Best Homeowners Insurance in Maine
Best cheap home insurance companies in Maine
Cheapest home insurance companies in Maine
Vermont Mutual has the cheapest homeowners insurance in Maine, with rates that average $1,006 a year, or $84 a month. This is 43% less than the state average of $148 a month ($1,777 a year).
The Concord Group and State Farm are nearly as affordable as Vermont Mutual at around $93 a month each, so you should compare home insurance quotes from all three companies to get your best rate.
Although it’s not quite as cheap as Vermont Mutual, The Concord Group offers several discounts that could make it the cheapest for you.
Maine’s cheapest home insurance companies
| Company | Annual rate | Monthly rate | LendingTree score | |
|---|---|---|---|---|
 | Vermont Mutual | $1,006 | $84 |  |
 | The Concord Group | $1,118 | $93 |  |
 | State Farm | $1,124 | $94 | |
 | Travelers | $1,287 | $107 |  |
 | Chubb | $1,384 | $115 | |
 | Farmers | $1,878 | $157 | |
 | Allstate | $2,440 | $203 | |
 | The Hanover | $2,821 | $235 | |
 | Quincy Mutual | $2,933 | $244 | |
Best homeowners insurance companies in Maine
The best home insurance company in Maine is The Concord Group. The company’s rates are among the cheapest in the state, plus it offers more discounts than most other home insurers.
It also has more coverage options — like coverage for equipment breakdown, service line damage or water backup — than many companies as well as a good complaint rating.
If you want the absolute lowest rate, though, make sure you also get a quote from Vermont Mutual. Do the same with Farmers if you want the most discounts or Allstate if add-on coverages are important to you.
| Company | Best for | Annual rate | Customer satisfaction* | Complaint index** |
|---|---|---|---|---|
| The Concord Group | Overall | $1,118 | Not rated | 0.25 |
| Vermont Mutual | Low rates | $1,006 | Not rated | 0.08 |
| Allstate | Coverage options | $2,440 | 631 | 1.3 |
| Chubb | Customer satisfaction | $1,384 | 688 | 0.11 |
| Farmers | Discounts | $1,878 | 609 | 0.85 |
**Source: National Association of Insurance Commissioners (NAIC). Lower is better; 1.0 is average.
Best home insurance company overall: The Concord Group
Annual rate: $1,118
The Concord Group is Maine’s best homeowners insurance company, with affordable rates ($93 a month) and a great complaint rating from the National Association of Insurance Commissioners (NAIC). It also offers many discount and coverage options to Maine homeowners.
PROS
- Second-cheapest average rate in the state
- More discounts than most other companies
- Many add-on coverage options
- Low complaint rating points to happy customers
CONS
- Can’t get online quotes from The Concord Group
- No J.D. Power rating for customer satisfaction
Best for cheap rates: Vermont Mutual
Annual rate: $1,006
At $84 a month, or $1,006 a year, Vermont Mutual is Maine’s cheapest home insurance company. It also has the best complaint rating of the companies we surveyed in the state.
PROS
- Maine’s lowest average home insurance rate
- Great NAIC complaint rating
CONS
- Not many add-on coverages or discounts
- No online quotes
- Website lacks helpful information
Best home insurance coverage options: Allstate
Annual rate: $2,440
Allstate is the best homeowners insurance company in Maine for coverage options. Some of the optional coverages you can add to an Allstate home insurance policy:
- Business property
- Green improvement reimbursement
- Identity theft restoration
- Sports equipment
- Water backup
PROS
- More add-on coverages than any other company we surveyed
- Also offers many discounts
- Website lets you get online quotes, pay bills and file claims
CONS
- Average rate is 37% higher than the state average
- Customer satisfaction and complaint ratings are worse than average
Best for customer satisfaction: Chubb
Annual rate: $1,384
If you value customer service and satisfaction, make sure you get a quote from Chubb before you buy or renew a home insurance policy. Chubb has the best J.D. Power customer satisfaction score of all home insurance companies — nationwide, not just in Maine.
PROS
- Best customer satisfaction score in the state (and U.S.)
- Great complaint rating, too
- Average home insurance rate is 22% less than the state average
CONS
- Fewer add-on coverages and discounts than most other companies
- No quotes through company website
Best discounts: Farmers
Annual rate: $1,878
Farmers’ average home insurance rate is higher than the state average, but it offers many discounts that could make it a lot cheaper.
You may earn a home insurance discount from Farmers if you:
- Bundle home and auto insurance policies with Farmers
- Pay for your policy in full
- Pay your bill on time
- Don’t file any claims for three consecutive years
PROS
- Most discounts of surveyed companies
- Complaint rating is better than average
CONS
- Rates are 6% higher than state average
- Customer satisfaction rating is worse than average
- Fewer add-on coverages than most other companies
How much is home insurance in Maine?
Home insurance in Maine costs $1,777 a year, or $148 a month, on average.
This average rate is based on a policy with $400,000 of dwelling coverage
Average home insurance rate by dwelling limit
| Dwelling limit | Annual rate | Monthly rate |
|---|---|---|
| $350,000 | $1,578 | $131 |
| $400,000 | $1,777 | $148 |
| $450,000 | $1,980 | $165 |
Maine homeowners insurance rates by city
Burlington has the cheapest home insurance rate among Maine’s cities and towns at $140 a month, on average. Blue Hill and Charleston are close behind at around $143 a month.
The most expensive home insurance rates among Maine’s cities and towns are found in Canaan and North Waterford. Homeowners in each of these cities pay about $179 a month for insurance.
Home insurance rates near you
| City | Annual rate
Average rates are based on a policy with $400,000 of dwelling coverage and $200,000 of personal property coverage.
| Monthly rate
Average rates are based on a policy with $400,000 of dwelling coverage and $200,000 of personal property coverage.
|
|---|---|---|
| Abbot | $2,030 | $169 |
| Acton | $1,835 | $153 |
| Addison | $2,000 | $167 |
| Albion | $1,908 | $159 |
| Alfred | $1,844 | $154 |
| Alna | $1,808 | $151 |
| Andover | $1,971 | $164 |
| Anson | $2,034 | $170 |
| Ashland | $1,811 | $151 |
| Athens | $2,036 | $170 |
| Auburn | $1,737 | $145 |
| Augusta | $1,783 | $149 |
| Aurora | $1,734 | $144 |
| Bailey Island | $2,059 | $172 |
| Bangor | $1,821 | $152 |
| Bar Harbor | $1,770 | $147 |
| Bar Mills | $1,862 | $155 |
| Bass Harbor | $1,789 | $149 |
| Bath | $1,859 | $155 |
| Beals | $2,006 | $167 |
| Belfast | $1,868 | $156 |
| Belgrade | $1,933 | $161 |
| Belgrade Lakes | $1,840 | $153 |
| Benedicta | $1,839 | $153 |
| Bernard | $1,788 | $149 |
| Berwick | $1,920 | $160 |
| Bethel | $2,045 | $170 |
| Biddeford | $1,845 | $154 |
| Biddeford Pool | $1,870 | $156 |
| Bingham | $1,997 | $166 |
| Birch Harbor | $1,789 | $149 |
| Blaine | $1,805 | $150 |
| Blue Hill | $1,715 | $143 |
| Boothbay | $1,849 | $154 |
| Boothbay Harbor | $1,839 | $153 |
| Bowdoin | $1,930 | $161 |
| Bowdoinham | $1,861 | $155 |
| Bradford | $1,891 | $158 |
| Bradley | $1,792 | $149 |
| Bremen | $1,868 | $156 |
| Brewer | $1,777 | $148 |
| Bridgewater | $1,853 | $154 |
| Bridgton | $1,919 | $160 |
| Bristol | $1,838 | $153 |
| Brooklin | $1,779 | $148 |
| Brooks | $1,882 | $157 |
| Brooksville | $1,788 | $149 |
| Brookton | $2,007 | $167 |
| Brownfield | $1,991 | $166 |
| Brownville | $2,017 | $168 |
| Brownville Junction | $2,090 | $174 |
| Brunswick | $1,975 | $165 |
| Brunswick Station | $1,976 | $165 |
| Bryant Pond | $2,030 | $169 |
| Buckfield | $2,043 | $170 |
| Bucksport | $1,888 | $157 |
| Burlington | $1,685 | $140 |
| Burnham | $1,888 | $157 |
| Bustins Island | $1,990 | $166 |
| Buxton | $1,914 | $159 |
| Calais | $1,980 | $165 |
| Cambridge | $2,107 | $176 |
| Camden | $1,803 | $150 |
| Canaan | $2,152 | $179 |
| Canton | $2,021 | $168 |
| Cape Elizabeth | $1,834 | $153 |
| Cape Neddick | $1,907 | $159 |
| Cape Porpoise | $1,946 | $162 |
| Caratunk | $2,034 | $170 |
| Caribou | $1,788 | $149 |
| Carmel | $1,815 | $151 |
| Casco | $1,897 | $158 |
| Castine | $1,776 | $148 |
| Center Lovell | $1,873 | $156 |
| Chamberlain | $1,909 | $159 |
| Charleston | $1,722 | $143 |
| Chebeague Island | $1,999 | $167 |
| Cherryfield | $1,901 | $158 |
| China Village | $2,036 | $170 |
| Chisholm | $2,049 | $171 |
| Clayton Lake | $1,829 | $152 |
| Cliff Island | $2,079 | $173 |
| Clinton | $1,944 | $162 |
| Columbia Falls | $1,906 | $159 |
| Coopers Mills | $1,751 | $146 |
| Corea | $1,833 | $153 |
| Corinna | $1,873 | $156 |
| Corinth | $1,918 | $160 |
| Cornish | $1,940 | $162 |
| Cousins Island | $2,010 | $167 |
| Cranberry Isles | $1,823 | $152 |
| Crouseville | $1,929 | $161 |
| Cumberland Center | $1,989 | $166 |
| Cumberland Foreside | $1,983 | $165 |
| Cushing | $1,846 | $154 |
| Cutler | $1,927 | $161 |
| Damariscotta | $1,865 | $155 |
| Danforth | $1,974 | $165 |
| Danville | $1,865 | $155 |
| Deer Isle | $1,858 | $155 |
| Denmark | $2,023 | $169 |
| Dennysville | $1,914 | $160 |
| Detroit | $2,132 | $178 |
| Dexter | $1,900 | $158 |
| Dixfield | $2,017 | $168 |
| Dixmont | $1,865 | $155 |
| Dover-Foxcroft | $1,943 | $162 |
| Dresden | $1,836 | $153 |
| Dryden | $1,956 | $163 |
| Durham | $1,794 | $149 |
| Eagle Lake | $1,825 | $152 |
| East Andover | $1,966 | $164 |
| East Baldwin | $1,910 | $159 |
| East Blue Hill | $1,771 | $148 |
| East Boothbay | $1,939 | $162 |
| East Dixfield | $2,107 | $176 |
| East Livermore | $1,840 | $153 |
| East Machias | $1,751 | $146 |
| East Millinocket | $1,781 | $148 |
| East Newport | $1,923 | $160 |
| East Orland | $1,778 | $148 |
| East Parsonsfield | $2,012 | $168 |
| East Poland | $1,866 | $156 |
| East Vassalboro | $1,955 | $163 |
| East Waterboro | $1,855 | $155 |
| East Wilton | $2,108 | $176 |
| East Winthrop | $1,878 | $156 |
| Easton | $1,849 | $154 |
| Eastport | $1,825 | $152 |
| Eddington | $1,809 | $151 |
| Edgecomb | $1,906 | $159 |
| Eliot | $1,887 | $157 |
| Ellsworth | $1,733 | $144 |
| Estcourt Station | $1,788 | $149 |
| Etna | $1,919 | $160 |
| Eustis | $1,972 | $164 |
| Exeter | $1,926 | $160 |
| Fairfield | $2,056 | $171 |
| Falmouth | $1,831 | $153 |
| Falmouth Foreside | $1,827 | $152 |
| Farmingdale | $1,744 | $145 |
| Farmington | $2,061 | $172 |
| Farmington Falls | $2,135 | $178 |
| Fort Fairfield | $1,829 | $152 |
| Fort Kent | $1,801 | $150 |
| Fort Kent Mills | $1,949 | $162 |
| Frankfort | $1,858 | $155 |
| Franklin | $1,754 | $146 |
| Freedom | $1,884 | $157 |
| Freeport | $2,000 | $167 |
| Frenchboro | $1,798 | $150 |
| Frenchville | $1,778 | $148 |
| Friendship | $1,848 | $154 |
| Fryeburg | $1,993 | $166 |
| Gardiner | $1,759 | $147 |
| Garland | $1,796 | $150 |
| Georgetown | $1,930 | $161 |
| Gorham | $1,742 | $145 |
| Gouldsboro | $1,786 | $149 |
| Grand Isle | $1,786 | $149 |
| Grand Lake Stream | $1,865 | $155 |
| Gray | $1,869 | $156 |
| Greenbush | $1,736 | $145 |
| Greene | $1,890 | $158 |
| Greenville | $1,924 | $160 |
| Greenville Junction | $2,038 | $170 |
| Greenwood | $1,963 | $164 |
| Guilford | $1,949 | $162 |
| Hallowell | $1,743 | $145 |
| Hampden | $1,867 | $156 |
| Hancock | $1,824 | $152 |
| Hanover | $1,990 | $166 |
| Harborside | $1,789 | $149 |
| Harmony | $1,984 | $165 |
| Harpswell | $1,964 | $164 |
| Harrington | $1,803 | $150 |
| Harrison | $1,923 | $160 |
| Hartland | $2,038 | $170 |
| Hebron | $1,999 | $167 |
| Hinckley | $2,118 | $177 |
| Hiram | $2,066 | $172 |
| Holden | $1,930 | $161 |
| Hollis Center | $1,871 | $156 |
| Hope | $1,815 | $151 |
| Houlton | $1,787 | $149 |
| Howland | $1,803 | $150 |
| Hudson | $1,897 | $158 |
| Hulls Cove | $1,853 | $154 |
| Island Falls | $1,793 | $149 |
| Isle Au Haut | $1,768 | $147 |
| Isle of Springs | $1,888 | $157 |
| Islesboro | $1,812 | $151 |
| Islesford | $1,774 | $148 |
| Jackman | $1,972 | $164 |
| Jay | $2,048 | $171 |
| Jefferson | $1,814 | $151 |
| Jonesboro | $1,906 | $159 |
| Jonesport | $1,904 | $159 |
| Kenduskeag | $1,875 | $156 |
| Kennebunk | $1,878 | $156 |
| Kennebunkport | $1,898 | $158 |
| Kents Hill | $1,827 | $152 |
| Kingfield | $2,031 | $169 |
| Kingman | $1,817 | $151 |
| Kittery | $1,896 | $158 |
| Kittery Point | $1,938 | $162 |
| Lagrange | $1,792 | $149 |
| Lake Arrowhead | $1,925 | $160 |
| Lambert Lake | $2,013 | $168 |
| Lebanon | $1,920 | $160 |
| Lee | $1,795 | $150 |
| Leeds | $1,854 | $155 |
| Levant | $1,875 | $156 |
| Lewiston | $1,774 | $148 |
| Liberty | $1,786 | $149 |
| Limerick | $1,947 | $162 |
| Limestone | $1,828 | $152 |
| Limington | $1,912 | $159 |
| Lincoln | $1,802 | $150 |
| Lincolnville | $1,962 | $164 |
| Lincolnville Center | $1,940 | $162 |
| Lisbon | $1,811 | $151 |
| Lisbon Falls | $1,802 | $150 |
| Litchfield | $1,817 | $151 |
| Little Deer Isle | $1,815 | $151 |
| Little Falls | $1,746 | $146 |
| Livermore | $1,870 | $156 |
| Livermore Falls | $1,893 | $158 |
| Long Island | $2,004 | $167 |
| Lovell | $2,019 | $168 |
| Lubec | $1,795 | $150 |
| Machias | $1,786 | $149 |
| Machiasport | $1,829 | $152 |
| Madawaska | $1,766 | $147 |
| Madison | $2,019 | $168 |
| Manchester | $1,833 | $153 |
| Mapleton | $1,810 | $151 |
| Mars Hill | $1,824 | $152 |
| Matinicus | $1,776 | $148 |
| Mattawamkeag | $1,822 | $152 |
| Mechanic Falls | $1,834 | $153 |
| Meddybemps | $1,725 | $144 |
| Medway | $1,876 | $156 |
| Mexico | $1,974 | $164 |
| Milbridge | $1,879 | $157 |
| Milford | $1,788 | $149 |
| Millinocket | $1,813 | $151 |
| Milo | $1,929 | $161 |
| Minot | $1,794 | $150 |
| Monhegan | $1,804 | $150 |
| Monmouth | $1,900 | $158 |
| Monroe | $1,859 | $155 |
| Monson | $1,911 | $159 |
| Monticello | $1,836 | $153 |
| Moody | $1,995 | $166 |
| Morrill | $1,842 | $154 |
| Mount Desert | $1,814 | $151 |
| Mount Vernon | $1,894 | $158 |
| Naples | $1,900 | $158 |
| New Gloucester | $1,910 | $159 |
| New Harbor | $1,919 | $160 |
| New Limerick | $1,804 | $150 |
| New Portland | $2,079 | $173 |
| New Sharon | $2,078 | $173 |
| New Sweden | $1,819 | $152 |
| New Vineyard | $2,063 | $172 |
| Newcastle | $1,807 | $151 |
| Newport | $1,854 | $155 |
| Newry | $1,910 | $159 |
| Nobleboro | $1,867 | $156 |
| Norridgewock | $2,050 | $171 |
| North Anson | $2,064 | $172 |
| North Berwick | $1,842 | $154 |
| North Bridgton | $1,907 | $159 |
| North Haven | $1,754 | $146 |
| North Jay | $2,104 | $175 |
| North Monmouth | $1,814 | $151 |
| North Turner | $1,843 | $154 |
| North Vassalboro | $1,935 | $161 |
| North Waterboro | $1,911 | $159 |
| North Waterford | $2,153 | $179 |
| North Windham | $1,843 | $154 |
| North Yarmouth | $1,919 | $160 |
| Northeast Harbor | $1,802 | $150 |
| Norway | $1,951 | $163 |
| Oakfield | $1,791 | $149 |
| Oakland | $1,888 | $157 |
| Ocean Park | $2,014 | $168 |
| Ogunquit | $1,887 | $157 |
| Old Orchard Beach | $2,012 | $168 |
| Old Town | $1,821 | $152 |
| Oquossoc | $1,983 | $165 |
| Orient | $1,862 | $155 |
| Orland | $1,806 | $150 |
| Orono | $1,818 | $152 |
| Orrington | $1,848 | $154 |
| Orrs Island | $2,097 | $175 |
| Owls Head | $1,813 | $151 |
| Oxbow | $1,785 | $149 |
| Oxford | $1,953 | $163 |
| Palermo | $1,815 | $151 |
| Palmyra | $2,008 | $167 |
| Parsonsfield | $1,972 | $164 |
| Passadumkeag | $1,740 | $145 |
| Patten | $1,864 | $155 |
| Peaks Island | $2,054 | $171 |
| Pemaquid | $1,893 | $158 |
| Pembroke | $2,039 | $170 |
| Penobscot | $1,827 | $152 |
| Perham | $1,784 | $149 |
| Perry | $2,048 | $171 |
| Peru | $2,026 | $169 |
| Phillips | $1,992 | $166 |
| Phippsburg | $1,932 | $161 |
| Pittsfield | $2,064 | $172 |
| Plymouth | $1,824 | $152 |
| Poland | $1,819 | $152 |
| Port Clyde | $1,860 | $155 |
| Portage | $1,779 | $148 |
| Porter | $2,067 | $172 |
| Portland | $1,817 | $151 |
| Pownal | $1,886 | $157 |
| Presque Isle | $1,759 | $147 |
| Princeton | $2,069 | $172 |
| Prospect Harbor | $1,800 | $150 |
| Randolph | $1,772 | $148 |
| Rangeley | $2,027 | $169 |
| Raymond | $1,850 | $154 |
| Readfield | $1,896 | $158 |
| Richmond | $1,805 | $150 |
| Robbinston | $2,002 | $167 |
| Rockland | $1,815 | $151 |
| Rockport | $1,860 | $155 |
| Rockwood | $2,054 | $171 |
| Round Pond | $1,943 | $162 |
| Roxbury | $2,026 | $169 |
| Rumford | $1,934 | $161 |
| Sabattus | $1,901 | $158 |
| Saco | $1,953 | $163 |
| Salsbury Cove | $1,776 | $148 |
| Sandy Point | $1,956 | $163 |
| Sanford | $1,839 | $153 |
| Sangerville | $1,917 | $160 |
| Sargentville | $1,746 | $146 |
| Scarborough | $1,898 | $158 |
| Seal Cove | $1,821 | $152 |
| Seal Harbor | $1,793 | $149 |
| Searsmont | $1,767 | $147 |
| Searsport | $1,868 | $156 |
| Sebago | $1,948 | $162 |
| Sebasco Estates | $1,920 | $160 |
| Sebec | $1,911 | $159 |
| Sedgwick | $1,756 | $146 |
| Shapleigh | $1,789 | $149 |
| Shawmut | $2,018 | $168 |
| Sheridan | $1,840 | $153 |
| Sherman | $1,819 | $152 |
| Shirley Mills | $1,987 | $166 |
| Sinclair | $1,837 | $153 |
| Skowhegan | $2,030 | $169 |
| Smithfield | $1,995 | $166 |
| Smyrna Mills | $1,844 | $154 |
| Solon | $2,041 | $170 |
| Sorrento | $1,771 | $148 |
| South Berwick | $1,854 | $154 |
| South Bristol | $1,873 | $156 |
| South Casco | $1,999 | $167 |
| South China | $1,967 | $164 |
| South Eliot | $1,885 | $157 |
| South Freeport | $1,982 | $165 |
| South Gardiner | $2,034 | $170 |
| South Paris | $1,952 | $163 |
| South Portland | $1,762 | $147 |
| South Sanford | $1,844 | $154 |
| South Thomaston | $1,875 | $156 |
| South Windham | $1,939 | $162 |
| Southport | $1,996 | $166 |
| Southwest Harbor | $1,798 | $150 |
| Springfield | $1,879 | $157 |
| Springvale | $1,861 | $155 |
| Spruce Head | $1,913 | $159 |
| Squirrel Island | $1,868 | $156 |
| St. Agatha | $1,804 | $150 |
| St. Albans | $2,018 | $168 |
| St. David | $1,771 | $148 |
| St. Francis | $1,778 | $148 |
| Stacyville | $1,868 | $156 |
| Standish | $1,729 | $144 |
| Steep Falls | $1,860 | $155 |
| Stetson | $1,957 | $163 |
| Steuben | $2,038 | $170 |
| Stillwater | $1,993 | $166 |
| Stockholm | $1,794 | $150 |
| Stockton Springs | $1,878 | $156 |
| Stoneham | $1,983 | $165 |
| Stonington | $1,852 | $154 |
| Stratton | $1,898 | $158 |
| Strong | $1,996 | $166 |
| Sullivan | $1,815 | $151 |
| Sumner | $2,010 | $167 |
| Sunset | $1,774 | $148 |
| Surry | $1,817 | $151 |
| Swans Island | $1,798 | $150 |
| Temple | $2,014 | $168 |
| Tenants Harbor | $1,880 | $157 |
| Thomaston | $1,833 | $153 |
| Thorndike | $1,890 | $157 |
| Topsfield | $2,015 | $168 |
| Topsham | $1,928 | $161 |
| Trevett | $1,864 | $155 |
| Troy | $1,896 | $158 |
| Turner | $1,872 | $156 |
| Union | $1,773 | $148 |
| Unity | $1,909 | $159 |
| Van Buren | $1,788 | $149 |
| Vanceboro | $1,982 | $165 |
| Vassalboro | $1,900 | $158 |
| Vienna | $1,940 | $162 |
| Vinalhaven | $1,823 | $152 |
| Waite | $1,987 | $166 |
| Waldoboro | $1,781 | $148 |
| Wallagrass | $1,869 | $156 |
| Walpole | $1,956 | $163 |
| Warren | $1,796 | $150 |
| Washburn | $1,780 | $148 |
| Washington | $1,784 | $149 |
| Waterboro | $1,840 | $153 |
| Waterford | $2,035 | $170 |
| Waterville | $1,763 | $147 |
| Wayne | $1,859 | $155 |
| Weld | $2,009 | $167 |
| Wells | $1,913 | $159 |
| Wesley | $2,042 | $170 |
| West Baldwin | $1,990 | $166 |
| West Bethel | $2,098 | $175 |
| West Boothbay Harbor | $2,047 | $171 |
| West Enfield | $1,815 | $151 |
| West Farmington | $2,053 | $171 |
| West Forks | $2,048 | $171 |
| West Kennebunk | $1,897 | $158 |
| West Minot | $1,941 | $162 |
| West Newfield | $1,858 | $155 |
| West Paris | $2,015 | $168 |
| West Poland | $1,945 | $162 |
| West Rockport | $1,926 | $160 |
| Westbrook | $1,727 | $144 |
| Westfield | $1,776 | $148 |
| Whitefield | $1,829 | $152 |
| Whiting | $2,014 | $168 |
| Wilton | $2,032 | $169 |
| Windham | $1,838 | $153 |
| Windsor | $1,870 | $156 |
| Winn | $1,765 | $147 |
| Winslow | $1,785 | $149 |
| Winter Harbor | $1,781 | $148 |
| Winterport | $1,885 | $157 |
| Winthrop | $1,878 | $157 |
| Wiscasset | $1,740 | $145 |
| Woodland Washington County | $2,031 | $169 |
| Woolwich | $1,856 | $155 |
| Wytopitlock | $1,839 | $153 |
| Yarmouth | $1,949 | $162 |
| York | $1,880 | $157 |
| York Beach | $1,985 | $165 |
| York Harbor | $1,877 | $156 |
Frequently asked questions
Vermont Mutual, The Concord Group and State Farm have the cheapest home insurance in Maine. All three companies offer average rates that are well below the state average of $148 a month. Vermont Mutual has the cheapest rates overall at around $84 a month.
The average cost of homeowners insurance in Maine is $148 a month, or $1,777 a year.
What you pay for home insurance depends on several factors, such as:
- Where you live in the state
- Your home’s age
- How much coverage you buy
- Your deductible
- Your credit, insurance and claims history
Methodology
The rates shown in this article are based on non-binding quotes collected from Quadrant Information Services. Your rates may vary. Average rates were compiled from rates in Maine. The following coverages and deductible were used unless otherwise noted:
- $400,000 dwelling coverage
- $40,000 other structures
- $200,000 personal property
- $80,000 loss of use coverage
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible
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Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included complaint index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from AM Best. NAIC complaint index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.