Best Cheap Auto Insurance in Waterville, ME (2021)

The average Waterville, ME auto insurance rates are $227 per month. The minimum auto insurance in Waterville is at least 50/100/25 in coverage to comply with Maine auto insurance laws. To find the best cheap auto insurance in Waterville, Maine, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Waterville, Maine is 50/100/25
  • The average commute length in Waterville is 18.1 minutes
  • The cheapest auto insurance company in Waterville is USAA

Waterville, Maine auto insurance requirements are 50/100/25 according to Maine auto insurance laws. Finding cheap auto insurance in Waterville can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Waterville, Maine, including driving record, credit, commute time, and more.

Compare auto insurance in Waterville to other Maine cities, including South Portland auto insurance rates, Westbrook auto insurance rates, and Auburn auto insurance rates to see how Waterville, Maine auto insurance rates stack up.

Before you buy Waterville, Maine auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Waterville, Maine auto insurance quotes.

Minimum Auto Insurance in Waterville, Maine

Waterville, Maine auto insurance laws require that you have at least the Maine minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Waterville, Maine.

Minimum Required Auto Insurance Coverage in Waterville, Maine

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

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Cheap Waterville, Maine Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Waterville, Maine are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Waterville, Maine

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 $1,775 $1,822 $1,596 $1,729 $4,482 $6,012 $1,928 $2,154
Farmers $1,763 $1,779 $1,662 $1,774 $5,855 $6,395 $2,097 $2,167
GEICO $1,102 $1,141 $1,102 $1,102 $2,718 $3,531 $1,203 $1,282
Liberty Mutual $3,363 $3,363 $3,206 $3,206 $7,075 $10,556 $3,363 $4,710
Progressive $1,910 $1,873 $1,910 $1,873 $7,981 $8,963 $2,221 $2,501
State Farm $1,380 $1,380 $1,305 $1,305 $4,439 $5,538 $1,543 $1,688
Travelers $1,126 $1,163 $1,021 $1,044 $4,620 $6,232 $1,110 $1,268
USAA $908 $894 $903 $882 $2,991 $3,299 $1,154 $1,210

Cheap Waterville, Maine Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Waterville, Maine is a challenge. Take a look at the annual teen auto insurance rates in Waterville, Maine.

Annual Auto Insurance Rates for Teen Drivers in Waterville, Maine

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $4,482 $6,012
Farmers $5,855 $6,395
GEICO $2,718 $3,531
Liberty Mutual $7,075 $10,556
Progressive $7,981 $8,963
State Farm $4,439 $5,538
Travelers $4,620 $6,232
USAA $2,991 $3,299

Cheap Waterville, Maine Auto Insurance for Seniors

What are senior auto insurance rates in Waterville, Maine? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Waterville, Maine

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,596 $1,729
Farmers $1,662 $1,774
GEICO $1,102 $1,102
Liberty Mutual $3,206 $3,206
Progressive $1,910 $1,873
State Farm $1,305 $1,305
Travelers $1,021 $1,044
USAA $903 $882

Cheap Waterville, Maine Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Waterville, Maine compared to the annual auto insurance rates with a clean record in Waterville, Maine.

Annual Waterville, Maine Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,188 $2,975 $3,109 $2,477
Farmers $2,566 $3,272 $2,839 $3,069
GEICO $1,199 $1,686 $2,506 $1,199
Liberty Mutual $3,697 $4,375 $7,312 $4,036
Progressive $2,927 $4,952 $3,260 $3,478
State Farm $2,106 $2,539 $2,322 $2,322
Travelers $1,830 $2,034 $2,557 $2,372
USAA $1,160 $1,530 $2,153 $1,277

Cheap Waterville, Maine Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Waterville, Maine is not easy. Compare the annual rates for DUI auto insurance in Waterville, Maine to find the best deal.

Annual Auto Insurance Rates After a DUI in Waterville, Maine

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,109
Farmers $2,839
GEICO $2,506
Liberty Mutual $7,312
Progressive $3,260
State Farm $2,322
Travelers $2,557
USAA $2,153

Cheap Waterville, Maine Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Waterville, Maine annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Waterville, Maine

Insurance Company Poor Fair Good
Allstate $3,378 $2,574 $2,110
Farmers $3,417 $2,806 $2,586
GEICO $2,217 $1,471 $1,255
Liberty Mutual $6,762 $4,380 $3,424
Progressive $4,128 $3,543 $3,292
State Farm $3,383 $2,020 $1,564
Travelers $2,587 $2,119 $1,887
USAA $2,006 $1,382 $1,203

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Cheap Waterville, Maine Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Waterville, Maine can vary. Compare the annual cost of auto insurance by ZIP code in Waterville, Maine to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Waterville, Maine

ZIP Code Average Annual Rates
4901 $2,355

Cheap Waterville, Maine Auto Insurance Rates By Commute

Commute length and annual mileage affect Waterville, Maine auto insurance. Find the cheapest annual Waterville, Maine auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Waterville, Maine

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $2,687 $2,687
Farmers $2,936 $2,936
GEICO $1,620 $1,674
Liberty Mutual $4,757 $4,954
Progressive $3,654 $3,654
State Farm $2,246 $2,398
Travelers $2,198 $2,198
USAA $1,487 $1,573

Cheap Waterville, Maine Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Waterville, Maine? Check out the comparison of annual Waterville, Maine auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Waterville, Maine

Insurance Company Low Medium High
Allstate $2,653 $2,654 $2,755
Farmers $2,813 $2,834 $3,163
GEICO $1,613 $1,624 $1,705
Liberty Mutual $4,788 $4,788 $4,989
Progressive $3,570 $3,578 $3,814
State Farm $2,261 $2,298 $2,408
Travelers $2,159 $2,164 $2,271
USAA $1,498 $1,511 $1,582

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Best By Category: Cheapest Auto Insurance in Waterville, Maine

Compare the cheapest auto insurance companies in Waterville, Maine in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Waterville, Maine

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation GEICO

The Cheapest Waterville, Maine Auto Insurance Companies

What auto insurance companies in Waterville, Maine are the cheapest? Compare the top Waterville, Maine auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Waterville, Maine

Insurance Company Average Annual Rates
Allstate $2,687
Farmers $2,936
GEICO $1,647
Liberty Mutual $4,855
Progressive $3,654
State Farm $2,322
Travelers $2,198
USAA $1,530

What affects auto insurance rates in Waterville, Maine?

There are a lot of reasons why auto insurance rates in Waterville, Maine are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Waterville, Maine. Many local factors may affect your Waterville auto insurance rates.

Waterville Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Waterville, Maine commute length is 18.1 minutes according to City-Data.

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Compare Waterville, Maine Auto Insurance Quotes

Before you buy Waterville, Maine auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Waterville, Maine auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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