Car Insurance in Scarborough, ME

The current rate of uninsured drivers in Maine (4.5%) is considerably lower than the national average of 13%. This may be thanks, in part, to the incredibly affordable rates the state offers for its coverage. Having the right type of car insurance is critical for receiving reimbursement after collisions and other disasters.

An independent insurance agent in Scarborough can help you get equipped with car insurance if you don't have it already. They'll help you find the best rates and policy options near you. But first, here's a deep dive into car insurance in Scarborough, ME.

Best Car Insurance in Scarborough, ME

When it's time to hunt for the best car insurance in Scarborough, enlist the help of a local independent insurance agent. These agents can help you find the greatest blend of the coverage you need with the best available rate from a carrier near you. Not only that, but independent insurance agents can also help you maintain your policy and even file claims down the road. 

What Does Car Insurance Cover in Scarborough, ME?

Your car insurance policy may vary, but many drivers in Scarborough often start with these types of coverages:

• Liability coverage: This covers legal expenses if you cause property damage or bodily injury to a third party with your vehicle.
• Collision coverage: This covers the cost to repair or replace your vehicle if it gets damaged or totaled in a collision, regardless of fault. 
• Personal injury protection: This coverage reimburses injuries to yourself and your passengers if you're at fault for an accident.
• Comprehensive coverage: This covers the cost to repair or replace your vehicle if it gets damaged or totaled by a non-collision event such as a hailstorm or theft.  

You may need several other types of car insurance to complete your specific policy. Your independent insurance agent in Scarborough can recommend any coverages they think would suit you best. 

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How Much Does Car Insurance Cost in Scarborough, ME?

With rates of just $805 per year for car insurance, Maine currently holds the title of the cheapest state for coverage in the nation. Drivers in Maine save an average of $506 on car insurance annually when compared to the US average rate of $1,311 per year. That's just one more reason to work with an independent insurance agent to get set up with a policy of your own today. 

Is Car Insurance Required in Scarborough, ME?

All drivers in Scarborough, and throughout the rest of Maine, are required by state law to have medical payments coverage, two forms of liability coverage, and uninsured motorist coverage in their car insurance policies. 

Drivers in Scarborough, ME need these coverages, at minimum:

• Medical payments coverage: This covers medical treatment expenses for you and your passengers if there are injuries after an accident that you're at fault for. All Maine drivers must have $2,000 or more of medical payments coverage.
• Bodily injury liability: This covers lawsuit expenses after causing bodily injury to someone else with your vehicle. All Maine drivers must have $50,000 or more per person and $100,000 or more per incident of bodily injury liability coverage.
• Property damage liability: This covers lawsuit expenses after causing damage to someone else's property with your vehicle. All Maine drivers must have $25,000 or more per incident of property damage liability coverage.
• Uninsured motorist coverage: This covers costs if you get into an accident with an uninsured or underinsured driver who was at fault. All Maine drivers must have $50,000 or more of uninsured motorist coverage per person and $100,000 or more per accident.

A Scarborough independent insurance agent will help you complete your car insurance policy with your state's minimum required coverages. 

What Are the Best Car Insurance Companies in Scarborough, ME?

Here are just a few of our top picks for quality car insurance companies in Scarborough, to make your car insurance shopping easier. 

Best Car Insurance Companies in Scarborough, ME	Star Rating
Progressive
Foremost
Peerless
Travelers
MAPFRE Insurance

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

There's no such thing as a one-size-fits-all car insurance policy. With a wide variety of products and options at your disposal, you can put together a solid car insurance package that's custom-built for you and other drivers in your family.

Independent insurance agents can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best car insurance companies in Maine to find you the right coverage at a great price.