Compare Gardiner, ME Car Insurance Rates (2021)

Car insurance in Gardiner, ME averages $222 a month. Gardiner, Maine car insurance requirements are 50/100/25, but you might need full coverage insurance if your car is financed. To find cheap Gardiner car insurance rates, compare quotes from the top car insurance companies in Gardiner, ME.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Gardiner, ME are $2,664/year
  • The cheapest car insurance company in Gardiner is USAA
  • Average car insurance rates in Gardiner, ME after a DUI are $3,158/year

If you need to buy Gardiner, Maine car insurance, the options can be confusing. Everything you need to know about car insurance in Gardiner, ME is right here.

You’ll find Gardiner car insurance rates, the cheapest Gardiner, ME car insurance companies, and information on Maine car insurance laws. You can also compare Gardiner, Maine car insurance rates to Westbrook car insurance rates, Augusta car insurance rates, and Bangor car insurance rates.

Ready to find affordable Gardiner, ME car insurance today? Enter your ZIP code for fast, free Gardiner car insurance quotes.

Cheapest Gardiner, ME Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Gardiner, ME car insurance rates? Every Gardiner, Maine car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Gardiner, Maine

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 $1,830 $1,879 $1,649 $1,785 $4,641 $6,209 $1,984 $2,214
Farmers $1,705 $1,721 $1,610 $1,717 $5,704 $6,218 $2,032 $2,099
GEICO $1,032 $1,069 $1,032 $1,032 $2,542 $3,303 $1,126 $1,200
Liberty Mutual $3,014 $3,014 $2,872 $2,872 $6,340 $9,460 $3,014 $4,222
Progressive $1,854 $1,818 $1,854 $1,818 $7,755 $8,712 $2,159 $2,440
State Farm $1,388 $1,388 $1,318 $1,318 $4,521 $5,647 $1,555 $1,699
Travelers $1,206 $1,240 $1,091 $1,114 $4,936 $6,654 $1,182 $1,343
USAA $913 $898 $908 $886 $3,014 $3,323 $1,160 $1,212

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Minimum Car Insurance in Gardiner, ME

Every driver must carry the minimum car insurance in Gardiner, ME. Take a look at the Maine car insurance requirements.

Minimum Required Car Insurance Coverage in Gardiner, Maine

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 Gardiner, ME Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Gardiner, ME. Compare credit history car insurance rates in Gardiner from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Gardiner, Maine

Insurance Company Poor Fair Good
Allstate $3,489 $2,657 $2,176
Farmers $3,324 $2,723 $2,506
GEICO $2,075 $1,377 $1,174
Liberty Mutual $6,058 $3,925 $3,070
Progressive $4,014 $3,443 $3,197
State Farm $3,429 $2,048 $1,585
Travelers $2,764 $2,261 $2,012
USAA $2,015 $1,391 $1,212

Cheapest Gardiner, 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 Gardiner, ME to rates for a clean record with top companies.

Annual Gardiner, Maine Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,259 $3,072 $3,209 $2,557
Farmers $2,490 $3,177 $2,755 $2,982
GEICO $1,123 $1,578 $2,345 $1,123
Liberty Mutual $3,320 $3,923 $6,539 $3,622
Progressive $2,846 $4,809 $3,168 $3,382
State Farm $2,131 $2,577 $2,354 $2,354
Travelers $1,953 $2,172 $2,726 $2,531
USAA $1,166 $1,539 $2,169 $1,284

Cheapest Gardiner, ME Car Insurance for Teen Drivers

Teen car insurance in Gardiner, ME can be expensive. Take a look at rates from the top car insurance companies in Gardiner for teenagers.

Annual Car Insurance Rates for Teen Drivers in Gardiner, Maine

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $4,641 $6,209
Farmers $5,704 $6,218
GEICO $2,542 $3,303
Liberty Mutual $6,340 $9,460
Progressive $7,755 $8,712
State Farm $4,521 $5,647
Travelers $4,936 $6,654
USAA $3,014 $3,323

Cheapest Gardiner, ME Car Insurance for Seniors

Take a look at Gardiner, ME senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Gardiner, Maine

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,649 $1,785
Farmers $1,610 $1,717
GEICO $1,032 $1,032
Liberty Mutual $2,872 $2,872
Progressive $1,854 $1,818
State Farm $1,318 $1,318
Travelers $1,091 $1,114
USAA $908 $886

Cheapest Gardiner, ME Car Insurance Rates After a DUI

A DUI in Gardiner, ME increases car insurance rates. Compare Gardiner, Maine DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Gardiner, Maine

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,209
Farmers $2,755
GEICO $2,345
Liberty Mutual $6,539
Progressive $3,168
State Farm $2,354
Travelers $2,726
USAA $2,169

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Cheapest Gardiner, ME Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Gardiner, ME by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Gardiner, Maine

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,774 $2,774
Farmers $2,851 $2,851
GEICO $1,517 $1,567
Liberty Mutual $4,263 $4,439
Progressive $3,551 $3,551
State Farm $2,277 $2,431
Travelers $2,346 $2,346
USAA $1,496 $1,583

The Best Cheap Car Insurance Companies in Gardiner, ME

Take a look at a side-by-side comparison of the top car insurance companies in Gardiner, ME to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Gardiner, Maine

Insurance Company Average Annual Rates
Allstate $2,774
Farmers $2,851
GEICO $1,542
Liberty Mutual $4,351
Progressive $3,551
State Farm $2,354
Travelers $2,346
USAA $1,539

Category Winners: Cheapest Car Insurance in Gardiner, Maine

Find the cheapest car insurance companies in Gardiner, ME for each category right here.

Best Annual Car Insurance Rates by Company in Gardiner, Maine

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation GEICO

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Cheapest Gardiner, ME Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Gardiner car insurance rates. Find the cheapest Gardiner, ME car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Gardiner, Maine

Insurance Company Low Medium High
Allstate $2,734 $2,735 $2,853
Farmers $2,726 $2,745 $3,082
GEICO $1,511 $1,521 $1,595
Liberty Mutual $4,290 $4,290 $4,474
Progressive $3,477 $3,484 $3,692
State Farm $2,287 $2,327 $2,449
Travelers $2,303 $2,308 $2,426
USAA $1,505 $1,519 $1,594

What affects car insurance rates in Gardiner, Maine?

What factors can have an impact on Gardiner, ME car insurance? There are several reasons why Gardiner car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Gardiner, Maine.

Commute Time in Gardiner

The more time you spend in your car the higher the risk of an accident. The average commute length in Gardiner, ME is 26.2 minutes according to City-Data.

Compare Car Insurance Quotes in Gardiner, ME

Ready to find affordable Gardiner, Maine car insurance today? Enter your ZIP code for fast, free Gardiner, ME car insurance quotes.

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