Compare Oakland, ME Car Insurance Rates [2024]
Car insurance in Oakland, ME averages $222 a month. Oakland, Maine car insurance requirements are 50/100/25, but you might need full coverage insurance if your car is financed. To find cheap Oakland car insurance rates, compare quotes from the top car insurance companies in Oakland, ME.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Q: Can I get discounts on car insurance in Oakland, ME? A: Yes, it is possible to obtain discounts on car insurance in Oakland, ME. Insurance companies often offer various discounts to policyholders. Some common discounts that might be available include:
- Multi-policy discount: If you have multiple insurance policies with the same provider, such as auto and home insurance.
- Safe driver discount: If you have a clean driving record without any accidents or violations.
- Anti-theft device discount: If your vehicle is equipped with anti-theft devices or features.
- Safety feature discount: If your car has safety features like airbags, anti-lock brakes, or electronic stability control.
- Good student discount: If you or a household member who drives the car is a full-time student with good grades. It’s recommended to inquire about available discounts when obtaining insurance quotes in Oakland, ME.
- The cheapest car insurance company in Oakland for teen drivers is USAA
- Average car insurance rates in Oakland, ME are $2,660/year
- The cheapest car insurance company in Oakland is USAA
If you need to buy Oakland, Maine car insurance, the options can be confusing. Everything you need to know about car insurance in Oakland, ME is right here.
You’ll find Oakland car insurance rates, the cheapest Oakland, ME car insurance companies, and information on Maine car insurance laws. You can also compare Oakland, Maine car insurance rates to Biddeford car insurance rates, Sanford car insurance rates, and Portland car insurance rates.
Ready to find affordable Oakland, ME car insurance today? Enter your ZIP code for fast, free Oakland car insurance quotes.
Cheapest Oakland, ME Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Oakland, ME car insurance rates? Every Oakland, Maine car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $1,840 | $1,895 | $1,654 | $1,794 | $4,653 | $6,211 | $2,003 | $2,239 |
| Farmers | $1,686 | $1,702 | $1,584 | $1,697 | $5,439 | $5,995 | $1,991 | $2,061 |
| Geico | $1,106 | $1,146 | $1,106 | $1,106 | $2,717 | $3,532 | $1,207 | $1,288 |
| Liberty Mutual | $3,014 | $3,014 | $2,871 | $2,871 | $6,390 | $9,557 | $3,014 | $4,240 |
| Progressive | $1,886 | $1,849 | $1,886 | $1,849 | $7,884 | $8,858 | $2,196 | $2,480 |
| State Farm | $1,371 | $1,371 | $1,296 | $1,296 | $4,406 | $5,501 | $1,533 | $1,675 |
| Travelers | $1,191 | $1,230 | $1,079 | $1,103 | $4,871 | $6,580 | $1,174 | $1,344 |
| USAA | $870 | $857 | $865 | $845 | $2,864 | $3,159 | $1,106 | $1,162 |
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Minimum Car Insurance in Oakland, ME
Every driver must carry the minimum car insurance in Oakland, ME. Take a look at the Maine car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $50,000 per person $100,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Oakland, ME Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Oakland, ME. Compare credit history car insurance rates in Oakland from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,502 | $2,668 | $2,188 |
| Farmers | $3,224 | $2,646 | $2,438 |
| Geico | $2,222 | $1,474 | $1,257 |
| Liberty Mutual | $6,086 | $3,944 | $3,084 |
| Progressive | $4,081 | $3,501 | $3,252 |
| State Farm | $3,359 | $2,006 | $1,553 |
| Travelers | $2,734 | $2,238 | $1,993 |
| USAA | $1,923 | $1,323 | $1,152 |
Cheapest Oakland, ME Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Oakland, ME to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,272 | $3,087 | $3,217 | $2,569 |
| Farmers | $2,421 | $3,086 | $2,677 | $2,893 |
| Geico | $1,201 | $1,690 | $2,513 | $1,201 |
| Liberty Mutual | $3,368 | $3,956 | $6,500 | $3,662 |
| Progressive | $2,894 | $4,891 | $3,222 | $3,439 |
| State Farm | $2,092 | $2,521 | $2,306 | $2,306 |
| Travelers | $1,933 | $2,149 | $2,698 | $2,505 |
| USAA | $1,114 | $1,467 | $2,059 | $1,225 |
Cheapest Oakland, ME Car Insurance for Teen Drivers
Teen car insurance in Oakland, ME can be expensive. Take a look at rates from the top car insurance companies in Oakland for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $4,653 | $6,211 |
| Farmers | $5,439 | $5,995 |
| Geico | $2,717 | $3,532 |
| Liberty Mutual | $6,390 | $9,557 |
| Progressive | $7,884 | $8,858 |
| State Farm | $4,406 | $5,501 |
| Travelers | $4,871 | $6,580 |
| USAA | $2,864 | $3,159 |
Cheapest Oakland, ME Car Insurance for Seniors
Take a look at Oakland, ME senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,654 | $1,794 |
| Farmers | $1,584 | $1,697 |
| Geico | $1,106 | $1,106 |
| Liberty Mutual | $2,871 | $2,871 |
| Progressive | $1,886 | $1,849 |
| State Farm | $1,296 | $1,296 |
| Travelers | $1,079 | $1,103 |
| USAA | $865 | $845 |
Cheapest Oakland, ME Car Insurance Rates After a DUI
A DUI in Oakland, ME increases car insurance rates. Compare Oakland, Maine DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,217 |
| Farmers | $2,677 |
| Geico | $2,513 |
| Liberty Mutual | $6,500 |
| Progressive | $3,222 |
| State Farm | $2,306 |
| Travelers | $2,698 |
| USAA | $2,059 |
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Cheapest Oakland, ME Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Oakland, ME by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $2,786 | $2,786 |
| Farmers | $2,769 | $2,769 |
| Geico | $1,624 | $1,678 |
| Liberty Mutual | $4,282 | $4,461 |
| Progressive | $3,611 | $3,611 |
| State Farm | $2,231 | $2,382 |
| Travelers | $2,321 | $2,321 |
| USAA | $1,425 | $1,507 |
The Best Cheap Car Insurance Companies in Oakland, ME
Take a look at a side-by-side comparison of the top car insurance companies in Oakland, ME to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $2,786 |
| Farmers | $2,769 |
| Geico | $1,651 |
| Liberty Mutual | $4,371 |
| Progressive | $3,611 |
| State Farm | $2,306 |
| Travelers | $2,321 |
| USAA | $1,466 |
Category Winners: Cheapest Car Insurance in Oakland, Maine
Find the cheapest car insurance companies in Oakland, ME for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | Geico |
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Cheapest Oakland, ME Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Oakland car insurance rates. Find the cheapest Oakland, ME car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $2,752 | $2,753 | $2,854 |
| Farmers | $2,657 | $2,675 | $2,977 |
| Geico | $1,619 | $1,629 | $1,706 |
| Liberty Mutual | $4,317 | $4,317 | $4,481 |
| Progressive | $3,534 | $3,541 | $3,760 |
| State Farm | $2,243 | $2,281 | $2,394 |
| Travelers | $2,280 | $2,285 | $2,399 |
| USAA | $1,437 | $1,448 | $1,513 |
What affects car insurance rates in Oakland, Maine?
What factors can have an impact on Oakland, ME car insurance? There are several reasons why Oakland car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Oakland, Maine.
Commute Time in Oakland
The more time you spend in your car the higher the risk of an accident. The average commute length in Oakland, ME is 24.4 minutes according to City-Data.
Compare Car Insurance Quotes in Oakland, ME
Ready to find affordable Oakland, Maine car insurance today? Enter your ZIP code for fast, free Oakland, ME car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How can I compare car insurance rates in Oakland, ME?
To compare car insurance rates in Oakland, ME, you can follow these steps:
- Gather necessary information: Collect details about your vehicle, such as the make, model, year, and any safety features it may have.
- Research insurance providers: Look for reputable insurance companies that offer coverage in Oakland, ME.
- Obtain quotes: Contact insurance providers directly or use online insurance comparison websites to request quotes for your specific vehicle and coverage needs.
- Compare coverage options: Review the coverage limits, deductibles, and any additional features or benefits offered by each insurance company.
- Consider your needs and budget: Determine which insurance policy offers the best coverage and fits within your budget.
- Purchase your chosen policy: Once you have made a decision, contact the insurance company to purchase the policy.
What factors affect car insurance rates in Oakland, ME?
Several factors can influence car insurance rates in Oakland, ME, including:
- Age and driving experience of the primary driver
- Location where the vehicle will be primarily driven and parked in Oakland, ME
- The make, model, and year of the vehicle
- Safety features and anti-theft devices installed in the car
- Annual mileage and usage of the vehicle
- Driving record and claims history of the primary driver
- Credit history (in some cases)
- Coverage options and deductibles selected
Are car insurance rates higher in Oakland, ME compared to other areas?
Car insurance rates can vary based on location, and rates in Oakland, ME may be influenced by factors specific to the area. Factors such as population density, traffic patterns, local crime rates, and the frequency of accidents in Oakland, ME can impact insurance rates. It’s recommended to obtain quotes from insurance providers to get an accurate idea of car insurance rates in the area.
Can I get discounts on car insurance in Oakland, ME?
Yes, it is possible to obtain discounts on car insurance in Oakland, ME. Insurance companies often offer various discounts to policyholders. Some common discounts that might be available include:
- Multi-policy discount: If you have multiple insurance policies with the same provider, such as auto and home insurance.
- Safe driver discount: If you have a clean driving record without any accidents or violations.
- Anti-theft device discount: If your vehicle is equipped with anti-theft devices or features.
- Safety feature discount: If your car has safety features like airbags, anti-lock brakes, or electronic stability control.
- Good student discount: If you or a household member who drives the car is a full-time student with good grades. It’s recommended to inquire about available discounts when obtaining insurance quotes in Oakland, ME.
Are there any specific insurance considerations for Oakland, ME residents?
While insurance considerations can vary based on individual circumstances, there are a few points to keep in mind for Oakland, ME residents when it comes to car insurance:
- Maine is an at-fault state: This means that the at-fault driver in an accident is responsible for the damages. Ensure that you have appropriate liability coverage to protect yourself financially.
- Minimum coverage requirements: Make sure you meet the minimum liability coverage requirements set by the state of Maine.
- Additional coverage options: Consider additional coverage options such as comprehensive, collision, and uninsured/underinsured motorist coverage to provide extra protection. Consult with insurance providers to understand the specific coverage requirements and options available to Oakland, ME residents.
How do I find the best car insurance rates in Oakland, ME?
To find the best car insurance rates in Oakland, ME, consider following these steps:
- Shop around: Obtain quotes from multiple insurance companies to compare rates and coverage options.
- Evaluate coverage needs: Determine the coverage limits and types of coverage you require based on your vehicle, driving habits, and budget.
- Consider deductibles: Decide on an appropriate deductible amount that you’re comfortable paying in the event of a claim.
- Check for discounts: Inquire about available discounts, such as multi-policy, safe driver, or loyalty discounts that can help lower your premiums.
- Review customer satisfaction and financial stability: Look into the insurance company’s reputation for customer service and its financial stability to ensure they can meet their obligations.
- Seek professional advice: Consult with an insurance agent or broker who can provide personalized guidance and help you find the best rates for your needs.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.