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Get Cheap Car Insurance in Damariscotta, ME
We monitor insurance prices, helping the average driver in Damariscotta save up to 31.9% on car insurance.
The Cheapest Minimum Coverage in Damariscotta
The chart below shows the cheapest car insurance company in Damariscotta 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.
| Damariscotta Insurer | Monthly Cost |
|---|---|
| State Farm | $37 |
| Geico | $39 |
| Concord Group Insurance | $41 |
| Kemper | $41 |
Savings for Every Kind of Damariscotta Driver
Based on our extensive insurance data, we know the average Damariscotta 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 $234 per year by choosing the right vehicle insurance company. Some Damariscotta residents are paying out over $959 extra every year for auto insurance in Damariscotta. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Damariscotta, ME Savings / Yr. |
|---|---|
$234 |
|
$333 |
|
$301 |
|
$306 |
|
$974 |
|
$203 |
|
$428 |
Damariscotta Car Insurance vs. Maine
People living in Damariscotta pay an average of 1.38% more than the typical driver in the state. The average driver in Damariscotta can expect to pay about $534 per year, or $959 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Damariscotta for most people.
Car Insurance Prices by Damariscotta Neighborhood
Insurance Prices
Where is insurance cheapest within Damariscotta?
The map shows insurance prices in and around Damariscotta, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $21 per year within the city boundaries, with insurance premiums ranging from a high of $967 to a low of $946. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the South parts of Damariscotta.Pick the Best Car Insurance Company for You in Damariscotta
The best car insurance provider for most drivers in Damariscotta
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $234 over the average Damariscotta car insurance company.
The best car insurance provider for Damariscotta drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $333 over the competition.
The best car insurance company for Damariscotta drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $301 better than other car insurance companies.
The best auto insurance for Damariscotta drivers with a DUI conviction
Getting a quote from Concord Group Insurance may cost the average person with a DUI about $306 less each year.
The least expensive car insurance company for new and young drivers in Damariscotta
In Damariscotta, Concord Group Insurance costs young drivers $974 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Damariscotta
Concord Group Insurance gave the largest car insurance discounts to married couples, averaging $203 saved each year compared to an average Damariscotta couple's premiums.
The cheapest car insurance in Damariscotta for drivers with bad credit
The best Damariscotta car insurance company for customer service
Nationwide was the best company for customer service in Damariscotta according to the NAIC.
Recent price drops
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The cheapest large national provider in Damariscotta
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Damariscotta driver can expect to pay about $60 per month.
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 Damariscotta, 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.Auto Insurance Prices in and Around Damariscotta
What Influences the Cost of Car Insurance in Damariscotta?
On average, car insurance in Damariscotta 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:
- 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 Damariscotta are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
- Damariscotta 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 Damariscotta is $45 per month for minimum coverage and $80 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
- Newcastle: Insurance costs 1.88% less
- Bremen: Insurance costs 0.94% less
- Bristol: Insurance costs 0.42% less
- Nobleboro: Insurance costs 0.10% less
- Medomak: Insurance costs 0.83% less
- West Waldoboro: Insurance costs 0.21% more
- North Newcastle: Insurance costs 1.46% less
- Alna: Insurance costs 0.52% less
- South Newcastle: Insurance costs 1.25% less
- North Edgecomb: Insurance costs 0.94% less
Cities with Similar Populations
- Spangle: Insurance costs 37.75% more
- Grand Rivers: Insurance costs 117.73% more
- Grove City: Insurance costs 66.11% more
- Hardinsburg: Insurance costs 25.76% more
- Hershey: Insurance costs 49.84% more
- Jackson Center: Insurance costs 10.01% more
- Kingman: Insurance costs 25.34% more
- Laguna: Insurance costs 53.49% more
- Magazine: Insurance costs 71.22% more
- Marble Hill: Insurance costs 89.47% more