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 head-to-head guides
Side-by-side breakdowns of the Nationwide matchups visitors compare most — premium, claims, telematics, discount stack, and the driver profile each carrier fits best.
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
Frequently asked questions
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).