Car Insurance Quotes in West Scarborough, ME
Drivers in West Scarborough pay an estimated $1,079 a year for full coverage car insurance, or about $90 a month. That is around 11% below the Maine average, helped by low traffic density and few comprehensive claims. Two drivers on the same street routinely pay double the difference, so treat the average as a starting point and quote your own profile.
Car insurance calculator — West Scarborough, ME
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in West Scarborough, ME
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $820 | $68 | -24% | Military members and families only |
| Geico | $885 | $74 | -18% | Usually cheapest for clean records |
| State Farm | $950 | $79 | -12% | Strong for young and student drivers |
| Progressive | $1,025 | $85 | -5% | Competitive after a ticket or accident |
| Travelers | $1,047 | $87 | -3% | Good multi-policy discounts |
| Nationwide | $1,079 | $90 | 0% | Mid-market, wide availability |
| Allstate | $1,230 | $103 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $1,306 | $109 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in West Scarborough, ME. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Car insurance rates by age in West Scarborough
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $2,915 | $979 | $243 |
| 18 years old | $2,459 | $826 | $205 |
| 20 years old | $2,036 | $684 | $170 |
| 22 years old | $1,691 | $568 | $141 |
| 25 years old | $1,291 | $434 | $108 |
| 30 years old | $1,113 | $374 | $93 |
| 40 years old | $1,046 | $351 | $87 |
| 50 years old | $1,001 | $336 | $83 |
| 60 years old | $990 | $333 | $83 |
| 65 years old | $1,035 | $348 | $86 |
| 70 years old | $1,135 | $381 | $95 |
| 75 years old | $1,324 | $445 | $110 |
Estimated premiums by age in West Scarborough, ME, clean record, sedan.
What a ticket, accident or DUI costs in West Scarborough
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $1,079 | — |
| 1 speeding ticket | $1,327 | +23% |
| 1 at-fault accident | $1,586 | +47% |
| DUI / DWI | $2,040 | +89% |
What a violation costs a 35-year-old in West Scarborough, ME. Surcharges normally stay on the policy for three to five years.
Minimum car insurance requirements in Maine
Every driver registering a vehicle in Maine must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Maine Department of Insurance.
| Required coverage in Maine | Minimum limit |
|---|---|
| Bodily injury liability, per person | $50,000 |
| Bodily injury liability, per accident | $100,000 |
| Property damage liability | $25,000 |
| Uninsured motorist 50/100 | Required |
| Medical payments $2,000 | Required |
| Insurance system | At-fault (tort) |
Coverage levels compared in West Scarborough
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $363 | $30 |
| Full coverage (100/300/100 + comp & collision) | $1,079 | $90 |
| Full coverage, high limits + low deductible | $1,284 | $107 |
Coverage level comparison for West Scarborough, ME.
Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.
ZIP codes we price in West Scarborough
Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. West Scarborough covers 04063, 04070, 04106, 04107 among others. Enter yours in the calculator above.
Frequently asked questions
▸How much is car insurance in West Scarborough, ME?
▸What is the minimum car insurance required in Maine?
▸Who has the cheapest car insurance in West Scarborough?
▸How much does car insurance cost for a teen driver in West Scarborough?
▸How much does a DUI raise insurance in West Scarborough?
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Car insurance in nearby cities
Comparing more of Maine? See every Maine city we price or read the cheap car insurance guide for West Scarborough.