Renters and home insurance rates in Maine

Name: HomeCover HQ Rates Index: Maine
Creator: HomeCover HQ
Published: 2026-08-17
License: https://homecoverhq.com/terms

The NAIC's published average premiums for Maine by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.

Figures are published averages, never quotes; methodology at the foot of the page.

average renters premium (HO-4), per year: $145
average homeowners premium (HO-3), per year: $1,077
renter households: 153,056

By county

renter households, largest first

Table view

Row	Value
Cumberland County	38,518
York County	21,536
Penobscot County	19,249
Androscoggin County	15,222
Kennebec County	14,694
Aroostook County	7,604
Hancock County	5,301
Somerset County	5,170
Oxford County	4,546
Knox County	3,859
Sagadahoc County	3,596
Waldo County	3,335

By county


Cumberland County	38,518	$1,492	$411,400
York County	21,536	$1,239	$357,200
Penobscot County	19,249	$997	$193,800
Androscoggin County	15,222	$966	$232,000
Kennebec County	14,694	$952	$219,900
Aroostook County	7,604	$736	$131,700
Hancock County	5,301	$1,000	$278,400
Somerset County	5,170	$887	$155,200
Oxford County	4,546	$807	$192,300
Knox County	3,859	$1,079	$290,800
Sagadahoc County	3,596	$1,050	$300,200
Waldo County	3,335	$969	$239,100
Washington County	3,070	$768	$147,100
Franklin County	2,865	$759	$176,700
Lincoln County	2,619	$1,003	$306,200
Piscataquis County	1,872	$807	$153,300

Download the Maine county-level dataset (CSV), free to reuse with citation.

Sources, citation and related pages

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The average annual renters insurance premium in Maine was $145 in 2022, across 153,056 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).

Cite as: "HomeCover HQ Rates Index: Maine", updated 2026-08-17, https://homecoverhq.com/rates/maine/.

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Average annual renters insurance premium · Maine · 2022

$145

renter households	153,056

Source: HomeCover HQ Rates Index: Maine

<figure style="margin:0;max-width:340px;padding:16px 18px;border:1px solid #e2e8f0;border-radius:10px;background:#ffffff;color:#0f172a;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;line-height:1.4;"><figcaption style="margin:0 0 6px;font-size:11px;letter-spacing:.04em;text-transform:uppercase;color:#64748b;background:#ffffff;">Average annual renters insurance premium &middot; Maine &middot; 2022</figcaption><p style="margin:0;font-size:26px;font-weight:700;color:#0f172a;background:#ffffff;">$145<span style="font-size:14px;font-weight:400;color:#64748b;"></span></p><table style="width:100%;border-collapse:collapse;margin:10px 0 0;font-size:13px;background:#ffffff;border:0;"><tbody style="background:#ffffff;"><tr style="background:#ffffff;"><th scope="row" style="text-align:left;font-weight:400;color:#64748b;background:#ffffff;border:0;padding:3px 0;">renter households</th><td style="text-align:right;font-weight:600;color:#0f172a;background:#ffffff;border:0;padding:3px 0;">153,056</td></tr></tbody></table><p style="margin:12px 0 0;font-size:12px;color:#64748b;background:#ffffff;">Source: <a href="https://homecoverhq.com/rates/maine/#stats" style="color:#2563eb;background:#ffffff;text-decoration:underline;">HomeCover HQ Rates Index: Maine</a></p></figure>

Source: NAIC Homeowners Report average premiums (2022 data year) and US Census ACS 5-year (2023) county housing records, computed 2026-08-17.

content.naic.org NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance Report (2022 data) (NAIC public report)

www2.census.gov US Census Bureau ACS 5-year (2023) tables B25003/B25064/B25077 (US Government public domain)
www2.census.gov Census 2023 Gazetteer, counties (US Government public domain)

Methodology: State average premiums by policy form (HO-3 owner-occupied, HO-4 tenant/renters, HO-6 condo, plus HO-2/HO-5 where published) are the NAIC Dwelling Fire/Homeowners report's 2022 data year, transcribed per state and cross-checked against the countrywide row; the NAIC does not publish county premiums, so county rows carry Census ACS 5-year (2023) records instead: total households, renter-occupied households, median gross rent and median home value per county FIPS. County names and centroids come from the Census 2023 Gazetteer. Puerto Rico and territory counties are excluded (no NAIC premium row). Figures describe published filings and Census records, never quotes: your premium depends on carrier, coverage and property.

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