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Get Cheap Car Insurance in Onawa, ME

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

 

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The Cheapest Minimum Coverage in Onawa

The chart below shows the cheapest car insurance company in Onawa 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.

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

Savings for Every Kind of Onawa Driver

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

Based on our extensive insurance data, we know the average Onawa 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 Onawa residents are paying out over $953 extra every year for auto insurance in Onawa. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Onawa, ME Savings / Yr.
Drivers with good records
$233
Drivers with accidents
$330
Drivers with speeding tickets
$299
Drivers with a DUI conviction
$304
Young drivers
$968
Married drivers
$201
Drivers with bad credit
$425

Onawa Car Insurance vs. Maine

People living in Onawa pay an average of 0.74% more than the typical driver in the state. The average driver in Onawa can expect to pay about $531 per year, or $953 for full coverage.

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

Car Insurance Prices by Onawa Neighborhood

Onawa, 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 Onawa?

The map shows insurance prices in and around Onawa, 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 $953 to a low of $953. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Onawa.

Pick the Best Car Insurance Company for You in Onawa

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

The best car insurance provider for most drivers in Onawa

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

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

In Onawa getting into an accident will raise premiums an average 32% for a yearly cost of $1,402. That's $449 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 $330 over the competition.

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The best car insurance company for Onawa 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 Onawa, 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 $1,208 per year.

The best auto insurance for Onawa drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,405 per year in auto insurance premiums, which was $452 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 Onawa

In Onawa, Concord Group Insurance costs young drivers $968 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 Onawa. With an average cost of $3,032 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 Onawa

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 Onawa.

Concord Group Insurance gave the largest car insurance discounts to married couples, averaging $201 saved each year compared to an average Onawa couple's premiums.

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The cheapest car insurance in Onawa 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 $681 every year. Premiums for people with poor credit were about $1,634 in Onawa. 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 Onawa car insurance company for customer service

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

Nationwide was the best company for customer service in Onawa 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 Onawa, 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 Onawa. 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 Onawa

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 6.3% of Onawa 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 Onawa 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 Onawa, 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 Onawa

What Influences the Cost of Car Insurance in Onawa?

On average, car insurance in Onawa 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 Onawa is 46 minutes, which is far more 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 Onawa are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
  • Onawa is one of the most densely populated areas 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 Onawa 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

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