Below are our picks for the best home and auto insurance bundling companies in Maine:
Best Home and Auto Insurance in Maine
Updated: April 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
State Farm, Allstate and Auto-Owners are the top home and auto insurance companies in Maine.
State Farm offers the best home and auto insurance discount, with savings of 19% on auto and 35% on home insurance.
The average annual home and auto insurance cost in Maine is $2,048, 34% less than the national average.
Who Offers the Best Home and Auto Insurance Bundles in Maine?
| State Farm | 90 | $1,216 | $463 |
| Allstate | 80 | $2,128 | $408 |
| Farmers | 61 | $3,709 | $308 |
| Auto-Owners | No Data | $1,139 | $175 |
State Farm: Best Cheap Home and Auto Insurance in Maine
State Farm is the best affordable provider for bundling home and auto insurance in Maine, saving customers 19% on car and 35% on home insurance. Customers benefit from other discounts, including programs for young drivers and Drive Safe and Save telematics that can save up to 30%. State Farm also ranks second overall for auto and seventh for home insurance, according to J.D. Power.
| Auto | $632 | $148 | 19% |
| Home | $584 | $315 | 35% |
Allstate: Best Home and Auto Insurance Coverage Options in Maine
Allstate costs more for home and auto insurance in Maine, but customers can save over 10% by bundling policies. Allstate offers Milewise, a telematics-based program where drivers can save up to 40%. While Allstate ranks below average for home and auto insurance claims in a J.D. Power study, it offers unique coverage options, including new car replacement and green improvement reimbursement.
| Auto | $820 | $103 | 11% |
| Home | $1,308 | $305 | 19% |
Maine Home and Auto Insurance Cost
Maine's average monthly home and auto insurance cost is $171, below the national average of $258. Monthly rates range from $95 to $309, depending on the provider.
| Maine home and auto insurance bundle | $2,048 | $1,046 | -34% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Maine Home and Auto Insurance Quotes Without Bundling
While our research shows that not bundling home and auto insurance is more expensive in Maine, your quotes may differ. Below are the average costs of all coverage combinations using top providers without bundling, from least to most expensive.
| State Farm | Auto-Owners | $1,400 |
| Allstate | Auto-Owners | $1,543 |
| Auto-Owners | State Farm | $1,592 |
| Allstate | State Farm | $1,822 |
| Auto-Owners | Allstate | $2,306 |
| State Farm | Allstate | $2,393 |
| Auto-Owners | Farmers | $2,417 |
| State Farm | Farmers | $2,504 |
| Allstate | Farmers | $2,647 |
| Farmers | Auto-Owners | $2,913 |
| Farmers | State Farm | $3,192 |
| Farmers | Allstate | $3,906 |
Should I Bundle Home and Auto Insurance in Maine?
Drivers in Maine often find it cheaper to bundle home and auto insurance rather than buying from different providers. However, evaluate your coverage needs and financial situation to determine the best option.
Bundling discounts save you more than individual policies
In Maine, bundling home and auto insurance can save you money. The cheapest annual cost without bundling is $1,400, while bundling brings it down to $1,139.
Bundling makes policy management convenient
Managing your insurance is easier with bundling. You handle everything through one account, simplifying the process.
In rare cases, it might be better not to bundle in Maine
Choosing not to bundle might not save you more money but can offer more flexibility in coverage options.
Best Auto and Home Insurance in Maine: Bottom Line
In Maine, Auto-Owners, State Farm and Allstate stand out for bundling home and auto insurance. Bundling can save you more money than buying each policy separately. Compare multiple quotes to find the best deal for your situation.
Home and Auto Insurance in Maine: FAQ
Find expert answers to Maine home and auto insurance questions here:
Who has the best home and auto insurance in Maine?
State Farm has the best home and auto insurance for most drivers in Maine. For coverage options, Allstate is our top pick.
Who has the cheapest home and auto insurance in Maine?
Auto-Owners offers the cheapest home and auto insurance bundle in Maine at $1,139 annually, saving policyholders $175 compared to the state average.
How much does home and auto insurance in Maine cost on average?
The average annual premium for bundled home and auto insurance in Maine is $2,048, 34% lower than the national average. The most affordable annual rate is $1,139, while the highest is around $3,709.
Is bundling home and auto insurance cheaper in Maine?
Bundling home and auto insurance is typically cheaper in Maine. While the cheapest option seems attractive, ensure you're sufficiently covered against significant losses. Balance affordability and comprehensive coverage.
Best Auto and Home Insurance Bundle in Maine: Our Methodology
Bundle Scoring System
MoneyGeek used data from the Maine Bureau of Insurance and Quadrant Information Services to calculate home and vehicle insurance rates. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual scores for home and auto insurance. We also looked at each insurer's bundle discounts to measure savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Maine
MoneyGeek's typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Maine
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.