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Get Cheap Car Insurance in Gardiner, ME
We monitor insurance prices, helping the average driver in Gardiner save up to 31.9% on car insurance.
The Cheapest Minimum Coverage in Gardiner
The chart below shows the cheapest car insurance company in Gardiner 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.
| Gardiner Insurer | Monthly Cost |
|---|---|
| State Farm | $37 |
| Geico | $39 |
| Concord Group Insurance | $42 |
| Kemper | $42 |
Savings for Every Kind of Gardiner Driver
Based on our extensive insurance data, we know the average Gardiner 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 $236 per year by choosing the right vehicle insurance company. Some Gardiner residents are paying out over $965 extra every year for auto insurance in Gardiner. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Gardiner, ME Savings / Yr. |
|---|---|
$236 |
|
$335 |
|
$303 |
|
$308 |
|
$980 |
|
$204 |
|
$430 |
Gardiner Car Insurance vs. Maine
People living in Gardiner pay an average of 2.00% more than the typical driver in the state. The average driver in Gardiner can expect to pay about $538 per year, or $965 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Gardiner for most people.
Car Insurance Prices by Gardiner Neighborhood
Insurance Prices
Where is insurance cheapest within Gardiner?
The map shows insurance prices in and around Gardiner, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $70 per year within the city boundaries, with insurance premiums ranging from a high of $1,012 to a low of $942. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the West parts of Gardiner.Pick the Best Car Insurance Company for You in Gardiner
The best car insurance provider for most drivers in Gardiner
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $236 over the average Gardiner car insurance company.
The best car insurance provider for Gardiner 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 $335 over the competition.
The best car insurance company for Gardiner drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $303 better than other car insurance companies.
The best auto insurance for Gardiner drivers with a DUI conviction
Getting a quote from Concord Group Insurance may cost the average person with a DUI about $308 less each year.
The least expensive car insurance company for new and young drivers in Gardiner
In Gardiner, Concord Group Insurance costs young drivers $980 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Gardiner
Concord Group Insurance gave the largest car insurance discounts to married couples, averaging $204 saved each year compared to an average Gardiner couple's premiums.
The cheapest car insurance in Gardiner for drivers with bad credit
The best Gardiner car insurance company for customer service
Recent price drops
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The cheapest large national provider in Gardiner
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Gardiner 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 Gardiner, 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 Gardiner
What Influences the Cost of Car Insurance in Gardiner?
On average, car insurance in Gardiner 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 Gardiner is 30 minutes, which is about the national average for a driver in the state.
- Maine state insurance regulations may allow for lower prices.
- An average of 7 to 8 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Gardiner are lower than average 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.
- Gardiner is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Gardiner 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
- Randolph: Insurance costs 1.55% more
- Farmingdale: Insurance costs 0.83% less
- Libby Hill: Insurance costs 1.45% less
- Pittston: Insurance costs 1.45% less
- South Gardiner: Insurance costs 1.55% less
- Spears Corner: Insurance costs 1.04% less
- Togus: Insurance costs 2.38% less
- Hallowell: Insurance costs 0.73% less
- Richmond: Insurance costs 0.83% less
- Litchfield Plains: Insurance costs 5.70% more
Cities with Similar Populations
- Greensboro: Insurance costs 78.76% more
- Gunnison: Insurance costs 86.84% more
- Gunbarrel: Insurance costs 99.90% more
- Gulfport: Insurance costs 193.26% more
- Gulf Gate Estates: Insurance costs 148.19% more
- Whitsett: Insurance costs 24.15% more
- Grosse Pointe Park: Insurance costs 230.36% more
- Grosse Pointe Farms: Insurance costs 223.42% more
- Grosse Ile: Insurance costs 210.67% more
- Gridley: Insurance costs 105.91% more