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Get Cheap Car Insurance in West Harpswell, ME
We monitor insurance prices, helping the average driver in West Harpswell save up to 31.9% on car insurance.
The Cheapest Minimum Coverage in West Harpswell
The chart below shows the cheapest car insurance company in West 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.
| West Harpswell Insurer | Monthly Cost |
|---|---|
| State Farm | $37 |
| Geico | $38 |
| Concord Group Insurance | $41 |
| Kemper | $41 |
Savings for Every Kind of West Harpswell Driver
Based on our extensive insurance data, we know the average West 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 $231 per year by choosing the right vehicle insurance company. Some West Harpswell residents are paying out over $946 extra every year for auto insurance in West Harpswell. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
West Harpswell, ME Savings / Yr. |
|---|---|
$231 |
|
$328 |
|
$297 |
|
$302 |
|
$961 |
|
$200 |
|
$422 |
West Harpswell Car Insurance vs. Maine
People living in West Harpswell pay an average of 0.03% less than the typical driver in the state. The average driver in West Harpswell can expect to pay about $527 per year, or $946 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in West Harpswell for most people.
Car Insurance Prices by West Harpswell Neighborhood
Insurance Prices
Where is insurance cheapest within West Harpswell?
The map shows insurance prices in and around West Harpswell, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $15 per year within the city boundaries, with insurance premiums ranging from a high of $946 to a low of $931. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of West Harpswell.Pick the Best Car Insurance Company for You in West Harpswell
The best car insurance provider for most drivers in West Harpswell
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $231 over the average West Harpswell car insurance company.
The best car insurance provider for West 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 $328 over the competition.
The best car insurance company for West Harpswell drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $297 better than other car insurance companies.
The best auto insurance for West Harpswell drivers with a DUI conviction
Getting a quote from Concord Group Insurance may cost the average person with a DUI about $302 less each year.
The least expensive car insurance company for new and young drivers in West Harpswell
In West Harpswell, Concord Group Insurance costs young drivers $961 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in West Harpswell
Concord Group Insurance gave the largest car insurance discounts to married couples, averaging $200 saved each year compared to an average West Harpswell couple's premiums.
The cheapest car insurance in West Harpswell for drivers with bad credit
The best West Harpswell car insurance company for customer service
Nationwide was the best company for customer service in West Harpswell according to the NAIC.
Recent price drops
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The cheapest large national provider in West Harpswell
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average West 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 West 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 West Harpswell
What Influences the Cost of Car Insurance in West Harpswell?
On average, car insurance in West 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:
- The average commute time in West Harpswell is 34 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 17 to 18 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in West Harpswell 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.
- West 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 West Harpswell 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
- Orrs Island: Insurance costs 4.02% less
- Bailey Island: Insurance costs 4.02% less
- Harpswell: Insurance costs 1.80% less
- South Durham: Insurance costs 0.63% less
- North Harpswell: Insurance costs 1.27% less
- Chebeague Island: Insurance costs 5.50% less
- Cliff Island: Insurance costs 0.53% more
- South Freeport: Insurance costs 2.54% less
- Freeport: Insurance costs 1.06% less
- Brunswick Naval Air Station: Insurance costs 0.74% more
Cities with Similar Populations
- Westley: Insurance costs 107.61% more
- Glenwood: Insurance costs 55.29% more
- Gloverville: Insurance costs 68.29% more
- Gorman: Insurance costs 44.71% more
- Grafton: Insurance costs 27.06% more
- Grand Junction: Insurance costs 30.97% more
- Grethel: Insurance costs 155.39% more
- Hanover: Insurance costs 61.95% more
- Highmore: Insurance costs 75.58% more
- Glenn: Insurance costs 89.75% more