Best Cheap Auto Insurance Quotes for Uninsured Drivers in Maine

When buying auto insurance for drivers with no prior coverage, one of the key components that auto insurance companies take into consideration when calculating a rate quote is where your residence is in Maine. Areas with more people like Ellsworth, Winslow, and Waterville tend to have more expensive auto insurance rates, whereas areas with less traffic congestion and claims generally pay lower auto insurance rates.

The following table lists the most costly cities in Maine for uninsured drivers to buy auto insurance in.

Rates are approximated as the specific zip code location can influence prices significantly.

The vehicle you are trying to insure is a large factor when looking for the best cheap auto insurance for uninsured drivers in Maine. Vehicles with limited top-end speed, a plethora of safety features, or a low likelihood of liability claims will cost much less to insure than adrenaline junky models.

The next table ranks auto insurance prices for a number of the most budget-friendly automobiles to buy insurance for.

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Maine minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Estimates do not factor in specific location information which can influence insurance rates significantly.

Based upon the rates shown, we can conclude that vehicles like the Ford Escape, Chevrolet Traverse, Honda CR-V, Honda Accord, and Subaru Outback will definitely be a few of the most affordable vehicles to insure for drivers with no prior coverage.

Shopping around for cost effective auto insurance is not easy, and deciding which insurers offer the cheapest car insurance rates for uninsured drivers will require a little more work. Each company has their own guidelines for determining rates, so let’s begin by examining the most competitive car insurance companies in Maine.

It’s important to understand that Maine car insurance rates are calculated based on many things which can substantially change the cost of your policy. Turning one year older, increasing deductibles, or getting caught speeding may generate price changes resulting in some companies being more expensive than before.

Best Insurance Companies in Maine

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Travelers may have some of the cheapest car insurance rates in Maine at around $606 each year. USAA, Countryway Insurance, Vermont Mutual, and Patriot are also some of the cheaper Maine insurance companies.

As shown above, if you have coverage with Countryway Insurance and switched to Travelers, you could see a yearly price reduction of about $86. Policyholders with Vermont Mutual could save as much as $94 a year, and Patriot insureds might lower prices by $125 a year.

To find out how much you can save, click here to start your free quote or quote prices from the following companies.

Remember that these estimates are averages across all types of drivers and the different vehicles they drive and do not factor in a rate decrease for uninsured drivers. So the auto insurance company that fits your needs best may not even be included in the company chart above. That’s why you need to get car insurance quotes using your own driver data and vehicle information.

Cost comparison with and without full coverage

Finding the best cheap auto insurance for uninsured drivers in Maine should be important to the majority of vehicle owners, and one great way to find cheaper insurance is to not pay for full coverage. The information below visualizes the comparison of premium costs with full physical damage coverage compared to only buying liability only. The premiums assume no accidents or driving violations, $500 deductibles, drivers are not married, and no policy discounts are applied.

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As an average for all age groups, full coverage on your policy costs $1,293 per year more than just insuring for liability. Many of you may wonder if you should buy full coverage at all. There isn’t a steadfast formula to stop buying physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

Best rates: Progressive, Allstate, State Farm, or Geico

If you’re looking for the cheapest car insurance, four companies to take a look at are Progressive, Allstate, State Farm, and Geico. Between them, they insure about 50% of all auto insurance policies in force. The data below ranks some of the different options and features that are available.