Maine offers the lowest auto insurance premiums in the nation at $926 annually, according to the National Association of Insurance Commissioners.
MAINE, USA — Maine drivers pay the lowest auto insurance premiums in the country, according to a report from the National Association of Insurance Commissioners (NAIC).
The report, based on 2023 data, found Maine’s average annual premium was $926, compared to a national average of $1,438—about 55% higher. The full report is available here.
“It is gratifying to see Maine lead the country in low auto insurance premiums, combined with the lowest percentage of uninsured drivers and strong minimum liability requirements that help keep Maine drivers safe and secure,” Maine Insurance Superintendent Bob Carey said in a statement Thursday.
From August 2024 through July 2025, the Maine Bureau of Insurance approved rate increases averaging less than 4% for personal auto policies. Carey credited a competitive market with helping to keep costs stable.
According to the Insurance Information Institute (III), only 5.7% of Maine drivers are uninsured, compared to more than 10% in most states. Maine also mandates one of the nation’s highest minimum coverage levels, “50/100/25,” which requires at least $50,000 per person for bodily injury, $100,000 per accident, and $25,000 for property damage.
Data from AutoInsurance.com supports Maine’s affordability, showing average full-coverage premiums around $1,244 per year — roughly half the national rate.
Recommendations
Autoinsurance.com recommends these as the top three auto insurance agencies for Maine in 2025.
AARP: Rated best option for seniors, those 50 and older, with an average annual premium of $960 and a monthly premium of $80
Geico: Rated best overall value with annual premiums of $1,256 and monthly premiums of $105
State Farm: Rated best choice for safe drivers with an average annual premium of $1,351 and a monthly premium of $113
Click here for more insurance recommendations.
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Based in New York, Stephen Freeman is a Senior Editor at Trending Insurance News. Previously he has worked for Forbes and The Huffington Post. Steven is a graduate of Risk Management at the University of New York.