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When comparing auto insurance policies, looking at the difference in price between plans with high and low deductibles is a good place to start. In Maine, the average cost for minimum coverage is $32 per month, or $386 yearly — a savings of $648 compared to full coverage. Atlanta ranks as the 27th most expensive city for car insurance in Georgia. Get a free quote. While average car insurance rates fluctuate by state, 35-year-olds in several states — including Idaho, Maine, Massachusetts and Vermont — can pay less than $1,400 a year, on average, for full.