How to Find Cheap Scarborough Car Insurance
Scarborough car insurance averages $166 a month for full coverage in 2026, according to InsuranceQuotes.com’s analysis of local rate data — a bit less than what drivers pay in nearby Portland, since Scarborough is a lower-density coastal suburb. Winters here bring the ice, snow, and coastal storm exposure that drive up Maine comprehensive claims, so that coverage is worth keeping even though it’s optional. Comparing quotes from local carriers like Concord Group, which offers some of the cheapest rates in town, is the fastest way to bring your premium down.
Rates last verified and updated: July 2026.
Scarborough sits just south of Portland along Maine’s midcoast, where Route 1 and I-95 carry a mix of local commuters and summer visitors headed to Higgins Beach and Pine Point. That seasonal swing in traffic, combined with Maine’s snowy, icy winters, makes comparing multiple insurance quotes worthwhile rather than settling for the first policy you find. InsuranceQuotes.com’s comparison tool lets Scarborough drivers see coverage options and pricing from several providers side by side, so they can match a policy to their budget and driving habits before committing.
Average Cost for Auto Insurance in Scarborough, ME
- State Minimum Liability: On average Scarborough drivers can expect to pay $56 a month or $667 a year.
- Full Coverage: Drivers can expect to pay $166 a month or $1,990 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Scarborough – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Who Has the Cheapest Car Insurance in Scarborough
- In Scarborough on average the cheapest car insurance providers are Concord Group, Allstate and State Farm. – State minimum liability car insurance starts at $38 a month or $452 a year and full coverage car insurance starts at $103 a month or $1,238 a year with Concord Group Insurance
Below are the going rates from Scarborough’s most affordable insurers, drawn from our database of quotes for a single, middle-aged driver with a used vehicle and a clean record:
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Concord Group | $452 | $38 | $1,238 | $103 |
| Allstate | $681 | $57 | $2,385 | $199 |
| State Farm | $684 | $57 | $2,101 | $175 |
| United Financial | $684 | $57 | $1,955 | $163 |
| GEICO | $874 | $73 | $2,672 | $223 |
What are State Minimum Liability Requirements in Maine?
Maine sets its liability minimums higher than most New England states. If you’re shopping strictly for the cheapest legal policy, here’s what Scarborough drivers are required to carry (you can confirm current rules with the Maine Bureau of Insurance):
- $50,000 bodily injury liability per person
- $100,000 bodily injury liability per accident
- $25,000 property damage liability per accident
That $25,000 property-damage limit doesn’t stretch far if you total a newer vehicle on Route 1 or I-95, which is why many Scarborough drivers pair their liability coverage with comprehensive and collision protection, especially heading into winter.
Top Tips for Saving Money on Your ME Car Insurance Policy
Maine drivers can still find real savings despite the state’s above-average minimums. Here’s where Scarborough residents typically have the most room to cut costs:
- Compare Multiple Quotes with InsuranceQuotes:
- Obtain free quotes from multiple insurance providers all in one place to compare rates through InsuranceQuotes. Different insurers may offer varying premiums, so shopping around allows you to find the most affordable option.
- Bundle Policies:
- Bundle your auto insurance with other policies, such as home or renters insurance, with the same provider. Many insurers offer discounts for bundling.
- Maintain a Good Driving Record:
- Safe driving habits can lead to lower premiums. Avoid accidents and traffic violations to maintain a clean driving record, which is often rewarded with lower insurance costs.
- Increase Deductibles:
- Consider raising your deductibles for comprehensive and collision coverage. Higher deductibles typically result in lower premiums.
- Ask About Discounts:
- Inquire about available discounts, such as good student discounts, safe driver discounts, or discounts for safety features on your vehicle. Insurance providers may offer various discounts that can significantly reduce your premium.
- Maintain Good Credit:
- Insurers in some states, including Maine, use credit scores to determine premiums. Maintaining a good credit score may help lower your car insurance costs.
- Choose a Safe Car:
- Vehicles with safety features may qualify for lower premiums. Check with your insurance provider to see if your car’s safety features make you eligible for discounts.
- Review Your Coverage:
- Regularly reassess your coverage needs. If your circumstances change or if you have an older vehicle, you may be able to adjust your coverage to save on premiums.
- Drive Less:
- If possible, reduce your annual mileage. Some insurance companies offer discounts for low-mileage drivers.
- Take Advantage of Loyalty Discounts:
- Inquire if your insurance provider offers discounts for long-term customers. Loyalty rewards may be available for staying with the same company.
- Complete a Defensive Driving Course:
- Some insurers offer discounts for completing defensive driving courses. Check with your provider to see if this option is available.
If you own your home, compare current Maine home insurance rates as well — bundling your auto and home policies with the same carrier is one of the more reliable ways to save. You can also see how Scarborough compares to other Maine cities on our Maine car insurance rates page.
Car insurance in Scarborough, ME averages $40/month for minimum coverage and $133/month for full coverage in 2026. MMG Insurance offers competitive rates starting around $27/month. Comparing at least three quotes is essential in ME since rate differences between carriers can exceed $100/month for identical coverage.
ME requires minimum coverage of 50/100/25 + MedPay + UM. ME is a tort state — the at-fault driver is responsible for the other party’s damages. Driving uninsured in ME can result in license suspension, fines, and an SR-22 filing requirement.
No. ME is a tort state. The driver who causes an accident is responsible for all resulting damages. Your liability coverage pays for the other party’s injuries and property damage when you are at fault.
For Scarborough drivers in 2026, MMG Insurance is among the most affordable options in ME, with rates starting around $27/month for minimum coverage. State Farm, GEICO, and Progressive are widely available in ME. Rate variation between carriers can exceed $50 to $100/month for identical coverage, making annual quote comparisons essential.
Maine has the lowest percentage of uninsured drivers in the country. Moose collisions are a significant comprehensive coverage risk — Maine logs 3,000+ moose strikes annually. The most effective ways to lower your Scarborough premium: (1) compare quotes from at least three carriers every year, (2) maintain a clean driving record since violations remain on your ME record for years, (3) bundle auto and home or renters for 5 to 15% savings, and (4) raise your deductible on full coverage to $1,000 to cut premiums 10 to 15%.
- About the Author
- Latest Posts
Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
