Farmers and State Farm each earn a 4.8/5 MoneyGeek score, making them Maine's co-best home and auto bundle insurers. State Farm's annual bundled premium of $2,050 gives it a slight price edge. I analyzed 240 quotes across four Maine ZIP codes, ranking carriers on a weighted mix of affordability, customer satisfaction and coverage quality. State Farm performs well for its 22% bundle discount, saving policyholders $580 annually, the highest dollar savings among all Maine carriers in this analysis. Maine's top bundle providers rank competitively against the best home and auto insurance bundles nationally, with both Farmers and State Farm earning scores that place them among the highest-rated carriers in MoneyGeek's full 50-state analysis.
Best Home and Auto Insurance Bundle in Maine
Updated: May 7, 2026
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Key Takeaways
Farmers and State Farm share the top spot in Maine with a MoneyGeek score of 4.8 out of 5. State Farm's annual bundled premium of $2,050 edges out Farmers' $2,071, making it the slightly more affordable choice among the co-leaders.
State Farm offers Maine's biggest bundle discount at 22%, saving policyholders $580 per year, the largest dollar savings of any carrier in this analysis.
A higher discount does not guarantee the lowest total bill. MMG Insurance offers Maine's cheapest bundle at $1,777 per year with only a 14% discount, while State Farm's 22% discount still results in a $2,050 annual premium, $273 more than MMG.
Best Home and Auto Insurance Bundle in Maine
| Farmers | 4.75 | $2,071 | 11% |
| State Farm | 4.75 | $2,050 | 22% |
| MMG Insurance | 4.65 | $1,777 | 14% |
| Allstate | 4.54 | $2,560 | 15% |
| Travelers | 4.49 | $2,894 | 11% |
To learn more about how we rank the top home and auto insurance bundles, see our methodology.
Top 3 Home and Auto Bundle Companies in Maine
Farmers and State Farm tie at the top with a 4.8/5 MoneyGeek score. Farmers leads on coverage breadth while State Farm offers the most competitive pricing and the highest bundle discount in the state at 22%. MMG Insurance rounds out the top three with the lowest combined premium at $1,777 per year, the go-to choice for cost-focused Maine households. Maine's insurance market is relatively small, with a handful of regional and national carriers writing policies in the state. Coastal nor'easter and winter storm exposure push home premiums above national averages, which helps explain why regionally focused carriers like MMG Insurance can compete on price.
Farmers
MoneyGeek Rating
4.8/ 5
4.3/5Affordability
3.7/5Customer Experience
4.4/5Coverage
Annual Bundle Premium
$2,071Monthly Bundle Premium
$173Bundle Savings
11%
State Farm
MoneyGeek Rating
4.8/ 5
4.3/5Affordability
3.9/5Customer Experience
3.1/5Coverage
Annual Bundle Premium
$2,050Monthly Bundle Premium
$171Bundle Savings
22%
MMG Insurance
MoneyGeek Rating
4.7/ 5
5/5Affordability
3.5/5Customer Experience
2.6/5Coverage
Annual Bundle Premium
$1,777Monthly Bundle Premium
$148Bundle Savings
14%
Cheapest Home and Auto Bundle in Maine
MMG Insurance offers Maine's cheapest home and auto bundle at $1,777 per year, $272 less than the next-lowest option. State Farm delivers the biggest discount at 22%, saving policyholders $580 annually, but its combined premium of $2,050 is still $273 higher than MMG Insurance's total. A larger discount doesn't guarantee a lower total cost. Maine's standalone auto rates are part of what determines total bundle costs, and the average car insurance costs in Maine show how the auto component varies across the state's coastal and rural ZIP codes.
| MMG Insurance | $1,777 | $294 |
| State Farm | $2,050 | $580 |
| Farmers | $2,071 | $263 |
| Allstate | $2,560 | $463 |
| Travelers | $2,894 | $367 |
Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.
Companies Offering the Biggest Bundle Discount in Maine
State Farm offers Maine's highest bundle discount at 22%, saving policyholders $580 per year, the most of any carrier in this analysis. Despite its large discount, State Farm's combined annual premium of $2,050 is still $273 higher than MMG Insurance's total of $1,777, which carries only a 14% discount. Shoppers focused purely on the discount percentage risk overpaying if they don't compare the total bundled cost.
| State Farm | 22% | $580 | $2,050 |
| Allstate | 15% | $463 | $2,560 |
| MMG Insurance | 14% | $294 | $1,777 |
| Farmers | 11% | $263 | $2,071 |
| Travelers | 11% | $367 | $2,894 |
Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.
FINDING HOME AND AUTO INSURANCE IN MAINE
Maine's insurance market is smaller than most states, with fewer national carriers actively competing for homeowners business, which can limit bundle options in rural areas and along the coast. All five providers in my Maine analysis are actively writing policies in the state. Coastal communities pay elevated homeowners premiums tied to nor'easter, wind and storm surge risk, and some insurers impose higher wind deductibles or coverage restrictions for shoreline properties. The best homeowners insurance in Maine includes carriers that write policies across Maine's coastal and rural ZIP codes where bundle options are most limited.
How to Get a Cheap Home and Auto Insurance Bundle in Maine
Maine's nor'easter and winter storm exposure pushes home insurance premiums above national averages, and the state's coastal geography adds wind and storm surge risk for shoreline properties that can further elevate rates. Understanding these cost drivers helps Maine homeowners target the right savings strategies.
- 1Choose a Higher Deductible
Raising your home deductible from $500 to $1,000 can meaningfully lower your annual home premium, and the same logic applies to your auto comprehensive and collision deductibles. Before switching, make sure you have enough in savings to cover the higher out-of-pocket cost if you need to file a claim, so you're not caught short after a nor'easter or a fender bender.
- 2Try a Telematics Auto Program
Telematics programs monitor your driving habits, including speed, hard braking, and mileage, and reward safe drivers with lower auto premiums. Progressive's Snapshot program, available in Maine, can deliver meaningful discounts for low-mileage or careful drivers. These savings layer on top of your existing bundle discount, compounding your total reduction.
- 3Winterize and Fortify Your Home Against Nor'easters
Nor'easter and winter storm exposure is the primary driver of elevated home premiums in Maine. Ice dam damage, heavy snow loads, frozen pipes, and coastal wind are the most common sources of costly claims. Pipe insulation, reinforced roofing, storm windows, and weatherproofing improvements can qualify you for home insurance discounts at renewal, and these credits stack with your bundle savings. Ask your carrier about specific mitigation discounts when you renew.
- 4Compare Quotes When Your Policy Renews
Maine bundled premiums range from $1,777 per year at MMG Insurance to $2,894 at Travelers, a spread of more than $1,100. Comparing quotes at renewal takes less time than most homeowners expect and can produce real, lasting savings. Even switching from the fourth- to the first-ranked carrier in Maine saves over $1,100 annually.
Home and Auto Insurance Bundle in Maine: FAQ
Here are answers to the questions Maine residents ask most about bundling home and auto insurance.
Does Maine's coastal and winter climate affect home and auto bundle rates?
Yes. Maine's nor'easter and winter storm exposure is the primary reason home premiums in the state run above national averages, which raises the cost of a bundled policy. My Maine analysis found bundled premiums ranging from $1,777 to $2,894 per year, with coastal and wind risk contributing to the higher end of that range. Choosing a carrier with strong coverage options for winter perils, like Farmers with the state's top coverage score of 4.4/5, helps make sure your policy covers Maine's most common claim events.
Should I bundle home and auto insurance in Maine?
Bundling home and auto insurance in Maine is almost always worth it. Every carrier in my analysis offers a discount ranging from 11% to 22%, saving between $263 and $580 per year. Beyond the discount, managing both policies with one insurer simplifies renewals, billing and claims. Maine's bundle savings are competitive relative to most northeastern states, and the best home and auto insurance bundles nationally show that Maine's top carriers compete well on both discount size and total premium.
Which company has the best bundle in Maine for homeowners who want more coverage?
Farmers is the best choice for Maine homeowners who prioritize coverage depth, earning the highest bundled coverage score in the state at 4.4/5. Its policy options include extended replacement cost, equipment breakdown protection and identity shield add-ons that go well beyond a standard HO-3 policy. The Farmers insurance review details how the carrier's coverage options and claims process perform in Maine's winter storm and coastal risk environment.
How do I know if my bundle discount is actually saving me money?
The clearest way to verify your bundle savings is to get separate quotes for home and auto from the same carrier and compare the combined total to your bundled rate. The difference is your actual dollar savings. In Maine, State Farm's 22% discount saves $580 per year, but its $2,050 bundled premium is still $273 higher than MMG Insurance's $1,777 total with a smaller 14% discount. Always compare total premiums, not just discount percentages.
Can I still get a bundle discount in Maine if I have a prior claim?
Yes. Most Maine carriers continue to offer bundle discounts to policyholders with a prior claim, though the discount percentage may be smaller and your overall premium will likely be higher than for a claim-free household. The bundle discount applies to the combined policy structure, not to your claims history. Shopping multiple carriers at renewal is especially important after a claim, since pricing varies widely across Maine insurers.
MoneyGeek analyzed 240 quotes across 4 Maine ZIP codes to rank the best home and auto bundle insurers in the state. Rate data was sourced from Quadrant Information Services. Financial strength ratings come from AM Best; customer satisfaction data draws on J.D. Power ratings and the Maine Bureau of Insurance complaint index.
All figures represent averages. Actual rates vary by ZIP code, claims history, and individual profile.
Auto score breakdown:
- Affordability (60%): Rate quotes for multiple driver profiles. Maine baseline: 40-year-old, good credit, clean record, 2021 Toyota Camry, 50/100 full coverage, $1,000 deductible.
- Customer experience (30%): Google reviews, J.D. Power ratings, and AM Best scores organized by state.
- Coverage options (10%): Range of coverage types and policy features for each provider.
Home score breakdown:
- Affordability (55%): Rates compared for identical coverage; discount availability evaluated. Maine baseline: homeowner aged 41–60, good credit, 2,500-sq-ft home built in 2000, $250K dwelling, $125K personal property, $200K liability, $1,000 deductible.
- Customer satisfaction (30%): J.D. Power ratings, Trustpilot reviews, and app feedback for claims handling.
- Coverage options (15%): Add-on availability with attention to Maine-specific risks: nor'easter, winter storm, wind, ice dam, and coastal coverage.
For full details, see our auto insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!