Portland Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Maine has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Portland typically pay around $87.47 per month compared to the national average of $146.48 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Portland, ME Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Portland coming in around $65.29 per month. Other companies to consider if you live in Portland is Concord Group with an average cost of $71.97 per month and Safeco which typically runs around $74.44 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Portland.

How Much is Car Insurance in Portland, ME?

Rates can vary from city to city. The residents of Auburn typically pay $86.83 per month while people who live in Augusta will pay $76.93 per month on average. See what people pay for car insurance in other cities in Maine.

Cheap Car Insurance in Portland by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Maine. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Portland

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $212.85 per month in Portland. Compare that to drivers in their 30’s who typically pay around $68.88 per month drivers in their 40s at $73.10 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Portland

If you are teen in Portland you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Concord Group typically charges around $118.78 per month. This is likely the most affordable option in Portland. You might also want to consider USAA and State Farm who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Portland

20 year-olds in Portland might want to consider Safeco who, on average, offers car insurance rates around $80.82 per month. USAA , Concord Group , State Farm and Countryway Insurance are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Portland

If you are in your 30s in Portland our research has found that USAA typically has the most affordable coverage coming in around $54.52 per month, followed by Concord Group at $62.36 and State Farm at $63.63.

Cheapest Insurance for 40 Year-olds in Portland

On average, USAA offers car insurance for 40 year-olds in Portland for around $60.37 per month. If you are looking for affordable coverage, you may also want to consider Concord Group or State Farm. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Portland

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Portland we found that Safeco generally offers the most affordable coverage at $53.97 per month.

Cheapest Insurance for 60 Year-olds in Portland

If you live in Portland and you’re in your 60s, our data indicates that USAA usually has the best rates at $50.74 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Portland, ME

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Portland, the average monthly rate for a driver who is currently insured is $84.03 while drivers who are not currently covered will pay around $93.62.

Compare Recent Car Insurance Quotes in Portland

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Portland a driver of a 2018 Jeep Renegade can expect to pay around $276.21 per month while someone that owns a 2019 Nissan Rogue may pay around $465.65 per month. Check out the list of recent quotes in Portland below.

FAQ's for Drivers in Portland, ME

What Is the Minimum Liability Coverage Requirement in Portland, ME?

Maine requires that you carry at least $50,000 bodily injury coverage per person, $100,000 bodily injury coverage per accident, and $25,000 property damage liability per accident. In addition to these coverages, residents must also carry uninsured/underinsured motorist coverage in the amounts of $50,000 bodily injury per person and $100,000 bodily injury per accident. And that’s not all; the state also mandates $2,000 medical coverage per person, which pays for injuries suffered by the driver or a passenger, regardless of fault.

All in all, it’s a lot of coverage considering Maine has the lowest average rates in the country.

Maine, like most states, is what’s known as a “fault” or “at-fault” state. This means fault is assigned in traffic accidents, and those involved typically have three courses of action: filing a claim through their own insurance carrier, filing a claim through the other party’s insurance company, or filing a personal injury lawsuit.

• $50,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
• $100,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
• $25,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

While Maine’s minimum required coverage can save you from serious expenses after an accident, it doesn’t foot the bill for a variety of costs in different situations. Carriers also sell all sorts of optional coverages to provide peace of mind and financial security for these circumstances. We’ve listed some common add-ons below. Take a look and talk to your representative about which would make sense for your vehicle and lifestyle. It’s a smart way to protect yourself over the long run.

What Is the Blood Alcohol Concentration (BAC) limit in Portland, ME?

It’s against the law to drive in Maine at the following BAC percentages:

• .08%+ at 21 years old or older
• .04%+ for commercial vehicle drivers
• .02%+ at under 21 years old

The State is harsh on underage drinkers who operate a motor vehicle. Under Maine’s OUI laws, if you’re under 21 and refuse a chemical test, your license is automatically suspended for 18 months. Also, if you have any measurable amount of alcohol in your system, you lose your license for 1 year. Plus, if you have a passenger in your vehicle who’s under the age of 21, the State tacks on an additional 180 days to this suspension.

What happens if my coverage lapses?

If you drive in Maine without active car insurance coverage, it’s going to cost you. Your fine will range from $100 to $500, plus your license will be temporarily suspended until you produce proof of coverage and shell out a little more for reinstatement fees—more than $130 when all’s said and done.