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Get Cheap Car Insurance in Spruce Head, ME
We monitor insurance prices, helping the average driver in Spruce Head save up to 31.9% on car insurance.
The Cheapest Minimum Coverage in Spruce Head
The chart below shows the cheapest car insurance company in Spruce Head 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.
| Spruce Head Insurer | Monthly Cost |
|---|---|
| State Farm | $36 |
| Geico | $38 |
| Concord Group Insurance | $41 |
| Kemper | $41 |
Savings for Every Kind of Spruce Head Driver
Based on our extensive insurance data, we know the average Spruce Head 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 $230 per year by choosing the right vehicle insurance company. Some Spruce Head residents are paying out over $941 extra every year for auto insurance in Spruce Head. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Spruce Head, ME Savings / Yr. |
|---|---|
$230 |
|
$326 |
|
$295 |
|
$300 |
|
$956 |
|
$199 |
|
$420 |
Spruce Head Car Insurance vs. Maine
People living in Spruce Head pay an average of 0.54% less than the typical driver in the state. The average driver in Spruce Head can expect to pay about $524 per year, or $941 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Spruce Head for most people.
Car Insurance Prices by Spruce Head Neighborhood
Insurance Prices
Where is insurance cheapest within Spruce Head?
The map shows insurance prices in and around Spruce Head, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $18 per year within the city boundaries, with insurance premiums ranging from a high of $941 to a low of $923. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the East parts of Spruce Head.Pick the Best Car Insurance Company for You in Spruce Head
The best car insurance provider for most drivers in Spruce Head
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $230 over the average Spruce Head car insurance company.
The best car insurance provider for Spruce Head 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 $326 over the competition.
The best car insurance company for Spruce Head drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $295 better than other car insurance companies.
The best auto insurance for Spruce Head drivers with a DUI conviction
Getting a quote from Concord Group Insurance may cost the average person with a DUI about $300 less each year.
The least expensive car insurance company for new and young drivers in Spruce Head
In Spruce Head, Concord Group Insurance costs young drivers $956 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Spruce Head
Concord Group Insurance gave the largest car insurance discounts to married couples, averaging $199 saved each year compared to an average Spruce Head couple's premiums.
The cheapest car insurance in Spruce Head for drivers with bad credit
The best Spruce Head car insurance company for customer service
Nationwide was the best company for customer service in Spruce Head according to the NAIC.
Recent price drops
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The cheapest large national provider in Spruce Head
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Spruce Head 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 Spruce Head, 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 Spruce Head
What Influences the Cost of Car Insurance in Spruce Head?
On average, car insurance in Spruce Head 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:
- The average commute time in Spruce Head is 22 minutes, which is far 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 Spruce Head are among the highest 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.
- Spruce Head is a lightly populated area 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 Spruce Head is $44 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
- St. George: Insurance costs 0.11% less
- South Thomaston: Insurance costs the same
- Cushing: Insurance costs 0.74% less
- Tenants Harbor: Insurance costs 0.43% less
- Thomaston: Insurance costs 1.17% less
- Owls Head: Insurance costs 0.53% less
- Friendship: Insurance costs 0.64% more
- Pleasant Point: Insurance costs 0.74% less
- Port Clyde: Insurance costs 0.64% less
- Rockland: Insurance costs 1.59% more
Cities with Similar Populations
- Seelyville: Insurance costs 23.49% more
- Montreal: Insurance costs 25.72% more
- Port Gibson: Insurance costs 113.50% more
- Ripley: Insurance costs 77.36% more
- Round Lake: Insurance costs 121.68% more
- Rumley: Insurance costs 67.59% more
- Salisbury: Insurance costs 26.14% more
- San Rafael: Insurance costs 53.45% more
- Sasser: Insurance costs 69.93% more
- Savage: Insurance costs 82.47% more