Maine auto insurance averages - $856.28 per year in 2023, ranked #50 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Maine sits below the 2023 national average expenditure; figures are NAIC Auto Insurance Database averages, not personal quotes.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $856.28 ▲11.7% | $425 |
| 2022 | $766.89 ▲6.1% | $395 |
| 2021 | $722.94 ▲2.7% | $374 |
| 2020 | $703.99 ▲1.1% | $372 |
| 2019 | $696.52 | $376 |
Evidence lead: 2023 cost position
Maine's strongest visible signal here is its gap to the national average expenditure. The cards below separate that level gap from change, annual shape, component mix, and registry coverage - descriptive only, not a quote.
2023 cost position
Maine records $856.28 in 2023 average expenditure and ranks #50 of 51. This lowest-cost tier describes the statewide blend in the NAIC table, not the cheapest available policy. Individual premiums can still sit far above or below the state figure because the source is an aggregate market measure.
Five-year movement
Maine's average expenditure posted a +22.9% increase from 2019 through 2023, ranking #10 of 51 for five-year movement. This is among the fastest changes in the state set. It describes the endpoints of the series and does not assign a cause to the movement.
Year-by-year shape
Every annual step in Maine's 2019–2023 series is positive. The latest move, from 2022 to 2023, is +11.7%; the largest absolute step occurs in 2023 at +11.7%. This pattern is a continuous rise in the reported averages, not a forecast that the sequence will continue.
Coverage-component signature
Maine's most distinctive 2023 component is liability: $425.00, or 36.2% below the 51-jurisdiction average of $666.04. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
Substantial registry context
Maine's separate complaint layer covers 51 companies with 7,176 recorded complaints. That is #19 for company breadth and #19 for record count across 51 jurisdictions—an upper-middle registry footprint. The totals are coverage denominators, not quality grades, and they are deliberately excluded from the state's expenditure calculation.
Nearest expenditure peers. By average expenditure, Maine's closest peers in this dataset are Idaho ($863.96) and Iowa ($869.46), both within a few dollars of Maine's own $856.28.
Note on state comparisons: These averages reflect the mix of coverages purchased in Maine, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
