For the same house, homeowners insurance in Maine averaged $1,403 a year ($117 a month) across the 3 insurers we compared, 54.7% below the average of the 50 states and D.C. That’s for a 2,000 sq ft wood-frame house with a composition roof, built in 1997 and insured for $300,000 with a $1,000 deductible.
For the same home, prices among the 3 insurers we compared ranged from $88 to $133 a month, a $45-a-month gap for identical coverage. These are sample prices for one example home, not quotes or offers.
Rates as of Sept. 30, 2026 · Page updated Nov. 2, 2026
Maine home insurance: key numbers
Homeowners insurance in Maine averages $117 a month for the house we priced, with rates as of Sept. 30, 2026. The 3 major insurers we compared are State Farm, Quincy Mutual and Liberty Mutual, and each one priced our sample home in all 70 Maine ZIP codes in our data, which span 14 counties. For this house, Maine is the 4th least expensive of the 50 states and D.C.
Our figures are for a $300,000 dwelling; insuring a larger or costlier house for more usually costs more.
For the same insurers and ZIP codes, the Maine average rose 1.2% since Nov. 2025, from $1,387 a year ($116 a month) on Nov. 30, 2025, to $1,403 ($117) on Sept. 30, 2026, as Quincy Mutual’s rose 3.2%, Liberty Mutual’s didn’t change and State Farm’s didn’t change.
Homeowners insurance averages by insurer in Maine for our sample home (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| State Farm | $88 | $1,050 |
| Quincy Mutual | $131 | $1,567 |
| Liberty Mutual | $133 | $1,592 |
State Farm averaged $88 a month ($1,050 a year), Quincy Mutual $131 ($1,567) and Liberty Mutual $133 ($1,592) for our sample home.
Same sample home: each insurer’s average yearly price in the same Maine ZIP codes, Nov. 30, 2025 and Sept. 30, 2026
| Insurer | Nov. 30, 2025 (per year) | Sept. 30, 2026 (per year) | Change |
|---|---|---|---|
| Quincy Mutual | $1,518 | $1,567 | +3.2% |
| Liberty Mutual | $1,592 | $1,592 | No change |
| State Farm | $1,050 | $1,050 | No change |
All 3 insurers in the table priced the same 70 Maine ZIP codes on both dates.
By ZIP code: each insurer’s yearly price for the same house changed with the Maine address:
Prices for the same home vary so much by insurer and ZIP code that the lowest one for our sample home may not be lowest for you, so compare a few quotes. The home table above lists every insurer’s average for the same home.
What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Maine, ZIP code averages for this house ran from $99 a month in Caribou to $131 in Eliot, while insurers’ statewide averages ran from $88 to $133.
MaineRates as of Sept. 30, 2026
Same sample home and coverage in all 70 Maine ZIP codes we priced, from insurers’ filed rates. Only the insurer and the ZIP code change.
In Maine, our sample house costs $117 a month ($1,403 a year) on average across 70 ZIP codes and 3 insurers. Rates as of Sept. 30, 2026.
| Insurer | A month | A year | ZIP codes priced |
|---|---|---|---|
| State Farm | $88 | $1,050 | 70 |
| Quincy Mutual | $131 | $1,567 | 70 |
| Liberty Mutual | $133 | $1,592 | 70 |
Our sample houseSame in every ZIP code, so only the price changes
Sample prices built from insurers’ filed rates, not quotes or offers.
Try a ZIP code:
We priced one sample policy per type. House: a 2,000-square-foot, two-story frame house with a composition roof, built in 1997, with $300,000 in dwelling coverage, $300,000 liability, a $1,000 deductible and a 2% hurricane deductible; a 40-year-old owner with good credit and no claims in 10 years. Condo: a condo policy with $60,000 of condo coverage, $300,000 liability and a $1,000 deductible (building built in 2005); a 40-year-old owner with good credit and no claims. Renters: a renters policy with $40,000 for your belongings, $300,000 liability and a $1,000 deductible; a 40-year-old renter with good credit and no claims. For each insurer and ZIP code we use the lowest price it returned that can actually be bought; a ZIP code’s average is the average of its insurers, and the Maine average is the average of its ZIP codes, so each ZIP code counts once.
When one insurer’s lead over the next is under 5% or over 30%, we name the two lowest instead of one. Insurers that sell only to members (USAA, AAA clubs) are labeled and never called the lowest price anyone can buy.
Your ZIP code matters
Lowest vs. highest ZIP code for our sample home (rates as of Sept. 30, 2026)
Lowest
04736
Caribou (Aroostook County)
$99/mo
$1,185 a year
Highest
03903
Eliot (York County)
$131/mo
$1,574 a year
Of the 70 Maine ZIP codes we priced, Eliot’s 03903 had the highest average for our sample home, about 1.3 times that of the lowest, 04736 in Caribou.
The five highest-priced ZIP codes are 03903 in Eliot ($131 a month), 04915 in Belfast ($128 a month), 04011 in Brunswick ($126 a month), 04021 in Cumberland Center ($126 a month) and 04096 in Yarmouth ($126 a month).
The five lowest-priced ZIP codes are 04736 in Caribou ($99 a month), 04769 in Presque Isle ($100 a month), 04730 in Houlton ($102 a month), 04473 in Orono ($105 a month) and 04412 in Brewer ($106 a month).
Maine costs more for the identical house than its only neighbor: its $117 a month is 9.1% above New Hampshire’s $107.
Same sample home: average home insurance prices in Maine, neighboring states and the 50 states and D.C. (rates as of Sept. 30, 2026)
| Place | Per month | Per year | Maine vs. this place |
|---|---|---|---|
| Maine | $117 | $1,403 | Baseline |
| New Hampshire | $107 | $1,286 | +9.1% |
| Average of the 50 states and D.C. | $258 | $3,101 | −54.7% |
Same sample house in every state; each figure averages every insurer we priced there, so one high-priced insurer can lift a state’s average.
Of the other 49 states and D.C., 3 have a lower average for this house than Maine and 47 a higher one.
Compare all states: home insurance costs for the same house in all 50 states and D.C.
A standard homeowners policy pays to repair or rebuild after covered damage such as fire, lightning, wind and hail, theft and some water damage from burst pipes; flood and earthquake damage need separate coverage. All six coverages below are inside the $1,403-a-year Maine average for our sample home.
Say a storm damages the roof and the repair costs $15,000. With the $1,000 deductible we priced, the policy would pay up to $14,000. With a 2% wind and hail deductible on the same $300,000 house, you’d pay the first $6,000 instead, and the policy up to $9,000.
For a house with $300,000 of rebuilding coverage and a $1,000 deductible, homeowners insurance in Maine averages $117 a month ($1,403 a year) across the 3 insurers we compared in 70 ZIP codes (rates as of Sept. 30, 2026). That’s 54.7% below the $258-a-month average of the 50 states and D.C. for the same house. Insurers’ averages for that same house ran from $88 to $133 a month.
$200 a month is 71.0% above our sample home’s $117-a-month Maine average; Maine is the 4th least expensive of the 50 states and D.C. for this house. All 3 insurers we compared averaged under $200 for the same house. If a quote for your home is near $200, compare its dwelling limit and deductibles with ours ($300,000 and $1,000) before you decide.
Use our one-house figures as a starting point when you compare homeowners insurance quotes for yours.
Your roof: Our sample house has a composition roof, and we priced it without a roof age. Insurers often charge more for older roofs, so ask how your roof’s age and material change your quote.
Your claims and credit: a recent claim, or weaker credit where an insurer uses it, can push a Maine quote above the $117 a month our claim-free, good-credit owner averages.
Your deductibles: our house has one $1,000 deductible for covered losses other than a hurricane. If your policy has a separate percentage deductible for wind and hail, your premium and your out-of-pocket cost after a storm will both differ from ours.
A consumer guide from the National Association of Insurance Commissioners, the group of state insurance regulators, explains that many policies reduce a partial-loss payment if you insure for less than 80% of your home’s replacement cost, the cost to rebuild it. For our $300,000 sample house, that’s at least $240,000, so check your limit against a current rebuilding cost, not the home’s market value.
For our sample house, Maine is the 4th least expensive of the 50 states and D.C. Our figures don’t separate causes; these official records show what Maine homes face.
Storms and flooding on Jan. 9 to 13, 2024 led to a federal disaster declaration covering eight Maine counties.
Your deductible is the amount you pay out of pocket on each claim before your insurer pays. The house we priced has a $1,000 deductible for covered losses other than a hurricane, including wind and hail. Our sample home request also includes a 2% hurricane deductible, a setting we use in every state; real Maine policies may use a separate wind and hail deductible, so ask for yours.
Your wind and hail deductible in dollars (illustration only)
| Dwelling coverage | 1% | 2% | 5% |
|---|---|---|---|
| $200,000 | $2,000 | $4,000 | $10,000 |
| $300,000 (our sample home) | $3,000 | $6,000 | $15,000 |
| $400,000 | $4,000 | $8,000 | $20,000 |
The table shows deductibles, not premiums. At 2%, the deductible on our sample home’s $300,000 dwelling is $6,000, more than the $1,403 a year that house averages in Maine.
A higher deductible usually lowers your premium, so weigh the lower price against the bigger bill you’d face after a storm.
For our sample home, Maine insurers’ statewide averages ran from $1,050 to $1,592 a year. These are the levers you control; how much each one moves a quote depends on the insurer and the house, and none of them comes with a promised price.
Compare at least three insurers: even one insurer’s price moves a lot by address: Quincy Mutual’s for our sample home ran from $1,205 to $1,947 a year depending on the Maine ZIP code.
Price two deductibles: ask each insurer for the premium at your current deductible and one step higher, and keep any percentage wind and hail deductible in dollars in mind (2% of $300,000 is $6,000, about 51 months of Maine’s $117-a-month average premium).
Ask about a tougher roof and safety devices: impact-resistant roofing, smoke detectors, burglar alarms and dead-bolt locks are common discounts to ask about.
Bundle with care: some insurers take roughly 5% to 15% off when you buy home and car insurance together, the Insurance Information Institute says; compare both ways before you decide.
Keep the coverage you need: insuring at least 80% of the rebuilding cost protects you on partial losses, so a lower price that comes from a lower limit can cost you after a large claim.
Guard a clean record: our sample owner has no claims in 10 years, and the $117-a-month Maine average assumes that clean record; a recent claim can raise a quote.
Maine insurers must give at least 30 days’ notice before the policy ends if they won’t renew it, the Maine Bureau of Insurance says. Read the notice and your policy’s own cancellation and nonrenewal terms, then start shopping right away. If a notice doesn’t make sense to you, or you need help with a claim, call the Maine Bureau of Insurance at 800-300-5000.
In our data, every insurer we compared priced our sample home in all 70 Maine ZIP codes.
Got a nonrenewal notice?
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Renters insurance for our sample renter averages $7 a month ($89 a year) in Maine. Only one major insurer in our data, State Farm, priced our sample renter in Maine, so this figure is that insurer’s average, not a market average; local and regional insurers we didn’t price may charge more or less, so get several quotes.
Renters insurance averages by insurer in Maine for our sample renter (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| State Farm | $7 | $89 |
State Farm averaged $7 a month ($89 a year) for our sample renter.
With one insurer in our data for Maine renters insurance, we don’t name a lowest one; get several renters quotes, including from local and regional insurers.
Maine’s renters average is the least expensive of the 50 states and D.C., 65.3% below their average of $21 a month ($256 a year). Our sample renter’s policy costs about 6% of what our sample home costs to insure in Maine.
For the same insurers and ZIP codes, the Maine renters average didn’t change between Nov. 30, 2025 and Sept. 30, 2026: it was $7 a month on both dates.
By ZIP code, the Maine renters average for our sample renter ran from $7 a month in Eliot (03903) to $8 in Norway (04268).
Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 70 sample prices by 1 insurer across 70 Maine ZIP codes.
Your landlord’s insurance is for the building; a renters policy is for your belongings and your liability. The policy we priced pays up to $40,000 for belongings after a covered fire, storm or burglary and $300,000 if you’re responsible for someone’s injury or property damage. In Maine, that package averages $7 a month; flood and earthquake damage need separate coverage.
How we got these renters prices: each insurer’s average across the 70 Maine ZIP codes in our data. Sample prices, not quotes or offers.
Condo insurance for our sample condo averages $19 a month ($223 a year) in Maine. Only one major insurer in our data, State Farm, priced our sample condo in Maine, so this figure is that insurer’s average, not a market average; local and regional insurers we didn’t price may charge more or less, so get several quotes.
Condo insurance averages by insurer in Maine for our sample condo (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| State Farm | $19 | $223 |
State Farm averaged $19 a month ($223 a year) for our sample condo.
With one insurer in our data for Maine condo insurance, we don’t name a lowest one; get several condo quotes, including from local and regional insurers.
Maine’s condo average is the 2nd least expensive of the 50 states and D.C., 53.8% below their average of $40 a month ($481 a year). Our sample condo’s policy costs about 16% of what our sample home costs to insure in Maine.
For the same insurers and ZIP codes, the Maine condo average didn’t change between Nov. 30, 2025 and Sept. 30, 2026: it was $19 a month on both dates.
By ZIP code, the Maine condo average for our sample condo ran from $17 a month in Norway (04268) to $20 in Berwick (03901).
Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. The owner is 40, single, has good credit and no claims in 10 years.
The association’s master policy covers the building, and your condo policy covers what the declaration and master policy leave to you. In our sample policy, $60,000 covers the inside of the unit and $60,000 your belongings, and that package averages $19 a month in Maine.
Many Maine homeowners insure a car too. Some insurers take roughly 5% to 15% off when you buy home and car insurance from them together (Insurance Information Institute), but the same insurer has to write both policies, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.
See Maine car insurance rates · How bundling home and auto insurance works
For the house we priced, Maine averages $1,403 a year ($117 a month) across the 3 insurers we compared and 70 ZIP codes, with rates as of Sept. 30, 2026. By ZIP code, the average runs from $99 a month in Caribou to $131 in Eliot, so your address matters.
Our sample home is insured for $300,000 of dwelling coverage, and it averages $117 a month ($1,403 a year) in Maine across 70 ZIP codes. That’s about $4.68 a year per $1,000 of dwelling coverage, though premiums don’t rise in step with the limit, so quote your own rebuilding cost.
Enter your ZIP code in any quote box on this page to compare free homeowners insurance quotes for your Maine address. Get at least three: for our sample home, the 3 insurers anyone can buy from that we compared averaged $88 to $133 a month in Maine.
We priced a $300,000 dwelling, not $400,000. For that house, Maine averages $117 a month. A $400,000 house usually costs more to insure, so get quotes for your own rebuild cost, and remember the 80% rule.
Generally, yes, minus your deductible: a standard homeowners policy covers wind and hail damage. Some insurers use a separate percentage deductible for wind and hail, so work out what yours means in dollars; on our $300,000 sample house, 2% is $6,000, or $4,597 more than a year of the Maine average premium for that house.
No. A standard Maine home or renters policy doesn’t cover flooding. You can buy it through federal flood insurance (NFIP) or a private insurer, and a new NFIP policy usually takes 30 days to start, so don’t wait for a storm warning.
For the house we priced, the Maine average rose 1.2% for the same insurers and ZIP codes between Nov. 30, 2025 and Sept. 30, 2026, to $117 a month. Your own renewal depends on your insurer, your home and your claims.
Our sample renter, insuring $40,000 of belongings with $300,000 liability, pays an average of $7 a month ($89 a year) in Maine from the one insurer in our data.
Our sample condo, with $60,000 of unit coverage and $60,000 for belongings, averages $19 a month ($223 a year) in Maine from the one insurer in our data.
The Maine Bureau of Insurance licenses insurers, oversees their rates and forms, and helps consumers with complaints about claims and nonrenewals. Its consumer line is 800-300-5000.
We priced the same house with 3 major insurers, and the same apartment and condo with 1 insurer each, in each of the 70 Maine ZIP codes in our data, using licensed insurance rate data from Quadrant Information Services, with rates as of Sept. 30, 2026. Each Maine figure is the average of the ZIP-code averages, and monthly figures are yearly figures divided by 12. These are sample prices for one example home, renter and condo, not quotes or offers.
The homes we priced
How the averages work: for each insurer and ZIP code we used its lowest eligible price, averaged the insurers in each ZIP code, then averaged the ZIP codes, so every ZIP code counts the same. Percentages are worked out before rounding, so they can differ slightly from the rounded dollars shown. The price change compares the same insurers in the same ZIP codes on Nov. 30, 2025, and Sept. 30, 2026.
Which insurers we name: we don’t name a lowest-priced insurer when its lead over the next one is more than 30%, or when it was priced in fewer than 90% of a place’s ZIP codes, and we show the average without any insurer priced at more than twice the others. Each section says which insurer, if any, passed these tests for that line. We also never name an insurer that sells only to members, such as USAA (military families only) or an AAA insurer, and when the two lowest are within 5% of each other we call it a near tie.
Sample: Home: 210 sample prices from 3 insurers across 70 ZIP codes in 14 counties. Renters: 70 from 1 insurer. Condo: 70 from 1 insurer. Maine here means the 70 Maine ZIP codes in our rate data; cities group them by main post-office city.
Insurer notes: we review every note an insurer attaches to a price before publishing.
Comparisons: neighboring-state figures use the same method and rates; the 50-states-and-D.C. figure averages each state’s average and D.C.’s.
Sources for local facts: Maine Bureau of Insurance, FEMA, National Association of Insurance Commissioners, Insurance Information Institute.
Rates as of Sept. 30, 2026; price changes compare prices as of Nov. 30, 2025.
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