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When shopping for home and auto insurance, some insurers offer better deals on bundled coverage than others. We’ve compared multi-policy discounts from insurance companies in Maine to identify which ones provide significant savings when combining multiple coverage types.

State Farm provides the highest percentage discount on home and auto insurance premiums in Maine when you bundle your policies. By choosing this insurer, you can save an average of 26% on your home and auto bundle.

On the other hand, Auto-Owners provides the lowest overall rate for bundling in Maine. When you bundle your policies, you can expect to pay an average of $1,385.

Key Takeaways

  • In Maine, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 26%.
  • Some insurance companies offer more significant bundling discounts, so comparing quotes is a good idea.
  • Your ZIP code plays a major role in determining how much you can save on your home and auto insurance bundle.
  • Bundling is usually a smart move, but sometimes it might not be the best option.

How we picked the best companies for home and auto bundling

Insure.com analyzed home and auto insurance rates from Quadrant Data Services in 2024 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 48 companies and 4,686 ZIP codes in our analysis.

Our recommendation for the best home and auto bundles in Maine

We ranked companies based on the average discounts they provide for home and auto bundles, factoring in both the dollar savings and percentage reduction. Below is our curated list of the top companies for home and auto bundles in Maine.

State Farm

The average bundle discount at State Farm is $580, or 26%. Before the bundle discount is added, the average cost of home and auto insurance is $2,193. After getting a bundle discount, the cost drops to $1,613. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.

Auto-Owners

Auto-Owners offers an average bundle discount of $205, or 13%. Before the bundle discount, you’ll pay an average of $1,590, which will decrease to $1,385 after the discount is applied.

Allstate

Bundling auto and home insurance with Allstate can save an average of $489, or 19%. Without the discount, the coverage costs $2,619, but after the discount, it’s only $2,130.

Compare home and auto bundles in Maine

Bundling your home and auto insurance in Maine can help you save, but the savings vary depending on the company. Let’s take a look at how much you can save with some of the top insurers.

CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall Rating
State Farm$1,613 4787.4A++26%79.32
Auto-Owners$1,385 4981.2A++13%63.59
Allstate$2,130 3985A+19%60.81

What company offers the cheapest home and auto bundles in Maine?

If you bundle your policies, State Farm gives you the highest discount. Auto-Owners has the lowest overall rate for bundling.

CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after Bundle
Auto-Owners$853$737$1,590$1,385
State Farm$1,192$1,001$2,193$1,613
Allstate$1,254$1,365$2,619$2,130
Frankenmuth Insurance$1,321$1,395$2,716$2,175
MMG Insurance$1,443$1,260$2,703$2,267

Most and least expensive ZIP codes for home and auto insurance bundles in Maine

Where you live can help to determine how big of a discount you will get for bundling coverage, and also the base rates from which that discount is taken. Here are the most and least expensive ZIP codes in Maine for policyholders who bundle their coverage:

Most expensive ZIP codes

The most expensive ZIP code in Maine for bundling home and auto insurance is 4010, with an average cost of $2,072. Here are the 10 most expensive ZIP codes:

ZIP codeAverage auto and home after discountAverage difference
4010$2,07219%
4911$2,05119%
4429$2,01119%
4263$2,00319%
4240$1,98019%
4210$1,97519%
4643$1,97319%
4945$1,96919%
4556$1,96619%
4426$1,95919%

Least expensive ZIP codes

The least expensive ZIP code in Maine for bundling home and auto insurance is 4038, with an average cost of $1,807. Here are the 10 cheapest ZIP codes:

ZIP codeAverage auto and home after discountAverage difference
4038$1,80719%
4736$1,81319%
4097$1,86819%
4008$1,87019%
4741$1,88719%
4915$1,89719%
4605$1,89819%
4083$1,90219%
4019$1,90819%
4401$1,91419%

Frequently asked questions about bundling home and auto insurance

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

Bundling your insurance can help you save money and make managing your policies easier. With one company handling everything, you can check all your coverages in one place.

However, bundling isn’t always the cheapest move. If you find a great deal on car insurance but your homeowners insurance is much more expensive with the same company, you might save more by getting separate policies from different insurers.

It’s also possible that a company has the right coverage for one type of insurance but not for the other.

Instead of assuming a bundle is the best deal, it’s always a good idea to shop around and compare quotes.

“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?

Switching to a bundled policy is simple, and many people take this step when their insurance comes up for renewal. For example, if your car insurance is with one company and your homeowners insurance with another, you can easily combine them under one insurer when it’s time to renew.

However, you don’t have to wait until renewal to bundle your policies. If you cancel one of your policies before it expires, you might get a refund for the months you won’t be covered by that insurer.

But before canceling coverage on any of your policies, make sure your new coverage is set up and active. Don’t cancel the old one until you’re fully covered.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services in 2024 fielded from all 50 states and Washington, D.C. Rates were compared based on average home and auto premiums before bundling and after bundling based on the average multi-policy discount offered by each insurance company. The average total rate after the discount was calculated by subtracting a dollar amount equal to the average discount percentage from the pre-discount total rate.

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How much is home and auto bundle insurance in other states

Alabama$2,543/Year
Arizona$2,478/Year
Arkansas$3,119/Year
California$2,866/Year
Colorado$3,605/Year
Delaware$1,952/Year
Florida$3,408/Year
Georgia$3,022/Year
Idaho$1,993/Year
Illinois$2,678/Year
Indiana$2,437/Year
Iowa$2,564/Year
Kansas$3,865/Year
Kentucky$3,465/Year
Louisiana$3,987/Year
Maryland$2,935/Year
Michigan$3,651/Year
Minnesota$2,949/Year
Mississippi$3,255/Year
Missouri$3,393/Year
Montana$3,188/Year
Nebraska$4,496/Year
Nevada$2,442/Year
New Hampshire$1,615/Year
New York$3,450/Year
North Carolina$1,823/Year
North Dakota$3,244/Year
Ohio$2,229/Year
Oklahoma$4,641/Year
Oregon$1,701/Year
Pennsylvania$2,589/Year
Rhode Island$1,739/Year
South Carolina$2,766/Year
South Dakota$3,482/Year
Tennessee$2,843/Year
Utah$1,972/Year
Vermont$1,553/Year
Virginia$1,995/Year
Washington$1,762/Year
Washington, D.C.$2,506/Year
West Virginia$2,361/Year
Wisconsin$2,083/Year
Wyoming$2,619/Year
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Chris Kissell
Contributing Researcher

 
  

Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more.

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