Liberty Mutual Auto Insurance in Maine
Liberty Mutual is the 5th-largest U.S. auto carrier with one of the broadest discount catalogs in the industry. RightTrack telematics is its UBI option. Here's what Liberty Mutual typically costs in Maine for 2026 — plus the 3 cheaper alternatives most Maine drivers overlook.
Estimated annual premium
$1,050
Estimated monthly
$88
Maine state avg
$1,000
vs Maine avg
+5%
Why drivers pick Liberty Mutual
Customizable policy structure — pay-as-you-go RightTrack, accident forgiveness as a paid add-on, and a 'lifetime repair guarantee' on network-shop work.
Where Liberty Mutual falls short
Mid-pack rates and customer-satisfaction scores. Where Liberty wins is on the breadth of its rider/discount catalog rather than base rate.
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 Liberty Mutual in Maine
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Liberty Mutual for a comparable driver profile in Maine. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Liberty Mutual discounts available to Maine drivers
Frequently asked questions
How much does Liberty Mutual auto insurance cost in Maine?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Liberty Mutual in Maine runs about $1,050/year (~$88/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 Liberty Mutual cheaper than other carriers in Maine?
Liberty Mutual is currently about 5% above the Maine state average of $1,000/year. The cheaper alternatives in Maine are typically USAA, GEICO, Erie. Whether Liberty Mutual 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 Liberty Mutual offer discounts to Maine drivers?
Liberty Mutual offers 6+ discounts that Maine drivers can stack: RightTrack (telematics), Multi-policy, Online discount, Good student, Military, Hybrid/EV. 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 Liberty Mutual's national average ($1,860) 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. Liberty Mutual J.D. Power score: 805/1000. A.M. Best rating: A (2024).