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Get Cheap Car Insurance in North Harpswell, ME
We monitor insurance prices, helping the average driver in North Harpswell save up to 31.9% on car insurance.
The Cheapest Minimum Coverage in North Harpswell
The chart below shows the cheapest car insurance company in North Harpswell 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 Harpswell Insurer | Monthly Cost |
|---|---|
| State Farm | $36 |
| Geico | $38 |
| Concord Group Insurance | $40 |
| Kemper | $40 |
Savings for Every Kind of North Harpswell Driver
Based on our extensive insurance data, we know the average North Harpswell 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 $228 per year by choosing the right vehicle insurance company. Some North Harpswell residents are paying out over $934 extra every year for auto insurance in North Harpswell. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
North Harpswell, ME Savings / Yr. |
|---|---|
$228 |
|
$324 |
|
$293 |
|
$298 |
|
$949 |
|
$198 |
|
$417 |
North Harpswell Car Insurance vs. Maine
People living in North Harpswell pay an average of 1.22% less than the typical driver in the state. The average driver in North Harpswell can expect to pay about $521 per year, or $934 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in North Harpswell for most people.
Car Insurance Prices by North Harpswell Neighborhood
Insurance Prices
Where is insurance cheapest within North Harpswell?
The map shows insurance prices in and around North Harpswell, 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 $934 to a low of $934. 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 Harpswell.Pick the Best Car Insurance Company for You in North Harpswell
The best car insurance provider for most drivers in North Harpswell
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $228 over the average North Harpswell car insurance company.
The best car insurance provider for North Harpswell 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 $324 over the competition.
The best car insurance company for North Harpswell drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $293 better than other car insurance companies.
The best auto insurance for North Harpswell drivers with a DUI conviction
Getting a quote from Concord Group Insurance may cost the average person with a DUI about $298 less each year.
The least expensive car insurance company for new and young drivers in North Harpswell
In North Harpswell, Concord Group Insurance costs young drivers $949 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in North Harpswell
Concord Group Insurance gave the largest car insurance discounts to married couples, averaging $198 saved each year compared to an average North Harpswell couple's premiums.
The cheapest car insurance in North Harpswell for drivers with bad credit
The best North Harpswell car insurance company for customer service
Nationwide was the best company for customer service in North Harpswell according to the NAIC.
Recent price drops
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The cheapest large national provider in North Harpswell
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average North Harpswell 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 North Harpswell, 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 North Harpswell
What Influences the Cost of Car Insurance in North Harpswell?
On average, car insurance in North Harpswell is actually less expensive than the rest of the state. These low 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 17 to 18 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in North Harpswell are among the lowest 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 Harpswell 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 Harpswell is $43 per month for minimum coverage and $78 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
- Harpswell: Insurance costs 0.54% less
- Brunswick Naval Air Station: Insurance costs 2.03% more
- Orrs Island: Insurance costs 2.78% less
- Phippsburg: Insurance costs 0.11% more
- Sebasco Estates: Insurance costs the same
- West Bath: Insurance costs 0.86% more
- Brunswick: Insurance costs 2.89% more
- West Harpswell: Insurance costs 1.28% more
- South Durham: Insurance costs 0.64% more
- West Georgetown: Insurance costs 0.43% less
Cities with Similar Populations
- Young Hickory: Insurance costs 17.99% more
- Emory Gap: Insurance costs 46.68% more
- Emerald Mountain: Insurance costs 58.03% more
- Elmo: Insurance costs 28.16% more
- Elm Grove: Insurance costs 72.91% more
- Elliott: Insurance costs 91.01% more
- Elkhart: Insurance costs 79.12% more
- Elk Mills: Insurance costs 44.65% more
- Elk Grove: Insurance costs 44.75% more
- Elevon: Insurance costs 29.34% more