Allstate Auto Insurance in Maine
Allstate is the 4th-largest U.S. auto carrier (~10% market share) with a long-running agent network. Drivewise telematics + Milewise pay-per-mile options give it broad coverage modality flexibility. Here's what Allstate typically costs in Maine for 2026 — plus the 3 cheaper alternatives most Maine drivers overlook.
Estimated annual premium
$1,175
Estimated monthly
$98
Maine state avg
$1,000
vs Maine avg
+18%
Why drivers pick Allstate
Strong agent network for hands-on claims support; broad rider library (custom equipment, ridesharing endorsements, classic car).
Where Allstate falls short
Base rates run high — Allstate is consistently in the top quartile for posted rates. Discount-stacking is required to land at competitive pricing.
Maine minimum coverage requirements
- Bodily Injury Liability: 50/100 thousand per person / per accident
- Property Damage Liability: $25K
Cheapest state for auto insurance — low claims frequency despite high coverage minimums.
Cheaper alternatives to Allstate in Maine
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Allstate for a comparable driver profile in Maine. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Allstate discounts available to Maine drivers
Allstate Maine rates by vehicle class
Vehicle class is one of the strongest premium drivers — pickups + EVs cost 15-25% more to insure than sedans. See the Allstate Maine estimate for each class:
Allstate Maine rates by driver profile
Driver classification is one of the strongest premium drivers — young drivers pay 2x adult rates, while seniors and low-mileage retirees save 8-18%. See the Allstate Maine estimate for each profile:
Frequently asked questions
How much does Allstate auto insurance cost in Maine?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Allstate in Maine runs about $1,175/year (~$98/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.
Is Allstate cheaper than other carriers in Maine?
Allstate is currently about 18% above the Maine state average of $1,000/year. The cheaper alternatives in Maine are typically USAA, GEICO, Erie. Whether Allstate is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.
What are the Maine minimum coverage requirements?
Maine requires at least 50/100 thousand in bodily-injury liability per person/per accident and $25K in property-damage liability. Maine is not a no-fault state, so PIP is optional but recommended for added medical coverage. Cheapest state for auto insurance — low claims frequency despite high coverage minimums.
Does Allstate offer discounts to Maine drivers?
Allstate offers 6+ discounts that Maine drivers can stack: Drivewise (telematics), Multi-policy, Anti-theft device, Early signing, Responsible payer, Allstate eSmart. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.
Methodology: Estimated annual premium is computed as Allstate's national average ($2,108) multiplied by Maine's state-vs-national premium index ($1,000 ÷ national average $1,789 ≈ 0.56x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Allstate J.D. Power score: 815/1000. A.M. Best rating: A+ (2024).