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

South Portland, ME auto insurance requires drivers to have 50/100/25 in liability coverage. Cheap car insurance in South Portland, ME can start at $22/month with Liberty Mutual. Some of the best South Portland, 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 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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Cheap car insurance in South Portland, ME is offered by Liberty Mutual with rates as low as $22 per month. Other best South Portland, ME car insurance companies such as Concord, State Farm, Vermont Mutual, and Allstate also offer competitive premiums. Maine auto insurance requires you to have 50/100/25 minimum in liability coverage. This means Liability insurance will pay if the driver is responsible for the accident. We recommend carrying more than the South Portland, ME auto insurance minimum in the event of a worst-case scenario.

South Portland is the 4th largest city in Maine and a major hub for industries and retail establishments in the state. The historical military fort, Fort Preble, began operations in 1808 in order to protect Portland Harbor, an essential port for travel and commerce. Although it was an active military institution for many years, it is now home to the Southern Maine Community College.

Fun fact: Did you know that South Portland is also home to Rigby Yard, the biggest railroad yard in all of the New England area?

Are you looking for cheap auto insurance in South Portland, ME? At AutoInsuranceEZ.com, you could find the cheapest insurance rates close to you. To get free car insurance quotes from the very best South Portland, ME auto insurance companies today, enter your ZIP code into the quote box on this page.

Auto Insurance Coverage Requirements in Maine

Driving legally in South 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

Maine requirements are higher than most states, which usually only require that you purchase a low amount of Liability coverage. But these laws are in place to help protect you from other uninsured motorists, as well as medical bills resulting from an accident.

Average monthly insurance payments for Maine drivers are actually pretty low – only about $80 per month – compared to the rest of the country. But for South Portland drivers, that number can be even lower. Try driving around, legally, for as little as $33/mo*!

Average Monthly Auto Insurance PremiumsLegend: South Portland Liberty Mutual Concord State Farm Vermont Mutual Allstate 5101520253035$22$29$30$31$38

 

Liberty Mutual, Concord, and State Farm are offering some great rates in your area, according to our data findings. But don’t be seduced by a low monthly premium. The quality of customer service and claims processing is just as important as saving money.

Auto insurance carriers evaluate numerous elements when determining South Portland, ME auto insurance quotes, including driving experience, ZIP code, credit score/rating, years of driving experience, and multiple cars and drivers. In addition, premiums differ from carrier to carrier. To verify you’re still getting the most favorable rate, compare cheap South Portland auto insurance quotes online.

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Major Factors in Cheap Car Insurance in South Portland, Maine

There is a range of various items which may factor into the rate quotes you obtain. Even though many of these details aren’t actually something you can do something about, a few of them are variables which you can change for the better. Here are some things which can alter your car insurance premium:

Your ZIP Code

Your car insurance rates may vary according to where you call home. Usually, highly populated urban centers have higher auto insurance rates because the additional number of drivers on the highway increases the chance of an accident! The population of South Portland is 25,255 and the median household income is $50,374.

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

Any area with a high rate of accidents, especially deadly ones, is going to suffer from higher insurance premiums also. Thankfully, as you can see in the chart, the rate of fatal accidents in South Portland is very, very low. Which means you’re probably already paying less for insurance than other Maine motorists.

Fatal Accidents in South Portland, MELegend: South Portland Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 11111

 

Auto Thefts in South 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 South Portland was only 26 in 2013. Below, we’ll discuss raising deductibles in order to save money; this is especially helpful for reducing the cost of expensive Comprehensive coverage, which is the only coverage which pays for auto theft claims.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Liberty Mutual Concord State Farm Vermont Mutual Allstate 102030405060708090$22$98$29$70$30$67$31$81$38$83

 

Your Credit Score

Have you checked your credit score lately? Well, you should. Your auto insurance company definitely is. Take a look at the chart below. Notice how monthly rates climb substantially the lower your credit score gets.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Liberty Mutual Concord State Farm Vermont Mutual Allstate 510152025303540455055$16$41$26$46$25$58$29$50$33$48

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Your Age

As you can see from the chart, older drivers get to benefit from having years of experience behind the wheel by paying lower monthly rates. But if you’re a young driver, don’t worry. There are great education-related discounts, especially for students who get good grades and take driving courses.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Liberty Mutual Concord State Farm Vermont Mutual Allstate 102030405060708090100110$22$99$29$95$30$110$31$108$38$113

 

Your Driving Record

Having a pristine driving record will, of course, get you the lowest rates around town. But not all drivers are perfect, and insurance companies are beginning to understand this. That’s why Accident Forgiveness discounts are becoming more popular among providers.

Driving ViolationsLegend: Perfect Record Minor speeding ticket DUI/Reckless Driving Major At-Fault Accident Liberty Mutual Concord State Farm Vermont Mutual Allstate 510152025303540455055606570$22$31Do Not Sell$35$29$29$63$29$30$34$34$37$31$31$74$40$38$41$48$50

 

Your Vehicle

Take a look at the chart below. That spike in monthly premiums isn’t just from driving a more expensive car. It’s mostly from the fact that such a vehicle requires more types of coverage, and in larger amounts, than your typical compact sedan. And extra insurance costs money.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Liberty Mutual Concord State Farm Vermont Mutual Allstate 102030405060708090100$22$106$29$74$30$93$31$88$38$103

 

Minor Factors in Cheap Auto Insurance in South 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

Ever heard of “bundling” discounts? It’s how you save money by taking out multiple insurance policies (or “bundling”) with the same company. In truth, single people can benefit from bundling, too – but married people have twice as many policies to bundle, for almost twice the savings!

Your Gender

Insurance companies aren’t interested in stereotypes. They want cold, hard data. And their data shows that there’s no good reason to charge men and women different monthly premiums based on gender alone. That’s why many companies are moving away from such a practice.

Your Driving Distance to Work

The typical commute to work can last anywhere from 17-23 minutes if you live and work in South Portland. Close to 80% of motorists prefer to drive their own car alone when they travel to and from work, while the number of carpoolers varies between 7-11%.

You can save money in general by limiting your mileage, especially since you’re buying less gas and spending less on vehicle maintenance. But driving fewer miles, or only driving for work, really won’t save you more than a few dollars per month on insurance. Registering a business vehicle, though, could raise your premiums by more than 10%.

Your Coverage and Deductibles

Raising your deductible on such items as Collision or Comprehensive insurance is a great way to lower your monthly rate. However, if the worst happens and you need to report a claim, it’s also a great way to find yourself with a massive insurance bill. Make sure you put a little money aside, just in case.

Education in South Portland, ME

While nearly one-third of citizens in South Portland have a high school diploma, the city also has a high number of well-educated drivers with bachelor’s degrees. Having advanced degree can do more for your insurance discounts than having a better job or higher salary; it can also save you money on your affordable South Portland, ME auto insurance policy!

Residents of South Portland have a good number of public and private choices when it comes to higher education. Both the New England Bible College and the Husson University-South Portland Campus are private universities offering a variety of bachelor’s and graduate degrees to prospective students. The Southern Marine Community College educates over 6,000 students and is also the historical site of Fort Preble.

Finding reasonably priced auto insurance can be a hassle. There’s lots of information you need to consider, and determining how insurance companies evaluate your potential risk can be complicated. But don’t let the wrong insurance company talk you into buying the wrong 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.

Sources:

Maine Bureau of Insurance

Maine Bureau of Financial Institutions

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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