Best and cheapest companies for home and auto bundles in Maine

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Bundling home and auto insurance in Maine can save you money, but the best deal depends on whether you prioritize the biggest discount or the lowest overall premium. On average, State Farm offers the highest percentage savings, while Auto-Owners delivers the cheapest bundled rates.

Insurance companies vary widely in how they price bundles, so comparing multiple providers is key. The right choice depends on your home value, driving profile and where you live within Maine.

What you need to know about bundling in Maine

Bundling means purchasing multiple insurance policies, such as home and auto, from the same insurer to receive a discount.
State Farm offers the biggest bundle discount in Maine, saving an average of 23%
The cheapest bundle doesn’t always come from the biggest discount – final premiums can vary by company
Your location within Maine plays a major role in how much you’ll actually save
Bundling is often cheaper and more convenient, but it’s not always the best deal

Which companies offer the best home and auto bundles in Maine? Here’s our pick

Auto-Owners, Frankenmuth Insurance and State Farm are among the best home and auto bundle companies in Maine, offering strong discounts, competitive bundled rates and high rankings for both auto and home insurance. The right choice for you will depend on whether you prioritize the biggest discount or the lowest final premium.

We ranked companies based on the average bundle discount they offer in both dollar and percentage terms, along with their performance in auto and home insurance rankings. Based on those criteria, these are the best companies for bundling in Maine:

Auto-Owners

The average bundle discount at Auto-Owners is $292, or 13%. Auto-Owners offers bundling across its home and auto policies, making it straightforward for most policyholders to qualify. Before the bundle discount is applied, the average combined cost of home and auto insurance sits at $2,217.

Frankenmuth Insurance

The average bundle discount at Frankenmuth Insurance is $633, or 20%. For policyholders who carry both home and auto with Frankenmuth Insurance, the bundle discount applies without requiring any changes to existing coverage. Before the discount, customers pay $3,168 for coverage.

State Farm

The average bundle discount at State Farm is $796, or 23%. Bundling with State Farm means both policies share a single renewal date and the same claims team. The average combined rate before the discount is $3,475.

Allstate

The average bundle discount at Allstate is $744, or 20%. The average combined rate before the discount is $3,702.

Farmers

The average bundle discount at Farmers is $646, or 17%. Before the discount, customers see average rates of $3,709.

People also ask:

Who has the cheapest home and auto bundle in Maine?

Auto-Owners has the cheapest home and auto bundle in Maine, with an average premium of $1,925.

How much can you save by bundling home and auto insurance in Maine?

Bundling home and auto insurance can save you around 17% on average, depending on the insurer. Actual savings may vary based on your policies, location, and eligibility for discounts.

How do home and auto bundle rates compare in Maine?

Home and auto bundle rates in Maine can vary significantly by insurer. Some companies offer lower base premiums, while others provide larger discounts, and the difference between providers can be substantial. Comparing both the final price and the discount is key to finding the best deal.

Here’s how rates and savings compare across top insurers in Maine:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
Auto-Owners	A+	A+	$1,116	$1,101	0.44	0.39	$1,925	4.77
Frankenmuth Insurance	A	A	$1,745	$1,423	0.18	0.23	$2,535	4.05
State Farm	A+	A+	$2,120	$1,355	0.87	1.15	$2,679	3.41
Allstate	A+	A+	$2,478	$1,224	1.20	1.26	$2,958	2.94
Farmers	A	A	$2,252	$1,457	1.24	0.89	$3,063	2.85
MMG Insurance	A	A	$1,884	$1,653	1.93	0.84	$3,054	2.71

Bundle savings can vary more than you expect

Two insurers may advertise similar discounts but still produce very different final premiums depending on their starting rates. Always ask for the total combined annual cost of both policies after discounts are applied – not just the discount percentage – before deciding where to bundle. The company with the biggest advertised savings isn’t always the one with the lowest final bill.

What is the cheapest home and auto bundles in Maine?

Auto-Owners offers the cheapest home and auto bundle in Maine, with the lowest overall premium. If you’re looking to maximize savings through discounts, State Farm provides the highest percentage reduction.

A discount lowers the initial price of your policy, while total savings reflects the final amount you pay after all discounts are applied.

The best option depends on whether you want the lowest total cost or the largest discount.

Here’s how the cheapest bundle options compare in Maine:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Auto-Owners	$1,101	$1,116	$2,217	$1,925
Frankenmuth Insurance	$1,423	$1,745	$3,168	$2,535
State Farm	$1,355	$2,120	$3,475	$2,679
Allstate	$1,224	$2,478	$3,702	$2,958
MMG Insurance	$1,653	$1,884	$3,537	$3,054
Farmers	$1,457	$2,252	$3,709	$3,063

Cheapest doesn’t always mean best value

Lower premiums can sometimes come with reduced coverage limits, higher deductibles, or exclusions that leave you exposed when you need to file a claim, which is a request you file with your insurance company to cover a loss or damage under your policy.

Before choosing based on price alone, review three key factors: liability limits, deductible amounts, and what’s excluded from the policy. A quote that’s $200 cheaper per year but carries a $2,000 higher deductible isn’t actually a better deal – it becomes more expensive the moment you need to use it.

Which ZIP codes are most and least expensive in Maine?

The most expensive ZIP code for bundled home and auto insurance in Maine is 4538, with average rates of $2,688, while the least expensive is 4736, where premiums drop to $2,412. Rates vary based on local risks, property values and claims trends.

Where you live plays a major role in how much you pay, influencing both base premiums and available discounts.

Top ten most expensive ZIP codes

The most expensive ZIP code in Maine for home and auto insurance bundling is 4538 at an average rate of $2,688.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
4538	$2,688	$545	17%
4556	$2,684	$547	17%
4915	$2,682	$550	17%
4643	$2,668	$538	17%
4922	$2,664	$547	17%
4605	$2,623	$531	17%
4429	$2,605	$549	17%
3901	$2,603	$537	17%
4911	$2,602	$556	18%
4010	$2,598	$553	18%

Top ten cheapest ZIP codes

The least expensive ZIP code in Maine for home and auto insurance bundling is 4736 at an average rate of $2,412.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
4736	$2,412	$502	17%
4038	$2,439	$498	17%
4344	$2,446	$508	17%
4210	$2,489	$513	17%
4330	$2,498	$517	17%
4426	$2,499	$530	17%
4097	$2,505	$519	17%
4741	$2,505	$522	17%
4240	$2,518	$517	17%
4945	$2,523	$539	18%

Location can impact your premium more than you might expect

Local risk factors such as weather exposure, crime rates and rebuilding costs can create significant price differences even within the same city. Two homes located close to each other but in different ZIP codes can have noticeably different premiums for identical coverage. Before assuming your rate is typical, check whether your ZIP code is driving it higher – and if you’re planning to move, compare insurance rates for your new address before finalizing your decision.

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Maine by city

See rates in your city

Bangor

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 for all 50 states and Washington, D.C. Home and auto bundling discount percentages, based on the average discount from each company were also analyzed. Before and after bundling rates were calculated using the average discount percentage. We included 6 companies and 25 ZIP codes in our analysis.

Frequently asked questions about home and auto bundle insurance

Is bundling home and auto insurance right for everyone in Maine?

Bundling home and auto insurance in Maine can save money and make managing your policies easier, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s worth comparing both options.

Coverage can also vary between insurers, so make sure both policies meet your needs before bundling. Bundling is convenient, but not always the best deal. Comparing bundled and separate quotes is the best way to make sure you’re actually saving money.

“Remember when buying insurance that you’re doing so to protect your most valuable assets,” says Christine O’Brien, president of the Insurance Council of New Jersey. “Take the time to learn about policy limits and coverages and get several quotes.”

How can you switch to a home and auto bundle in Maine?

What should you check before bundling home and auto insurance?

Before bundling home and auto insurance, compare total costs, coverage details, and the insurer’s reputation. Make sure the company is licensed and offers reliable claims support, as the cheapest option may not provide the best overall value (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. May 2026.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.

For auto insurance discounts, we analyzed 11,069,610 quotes in 2024 from 197 companies across 89 insurer groups. Rates reflect a 40-year-old male and female driving a 2023 Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, and 15,000 annual miles.

For home insurance discounts, we reviewed 17,856,699 quotes in 2025 from 134 companies across 75 insurer groups, using a standardized homeowner profile with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 liability.

To rank companies, we developed a composite scoring model that balances cost, customer experience, and financial strength. Each insurer’s score is weighted as follows:

Annual premium (35%) – average cost across auto and home datasets
NAIC (35%) – complaint index and customer experience
AM Best (30%) – financial strength and stability

How much is home and auto bundle insurance in other states

$3,766/Year

$4,171/Year

$4,303/Year

$3,494/Year

$3,605/Year

$4,655/Year

$4,165/Year

$4,209/Year

$2,995/Year

$5,034/Year

$4,402/Year

$2,297/Year

Show more states

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

On this page

Which companies offer the best home and auto bundles in Maine? Here's our pick
How do home and auto bundle rates compare in Maine?
What is the cheapest home and auto bundles in Maine?
Which ZIP codes are most and least expensive in Maine?
How we picked the best companies for home and auto bundling
Frequently asked questions about home and auto bundle insurance
Resources & Methodology

Best and cheapest companies for home and auto bundles in Maine