy.

Fun fact: Did you know that Portland is #45 on the list of “Top 100 cities with oldest houses (pop. 50,000+)”?

Are you looking for cheap auto insurance in Portland, ME? At AutoInsuranceEZ.com, you can find the cheapest car insurance in Portland, Maine. To receive free car 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 Portland 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

When compared with other states, Maine’s minimum legal requirements for insurance are a little bit higher and more comprehensive than most. But in a way, this protects you from some very unfortunate things (uninsured motorists and medical bills especially) that you would otherwise be financially liable for.

Even with higher insurance requirements, most drivers in Maine are only paying about $80 monthly for their policy premiums. Believe it or not, though, you can get that rate even lower. Portland motorists can find automotive policies as low as $35/mo – if you know where and how to look!

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Cheapest Car Insurance in Portland, ME

Average Monthly Auto Insurance Premiums


Liberty Mutual
State Farm
Vermont Mutual








Liberty Mutual, Concord, and State Farm are a few of the Portland, Maine auto insurance agencies offering the absolute lowest rates on car insurance right now. But should you really stop your search right there? Customer service is important too, as well as a smooth claims service. And companies which offer those might cost a few dollars more.

Whether you are looking for the cheapest car insurance in Portland, Maine airport or not, there are a variety of companies you can research, including GEICO Insurance in Portland, Maine and more.

Auto insurance providers contemplate many variables when determining insurance quotes, including gender, where you live, occupation, years of driving experience, and multiple cars and drivers. In addition, premiums change among Portland, Maine auto insurance agents. To find out whether you’re still receiving the most favorable rate, compare cheap Portland, ME auto insurance quotes online.

Major Factors in Cheap Car Insurance in Portland, Maine

Portland, ME auto insurance companies take numerous factors into account when designing an auto insurance policy. Unfortunately, many of these factors are difficult or impossible to change, such as your marital status or the make/model of your car. Other factors your car insurance company may consider include:

Your ZIP Code

Where you park your automobile each night will have a serious impact on your car insurance rate. Usually, car insurance is cheaper in rural areas because fewer cars means a smaller likelihood that you will get into an accident with another automobile. The population of Portland is 66,318 and the median household income is $40,806.

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

Yes, there are sometimes fatal car accidents in Portland. Thankfully, they are fairly rare, as you can see in the chart below. This isn’t just good news because everyone deserves safe roads to drive on. This can also lower average car insurance rates in your area.

Fatal Accidents in Portland, MELegend: Portland Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 1234567351371


Auto Thefts in Portland

Auto theft is a major problem, especially in densely populated cities. If your location and/or vehicle model put you at a greater risk for theft, you may have trouble finding low-cost car insurance. The total number of stolen vehicles in Portland was only 69 as recently as 2013. If you have an expensive Comprehensive coverage option on your policy, consider adjusting your deductible to save money (more on that later).

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Liberty Mutual Concord State Farm Vermont Mutual Allstate 102030405060708090100110$24$113$29$69$30$67$31$81$38$83


Your Credit Score

Are you wondering why your Portland, ME auto insurance rates are so high? Well, a big part of the reason could be your credit score. A driver’s credit history has one of the biggest influences on whether they get low rates, or have to pay some of the highest premiums around.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Liberty Mutual Concord State Farm Vermont Mutual Allstate 510152025303540455055$18$46$26$46$25$58$29$50$33$48


Your Age

The younger you are on the age spectrum, the more difficult it will be to find affordable rates. And if you’re the parent of a young driver, you might be thinking about putting them on your family policy to save some cash. And this can work, especially if you encourage your child to take educational driving lessons and get excellent grades – but it will noticeably raise your insurance rates, though.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Liberty Mutual Concord State Farm Vermont Mutual Allstate 102030405060708090100110120$24$111$29$95$30$110$31$108$38$127


Your Driving Record

The fewer tickets and accidents you have, the cheaper your monthly premiums will be, period. Fewer tickets means that you are not a risky driver, and that you won’t likely file any claims in the near future, costing your insurance provider money. But having tickets, or even a small accident on your record means that you are a higher-risk driver and therefore could file a potentially expensive claim one day.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Liberty Mutual Concord State Farm Vermont Mutual Allstate 510152025303540455055606570$24$34Do Not Sell$39$29$29$63$29$30$34$34$37$31$31$74$40$38$41$48$50


Your Vehicle

Would you insure a Porsche or a Ferrari with Liability coverage alone? You could try, but it’s highly unlikely you could find one, especially if you are financing or leasing the vehicle. That’s why luxury vehicle insurance cost so much more than regular vehicle insurance – because you have to buy more and larger amounts of coverage for proper security.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Liberty Mutual Concord State Farm Vermont Mutual Allstate 102030405060708090100110120$24$122$29$74$30$93$31$88$38$103


Minor Factors in Cheap Auto Insurance in Portland, Maine

Guess what? There are many other factors which might change the final number on your car insurance bill. And those include:

Your Marital Status

Married couples can – and definitely should – be on a family policy together. If you both have clean records, then bundling together can really reduce your rates. However, if one of you has a bad driving record, it might actually save you money to consider keeping your policies separate.

Your Gender

According to insurance provider data, there isn’t much difference between the way women and the way men drive. Due to this, there is usually not much difference between how much insurance companies charge male and female customers who purchase their policies.

Your Driving Distance to Work

When commuting to and from work each day, the average mainland driver can usually get to work in less than 20 minutes. Living on one of the islands, however, can see a commute time of 39 minutes or more. A little over 65% take their own car in to work, while another 3-15% carpool with their co-workers.

If you think the use of your vehicle doesn’t matter, think again. Using your vehicle to make a necessary commute, such as for work or school, you’re more likely to be on the road during rush-hour traffic than if you only use your vehicle for pleasure. And being on the road during high traffic times can make you a riskier driver.

Your Coverage and Deductibles

If you think of yourself as a particularly safe driver, you could really save a lot of money by raising your deductible. This is because the more money you pay in the event that you must file a claim, the more of the financial responsibility you are willing to take off of your provider. And they will reward you with lower payments on your premiums.

Education in Portland, ME

While the greatest segment of Portland drivers have a high school diploma or other equivalent, almost 24% have bachelor’s degrees. If you are one of these residents with a higher education, you could enjoy some additional savings. Insurance providers have recently started offering lower rates to those drivers with advanced degrees, overlooking even those with nice jobs or high salaries.

Portland has a school for almost any ambition you might be interested in pursuing. The city is home to the Maine College of Art, as well as the University Of Maine School Of Law. The University of New England has a campus in Portland which offers degrees in the professional health field, while the University of Southern Maine offers highly respected degrees in education.

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

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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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