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Get Cheap Car Insurance in North Belgrade, ME

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

 

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The Cheapest Minimum Coverage in North Belgrade

The chart below shows the cheapest car insurance company in North Belgrade 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.

 
North Belgrade Insurer Monthly Cost
State Farm $37
Geico $38
Concord Group Insurance $41
Kemper $41

Savings for Every Kind of North Belgrade Driver

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

Based on our extensive insurance data, we know the average North Belgrade 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 $233 per year by choosing the right vehicle insurance company. Some North Belgrade residents are paying out over $954 extra every year for auto insurance in North Belgrade. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

North Belgrade Car Insurance vs. Maine

People living in North Belgrade pay an average of 0.81% more than the typical driver in the state. The average driver in North Belgrade can expect to pay about $531 per year, or $954 for full coverage.

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

Car Insurance Prices by North Belgrade Neighborhood

North Belgrade, ME map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within North Belgrade?

The map shows insurance prices in and around North Belgrade, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $8 per year within the city boundaries, with insurance premiums ranging from a high of $958 to a low of $950. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of North Belgrade.

Pick the Best Car Insurance Company for You in North Belgrade

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 North Belgrade insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in North Belgrade

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $233 over the average North Belgrade car insurance company.

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We use the average good driver, paying $60 per month, as our baseline for pricing in North Belgrade. 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 North Belgrade drivers with accidents on their records

In North Belgrade getting into an accident will raise premiums an average 32% for a yearly cost of $1,403. That's $450 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 $331 over the competition.

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The best car insurance company for North Belgrade 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 North Belgrade, tickets raise premiums on new quotes about $255. If you have a speeding ticket, we recommend State Farm, Geico, and Concord Group Insurance for savings that beat the average insurance cost of $1,209 per year.

The best auto insurance for North Belgrade drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,406 per year in auto insurance premiums, which was $453 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 North Belgrade

In North Belgrade, Concord Group Insurance costs young drivers $969 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 North Belgrade. With an average cost of $3,034 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 North Belgrade

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 North Belgrade.

Concord Group Insurance gave the largest car insurance discounts to married couples, averaging $202 saved each year compared to an average North Belgrade couple's premiums.

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The cheapest car insurance in North Belgrade for drivers with bad credit

People with poor credit saved an average of $425 with Concord Group Insurance.

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Many people are surprised that their poor credit score can cost them an average of $682 every year. Premiums for people with poor credit were about $1,635 in North Belgrade. 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 North Belgrade car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In North Belgrade, 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 North Belgrade.

Nationwide was the best company for customer service in North Belgrade 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 North Belgrade, 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 North Belgrade. 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 North Belgrade

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 11% of North Belgrade 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 North Belgrade 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 North Belgrade, 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 North Belgrade

What Influences the Cost of Car Insurance in North Belgrade?

On average, car insurance in North Belgrade 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 North Belgrade is 27 minutes, which is a little less 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 North Belgrade are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
  • North Belgrade is one of the least populated areas 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 North Belgrade 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

Cities with Similar Populations

  • Palmers: Insurance costs 70.65% more
  • Reids: Insurance costs 207.65% more
  • Reeman: Insurance costs 176.73% more
  • Rassat: Insurance costs 73.58% more
  • Quincy: Insurance costs 127.36% more
  • Preston: Insurance costs 25.68% more
  • Pitreville: Insurance costs 218.97% more
  • Pisgah: Insurance costs 33.12% more
  • Piney: Insurance costs 77.99% more
  • Pinedale: Insurance costs 80.71% more
* Who is the average North Belgrade driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central North Belgrade 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.