Nationwide Auto Insurance in Maine
Nationwide is the 8th-largest U.S. auto carrier with a mid-sized footprint and SmartRide telematics. It's also a major Member-owned cooperative offering both direct and agent channels. Here's what Nationwide typically costs in Maine for 2026 — plus the 3 cheaper alternatives most Maine drivers overlook.
Estimated annual premium
$925
Estimated monthly
$77
Maine state avg
$1,000
vs Maine avg
-8%
Why drivers pick Nationwide
On Your Side Review program — a structured annual review with an agent to find unused discounts. SmartMiles pay-per-mile option for low-mileage drivers.
Where Nationwide falls short
Coverage gaps in some western states; SmartMiles is unavailable in several states (CA, NC, NY).
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 Nationwide in Maine
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Nationwide for a comparable driver profile in Maine. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Nationwide discounts available to Maine drivers
Nationwide 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 Nationwide Maine estimate for each class:
Nationwide 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 Nationwide Maine estimate for each profile:
Frequently asked questions
How much does Nationwide auto insurance cost in Maine?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Nationwide in Maine runs about $925/year (~$77/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 Nationwide cheaper than other carriers in Maine?
Yes — Nationwide typically runs about 8% below the Maine state average ($1,000/year for all carriers combined). The cheaper alternatives in Maine are typically USAA, GEICO, Erie. Whether Nationwide 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 Nationwide offer discounts to Maine drivers?
Nationwide offers 5+ discounts that Maine drivers can stack: SmartRide (telematics), SmartMiles (per-mile), Multi-policy, Accident-free, Defensive driving. 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 Nationwide's national average ($1,640) 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. Nationwide J.D. Power score: 815/1000. A.M. Best rating: A+ (2024).