Average insurance rates across 15 cities in Maine
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Portland | 209,491 | $1,260 | $1,050 | $514/mo | $15/mo |
| Lewiston | 37,577 | $1,260 | $1,050 | $514/mo | $15/mo |
| Bangor | 31,705 | $1,260 | $1,050 | $514/mo | $15/mo |
| South Portland | 26,656 | $1,260 | $1,050 | $514/mo | $15/mo |
| Auburn | 24,038 | $1,260 | $1,050 | $514/mo | $15/mo |
| Biddeford | 22,438 | $1,260 | $1,050 | $514/mo | $15/mo |
| Sanford | 21,986 | $1,260 | $1,050 | $514/mo | $15/mo |
| Saco | 20,446 | $1,260 | $1,050 | $514/mo | $15/mo |
| Westbrook | 20,339 | $1,260 | $1,050 | $514/mo | $15/mo |
| Augusta | 18,938 | $1,260 | $1,050 | $514/mo | $15/mo |
| Waterville | 15,785 | $1,260 | $1,050 | $514/mo | $15/mo |
| Brewer | 9,633 | $1,260 | $1,050 | $514/mo | $15/mo |
| Bath | 8,775 | $1,260 | $1,050 | $514/mo | $15/mo |
| Presque Isle | 8,772 | $1,260 | $1,050 | $514/mo | $15/mo |
| Ellsworth | 8,478 | $1,260 | $1,050 | $514/mo | $15/mo |
Maine residents pay an average of $1,200 per year for home insurance and $1,000 for auto insurance. Maine follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 50/100/25.
Health insurance in Maine averages $510 per month for an individual Silver marketplace plan. The weather risk level is medium, with moderate natural disaster risk. Top insurance providers in Maine include Amica, USAA, State Farm.
The average home insurance cost in Maine is $1,200 per year. Rates range from $750 to $1,750 depending on home value, location, and coverage level.
Auto insurance in Maine averages $1,000 per year for full coverage. The state minimum coverage is 50/100/25.
Maine has below-average insurance costs, with home insurance at $1,200/yr and auto at $1,000/yr compared to national averages of $2,300 and $1,800 respectively.
Maine requires minimum liability coverage of 50/100/25 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.