How Much Does Auto Insurance Cost After a Speeding Ticket in Maine?

Since we’re writing about car insurance, the words “cheap” or “affordable” should not be used as a descriptor for auto insurance rates. Nonetheless, cheap car insurance after a speeding ticket just does not exist. Don’t let that spoil your day, because we are going to show you some ways you can get car insurance that is cheaper than what you are paying now.

Deciding which insurers offer the best auto insurance rates after a speeding ticket calls for a little more work than just comparing a company or two.

Every auto insurer has a unique approach to determine rates, so let’s take a look at the most affordable auto insurance companies in Maine. It’s a good idea to know that Maine auto insurance rates are based on many factors which can significantly increase or decrease the price you pay. Getting older, buying a home, or getting a DUI can trigger rate changes resulting in some companies being much cheaper than others.

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Travelers may have some of the lowest car insurance rates in Maine at around $612 per year. USAA, Vermont Mutual, Countryway Insurance, and The Hartford also rank well as some of the most economical Maine auto insurance companies.

As the example above demonstrates, if you are insured with The Hartford and switched to USAA, you might see an annual savings of around $99. Policyholders with Patriot may save as much as $109 a year, and MetLife insureds might lower prices by $173 a year.

These premiums are averages across all types of drivers and the different vehicles they drive and are not factoring in a rate discount after a speeding ticket. So the car insurance company that is best for you may not even be shown in the company chart above. That helps illustrate why you need to quote rates from many companies using your own driver and vehicle profiles.

When shopping for cheaper auto insurance after a few driving violations, one of the many criteria that play a part in determining the policy price is where you call home. More populated areas like Auburn, Waterville, and Lewiston tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper auto insurance prices.

The illustration below shows the most costly cities in Maine after a speeding ticket in which to purchase auto insurance.

Information shown are approximated as specific Maine zip code can change coverage rates significantly.

The safety and performance level of the vehicle that needs insurance is a large factor that determines whether or not you find cheap insurance after a speeding ticket in Maine. Vehicles with more horsepower, poor passenger safety features, or a high likelihood of having liability claims will cost much more to insure than more economical and safe models.

The lists below features coverage rates for a number of the more afforable automobiles to insure in Maine.

Data variables include single female driver age 50, two speeding tickets, no at-fault accidents, $1000 deductibles, and Maine minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, and multi-policy. Information does not factor in your specific Maine location which can impact coverage rates greatly.

Table data assumes single female driver age 50, two speeding tickets, no at-fault accidents, $1000 deductibles, and Maine minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, and homeowner. Price information does not factor in specific garaging location which can raise or lower coverage rates noticeably.

Table data assumes single female driver age 50, two speeding tickets, no at-fault accidents, $1000 deductibles, and Maine minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in vehicle location which can increase or decrease prices greatly.

Who is cheaper: Geico, Allstate, State Farm, or Progressive?

When comparing rates for car insurance after a few driving violations in Maine, four companies to definitely compare rates with are Geico, Allstate, State Farm, and Progressive. Combined they have over 45% of all auto insurance policies in force. All of them offer physical damage and liability coverage, but each has slightly different options that you can select from. The next table breaks down price and claims rank as well as some different options that policyholders can buy.