Auto Insurance for Threat Drivers in Maine – Bankrate.com

Drivers may have a harder time finding affordable car insurance rates when they have train tickets, culpable accidents, or a DUI conviction in their driving records. Additionally, reckless or risky driving in Maine can result in your license being suspended, restricted, or revoked. High risk auto insurance in Maine is an alternative insurance option when traditional vehicle insurance is no longer available or affordable.

High Risk Auto Insurance Rates in Maine

The cost of your Maine vehicle insurance depends, among other things, on your driver's license, vehicle, and coverage. High-risk auto insurance in Maine is generally more expensive than traditional insurance. Each freight forwarder has their own risk threshold when pricing your car insurance. A company may offer affordable insurance for a driver with parking tickets, but will greatly increase the premiums after an accident or claim.

Insurance tariffs according to a parking ticket

Speeding can increase your car insurance rates slightly or significantly depending on the airline. There is no formula to determine which insurance company is cheaper after a parking ticket. However, Bankrate's analysis found that Geico, USAA, and State Farm are, on average, the cheapest transportation companies.

Car insurance Maine Average Annual Premium for full coverage before a parking ticket Maine Average Annual Premium for full coverage after a parking ticket % Difference
Geico $ 578 $ 973 68%
USAA $ 718 $ 851 19%
District farm $ 811 $ 945 16%

Taking an approved driving school course after receiving a ticket can help you avoid increasing your insurance premiums. The eight-hour course can be completed online or in person.

Prices after an accident

In Maine, responsibility for a car accident will likely increase your premiums more than a parking ticket. However, high-risk auto insurance rates in Maine vary dramatically from one insurance company to the next.

Car insurance Maine Average Annual Premium for full pre-accident coverage Maine average annual premium for full coverage after an accident % Difference
Geico $ 578 $ 950 64%
USAA $ 718 $ 1,121 56%
District farm $ 811 $ 1,049 29%

Geico auto insurance may initially be the cheapest coverage for safe drivers, but a single accident could increase your premiums by an average of 64%. However, based on our research, Geico remains the cheapest company in Maine for drivers with a culpable accident on their records. Meanwhile, the USAA's post-accident rates are increasing by an average of 56%. After all, the State Farm's rates increase an average of 29% after an accident.

Insurance tariffs after a DUI

Driving under the influence of alcohol can be the most dangerous risk a driver can take, both financially and in terms of safety.

For example, getting a DUI in Maine can have an impact on auto insurance rates.

Car insurance Maine Average Annual Premium for full coverage prior to a DUI Maine average annual premium for full coverage after a DUI % Difference
Geico $ 578 $ 1,620 180%
USAA $ 718 $ 1,526 113%
District farm $ 811 $ 1,225 51%

Drivers convicted of DUI in Maine must also ask their insurance company to submit a Financial Responsibility Statement (SR-22) to the DMV in order to drive legally.

Prices for young drivers

Auto insurance rates for parents who add teenage drivers to their policies in Maine are higher than the national average.

Car insurance Average annual premium for fully comprehensive insurance
Geico $ 1,258
USAA $ 2,193
District farm $ 2,361

* 16-year-olds in their parents' policy

Obtaining quotes from multiple carriers is usually recommended as the best way to find the cheapest auto insurance.

Who is a Risk Driver?

There are high risk drivers of all ages and experience levels. Insurance companies consider drivers with a DUI conviction or with more than one accident or relocation violation to be high risk. Since young drivers do not have a lot of driving experience, they are often considered to be risky.

Many states can suspend or revoke your license after you've earned a certain number of points. Maine could suspend your license after earning 12 points in one year. The number of points you get after an accident ticket or a DUI conviction depends on the specifics of the incident.

How to lower your tariff if you are a risk driver

High risk drivers often have limited transport options and higher rewards. One way to offset the higher base rates is to find ways to lower insurance costs:

  • Take a look around and compare multiple providers to find the most affordable coverage based on your current needs.
  • Benefit from as many discounts as possible. Some examples are discounts for multiple lines, discounts for short miles, and student discounts.
  • Complete an approved eight hour traffic school course to avoid getting points from your driving report.
  • Increase your deductible for fully comprehensive and collision damage to the highest possible amount that you can afford.

Over time, saving as little as 5-10% on your auto insurance can turn into hundreds of dollars.

frequently asked Questions

What is an SR-22?

An SR-22 is a financial responsibility certificate that confirms that you have the minimum insurance coverage required to drive. It's a form that your insurance company submits to the DMV on your behalf.

Do I need additional car insurance if I am a high risk driver?

All Maine drivers are required to have civil liability insurance with a minimum of $ 50,000 for personal injury and death, $ 100,000 per accident, and $ 25,000 property damage. Maine also requires uninsured motorist insurance, underinsured motorist insurance, and health insurance.

How many points will I get in Maine if I cause an accident?

The number of points scored on your license depends on the specifics of the crash. For example, colliding with another driver is likely to result in fewer points than if you hit another vehicle while driving too fast or while under influence.

methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and airlines in all 50 states and Washington, DC Coverage Limits:

  • $ 100,000 personal injury liability per person
  • $ 300,000 liability per accident
  • $ 50,000 property damage liability per accident
  • $ 100,000 personal injury from an uninsured motorist per person
  • $ 300,000 personal injury to an uninsured driver per accident
  • $ 500 deductible in case of collision
  • $ 500 deductible

In order to set the minimum coverage limits, Bankrate has used minimum coverage that meets the requirements of the individual states. Our Basic Profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles a year. These are sample rates and should only be used for comparison purposes.

Incident: The rates were calculated by evaluating our base profile using the following incidents: clean record (base), fault accident, single speeding, single DUI conviction, and expiry of cover.

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