Car Insurance in South Portland, ME

Car theft rates in Maine are only about a fourth as high as the current national average. Regardless, it's still critical to get equipped with the right car insurance policy to protect against incidents of vehicle theft and much more. Car insurance can also help you get reimbursement after collisions, fire damage, etc.

An independent insurance agent in South Portland can help you find the type of car insurance you need. They'll get you equipped with coverage long before an incident occurs. To start, though, here's a breakdown of car insurance in South Portland, ME.

Best Car Insurance in South Portland, ME

Searching for the best car insurance in South Portland is much easier with the help of an independent insurance agent in your city. Independent insurance agents are local, so they know the top carriers to recommend for quality coverage and affordability. They can also file claims directly to your carrier for you and update or change your coverage later.

What Does Car Insurance Cover in South Portland, ME?

Car insurance policies can vary depending on your specific needs, but many folks start by adding these coverages:

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

This list of coverages may not encompass all the types you need in your policy. Your South Portland independent insurance agent will ensure that your car insurance policy is complete with all the protections you need most.

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How Much Does Car Insurance Cost in South Portland, ME?

On average, drivers in Maine pay only $805 annually for car insurance. With the current national average rate for car insurance being $1,311 annually, South Portland drivers can save more than $500 per year in comparison. In fact, Maine ranks as the cheapest state overall for car insurance premiums in the entire country, which can be great news for folks in South Portland who still need to get coverage.

Is Car Insurance Required in South Portland, ME?

To be permitted by the state of Maine to drive legally, you'll first need to have a car insurance policy that includes medical payments coverage, two forms of liability coverage, and uninsured motorist coverage.

South Portland, ME drivers are required to have these coverages:

• Medical payments coverage: This covers medical treatments of injuries to you or your passengers after an accident that you're at fault for. Drivers in South Portland and across Maine must have $2,000 or more of medical payments coverage.
• Bodily injury liability: This covers lawsuit costs after you injure someone else with your vehicle. Drivers in South Portland and across Maine 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 costs if you damage someone else's property with your vehicle. Drivers in South Portland and across Maine must have $25,000 or more per incident of property damage liability coverage.
• Uninsured motorist coverage: This covers the other driver's costs if you get into an accident with someone uninsured or underinsured and was at fault. Drivers in South Portland and across Maine must have $50,000 or more of uninsured motorist coverage per person and $100,000 or more per accident.

Your independent insurance agent in South Portland will help build a car insurance policy for you that includes the coverages mandated by the state of Maine.

What Are the Best Car Insurance Companies in South Portland, ME?

To help simplify your car insurance search, we've created a list of some of our top-rated carriers in South Portland, ME. 

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

Why Work with an Independent Insurance Agent in South Portland, 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.