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Best Homeowners Insurance in Maine (2025)
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Content was accurate at the time of publication.
Best cheap home insurance companies in Maine
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Find the Cheapest Home Insurance Quotes 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.
Maine’s best home insurance companies
| 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: J.D. Power. Higher is better; 640 is average.
**Source: National Association of Insurance Commissioners (NAIC). Lower is better; 1.0 is average.
Best home insurance company overall: The Concord Group
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
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
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
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
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
Find the Cheapest Home Insurance Quotes in Maine
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 Dwelling coverage pays to repair or rebuild your home’s structure after destruction from fire, hail or other dangers (called “perils” in your policy). . The average home insurance rate in Maine for a policy with a $350,000 dwelling limit is $131 a month. That’s 11% less than for a policy with a $400,000 limit. Policies with a $450,000 limit are 11% more.
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 | Monthly rate |
|---|---|---|
| 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