How Much Does Auto Insurance Cost for Hybrid Vehicles in Maine?

Comparing quotes for low-cost auto insurance is not the easiest thing to do, and determining which company quotes the cheapest car insurance rates for hybrid vehicles involves a little more work. Every auto insurer has their own unique process for filing rates in each state, so let’s take a look at the car insurance companies that tend to be cheaper in Maine.

Keep in mind that Maine car insurance rates are determined by lots of factors which can substantially change the cost of your policy. This price fluctuation is why Maine drivers need to compare many different companies to get cheap insurance quotes for hybrid vehicles. Insurance rates are impacted by many factors and can change without notice, so the cheapest option when you bought your policy may now be costing you a lot of money.

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Travelers has some of the lowest car insurance rates in Maine at around $624 per year. USAA, Vermont Mutual, Countryway Insurance, and Patriot also rank well as some of the lowest-priced Maine car insurance companies.

In this example, if you are a customer of USAA and switched to Travelers, you could realize annual savings of about $17. Maine drivers with Vermont Mutual could save as much as $69 a year, and Countryway Insurance policyholders might lower prices by up to $75 a year.

To see if your current coverage is too expensive, click here to get quotes or quote prices from the following companies.

Understand that those premiums are averages across all drivers and vehicles in Maine and do not take into consideration a price discount for hybrid vehicles. So the insurer that is best for you may not even be shown in the list of companies above. That helps illustrate why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

When shopping for auto insurance for hybrids, one of the many things that play a part in determining the price of your policy is where you normally keep your vehicle. Cities with more crime and/or more people like Ellsworth, Skowhegan, and Lewiston tend to have higher auto insurance costs, whereas more rural areas have the benefit of cheap insurance for hybrid vehicles in Maine.

The table below rates the most costly cities in Maine for hybrid vehicles in which to buy car insurance.

Annual rates are approximated as specific Maine zip code can revise premiums considerably.

The car, truck, or SUV needing coverage is a significant factor that determines the availablility of cheaper auto insurance for hybrid vehicles. Vehicles with lower acceleration and performance, advanced safety features, or a low likelihood of liability claims will cost substantially less to insure than fast, unsafe models. The list below outlines coverage prices for a handful of the most budget-friendly automobiles to buy coverage for.

Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Maine minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rates do not factor in zip code location which can increase or decrease rates noticeably.

Based upon the rates shown, we can expect makes and models like the Chevrolet Traverse, Hyundai Tucson, Kia Forte, Honda CR-V, and Ford Escape will be some of the most economical vehicles to insure for hybrids.

Responsible drivers pay cheaper Maine car insurance rates

In a perfect world, the best way to snag the cheapest car insurance rates for hybrids is to be a good driver and not have accidents or get tickets. The information below demonstrates how speeding tickets and at-fault fender-benders can influence annual premium costs for different insured age categories. The rate quotes are based on a married male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

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In the chart above, the average cost of a car insurance policy per year with no accidents or violations is $993. Get one speeding ticket and the average cost surges to $1,142, an increase of $149 each year. Now add two accidents along with the one speeding ticket and the 12-month cost of car insurance for hybrid vehicles goes up to an average of $2,537. That’s an increase of $1,544, or $129 per month, just for not keeping your driving record clean!

Types of discounts on Maine auto insurance

Car insurance companies that provide cheap insurance for hybrid vehicles in Maine may also offer discounts that may potentially lower prices by as much as 35% or more if you meet specific eligibility requirements. Large car insurance companies and the discounts they provide can be found below.

• Farmers Insurance may offer discounts for youthful driver, alternative fuel, business and professional, teen driver, good student, switch companies, and bundle discounts.
• Esurance discounts include good student, Switch & Save, safety device, homeowner, paid-in-full, and DriveSense.
• State Farm includes discounts for defensive driving training, anti-theft, good driver, driver’s education, passive restraint, and good student.
• GEICO offers discounts for air bags, daytime running lights, federal employee, membership and employees, seat belt use, military active duty, and multi-vehicle.
• Allstate may have discounts that include premier discount, safe driver, teenSMART discount, multi-policy, farm vehicle, and anti-theft.

The information below illustrates the difference between insurance costs with and without discounts applied to the premium. The rate quotes are based on a male driver, no violations or accidents, Maine state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with defensive driving course, multiple policy, marriage, multiple vehicle, claim-free, and accident-free discounts applied. When drivers qualify for the discounts, the average savings per year on car insurance for hybrid vehicles is 27% or $296.

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Allstate, State Farm, Progressive, and Geico compared

If you’re looking for the cheapest auto insurance for hybrids in Maine, four good companies to start with are Allstate, State Farm, Progressive, and Geico. Each company has a different combination of discounts, features, and options that may steer you one way or another. The data below compares some of the different features offered by each company.