Compare Waterville, ME Car Insurance Rates (2021)

Car insurance in Waterville, ME averages $227 a month. Waterville, Maine car insurance requirements are 50/100/25, but you might need full coverage insurance if your car is financed. To find cheap Waterville car insurance rates, compare quotes from the top car insurance companies in Waterville, ME.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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

  • The cheapest car insurance company in Waterville is USAA
  • The cheapest car insurance company in Waterville for teen drivers is GEICO
  • Average car insurance rates in Waterville, ME after a DUI are $3,257/year

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

You’ll find Waterville car insurance rates, the cheapest Waterville, ME car insurance companies, and information on Maine car insurance laws. You can also compare Waterville, Maine car insurance rates to Portland car insurance rates, Sanford car insurance rates, and South Portland car insurance rates.

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

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

How do age, gender, and marital status affect Waterville, ME car insurance rates? Every Waterville, 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 Waterville, 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 $1,775 $1,822 $1,596 $1,729 $4,482 $6,012 $1,928 $2,154
Farmers $1,763 $1,779 $1,662 $1,774 $5,855 $6,395 $2,097 $2,167
GEICO $1,102 $1,141 $1,102 $1,102 $2,718 $3,531 $1,203 $1,282
Liberty Mutual $3,363 $3,363 $3,206 $3,206 $7,075 $10,556 $3,363 $4,710
Progressive $1,910 $1,873 $1,910 $1,873 $7,981 $8,963 $2,221 $2,501
State Farm $1,380 $1,380 $1,305 $1,305 $4,439 $5,538 $1,543 $1,688
Travelers $1,126 $1,163 $1,021 $1,044 $4,620 $6,232 $1,110 $1,268
USAA $908 $894 $903 $882 $2,991 $3,299 $1,154 $1,210

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Minimum Car Insurance in Waterville, ME

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

Minimum Required Car Insurance Coverage in Waterville, 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 Waterville, ME Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Waterville, Maine

Insurance Company Poor Fair Good
Allstate $3,378 $2,574 $2,110
Farmers $3,417 $2,806 $2,586
GEICO $2,217 $1,471 $1,255
Liberty Mutual $6,762 $4,380 $3,424
Progressive $4,128 $3,543 $3,292
State Farm $3,383 $2,020 $1,564
Travelers $2,587 $2,119 $1,887
USAA $2,006 $1,382 $1,203

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

Annual Waterville, Maine Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,188 $2,975 $3,109 $2,477
Farmers $2,566 $3,272 $2,839 $3,069
GEICO $1,199 $1,686 $2,506 $1,199
Liberty Mutual $3,697 $4,375 $7,312 $4,036
Progressive $2,927 $4,952 $3,260 $3,478
State Farm $2,106 $2,539 $2,322 $2,322
Travelers $1,830 $2,034 $2,557 $2,372
USAA $1,160 $1,530 $2,153 $1,277

Cheapest Waterville, ME Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Waterville, Maine

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $4,482 $6,012
Farmers $5,855 $6,395
GEICO $2,718 $3,531
Liberty Mutual $7,075 $10,556
Progressive $7,981 $8,963
State Farm $4,439 $5,538
Travelers $4,620 $6,232
USAA $2,991 $3,299

Cheapest Waterville, ME Car Insurance for Seniors

Take a look at Waterville, 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 Waterville, Maine

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,596 $1,729
Farmers $1,662 $1,774
GEICO $1,102 $1,102
Liberty Mutual $3,206 $3,206
Progressive $1,910 $1,873
State Farm $1,305 $1,305
Travelers $1,021 $1,044
USAA $903 $882

Cheapest Waterville, ME Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Waterville, Maine

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,109
Farmers $2,839
GEICO $2,506
Liberty Mutual $7,312
Progressive $3,260
State Farm $2,322
Travelers $2,557
USAA $2,153

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Cheapest Waterville, ME Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Waterville, Maine

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,687 $2,687
Farmers $2,936 $2,936
GEICO $1,620 $1,674
Liberty Mutual $4,757 $4,954
Progressive $3,654 $3,654
State Farm $2,246 $2,398
Travelers $2,198 $2,198
USAA $1,487 $1,573

The Best Cheap Car Insurance Companies in Waterville, ME

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

Average Annual Car Insurance Rates by Company in Waterville, Maine

Insurance Company Average Annual Rates
Allstate $2,687
Farmers $2,936
GEICO $1,647
Liberty Mutual $4,855
Progressive $3,654
State Farm $2,322
Travelers $2,198
USAA $1,530

Category Winners: Cheapest Car Insurance in Waterville, Maine

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

Best Annual Car Insurance Rates by Company in Waterville, Maine

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

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Cheapest Waterville, ME Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Waterville, Maine

Insurance Company Low Medium High
Allstate $2,653 $2,654 $2,755
Farmers $2,813 $2,834 $3,163
GEICO $1,613 $1,624 $1,705
Liberty Mutual $4,788 $4,788 $4,989
Progressive $3,570 $3,578 $3,814
State Farm $2,261 $2,298 $2,408
Travelers $2,159 $2,164 $2,271
USAA $1,498 $1,511 $1,582

What affects car insurance rates in Waterville, Maine?

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

Commute Time in Waterville

The more time you spend in your car the higher the risk of an accident. The average commute length in Waterville, ME is 18.1 minutes according to City-Data.

Compare Car Insurance Quotes in Waterville, ME

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

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