Home insurance cost in Maine
About $1,525 a year, or $127 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Home insurance cost
$1,525
a year
A month
$127
Rank
7 of 51
1 = cheapest; −39% vs U.S.
| State | Home insurance cost | Rank |
|---|---|---|
| New Jersey | $1,480 | 5 |
| New Hampshire | $1,500 | 6 |
| Maine | $1,525 | 7 |
| Nevada | $1,635 | 8 |
| District of Columbia | $1,645 | 9 |
| U.S. | $2,490 | - |
Common questions
How much is homeowners insurance in Maine?
About $1,525 a year, or $127 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Is home insurance in Maine expensive?
Maine ranks 7 of 51 (1 = cheapest). Your price depends on the home's rebuild cost, location, claims history, credit and deductible.
Add insurance and taxes to a full payment with the mortgage calculator.
More for Maine: monthly budget · take-home pay · rent.