Michelle Raber

Welcome to Michelle Raber State Farm – Here for Your Life in Maine & New Hampshire

With 23 years of experience as an insurance agent and 33 years with State Farm, I am proud to have spent my entire career with one company. Our agency is here to help individuals and families with their Auto, Home, Renters, Condo, Life, and Disability Insurance needs.

I grew up in Gray, Maine, and studied Psychology at St. Anselm College in Manchester, New Hampshire. My husband, Jeff, and I have been married for 26 years, and we have proudly called Scarborough home for the past 25 years. Together, we have two rescue dogs, Dundee and Chase, and are grateful to live in and serve the community we love. When I’m not in the office, I love to travel and explore new places.

My background in Psychology played an important role in my decision to become an insurance agent. I realized that helping people prepare for life's uncertainties was a meaningful way to support them and their families.

At our agency, we believe insurance should be simple and approachable, especially for busy people. We take the time to regularly review our customers' needs and help them keep their insurance up to date as life changes.

I am also a firm believer in lifelong learning. Over the years, I have earned the ChFC, LUTCF, and CLU designations, and I am currently working toward my RICP designation.

Giving back to the community is also important to me. I love supporting youth sports because they encourage health, happiness, goal setting, and the skills that come from working together as a team.

Whether you are new to the area or have called Scarborough home for years, our team is here to help with your insurance needs. We would love the opportunity to get to know you and be part of your community.

Why Choose Us?

Local Team + Modern Convenience

With more than three decades of combined State Farm experience, Michelle and her team bring deep local knowledge and guidance you can count on. You can request a quote online, by phone, or in person—whatever fits your schedule.

Flexible Communication

Work non-traditional hours or prefer email or virtual meetings? We make it easy to review policies, update coverage, and ask questions in a way that works for you.

Coverage for Every Stage

We help customers with a wide range of insurance needs, including:

• Auto Insurance

• Motorcycle, Boat, and Recreational Vehicle (RV) Insurance

• Homeowners, Condo, and Renters Insurance

• Life and Disability Insurance

• Business Insurance

• Pet Insurance

Relocating to Maine or New Hampshire?

We’re happy to help new residents get set up and make the move smoother—serving Scarborough, Portland, South Portland, Cape Elizabeth, Saco, Biddeford, and throughout Cumberland and York Counties.

Community-Focused

We’re proud to support our neighbors through local involvement and sponsorships—because when you choose Michelle Raber State Farm, you’re choosing an agency that cares about the community it serves.

Visit Us Your Way

• Two convenient offices in Scarborough, ME (dog-friendly and wheelchair accessible)

• Appointments available in-office, at your home, by phone, or virtually

• Maine Notary Public services available by appointment

Recognition & Service

We’re proud to be a multi-time Ambassador Travel and Champions Circle Qualifier, reflecting our long-standing commitment to service, relationships, and our customers.

Frequently Asked Questions (FAQ)

Q: How do I get car insurance quotes? A: You can request a quote online, call our office, or stop by—we’ll help you compare coverage options and choose what fits your needs.

Q: How quickly can coverage start? A: In many cases, coverage can begin the same day you purchase a policy, depending on your situation.

Q: What coverage is required when leasing a car? A: Leased vehicles typically require liability, comprehensive, and collision coverage. Your leasing company may also need to be listed on the policy.

Q: What does renters insurance cover? A: Renters insurance can help protect your belongings and may also provide liability coverage and help with temporary living expenses after certain covered losses.

Q: How does life insurance help? A: Life insurance provides a payout to your beneficiaries if the policy is active at the time of death, helping offer financial protection.

Q: Is homeowners insurance required? A: Requirements vary depending on your situation, especially if you are financing. Your lender may require it, but many people choose coverage even when it’s not required.