Best and cheapest companies for home and auto bundles in Maine

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Bundling your home and auto insurance in Maine can help lower your overall costs, but the best option depends on whether you’re focused on getting the biggest discount or the lowest final premium. On average, State Farm delivers the highest percentage savings, while Auto-Owners offers the most affordable bundled rates.

Because insurers price bundles differently, it’s important to compare multiple companies. The right fit depends on your home value, driving profile and where you live within Maine.

What you need to know about bundling in Maine

What is bundling? Bundling involves combining multiple insurance policies, such as home and auto, with the same insurer to qualify for a discount.
State Farm offers the largest bundle discount in Maine, saving about 23%.
The lowest-priced bundle isn’t always tied to the highest discount – final premiums vary by insurer.
Your ZIP code within Maine can significantly affect how much you save.
Bundling is often cheaper and more convenient, but it’s not always the best overall value.

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

Auto-Owners, Frankenmuth Insurance and State Farm rank among the best home and auto bundle companies in Maine, combining strong discounts, competitive pricing and high rankings for both home and auto insurance. The best option depends on whether you prioritize the largest discount or the lowest total premium.

We evaluated insurers based on their average bundle discounts in both percentage and dollar terms, along with their rankings in home and auto insurance. Based on these factors, these are the top companies for bundling in Maine:

Auto-Owners

The average bundle discount at Auto-Owners is $292, or 13%. Most Auto-Owners policyholders can bundle home and auto under a single account, making the discount easy to access. Without the bundle discount, the average rate for home and auto is $2,217.

Frankenmuth Insurance

The average bundle discount at Frankenmuth Insurance is $633, or 20%. For Frankenmuth Insurance customers with both home and auto policies, the bundle discount is applied to current coverage without needing to modify existing plans. Without the bundle discount, the average rate for home and auto is $3,168.

State Farm

The average bundle discount at State Farm is $796, or 23%. Policyholders who bundle with State Farm manage both policies together, with one renewal date and a single team handling any claims. Without the bundle discount, the average rate for home and auto 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%. The average combined rate before the discount is $3,709.

People also ask:

Who has the cheapest home and auto bundle in Maine?

In Maine, Auto-Owners offers the cheapest rates for home and auto bundle, with an average premium of $1,925.

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

On average, bundling home and auto insurance can save you about 17%, though your exact savings will depend on your coverage, location, and eligibility for discounts.

How do home and auto bundle rates compare in Maine?

Home and auto bundle rates in Maine can vary widely by insurer. Some companies offer lower starting premiums, while others provide larger discounts, and the difference between providers can be significant. Comparing both the final cost and the discount is essential 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 offer similar discounts but still produce very different final premiums depending on their base pricing. Always ask for the combined annual total for both policies after discounts are applied – not just the percentage savings – before deciding. The company with the biggest advertised discount isn’t always the one with the lowest final cost.

What is the cheapest home and auto bundles in Maine?

Choose Auto-Owners if your priority is the lowest overall premium for a home and auto bundle in Maine. If your goal is to unlock the highest discount percentage, State Farm is the stronger option.

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 choice depends on whether you prioritize the lowest final price 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 home and auto bundles in Maine is 4538, with average rates of $2,688, while the cheapest is 4736, where premiums drop to $2,412. Rates can vary widely due to differences in risk, property values and local claims data.

Where you live plays a major role in your insurance costs, affecting 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%

Your ZIP code can impact your rate more than your insurer

Location-based risks like weather, crime rates, and rebuilding costs can cause major price differences even within the same city – not just the same state. Two neighbors half a mile apart in different ZIP codes can pay meaningfully different premiums for identical coverage.

Before assuming a rate you’ve been quoted is standard, check whether your specific ZIP code is driving it up – and if you’re moving, get insurance quotes for your new address before you sign a lease or close on a home, since the difference can be significant.

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 help reduce costs and make policy management easier, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s important to compare both bundled and separate quotes. Coverage can also vary, so make sure both policies meet your needs before combining them.

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

Switching to a bundle is straightforward and often happens when one policy comes up for renewal. However, you don’t have to wait – you can cancel an existing policy early and receive a refund for unused coverage. Just make sure your new bundled policy is active before canceling your current one to avoid any lapse in coverage.

What should you check before bundling home and auto insurance?

Before bundling home and auto insurance, check the total cost, coverage details, and the insurer’s reputation. It’s important to choose a licensed company with dependable claims handling, since the lowest price may not always offer the best protection (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

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