Progressive Auto Insurance in Maine
Progressive is the largest U.S. auto insurer (~14% market share, edging GEICO since 2023). Its Snapshot telematics program is the longest-running usage-based pricing tool in the country. Here's what Progressive 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 Progressive
Snapshot telematics commonly delivers 10-30% discounts for low-mileage and conservative drivers — the deepest savings in the market for usage-based pricing.
Where Progressive falls short
Initial quotes for high-risk drivers (poor credit, recent claims) often run above peer carriers; competitive renewal pricing is more important than initial savings here.
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 Progressive in Maine
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Progressive for a comparable driver profile in Maine. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Progressive discounts available to Maine drivers
Progressive 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 Progressive Maine estimate for each class:
Progressive 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 Progressive Maine estimate for each profile:
Frequently asked questions
How much does Progressive auto insurance cost in Maine?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Progressive 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 Progressive cheaper than other carriers in Maine?
Yes — Progressive 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 Progressive 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 Progressive offer discounts to Maine drivers?
Progressive offers 6+ discounts that Maine drivers can stack: Snapshot (telematics), Multi-policy, Continuous insurance, Sign online, Pay in full, Homeowner. 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 Progressive's national average ($1,633) 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. Progressive J.D. Power score: 829/1000. A.M. Best rating: A+ (2024).