Who Has Cheap Car Insurance Quotes for High Risk Drivers in Maine?

When buying insurance for high risk drivers, one of the key criteria that play a part in determining the policy price is where you normally keep your vehicle in Maine. Areas that are more densely populated or have higher claim rates like Ellsworth, Winslow, and Old Town tend to pay more, whereas areas with less people or fewer weather incidents generally have lower rates.

The following table ranks the priciest cities in Maine for high risk drivers to buy an auto insurance policy in.

Price information shown is estimated as the specific garaging location can increase or decrease price quotes greatly.

Finding reasonably-priced auto insurance is not the easiest thing to do, and deciding which companies offer the lowest-priced auto insurance rates for high risk drivers will involve more quotes for comparison. Rates will more than likely be quite a bit higher than the average price in Maine, with the extra cost attributed to the potentially higher risk related to offering insurance for high risk drivers, but competitively-priced insurance should be obtainable if you find the right company.

Each auto insurance company uses a different method to determine rates, so let’s begin by taking a look at the auto insurance companies that tend to be cheaper in Maine.

Cheapest Insurance Rates for Risky Drivers

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Travelers generally has some of the best car insurance rates in Maine at around $612 each year. USAA, Countryway Insurance, Vermont Mutual, and Patriot also rank well as some of the best Maine auto insurance companies.

As shown in the rates above, if you are insured with Vermont Mutual and switched to Travelers, you may realize a yearly savings of roughly $88. Customers with Patriot might save as much as $126 a year, and The Hartford insureds might reduce rates by $138 a year.

Bear in mind that those prices are averaged across all types of insureds and vehicles and and are not calculated with a rate surcharge for high risk drivers. So the insurer that can offer the best rates for your situation may not even be shown in the list of companies shown earlier. That’s why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.

The vehicle requiring coverage is one of the primary factors when quoting cheap auto insurance for high risk drivers in Maine. Vehicles with high performance engines, poor passenger safety features, or high incidents of liability claims will cost significantly more to insure than safer models. The data below shows coverage premiums for some of the more afforable automobiles to buy insurance for.

Data assumes single female driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and Maine minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Price information does not factor in vehicle location which can affect insurance rates substantially.

Based on these rates, we can presume that makes and models like the Chevrolet Traverse, Honda CR-V, and Ford Escape are likely to be the less-costly vehicles to insure for high risk drivers. The price for car insurance will tend to be higher because there is more claim exposure for high risk drivers, but generally speaking those particular models will have the lowest prices available.

Driving violations and accidents

A great way to find cheap auto insurance for high risk drivers in Maine is to drive attentively and avoid accidents and keep your driving record clean. The example below illustrates how speeding tickets and at-fault claims can drive up insurance premiums for each different age group. The premium estimates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 1963,2325,3843],[‘Age 30’, 1025,1387,2907],[‘Age 40’, 1003,1365,2885],[‘Age 50’, 919,1279,2803],[‘Age 60’, 891,1253,2779],[‘Age 70’, 1113,1475,2997]]);var options = {title: ‘Effect of Tickets and Claims on Maine Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Maine’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data in the chart shows the average cost of auto insurance per year with no accidents or violations is $1,152. Get written up for two speeding tickets and the average cost swells to $1,514, an increase of $362 each year. Now include two accidents along with the two speeding tickets and the annual cost of auto insurance for high risk drivers increases to an average of $3,036. That’s an increase of $1,883, or $157 per month, just for not keeping your driving record clean!

The information below highlights how deductible choice can increase or decrease premium costs when quoting cheap insurance for high risk drivers. The information is based on a single male driver, comp and collision included, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2719,2475,2211,1963],[‘Age 30’, 1389,1275,1149,1025],[‘Age 40’, 1387,1265,1131,1003],[‘Age 50’, 1259,1153,1033,919],[‘Age 60’, 1219,1115,1001,891],[‘Age 70’, 1485,1365,1235,1113]]);var options = {title: ‘Effect of Deductibles on Auto Insurance Prices in Maine’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 30-year-old driver could cut expenses by $256 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $384 by using a $1,000 deductible. Young drivers, like the 20-year-old category, can save as much as $756 or even more by selecting a higher deductible. When insureds make the decision to increase the deductibles on their policy, it will be required to have spare funds to cover the extra out-of-pocket expense that comes with higher deductibles.