Compare Calais, ME Car Insurance Rates [2024]
Car insurance in Calais, ME averages $227 a month. Calais, Maine car insurance requirements are 50/100/25, but you might need full coverage insurance if your car is financed. To find cheap Calais car insurance rates, compare quotes from the top car insurance companies in Calais, ME.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Dec 31, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 31, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Calais, ME are $2,727/year
- The cheapest car insurance company in Calais for teen drivers is Geico
- Average car insurance rates in Calais, ME after a DUI are $3,196/year
If you need to buy Calais, Maine car insurance, the options can be confusing. Everything you need to know about car insurance in Calais, ME is right here.
You’ll find Calais car insurance rates, the cheapest Calais, ME car insurance companies, and information on Maine car insurance laws. You can also compare Calais, Maine car insurance rates to Lewiston car insurance rates, Auburn car insurance rates, and Saco car insurance rates.
Ready to find affordable Calais, ME car insurance today? Enter your ZIP code for fast, free Calais car insurance quotes.
Cheapest Calais, ME Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Calais, ME car insurance rates? Every Calais, Maine car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $1,736 | $1,789 | $1,549 | $1,683 | $4,237 | $5,679 | $1,901 | $2,133 |
| Farmers | $1,886 | $1,906 | $1,755 | $1,898 | $5,767 | $6,474 | $2,196 | $2,281 |
| Geico | $1,018 | $1,055 | $1,018 | $1,018 | $2,429 | $3,165 | $1,109 | $1,189 |
| Liberty Mutual | $3,089 | $3,089 | $2,941 | $2,941 | $6,588 | $9,870 | $3,089 | $4,360 |
| Progressive | $2,171 | $2,129 | $2,171 | $2,129 | $9,028 | $10,155 | $2,532 | $2,872 |
| State Farm | $1,342 | $1,342 | $1,263 | $1,263 | $4,249 | $5,296 | $1,496 | $1,639 |
| Travelers | $1,179 | $1,220 | $1,068 | $1,091 | $4,714 | $6,375 | $1,170 | $1,350 |
| USAA | $929 | $921 | $922 | $905 | $3,003 | $3,324 | $1,186 | $1,256 |
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Minimum Car Insurance in Calais, ME
Every driver must carry the minimum car insurance in Calais, ME. Take a look at the Maine car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $50,000 per person $100,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Calais, ME Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Calais, ME. Compare credit history car insurance rates in Calais from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,254 | $2,475 | $2,035 |
| Farmers | $3,524 | $2,884 | $2,654 |
| Geico | $2,019 | $1,339 | $1,142 |
| Liberty Mutual | $6,260 | $4,056 | $3,172 |
| Progressive | $4,696 | $4,019 | $3,730 |
| State Farm | $3,257 | $1,945 | $1,506 |
| Travelers | $2,673 | $2,190 | $1,950 |
| USAA | $2,048 | $1,402 | $1,218 |
Cheapest Calais, ME Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Calais, ME to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,124 | $2,860 | $2,977 | $2,392 |
| Farmers | $2,642 | $3,366 | $2,917 | $3,156 |
| Geico | $1,086 | $1,535 | $2,292 | $1,086 |
| Liberty Mutual | $3,489 | $4,079 | $6,632 | $3,784 |
| Progressive | $3,326 | $5,612 | $3,701 | $3,954 |
| State Farm | $2,032 | $2,440 | $2,236 | $2,236 |
| Travelers | $1,895 | $2,106 | $2,631 | $2,451 |
| USAA | $1,185 | $1,554 | $2,180 | $1,303 |
Cheapest Calais, ME Car Insurance for Teen Drivers
Teen car insurance in Calais, ME can be expensive. Take a look at rates from the top car insurance companies in Calais for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $4,237 | $5,679 |
| Farmers | $5,767 | $6,474 |
| Geico | $2,429 | $3,165 |
| Liberty Mutual | $6,588 | $9,870 |
| Progressive | $9,028 | $10,155 |
| State Farm | $4,249 | $5,296 |
| Travelers | $4,714 | $6,375 |
| USAA | $3,003 | $3,324 |
Cheapest Calais, ME Car Insurance for Seniors
Take a look at Calais, ME senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,549 | $1,683 |
| Farmers | $1,755 | $1,898 |
| Geico | $1,018 | $1,018 |
| Liberty Mutual | $2,941 | $2,941 |
| Progressive | $2,171 | $2,129 |
| State Farm | $1,263 | $1,263 |
| Travelers | $1,068 | $1,091 |
| USAA | $922 | $905 |
Cheapest Calais, ME Car Insurance Rates After a DUI
A DUI in Calais, ME increases car insurance rates. Compare Calais, Maine DUI car insurance by company to find the cheapest option.
Read more: What are the DUI insurance laws in Maine?
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $2,977 |
| Farmers | $2,917 |
| Geico | $2,292 |
| Liberty Mutual | $6,632 |
| Progressive | $3,701 |
| State Farm | $2,236 |
| Travelers | $2,631 |
| USAA | $2,180 |
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Cheapest Calais, ME Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Calais, ME by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $2,588 | $2,588 |
| Farmers | $3,021 | $3,021 |
| Geico | $1,475 | $1,524 |
| Liberty Mutual | $4,403 | $4,589 |
| Progressive | $4,148 | $4,148 |
| State Farm | $2,163 | $2,309 |
| Travelers | $2,271 | $2,271 |
| USAA | $1,511 | $1,600 |
The Best Cheap Car Insurance Companies in Calais, ME
Take a look at a side-by-side comparison of the top car insurance companies in Calais, ME to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $2,588 |
| Farmers | $3,021 |
| Geico | $1,500 |
| Liberty Mutual | $4,496 |
| Progressive | $4,148 |
| State Farm | $2,236 |
| Travelers | $2,271 |
| USAA | $1,556 |
Category Winners: Cheapest Car Insurance in Calais, Maine
Find the cheapest car insurance companies in Calais, ME for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | USAA |
| With 1 Speeding Violation | Geico |
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Cheapest Calais, ME Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Calais car insurance rates. Find the cheapest Calais, ME car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $2,558 | $2,559 | $2,647 |
| Farmers | $2,901 | $2,918 | $3,242 |
| Geico | $1,474 | $1,481 | $1,545 |
| Liberty Mutual | $4,447 | $4,447 | $4,594 |
| Progressive | $4,066 | $4,073 | $4,306 |
| State Farm | $2,182 | $2,214 | $2,312 |
| Travelers | $2,236 | $2,240 | $2,337 |
| USAA | $1,528 | $1,539 | $1,600 |
What affects car insurance rates in Calais, Maine?
What factors can have an impact on Calais, ME car insurance? There are several reasons why Calais car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Calais, Maine.
Commute Time in Calais
The more time you spend in your car the higher the risk of an accident. The average commute length in Calais, ME is 16.8 minutes according to City-Data.
Traffic in Calais
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Calais, ME traffic data from INRIX ranks Calais as the 949th-most congested in the world.
Compare Car Insurance Quotes in Calais, ME
Ready to find affordable Calais, Maine car insurance today? Enter your ZIP code for fast, free Calais, ME car insurance quotes.
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Frequently Asked Questions
How can I compare car insurance rates in Calais, ME?
Comparing car insurance rates in Calais, ME can be done by following these steps:
- Gather information: Collect details about your vehicle, driving history, and desired coverage limits.
- Research insurance companies: Look for reputable insurance providers that offer coverage in Calais, ME.
- Obtain quotes: Contact insurance companies directly or use online comparison tools to request quotes.
- Provide accurate information: Ensure you provide accurate and complete details to receive accurate quotes.
- Review coverage options: Compare the coverage options, deductibles, and limits offered by different insurers.
- Consider additional factors: Take into account factors such as customer service, financial stability, and discounts.
- Choose the best option: Select a car insurance policy that meets your needs and budget.
What factors affect car insurance rates in Calais, ME?
Several factors can influence car insurance rates in Calais, ME. These include:
- Age and gender: Younger drivers and males often have higher rates.
- Driving record: A history of accidents or traffic violations can increase premiums.
- Vehicle type: The make, model, and age of your car can impact rates.
- Coverage and deductibles: Higher coverage limits and lower deductibles may result in higher premiums.
- Location: Where you live in Calais, ME, can affect rates due to crime rates and traffic patterns.
- Credit history: Insurers may consider your credit score when determining rates.
- Annual mileage: The number of miles you drive annually can affect your premium.
- Insurance history: Your prior insurance coverage and any lapses in coverage may impact rates.
Are there any discounts available for car insurance in Calais, ME?
Yes, many car insurance companies in Calais, ME offer various discounts that can help lower your premiums. Common discounts include:
- Good driver discount: Reward for maintaining a clean driving record.
- Multi-policy discount: Discount for bundling multiple policies with the same insurer.
- Good student discount: Available for students who maintain good grades.
- Safety features discount: Reduction for having safety features like anti-lock brakes or airbags.
- Low mileage discount: Discount for driving fewer miles than average.
- Anti-theft device discount: Reduction for having anti-theft devices installed in your vehicle.
- Defensive driving course discount: Discount for completing an approved defensive driving course.
- Loyalty discount: Offered to policyholders who stay with the same insurer for an extended period.
Can I change my car insurance policy in Calais, ME?
Yes, you have the flexibility to change your car insurance policy in Calais, ME. However, certain factors may come into play, such as:
- Policy renewal: You can make changes to your policy when it’s up for renewal.
- Mid-term changes: Some insurers allow mid-term changes, but there may be fees or limitations.
- Coverage options: You can typically adjust your coverage limits, deductibles, and add or remove coverage options.
- Switching insurers: If you find a better option, you can switch to a different insurance company at any time.
Are there any specific requirements for car insurance in Calais, ME?
Yes, Calais, ME, like most places, has specific requirements for car insurance. In Maine, the minimum required coverage includes:
- Bodily injury liability coverage: $50,000 per person and $100,000 per accident.
- Property damage liability coverage: $25,000 per accident.
- Uninsured/underinsured motorist coverage: $50,000 per person and $100,000 per accident.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.