Home Renters insurance Renters insurance cost Average renters insurance cost in Maine Average renters insurance cost in Maine Discover the average cost of renters insurance in Maine and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: February 10, 2026 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In Maine, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $211 annually or $18 monthly for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible.Key TakeawaysThe average cost of renters insurance in Maine is $211 per year or $18 per month.State Farm provides the least expensive renters insurance in Maine at an average rate of $96 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Maine. Average renters insurance cost in Maine per monthIn Maine, the average monthly cost of renters insurance is $18. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.Average renters ins cost per monthDifference compared to national average$18$6 lessPowered by:Average renters insurance cost in Maine by companyRenters in Maine can find the most budget-friendly insurance with State Farm, which has an average annual cost of $96, according to our data. Other affordable options include Vermont Mutual and MMG Insurance.It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.Below are the average annual and monthly renters insurance rates from various insurers in Maine.CompanyAverage annual rateAverage monthly rateState Farm$96$8Vermont Mutual$100$8MMG Insurance$147$12Auto-Owners$175$15Quincy Mutual$187$16Allstate$223$19Farmers$267$22The Hanover$612$51USAA*$172$14*USAA is only available to military community members and their families.Powered by: Renters insurance calculator in Maine Select your state Maine Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $194/year Estimated renters insurance rates in Maine $16 Monthly renters insurance cost in Maine -28% Compared to national average Get quotes Average cost of renters insurance in Maine by coverage levelAs we discussed above, the average cost of renters insurance in Maine is $211 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $100 per year for renters insurance in Maine, which provides $300,000 in liability protection with a $1000 deductible.Below are the average renters insurance costs in Maine for personal property coverage amounts of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$147$12$20,000 with $500 Deductible and $300,000 Liability$162$14$20,000 with $1,000 Deductible and $100,000 Liability$137$11$20,000 with $1,000 Deductible and $300,000 Liability$152$13$40,000 with $500 Deductible and $100,000 Liability$211$18$40,000 with $500 Deductible and $300,000 Liability$228$19$40,000 with $1,000 Deductible and $100,000 Liability$194$16$40,000 with $1,000 Deductible and $300,000 Liability$211$18$60,000 with $500 Deductible and $100,000 Liability$276$23$60,000 with $500 Deductible and $300,000 Liability$294$24$60,000 with $1,000 Deductible and $100,000 Liability$254$21$60,000 with $1,000 Deductible and $300,000 Liability$272$23Powered by:Average cost of renters insurance in Maine by cityRenters insurance premiums can vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in Maine and find the best fit for your budget.Renters insurance rates in Maine by citySee rates in your cityBangorAverage cost of renters insurance in Maine by ZIP codeRenters insurance costs in Maine vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.Most affordable ZIP codes for renters insurance in MaineThe amount Maine renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 4530 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $181.Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Maine.ZIP codeCityAverage annual rateAverage monthly rate4530Bath$181$154847Hope$182$154851Matinicus$182$154843Camden$183$154853North Haven$183$154854Owls Head$183$154855Port Clyde$183$154422Charleston$184$154841Rockland$186$164856Rockport$186$16Powered by:Least affordable ZIP codes for renters insurance in MaineAmong the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Maine is 4923, with an average cost of $252 a year or $21 monthly.We analyzed quotes from multiple insurance providers across every ZIP code in Maine. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate4923Cambridge$252$214924Canaan$252$214925Caratunk$252$214929Detroit$252$214478Rockwood$252$214985West Forks$252$214930Dexter$247$214406Abbot$246$204414Brownville$246$204415Brownville Junction$246$20Powered by:Final thoughts: Average renters insurance in MaineRenters insurance is a must for Maine renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.How much is renters insurance in other statesAlaska$269/YearAlabama$390/YearArkansas$406/YearArizona$275/YearCalifornia$300/YearColorado$224/YearConnecticut$325/YearDelaware$207/YearFlorida$215/YearGeorgia$353/YearHawaii$252/YearIowa$216/YearIdaho$190/YearIllinois$294/YearIndiana$268/YearKansas$254/YearKentucky$209/YearLouisiana$579/YearMassachusetts$229/YearMaryland$251/YearMichigan$471/YearMinnesota$218/YearMissouri$249/YearMississippi$429/YearMontana$284/YearNorth Carolina$436/YearNorth Dakota$200/YearNebraska$314/YearNew Hampshire$160/YearNew Jersey$238/YearNew Mexico$195/YearNevada$263/YearNew York$328/YearOhio$255/YearOklahoma$299/YearOregon$295/YearPennsylvania$325/YearRhode Island$560/YearSouth Carolina$314/YearSouth Dakota$208/YearTennessee$309/YearTexas$223/YearUtah$246/YearVirginia$270/YearVermont$181/YearWashington$249/YearWisconsin$185/YearWest Virginia$244/YearWyoming$142/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in MaineBest and cheapest homeowners insurance companies in MaineCost of Living in Maine in 2025How much does condo insurance cost in Maine in 2025? Explore other insurance options in Maine Average homeowners insurance cost in Maine Average car insurance cost in Maine Non-owner auto insurance in Maine In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2026 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2026 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? How to bundle home and auto insurance policies to save money Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Home and auto insurance bundle: Best companies and rates By Chris Kissell $400K home insurance cost calculator By Zack Sigel Homeowners insurance rates by state: See how your state compares in 2026 By Jake Safane Highest cost of living states in the U.S. By Tonya Sisler Homeowners insurance calculator: Estimate the cost of getting homeowners insurance By Jessica Olson Condo insurance calculator: Estimate the cost of coverage By Jessica Olson On this page Average renters insurance cost in Maine per monthAverage renters insurance cost in Maine by companyAverage cost of renters insurance in Maine by coverage levelAverage cost of renters insurance in Maine by cityAverage cost of renters insurance in Maine by ZIP codeFinal thoughts: Average renters insurance in Maine ZIP Code Please enter valid ZIP See rates (844) 761-9316