Car insurance is legally mandatory in Maine, providing you with financial protection in case of an accident. But rates can differ significantly depending on which provider and policy type you select, making an estimate difficult. MoneyGeek’s car insurance calculator for Maine provides an instant estimate that takes into account factors that most impact premium costs such as adding a teen driver, age and credit score – giving an accurate representation of potential premium costs in Maine.

Notably, your vehicle’s make and model can have an effect on its insurance rate; typically sports cars and luxury vehicles cost more to insure than standard four-door sedans. Furthermore, your location has an impact – cities with higher accident, theft and claims rates will see higher premiums than rural areas.

Driving history will also play an integral part. An accident caused by you, as well as violations, could significantly raise your premiums; conversely, having a good driving record and taking advantage of safe driver discounts could significantly bring them down.

Reduce your premiums further by switching types of coverage or raising the deductible amount. Switch from full to liability-only coverage and save money this way. It may also be worthwhile exploring pay-as-you-drive programs, which offer incentives for safe driving and maintaining policies at the appropriate levels.

As your premiums will fluctuate over time, comparing quotes regularly is key to finding the cheapest Maine auto insurance policies possible. By shopping around and taking advantage of all available discounts, research and comparing quotes, you can get the cheapest possible rates – start saving today with our Maine car insurance calculator!