Cheap Car Insurance for 17 Year Olds in Maine

The make and model of vehicle you are buying coverage for is probably the largest consideration that determines whether or not you find low-priced car insurance for 17 year olds. Vehicles with high performance features, poor safety ratings, or a history of substantial liability claims will cost more to insure than safer models.

The next table ranks coverage premiums for a number of the most economical automobiles to buy coverage for.

Data based on single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Maine minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in specific location which can revise coverage rates considerably.

Based upon the rates shown, we can presume that models like the Honda CR-V, Honda Accord, Ford Escape, Ford F-150, and Chevrolet Traverse are going to be a few of the more affordable vehicles to insure for teen drivers. Prices will be more costly just due to the fact that there is a higher risk for 17 year olds, but overall those vehicles will tend to have the least expensive rates that you are likely to find.

Determining which company has the cheapest car insurance rates for 17 year olds takes more time in order to find the best price. Every car insurance company has a unique approach for determining rates in each state, so let’s take a look at the most competitive car insurance companies in Maine.

It’s a good idea to know that Maine car insurance rates are based on many factors that control the cost of a policy. Improving your credit score, increasing deductibles, or getting caught speeding can trigger changes in premium that may make certain companies cheaper than before.

Cheapest Insurance Rates for Teens

Compare Rates and Save

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Travelers may offer some of the most affordable car insurance rates in Maine at around $630 a year. USAA, Vermont Mutual, Patriot, and Countryway Insurance also are some of the more affordable Maine car insurance companies.

As the rates illustrate above, if you currently have coverage with USAA and switched to Travelers, you may see a yearly price reduction of upwards of $18. Drivers with Vermont Mutual may save as much as $70 a year, and Patriot insureds might see rate reductions of $87 a year.

Be aware that those rates are averages across all ages of drivers and types of vehicles and do not take into consideration a price surcharge for 17 year olds. So the car insurance company that is most affordable for your situation may not even be shown in the chart above. That affirms the importance of why you need to compare rates from multiple companies using your own specific driver and vehicle information.

When shopping for cheaper insurance for teen drivers, one of the many criteria that play a part in determining the price of your policy is where your home is located in Maine. Regions with more people or even just more weather-related claims like Lewiston, Orono, and Skowhegan likely pay more, whereas areas with less congestion have the benefit of cheaper auto insurance prices.

The table below lists the higher priced cities in Maine for 17 year olds to purchase auto insurance in.

Rate information is estimated as zip code location can alter auto insurance rates considerably.

How violations and accidents impact rates

In a perfect world, the best way to receive good car insurance prices in Maine for teen drivers is to drive safe and avoid accidents and traffic citations. The chart below illustrates how violations and accident claims can raise premium costs for different age categories. The costs are based on a married female driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.

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In the chart above, the average cost of an auto insurance policy per year with no violations or accidents is $913. Add in two speeding tickets and the average cost hikes up to $1,294, an increase of $381 each year. Now throw in one accident along with the two speeding tickets and the annual cost of car insurance for 17 year olds increases to an average of $1,677. That’s an increase of $764, or $64 per month, just for not paying attention while driving!

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

When researching auto insurance, the companies with the most market share are Progressive, Geico, State Farm, and Allstate. The next table shows some of the ratings and options that are available.

Ideas for finding low-cost car insurance for 17 year olds

The list below shows a few penny-pinching solutions that can help you find cheap coverage.

• Do not get traffic violations
• Choose a safer vehicle and pay lower rates
• Having at-fault accidents will increase rates
• If possible, do not file small claims
• Pay cheaper rates with good credit scores
• Compare quotes from other companies often

The last tip in the list is certainly critical, as was affirmed in the prior article. Car insurance rates in Maine adjust often, so you should be ready to buy from a new company if a lower-cost policy is available.

Many consumers stick with the same company and that’s fine, but it isn’t a good idea if that dedication is costing thousands of dollars over the life of your policy. Take a couple minutes and compare rates and find cheaper insurance for 17 year olds.