Car Insurance in Auburn, ME

Collisions can happen to anyone, which is why car insurance is so important. A good auto insurance policy can prevent you from facing unmanageable financial losses due to accidents ranging from multi-car collisions on the Turnpike to fender-benders on Minot Avenue.

Finding the best car insurance is easy when you work with an independent agent. These agents can acquire customized quotes from various insurance providers as they search for the coverage you want at the most competitive price. Contact an independent insurance agent near you to get started.

How Much Does Car Insurance Cost in Auburn, ME?

The good news for vehicle owners in Auburn is that the average cost of car insurance in Maine is well below the national rate.

• National average annual car insurance cost: $1,311
• Maine average annual car insurance cost: $805

Of course, an average price can only give you an estimate of what you might actually be expected to pay. Car insurance costs can vary significantly from one driver to the next. This is because insurance companies calculate rates based on several factors such as:

• The make, model, year, and conditions of the vehicle(s) you are insuring
• Your age, occupation, gender, and marital status
• Your driving record, insurance claims history, and credit score
• The collision and auto theft rates in the vicinity of your home
• How much liability coverage you want to purchase
• Which, if any, coverage options you wish to include in your policy
• Whether you qualify for any offered discounts, such as for bundling your coverage with another policy like homeowners insurance or renters insurance, or for having a safe driving record

Comparing rates from various insurance companies lets you be sure you are getting your policy at a competitive price. Independent insurance agents make comparison shopping easy.

Is Car Insurance Required in Auburn, ME?

All vehicle owners in Auburn must comply with Maine’s car insurance laws. This means you must have a car insurance policy that includes:

• Liability insurance: This covers other people’s property damage and injuries if you are responsible for a collision. Your policy must provide at least:
  • $50,000 worth of bodily injury liability coverage per person
  • $100,000 worth of bodily injury liability coverage per accident
  • $25,000 worth of property damage liability coverage per accident
• Uninsured/underinsured motorist insurance (UM/UIM): This covers damage to your vehicle and the treatment of injuries sustained by you and your passengers if you are in a collision caused by an uninsured or underinsured driver. Your policy must provide at least:
  • $50,000 worth of UM/UIM bodily injury coverage per person
  • $100,000 worth of UM/UIM bodily injury coverage per accident
  • There is no requirement to have UM/UIM property damage coverage
• Medical payments insurance: This helps cover your medical costs if you or your passengers are injured in a collision, regardless of fault. Your policy must provide at least:
  • $2,000 worth of medical payments coverage per person

Additionally, some vehicle owners in Auburn need to carry physical damage insurance. Though this is not required by law, it is typically required by lenders if you are financing your vehicle and by dealerships if you are leasing it. Physical damage insurance includes:

• Collision insurance: This covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
• Comprehensive insurance: This covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.

If you own your vehicle outright, physical damage insurance is optional.

What Else Does Car Insurance Cover in Auburn, ME?

In addition to the coverage mentioned above, most insurance companies offer a few options. Some commonly purchased optional coverage you may want to consider includes:

• Gap insurance: This can pay off your car loan or buy out your lease if your car is totaled in a covered event. Gap insurance is only beneficial if you owe more for your vehicle than it is worth.
• Towing and roadside assistance insurance: This covers the cost of assistance if your vehicle is disabled, such as if you get a flat tire or your engine overheats.
• Glass replacement insurance: This covers the cost of replacing your car’s windows or windshield if the glass is cracked or broken. Often, this coverage is not subject to a deductible.
• Rental car reimbursement insurance: This can pay for the cost of renting a vehicle while you are having your car repaired following a covered event.
• Umbrella insurance: This is a separate policy that your car insurance provider may offer. It enables you to boost your liability coverage well beyond the limits of your car insurance policy at an affordable price.

A local independent agent can help you determine which, if any, coverage options are a good fit for you and your family.

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What Is the Penalty for Driving without Insurance in Auburn, ME?

Driving without insurance is considered a traffic infraction. If you are caught operating an uninsured vehicle, you can face the following penalties:

• A fine ranging from $100 to $500
• The suspension of your driving privileges until you obtain insurance
• Fees to get your driver’s license and vehicle registration reinstated
• The requirement to maintain an SR-22 for three years
• Higher car insurance rates

Failure to surrender your driver’s license, registration, and plates following a conviction for uninsured driving is a Class E misdemeanor punishable by a fine of $2,000 and up to six months in jail.

Fortunately, Maine has one of the lowest uninsured driver rates in the country.

• Percentage of US drivers who are uninsured: 13.0%
• Percentage of Maine drivers who are uninsured: 4.5%

If you are in a collision caused by an uninsured, underinsured, or hit-and-run driver, the uninsured motorist insurance included in your car insurance policy ensures that you will have immediate coverage for any related medical bills.

What Is the Auto Theft Rate in Auburn, ME?

The auto theft rate in Maine is much lower than the national average, and in Auburn, the rate is even lower. This is not to say the risk does not exist. Residents of this city report around ten stolen vehicles a year.

• National auto theft rate per 1,000 vehicles: 2.29
• Maine auto theft rate per 1,000 vehicles: 0.58
• Auburn, ME auto theft rate per 1,000 vehicles: 0.43

Although the chance your car will be stolen is low in Auburn, you should know that you can only be compensated for a stolen car if your auto insurance policy includes comprehensive (or “other than collision”) insurance.

Comprehensive insurance covers far more than just theft. It can also reimburse you for loss and damage to your car due to other non-collision hazards like floods and windstorms.

What Are the Best Car Insurance Companies in Auburn, Maine?

The most highly rated insurance providers are the ones that consistently provide their policyholders with responsive customer service, rapid claims processing, reliable coverage, and competitive rates.

Independent insurance agents in Auburn have partnerships with many of the best insurance companies in Maine. When your agent presents you with policies and prices to review, you can rest assured that they come from insurance providers you can rely on if you need to file a claim.

Why Work with an Independent Insurance Agent in Auburn, ME?

You can turn to an independent agent in Auburn for help when looking for an auto insurance policy that suits your coverage and budgetary needs. These local agents are free to work with multiple insurance providers as they shop around to find you the best and most affordable policies.

Arrange an obligation-free consultation with an independent insurance agent near you to get more information and to start comparing customized car insurance quotes from some of the area’s best insurance companies.