Car Insurance After an Accident in Maine: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Maine increases insurance by 31%, raising full coverage from $1,182/year to $1,548/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$99/mo
After At-Fault Accident (+31%)
$129/mo
Cheapest Companies After Accident in Maine
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $95/mo | $1,146/yr | Military families |
| Erie Insurance | $102/mo | $1,223/yr | Rate lock guarantee |
| GEICO | $106/mo | $1,269/yr | Clean driving record |
| Progressive | $114/mo | $1,362/yr | Telematics savings |
| State Farm | $117/mo | $1,409/yr | Good students |
| Travelers | $123/mo | $1,471/yr | Multiple discounts |
| Nationwide | $134/mo | $1,610/yr | Bundling home + auto |
| Farmers | $139/mo | $1,672/yr | Signal telematics |
| Allstate | $144/mo | $1,734/yr | Accident forgiveness |
| Liberty Mutual | $152/mo | $1,827/yr | New car replacement |
USAACheapest
Monthly
$95/mo
Annual
$1,146/yr
Best for: Military families
Erie Insurance
Monthly
$102/mo
Annual
$1,223/yr
Best for: Rate lock guarantee
GEICO
Monthly
$106/mo
Annual
$1,269/yr
Best for: Clean driving record
Progressive
Monthly
$114/mo
Annual
$1,362/yr
Best for: Telematics savings
State Farm
Monthly
$117/mo
Annual
$1,409/yr
Best for: Good students
Travelers
Monthly
$123/mo
Annual
$1,471/yr
Best for: Multiple discounts
Nationwide
Monthly
$134/mo
Annual
$1,610/yr
Best for: Bundling home + auto
Farmers
Monthly
$139/mo
Annual
$1,672/yr
Best for: Signal telematics
Allstate
Monthly
$144/mo
Annual
$1,734/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$152/mo
Annual
$1,827/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses