Renters and home insurance rates in Maine
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
| 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 |
Cite or embed this figure
- "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/.
Download the Maine county-level dataset (CSV), free to reuse with citation.