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Get Cheap Car Insurance in Cliff Island, ME

We monitor insurance prices, helping the average driver in Cliff Island save up to 31.9% on car insurance.

 

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The Cheapest Minimum Coverage in Cliff Island

The chart below shows the cheapest car insurance company in Cliff Island for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Geico, Concord Group Insurance, and Kemper.

 
Cliff Island Insurer Monthly Cost
State Farm $37
Geico $38
Concord Group Insurance $41
Kemper $41

Savings for Every Kind of Cliff Island Driver

The table shows how much the average auto insurance customer in Cliff Island might save by following our recommendations.

Based on our extensive insurance data, we know the average Cliff Island driver will save about 24% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $232 per year by choosing the right vehicle insurance company. Some Cliff Island residents are paying out over $951 extra every year for auto insurance in Cliff Island. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Cliff Island, ME Savings / Yr.
Drivers with good records
$232
Drivers with accidents
$330
Drivers with speeding tickets
$299
Drivers with a DUI conviction
$304
Young drivers
$966
Married drivers
$201
Drivers with bad credit
$424

Cliff Island Car Insurance vs. Maine

People living in Cliff Island pay an average of 0.52% more than the typical driver in the state. The average driver in Cliff Island can expect to pay about $530 per year, or $951 for full coverage.

Based on our analysis, Travelers will be the cheapest provider in Cliff Island for most people.

Car Insurance Prices by Cliff Island Neighborhood

Cliff Island, ME map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
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Where is insurance cheapest within Cliff Island?

The map shows insurance prices in and around Cliff Island, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $951 to a low of $951. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the North parts of Cliff Island.

Pick the Best Car Insurance Company for You in Cliff Island

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Cliff Island insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Cliff Island

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $232 over the average Cliff Island car insurance company.

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We use the average good driver, paying $60 per month, as our baseline for pricing in Cliff Island. Travelers, Concord Group Insurance, and Kemper are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Cliff Island drivers with accidents on their records

In Cliff Island getting into an accident will raise premiums an average 32% for a yearly cost of $1,399. That's $448 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Concord Group Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $330 over the competition.

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The best car insurance company for Cliff Island drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $299 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Cliff Island, tickets raise premiums on new quotes about $254. If you have a speeding ticket, we recommend State Farm, Geico, and Concord Group Insurance for savings that beat the average insurance cost of $1,205 per year.

The best auto insurance for Cliff Island drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,402 per year in auto insurance premiums, which was $451 more than a driver with no major issues. State Farm, Progressive, and Concord Group Insurance penalized their customers the least for a DUI.

Getting a quote from Concord Group Insurance may cost the average person with a DUI about $304 less each year.

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The least expensive car insurance company for new and young drivers in Cliff Island

In Cliff Island, Concord Group Insurance costs young drivers $966 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 69% more for insurance than more mature drivers in Cliff Island. With an average cost of $3,026 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Concord Group Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Cliff Island

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $82. State Farm, Geico, and Concord Group Insurance provided the largest discounts to couples living in Cliff Island.

Concord Group Insurance gave the largest car insurance discounts to married couples, averaging $201 saved each year compared to an average Cliff Island couple's premiums.

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The cheapest car insurance in Cliff Island for drivers with bad credit

People with poor credit saved an average of $424 with Concord Group Insurance.

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Many people are surprised that their poor credit score can cost them an average of $679 every year. Premiums for people with poor credit were about $1,630 in Cliff Island. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Travelers, and Concord Group Insurance.

The best Cliff Island car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Cliff Island, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Cliff Island.

Nationwide was the best company for customer service in Cliff Island according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Cliff Island, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Cliff Island. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Cliff Island

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 16% of Cliff Island residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Cliff Island driver can expect to pay about $60 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Cliff Island, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, drivers with a DUI conviction, young drivers, good drivers, drivers with accidents, and married couples.
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Auto Insurance Prices in and Around Cliff Island

What Influences the Cost of Car Insurance in Cliff Island?

On average, car insurance in Cliff Island is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Cliff Island is 48 minutes, which is far more than average for a driver in the state.
  • Maine state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Cliff Island are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
  • Cliff Island is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Cliff Island is $44 per month for minimum coverage and $79 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

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* Who is the average Cliff Island driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Cliff Island with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.