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Get Cheap Car Insurance in Hancock County, ME

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

 

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The Cheapest Minimum Coverage in Hancock County

The chart below shows the cheapest car insurance company in Hancock County 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.

 
Hancock County Insurer Monthly Cost
State Farm $37
Geico $39
Concord Group Insurance $41
Kemper $42

Savings for Every Kind of Hancock County Driver

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

Based on our extensive insurance data, we know the average Hancock County 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 $235 per year by choosing the right vehicle insurance company. Some Hancock County residents are paying out over $963 extra every year for auto insurance in Hancock County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Hancock County, ME Savings / Yr.
Drivers with good records
$235
Drivers with accidents
$334
Drivers with speeding tickets
$302
Drivers with a DUI conviction
$307
Young drivers
$978
Married drivers
$204
Drivers with bad credit
$429

Hancock County Car Insurance vs. Maine

People living in Hancock County pay an average of 1.75% more than the typical driver in the state. The average driver in Hancock County can expect to pay about $536 per year, or $963 for full coverage.

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

Car Insurance Prices by Hancock County Neighborhood

Hancock County, ME map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Hancock County?

The map shows insurance prices in and around Hancock County, 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 county boundaries, with insurance premiums ranging from a high of $995 to a low of $925. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the South parts of Hancock County.

Pick the Best Car Insurance Company for You in Hancock County

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 Hancock County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Hancock County

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $235 over the average Hancock County car insurance company.

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We use the average good driver, paying $61 per month, as our baseline for pricing in Hancock County. 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 Hancock County drivers with accidents on their records

In Hancock County getting into an accident will raise premiums an average 32% for a yearly cost of $1,416. That's $454 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 $334 over the competition.

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The best car insurance company for Hancock County drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $302 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 Hancock County, tickets raise premiums on new quotes about $257. If you have a speeding ticket, we recommend State Farm, Geico, and Concord Group Insurance for savings that beat the average insurance cost of $1,220 per year.

The best auto insurance for Hancock County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,419 per year in auto insurance premiums, which was $457 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 $307 less each year.

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The least expensive car insurance company for new and young drivers in Hancock County

In Hancock County, Concord Group Insurance costs young drivers $978 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 Hancock County. With an average cost of $3,063 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 Hancock County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $83. State Farm, Geico, and Concord Group Insurance provided the largest discounts to couples living in Hancock County.

Concord Group Insurance gave the largest car insurance discounts to married couples, averaging $204 saved each year compared to an average Hancock County couple's premiums.

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The cheapest car insurance in Hancock County for drivers with bad credit

People with poor credit saved an average of $429 with Concord Group Insurance.

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Many people are surprised that their poor credit score can cost them an average of $688 every year. Premiums for people with poor credit were about $1,650 in Hancock County. 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 Hancock County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Hancock County, 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 Hancock County.

Nationwide was the best company for customer service in Hancock County 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 Hancock County, 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 Hancock County. 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 Hancock County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 23% of Hancock County residents who are renting, and don't plan to be in the county 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 Hancock County 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 Hancock County, 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 Hancock County

What Influences the Cost of Car Insurance in Hancock County?

On average, car insurance in Hancock County 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 county are influenced by the following factors:

  • The average commute time in Hancock County is 29 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 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Hancock County are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
  • Hancock County has an average population density in the state. The county’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 Hancock County 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 Counties

Counties with Similar Populations

* Who is the average Hancock County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Hancock County 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.