Get Affordable Casco, ME Auto Insurance Quotes (2024)
Casco, Maine auto insurance rates are $187.96/mo or $2,255.53/yr, which is less on average for auto insurance than the national average. Casco, Maine auto insurance rates for teenage drivers are the highest at $453.11/mo or $5,437.37/yr. USAA provides the lowest Casco, Maine auto insurance rates at $92/mo for drivers with good credit. Read for more about Casco, Maine auto insurance.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: Nov 3, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 3, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The average cost of auto insurance in Casco is $187.96 per month.
- Maine drivers pay less on average for auto insurance than the national average.
- Sixty-year-old women receive the cheapest auto insurance rates in Casco.
Are you looking to minimize your insurance rates in Casco, Maine? Casco auto insurance rates average $187.96 per month or $2,255.53 annually. Those rates are higher than the average Maine auto insurance rates.
In this comprehensive guide, we’ll explore how insurance companies determine your rates, help you with understanding auto insurance laws, and compare Casco car insurance options to help you minimize your auto insurance costs.
Ready to start comparison shopping for Casco, ME auto insurance? Enter your ZIP code into our FREE tool above to receive quotes.
Auto Insurance Rates in Casco, ME
The average auto insurance cost in Casco as mentioned above, is $187.96 a month. That’s higher than the average Maine auto insurance rates, which are $90/month. To secure the best auto insurance rates in Casco, we have to look at your unique demographics that interest insurance companies.
Armed with this information, you’ll be able to lower your auto insurance premium.
Companies will determine your quotes for auto insurance by age and gender, but that’s not all. They will also determine your rates for auto insurance by ZIP code, credit history, driving record, and even commute length. Keep reading to learn how and why.
Do gender and age affect my auto insurance in Casco, ME?
Your average auto insurance rates will change depending on your age and gender. Keep in mind, the differences in costs are greater based on your age than your gender. DataUSA reports that the median age in Casco is thirty-two.
Check out the following table to see how much you’ll likely pay based on your age.
Casco, ME Average Annual Auto Insurance Rates by Age| Age | Average Auto Insurance Rate |
|---|---|
| 60-years old | $1,522.34 |
| 35-years old | $1,588.65 |
| 25-years old | $1,879.26 |
| 17-years old | $5,437.37 |
As you can see, teenagers pay the most by far, in large part because of their lack of driving experience. Once you hit 25, those rates drop drastically.
Those who are 25 pay only $24.22 per month or $290.61 per year more than those who are 35. The gap between 35-year-olds and 60-year-olds is even smaller; the younger drivers pay just $5.53 more per month.
Men in Casco do pay more on average than women. Insurance companies assume men are more reckless drivers than women and are more likely to be involved in an accident.
Fortunately, the difference in cost is not too extreme. See what we mean in the table below.
Casco, ME Average Annual Auto Insurance Rates by Gender| Gender | Average Auto Insurance Rate |
|---|---|
| Female | $2,415.60 |
| Male | $2,606.90 |
Men pay only $15.94 more per month than women, which adds up to $191.30 per year. Now let’s combine the two. Take a look at the table below to see what Casco residents pay for auto insurance rates by gender and age.
Casco, ME Average Annual Auto Insurance Rates by Age and Gender| Demographic | Average Auto Insurance Rate |
|---|---|
| Married 60-year-old female | $1,509.16 |
| Married 60-year-old male | $1,535.51 |
| Married 35-year-old female | $1,583.06 |
| Married 35-year-old male | $1,594.24 |
| Single 25-year-old female | $1,742.53 |
| Single 25-year-old male | $2,015.99 |
| Single 17-year-old female | $4,827.64 |
| Single 17-year-old male | $6,047.10 |
| Average annual rates | $2,606.90 |
Teenage boys pay the most compared to any other bracket. At just $125.76 per month, 60-year-old women have the lowest average auto insurance rates by gender and age monthly in Casco.
What ZIP codes have the cheapest auto insurance rates in Casco, ME?
Companies will determine your rates for auto insurance by ZIP codes. Reviews of crime rates help companies determine who receives the highest auto insurance rates by ZIP codes and who receives the lowest.
The lowest insurance ZIP codes are usually the places with the least amount of crime. In Casco, you do not have to worry about auto insurance by ZIP code because the city has only one. Therefore, you and your neighbors are all receiving similar rates.
Which companies have the best auto insurance rates in Casco, ME?
Some auto insurance companies are just not as active in certain cities than others. Those companies are unable to offer the best auto insurance quotes in the region. No one wants to be paying the highest auto insurance rates by Casco standards.
Let’s compare the leading commercial auto insurance companies to determine which ones you should avoid, and which ones will provide you with lower auto insurance rates.
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Cheapest Auto Insurance Rates by Company
Take a look at the following table, which shows annual rates that people in Casco pay for auto insurance from the major commercial companies. We’ll explore the auto insurance details in more depth.
Casco, ME Average Annual Auto Insurance Rates by Company| Demographics | USAA | Geico | Travelers | State Farm | Allstate | Farmers | Progressive | Liberty Mutual |
|---|---|---|---|---|---|---|---|---|
| Married 60-year-old female | $863.53 | $1,035.37 | $992.94 | $1,257.10 | $1,648.56 | $1,672.56 | $1,862.71 | $2,740.51 |
| Married 60-year-old male | $843.16 | $1,035.37 | $1,015.88 | $1,257.10 | $1,785.41 | $1,782.96 | $1,823.69 | $2,740.51 |
| Married 35-year old-female | $867.84 | $1,035.37 | $1,093.82 | $1,329.06 | $1,826.28 | $1,772.40 | $1,862.71 | $2,877.01 |
| Married 35-year-old male | $854.69 | $1,071.78 | $1,134.12 | $1,329.06 | $1,876.69 | $1,786.84 | $1,823.69 | $2,877.01 |
| Single 25-year-old female | $1,103.12 | $1,129.68 | $1,088.33 | $1,485.45 | $1,977.84 | $2,109.48 | $2,169.29 | $2,877.01 |
| Single 25-year-old male | $1,157.42 | $1,202.89 | $1,255.90 | $1,626.72 | $2,208.24 | $2,179.69 | $2,454.92 | $4,042.13 |
| Single 17-year-old female | $2,864.05 | $2,564.25 | $4,391.61 | $4,281.28 | $4,661.26 | $5,906.24 | $7,866.54 | $6,085.85 |
| Single 17-year-old male | $3,158.12 | $3,329.79 | $5,931.98 | $5,338.45 | $6,235.88 | $6,450.12 | $8,836.90 | $9,095.57 |
| Average Annual Rates | $1,463.99 | $1,550.56 | $2,113.07 | $2,238.03 | $2,777.52 | $2,957.54 | $3,587.56 | $4,166.95 |
If you are eligible for USAA, their rates are extremely competitive. However, only active or retired military members and their families are able to apply for USAA insurance.
Fortunately for civilians, Geico’s rates are comparable to USAA, especially if you’re younger than thirty-five.
Travelers offers a slightly lower rate than Geico for women who are 25, and for women 60 and older. No matter who you are in Casco, you probably want to avoid using Liberty Mutual as their rates are much higher than the rest.
Best Auto Insurance for Commute Rates
It may surprise you to learn that some companies will charge you more for auto insurance in Casco if you have a longer commute. Mainers drive an average of 14,035 miles per year, very close to the national average of 14,132 miles.
The average length of a commute for those living in Casco is 34.5 minutes, which is substantially longer than the national average of 25.1 minutes.
Most people in Casco are driving thirty minutes or more, with many commutes surpassing a full hour. To insurance companies, lots of driving, especially at peak-congestion times, increases your chance of getting into an accident. That means higher rates.
The most common Casco, Maine jobs are office administrators and food-related occupations, many of which are outside of the city.
Does your commute time mean higher insurance rates? Take a look at the table below to find out.
Casco, ME Average Annual Auto Insurance Rates by Commute| Companies | Average Rates with 10 Miles Commute 6,000 Annual Mileage | Average Rates with 25 Miles Commute 12,000 Annual Mileage | Average Annual Auto Insurance Rates |
|---|---|---|---|
| USAA | $1,423.05 | $1,504.93 | $1,463.99 |
| Geico | $1,525.13 | $1,575.99 | $1,550.56 |
| Travelers | $2,113.07 | $2,113.07 | $2,113.07 |
| State Farm | $2,165.03 | $2,311.02 | $2,238.03 |
| Allstate | $2,777.52 | $2,777.52 | $2,777.52 |
| Farmers | $2,957.54 | $2,957.54 | $2,957.54 |
| Progressive | $3,587.56 | $3,587.56 | $3,587.56 |
| Liberty Mutual | $4,081.64 | $4,252.26 | $4,166.95 |
That’s right, front runners USAA and Geico both charge more if your drive to work is longer than 25 miles. Travelers, on the other hand, will not. Comparison shopping becomes really important once you factor in more of your individual demographics.
Best Auto Insurance for Coverage Level Rates
When it comes to weather, Casco, Maine residents are ready for almost anything, including blizzards. Investing in higher coverage auto insurance may help protect you should you hit a patch of black ice or get caught in a winter storm pile-up.
The state of Maine also requires drivers to purchase uninsured motorist coverage. We can teach you all about uninsured motorist bodily injury coverage, which protects you if you get hit by a driver who is uninsured or underinsured.
If the driver responsible for an accident is uninsured, they are usually also unable to pay for your expenses out of pocket. Uninsured motorist bodily injury coverage means your insurance company will take on that responsibility instead of you.
The Insurance Information Institute reports that Maine is the state with the least amount of uninsured drivers. They estimate that only 4.5 percent of drivers do not have some type of coverage.
You can avoid the stress and risk altogether by ensuring you have a higher coverage policy. How much will that higher coverage cost you? Check out the table below to find out.
Casco, ME Average Annual Auto Insurance Rates by Coverage Level| Companies | Average Rates for Low Coverage | Average Rates for Medium Coverage | Average Rates for High Coverage | Average Annual Auto Insurance Rates |
|---|---|---|---|---|
| USAA | $1,434.47 | $1,445.89 | $1,511.61 | $1,463.99 |
| Geico | $1,517.67 | $1,527.50 | $1,606.52 | $1,550.56 |
| Travelers | $2,080.20 | $2,084.02 | $2,174.99 | $2,113.07 |
| State Farm | $2,179.59 | $2,214.26 | $2,320.23 | $2,238.03 |
| Allstate | $2,739.25 | $2,740.28 | $2,853.03 | $2,777.52 |
| Farmers | $2,832.28 | $2,852.73 | $3,187.61 | $2,957.54 |
| Progressive | $3,513.55 | $3,521.53 | $3,727.59 | $3,587.56 |
| Liberty Mutual | $4,113.68 | $4,113.68 | $4,273.49 | $4,166.95 |
If you’re using USAA, Travelers, and Geico, opting for medium coverage costs just $10 or less annually. That’s less than a dollar more per month for coverage that could help you save thousands. In our opinion, it’s definitely worth the investment.
Best Auto Insurance for Credit History Rates
Another bit of information insurance companies want to know about is your credit history. To an insurance company, a good credit history proves you are responsible and leads to lower insurance rates.
See what we mean in the table below.
Casco, ME Average Annual Auto Insurance Rates by Credit History| Companies | Average Rates With Good Credit | Average Rates With Fair Credit | Average Rates With Poor Credit | Average Annual Auto Insurance Rates |
|---|---|---|---|---|
| USAA | $1,150.97 | $1,321.79 | $1,919.22 | $1,463.99 |
| Geico | $1,180.80 | $1,384.56 | $2,086.32 | $1,550.56 |
| State Farm | $1,507.40 | $1,947.04 | $3,259.64 | $2,238.03 |
| Travelers | $1,815.62 | $2,037.85 | $2,485.75 | $2,113.07 |
| Allstate | $2,180.11 | $2,662.02 | $3,490.44 | $2,777.52 |
| Farmers | $2,605.09 | $2,827.49 | $3,440.03 | $2,957.54 |
| Liberty Mutual | $2,940.59 | $3,759.58 | $5,800.68 | $4,166.95 |
| Progressive | $3,235.32 | $3,479.56 | $4,047.79 | $3,587.56 |
USAA and Geico will charge just under one thousand dollars more annually for auto insurance in Casco if you have poor credit.
Luckily, not all hope is lost if you have fair or poor credit in Casco. Compared to State Farm and Allstate, both USAA and Geico’s averages are still pretty low, followed closely by Travelers.
If you have poor credit but your commute is short, that can also help you secure a decent rate.
Best Auto Insurance for Driving Record Rates
Your driving record can have the biggest impact on your auto insurance rates, not only in Casco but nationwide. Take a look at the table below to see how even a single speeding incident can raise your rates.
Casco, ME Average Annual Auto Insurance Rates by Driving Record| Companies | Average Rates With a Clean Record | Average Rates With 1 Accident | Average Rates With 1 DUI | Average Rates With 1 Speeding Violation | Average Annual Auto Insurance Rates |
|---|---|---|---|---|---|
| USAA | $1,111.42 | $1,464.91 | $2,057.13 | $1,222.50 | $1,544.49 |
| Geico | $1,129.74 | $1,587.03 | $2,355.73 | $1,129.74 | $1,690.83 |
| Travelers | $1,762.68 | $1,958.17 | $2,450.66 | $2,280.79 | $2,057.17 |
| State Farm | $2,028.91 | $2,447.13 | $2,238.04 | $2,238.04 | $2,238.03 |
| Allstate | $2,259.38 | $3,074.28 | $3,216.67 | $2,559.75 | $2,850.11 |
| Farmers | $2,583.52 | $3,296.75 | $2,859.30 | $3,090.58 | $2,913.19 |
| Progressive | $2,872.60 | $4,865.91 | $3,198.40 | $3,413.32 | $3,645.64 |
| Liberty Mutual | $3,203.38 | $3,767.49 | $6,211.49 | $3,485.44 | $4,394.12 |
Okay, a single speeding incident using Geico in Casco may not raise your rates at all. The same cannot be said for any of the other companies. Not to mention a DUI can cost you upwards of one thousand dollars annually.
Safe driving always pays off, and it can also help you qualify for discounts. Be sure to ask your insurance agent if your vehicle has safety features that can lower your auto insurance rates.
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What affects auto insurance rates in Casco, ME?
We’ve talked about the different factors that affect auto insurance, like age, gender, credit history, and your driving record. However, to secure cheap auto insurance in Casco, let’s discuss a few more things insurance companies consider.
How are auto insurance premiums calculated? Companies often use auto insurance rating tiers to determine your overall rates.
If you can prove you are a low-risk driver who is unlikely to get into an accident, you will secure that lower auto insurance quote.
However, your average rate is also impacted by the city you live in. For example, the road conditions of your city can increase your premiums. So can’t crime rates and even traffic congestion. Let’s see how Casco holds up in the eyes of insurance providers.
Road Conditions in Casco, ME
Unfortunately, bad roads in a city lead to a higher risk of accidents, especially during rain or snowstorms. Maine drivers are used to potholes and frost heaves forming once the springtime melts away the snow. To insurance companies, the added driving risk means higher rates.
The following table shows the road conditions in Portland, Maine’s largest city located 45 minutes from Casco.
Road Conditions in Portland, ME| Road Condition | Total Percent of Portland Roads |
|---|---|
| Poor share | 28% |
| Mediocre share | 24% |
| Fair share | 17% |
| Good Share | 31% |
Over fifty percent of the roads are in mediocre or poor conditions. The messy roads lead to the vehicle operating cost in Portland reaching $617, pretty high.
Portland may be a drive from Casco, but the city’s roads accurately represent the rest of the state. In 2019, the Maine Better Transportation Association estimated that the state needs an additional $198 million to fix the poor quality bridges and roads, as reported by WABI5.
However, News Center Maine reports that those roads may not be getting fixed anytime soon due to recent revenue losses. Check out their video below.
Even if roads in Casco are in pristine conditions, auto insurance companies know you’ll be driving to other towns and cities. They factor in the road conditions of your surrounding areas when giving out rates.
Vehicle Theft in Casco, ME
We’ve previously discussed how higher rates of crime in a region can lead to higher auto insurance rates. Often, auto insurance policies that include comprehensive coverage will cover the actual cash value of a stolen car.
While no specific data about vehicle thefts in Casco is available, the following table shows the number of vehicle thefts from some neighboring and nearby towns in 2017. The numbers come from the FBI.
Vehicle Theft Rates in Towns Near Casco, ME| Town | Population | Motor Vehicle Thefts | Distance from Casco |
|---|---|---|---|
| Mechanic Falls | 2,986 | 4 | 13.6 miles |
| Bridgton | 5,414 | 4 | 15.3 miles |
| Cumberland | 7,956 | 1 | 23.4 miles |
| Portland | 67,079 | 97 | 27.3 miles |
The good news is, Maine crime rates across the board are relatively low, even in Portland, the state’s largest city.
According to Safewise, only nine percent of Mainers were a victim of violent crime in the last 12 months, and only 15 percent were victims of property crime.
You can breathe easy, Casco folks. Low crime rates mean lower auto insurance costs.
Traffic Congestion in Maine
Even though Maine is a sprawling, large state, drivers still feel the effects of traffic congestion. Insurance companies know rush hour traffic and other causes of traffic jams can lead to more road accidents. You guessed it, that could mean higher auto insurance rates.
However, when it comes to traffic problems in Casco, you won’t be kept up at night wondering how to reduce traffic issues. There just aren’t that many.
Tourism in the summer is one of the causes of traffic congestion, but the impact is minimal and usually does not lead to bumper to bumper driving.
If you’re living in Casco, you’ll likely only find real traffic congestion if you commute to Portland. Intrix reports that drivers lost twenty-two hours in 2019 stuck in traffic in the Port city.
In 2018, WMTW, a local to Casco, Maine news station, covered the increase in traffic congestion on the major highway nearby the Casco region, and how the Maine Turnpike Authority intended to correct the growing concern. Check out the video from their youtube channel.
Fortunately, the loss in revenue Maine is currently experiencing has not put this project on hold. In fact, much of the construction currently happening on the Maine turnpike is connected to the plans referenced in the WMTW video.
Once the project is completed and traffic flows more freely, you may also experience a decrease in average annual auto insurance rates.
Allstate America’s Best Drivers Report
If your city makes it on Allstate America’s Best Drivers Report, it means you live in one of the twp hundred largest cities with the best drivers. Casco is not a large enough town to be considered for this report.
Maine’s largest city, Portland, has never made the list.
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Frequently Asked Questions
Where can I find auto insurance agents in Casco, Maine?
You can find auto insurance agents in Casco, Maine by searching online directories, visiting local agency websites, contacting insurance companies, or asking for recommendations.
Why is auto insurance important?
Auto insurance provides financial protection for accidents, damages, injuries, and legal liabilities. It’s required by law in most states, including Maine.
Is Costco auto insurance a good deal?
Costco doesn’t offer auto insurance directly. Costco members get access to discounted rates through the Costco Auto Program, so it depends on the quotes you receive from participating insurance companies.
What are the three types of auto insurance?
The three types are liability coverage (damages/injuries to others), collision coverage (damages to your vehicle), and comprehensive coverage (non-collision damages).
What is there to do in Casco, Maine?
Casco offers attractions like Sebago Lake State Park, Point Sebago Resort, boating, fishing, hiking, and local shops/restaurants.
Where is Casco, Maine?
Casco is a town in Cumberland County, Maine, USA.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.