🏠 Home insurance cost in Maine (2026)
The estimated average is $1,380 per year — below the national average (-40% vs. the U.S. average of $2,300).
Maine is home to about 1.4 million people, and home insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Portland typically differ from smaller towns.
Estimate your home insurance in Maine
Maine home insurance estimator
Starts from the Maine average. Estimate only — get quotes to confirm.
Home insurance cost in Maine cities
Maine home insurance FAQ
How much is home insurance in Maine?
The estimated average home insurance in Maine is $1,380 per year, which is below the national average (-40% vs. the U.S. average of $2,300). Maine ranks 44 of 51 states from most to least expensive.
Why is home insurance cheaper in Maine?
Home insurance pricing in Maine reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Northeast.
How can I save on home insurance in Maine?
Compare at least three quotes from insurers active in Maine, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.