How Much are Car Insurance Quotes for Drivers with Accidents in Maine?

Finding good, low-cost car insurance is challenging, and figuring out which companies quote the most affordable insurance rates for drivers with accidents may require even more work. Rates may be a little bit higher than the average rate in Maine, with the extra cost attributed to the additional risk related to offering insurance for drivers with at-fault accidents, but economical insurance should be available if you thoroughly shop around. Each insurer has their own unique process to set premium rates, so we’ll take a look at the insurance companies with the overall best prices in Maine.

Best Insurance Companies for Accident Prone Drivers

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USAA offers some of the most affordable car insurance rates in Maine at around $622 each year. Travelers, Countryway Insurance, Patriot, and Vermont Mutual are also some of the cheapest Maine insurance companies.

As depicted above, if you currently have a policy with Patriot and switched to Travelers, you might achieve a yearly price reduction of about $93. Maine drivers with Vermont Mutual may save as much as $97 a year, and The Hartford insureds might realize rate reductions of up to $118 a year.

Remember that these premium estimates are averaged across all types of insureds and vehicles and and are not figured with a rate surcharge for drivers with accidents. So the auto insurance company that can offer the best rates for your situation may not even be included in the list above. That emphasizes why you need to compare rates from multiple companies using your own specific driver and vehicle information.

The vehicle driven is one of the main factors that determines whether or not you find cheap insurance for drivers with accidents in Maine. Vehicles with lower performance, good safety features, or low incidents of liability claims will cost substantially less to insure than high performance models. The information below shows insurance costs for the cheaper automobiles to insure in Maine.

Premium data assumes single female driver age 50, no speeding tickets, two at-fault accidents, $500 deductibles, and Maine minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Rate information does not factor in specific location information which can influence auto insurance rates significantly.

Based on these rates, you can presume that models like the Chevrolet Traverse, Ford Escape, Honda CR-V, Honda Accord, and Toyota Prius will be some of the less-costly vehicles to insure for drivers with at-fault accidents. Rates will be more expensive just due to the fact that there is a higher risk for drivers with accidents, but in general those specific models will have the cheapest car insurance rates that you are likely to find.

For drivers with at-fault accidents, one of the big considerations that is used by insurance companies to determine the policy price is the neighborhood you call home in Maine. Regions with larger populations or more claims like Skowhegan, Waterville, and Ellsworth will most likely have higher rates, whereas areas that tend to be more rural benefit from lower rates.

The table below sorts the highest-priced places in Maine for drivers with accidents to purchase a policy in.

Price information shown is estimated as specific Maine garaging address can affect insurance rates substantially.

Reckless driving habits raise Maine insurance rates

The common sense way to maintain cheap insurance for drivers with accidents in Maine is to drive carefully and avoid traffic citations and accidents. The diagram below shows how traffic citations and at-fault collisions drive up car insurance rates for different ages of insureds. The price estimates are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

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In the previous example, the average cost of a car insurance policy in Maine per year with a clean driving record and no accidents is $925. Add in one speeding ticket and the average cost rises to $1,061, an increase of $136 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of insurance for drivers with accidents increases to an average of $2,231. That’s an increase of $1,306, or $109 per month, just for not paying attention while driving!

The information below shows how choosing a deductible can raise or lower yearly insurance costs when researching cheap insurance for drivers with accidents. Data assumes a married male driver, full coverage, and no additional discounts are factored in.

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A 40-year-old driver could lower their car insurance rates by $192 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $288 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old category, could reduce their rates as much as $646 or even more by using higher deductibles when buying full coverage. If you do make the decision to raise your deductibles, it will be necessary to have enough spare savings to be able to cover the extra out-of-pocket expense that is associated with using high deductibles.

Which auto insurance company is best?

When comparing rates for auto insurance for drivers with at-fault accidents, the top insurers to get price quotes from are Allstate, State Farm, Progressive, and Geico. If you put them all together, they insure almost half of the entire U.S. auto insurance market. The next table compares price and claims rank as well as some different options that policyholders can buy.

Who has the cheapest insurance quotes for drivers with at-fault accidents?

You have a lot of ways to find lower-cost insurance in Maine, but the most prevalent ways are through an independent agent, an exclusive insurance agency such as Liberty Mutual or Allstate, or direct either online or via phone. Each way has the same basic process, but it’s important to understand the differences in how they provide price quotes.

Independent insurance agencies have contracts with many companies and can get rate quotes from each one. They can quote with many companies and give you a larger rate selection, which can help you get the best chance of saving money. If a cheaper rate is found, your policy can be moved which requires no work on your part.

An agent who is captive is restricted to a single company, two examples being an Auto-Owners or State Farm agent. These agents are unable to give you multiple price quotes, so it’s a take it or leave it situation.

Buying direct means you do not use a local agent and instead buy from a direct company like Geico or Esurance. Buying direct can be a good choice for consumers who have little risk and know how their policy works.

So which of those three methods works best for finding cheap insurance for drivers with accidents in Maine? We wish we could say shopping direct results in the cheapest price since there is no middleman, but unfortunately, that is not always true. We’d also like to say an independent agency can save the most money due to increased selection, but again, it’s not a sure thing. In the right set of circumstances, exclusive agencies may have prices that cannot be beaten by either independent or direct companies.

Because it’s impossible to say who has the best insurance rates, the best method to ensure the lowest rates is to get quotes and compare the rates. If you have the time, get prices from all three types to have the best selection of rates to choose from. A great place to start is our list of online companies offering discounts: click here to view.