Get Affordable Casco, ME Auto Insurance Quotes (2023)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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: Casco, ME Auto Insurance

You are now ready to secure the cheapest auto insurance rates in Casco, Maine. Refer back to this guide as much as needed while you comparison shop. Did we miss something? Check out our frequently asked questions below.

#1 – Where is Casco, Maine?

Looking into Casco, Maine real estate, or for a Casco, Maine map? Casco is located in Southern, Maine. The Casco, Maine county is Cumberland County. Nearby towns include Naples, Poland, and Raymond, Maine.

#2 – What is there to do in Casco, Maine?

If you’re planning to visit Casco, Maine there is plenty to do. There are beautiful Casco, Maine hotels, and many hiking trails. Plus the local shopping and restaurants are great. Craving a beach day? Visit Sebago Lake State Park.

You can also join in celebrating Casco Days, Maine’s festival that includes a parade, a road race, food, fun, and more. The festival also supports the Casco, Maine school district.

#3 – What are the three types of auto insurance?

The three different types of insurance are liability, collision, and comprehensive coverage. Which type of insurance is best for your car? All of them. These three types of insurance are all required in Maine.

As per the Maine state motor vehicle insurance act, state law requires a minimum of $50,000 bodily injury liability coverage per person and $100,000 per accident. Maine also requires $25,000 property damage liability coverage per accident.

#4 – Is Costco auto insurance a good deal?

There are no Costco’s located in the state of Maine. So if you’re living in Casco or any other town in the Pine Tree State, it’s best to avoid Costco auto insurance.

#5 – What is Kasco insurance?

Kasco, also spelled Kasko, is an insurance company not located in the United States and is not affiliated with the town of Casco, Maine in any way.

#6 – Why is auto insurance important?

The auto insurance concept is important because it protects you from paying thousands of dollars out of pocket if you get into an accident, especially one that is not your fault. It is illegal to not have auto insurance in Maine.

In fact, when it comes to auto insurance, the USA requires coverage in forty-nine out of fifty states. Protect yourself and others by investing in comprehensive coverage.

#7 – Where can I find auto insurance agents in Casco, Maine?

Check out our list of auto insurance agents near Casco, Maine below. To get rates for your vehicle, contact these agents directly.

Want to compare auto insurance rates in Casco online? Enter your ZIP code into our FREE tool below to get the cheapest auto insurance rates in the area.

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