Portland, ME Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Portland, ME, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Factors that can influence the cost of car insurance in Portland, ME are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

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Portland, ME Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Portland, ME with that of other cities in and around Portland.

	Portland	South Portland	Chebeague Island	Falmouth	Long Island	Falmouth Foreside
Average Insurance Rates	$1,025	$952	$1,032	$1,041	$1,027	$1,129

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Portland, ME Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Portland, ME based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location	Low Deductible ($500)	High Deductible ($1000)
Portland	$1,854	$1,566
Long Island	$1,864	$1,575
Cape Elizabeth	$1,062	$897
South Portland	$1,622	$1,370
Falmouth Foreside	$1,181	$998
Scarborough	$1,627	$1,375
Falmouth	$1,801	$1,522
Chebeague Island	$1,282	$1,083

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Portland, ME Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Portland, ME usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver	Insurance Cost
Teens	$3,326
20 Years	$1,317
30 Years	$1,014
40 Years	$976
50 Years	$904
60 Years	$916
70 Years	$1,067

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Portland, ME Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Portland, ME can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars	Auto Insurance Cost	Total Savings
2 Vehicles	$1,743	$308
3 Vehicles	$2,614	$461
4 Vehicles	$3,485	$615

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Portland, ME Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Portland, ME.

Location	Average Insurance Cost	Post DUI Insurance Rate
Portland	$1,025	$1,702
Long Island	$1,027	$1,705
Cape Elizabeth	$1,031	$1,712
South Portland	$952	$1,581
Falmouth Foreside	$1,129	$1,875
Scarborough	$1,004	$1,667
Falmouth	$1,041	$1,729
Chebeague Island	$1,032	$1,714

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Portland, ME Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score	Insurance Cost
Exceptional (800-850)	$879
Excellent (740-799)	$1,004
Good (670-739)	$1,068
Average (580-669)	$1,393
Poor (300-579)	$1,672

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Portland, ME Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation	Cost Increase	Total Insurance Cost
Driving Without Headlights	+$45	$1,070
Driver's Failure In Showing Documents	+$99	$1,124
Driving With An Expired Registration	+$106	$1,131
Driving At A Considerably Slow Pace	+$222	$1,247
Using A Cellphone While Driving	+$235	$1,260
Running A Red Light	+$239	$1,264
Speeding	+$251	$1,276
Driving A Vehicle Without The Required Permission	+$319	$1,344
Driving With An Expired/Suspended License	+$691	$1,716

Portland, ME Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature	Insurance Cost
Audible Alarm	$984
Active Disabling Device	$984
Tracking Device	$964
Passive Disabling Device	$953

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Latest Auto Insurance Reviews in Portland, ME | Back to Top