Progressive
$94/mo
General
$93/mo
Allstate
$170/mo
State Farm
$111/mo
CSAA
$114/mo
Progressive
General
Allstate
State Farm
CSAA
The average car insurance rates in Bangor, Maine, are lower than the national average. The reasons for the low insurance rates in the city could be non-driving factors like low crime and property theft rates.
What can help you get the best rates is thorough research on the possible options available in the city, along with the discounts and the factors that influence the rates in Bangor. Way.com allows you to get the best rates in a matter of minutes and helps you save money by providing discounts for every type of driver.
The average car insurance rates, the best insurance companies, and the factors that influence the rates in the city, in particular, will be reviewed here.
The car insurance rates in the city of Bangor are lower than the national average of $1557 but higher than the state average. This is because various driving and non-driving factors influence car insurance rates in Bangor. It costs $1071 on average to insure your car in Bangor.
| Bangor Average | Maine Average | National Average |
|---|---|---|
| $1071 | $927 | $1557 |
Proof of insurance is a mandatory requirement to drive a car in the city. In addition, it is needed for renewing the car registration or when the car is involved in an accident. A minimum amount of liability insurance is required for every car owner. Collision and comprehensive coverage are highly recommended to avoid out-of-pocket expenses.
Obtaining quotes from many insurance firms in the city is an efficient method for understanding the various trends and discounts offered by providers in Bangor. Numerous local and national insurance firms offer the cheapest rates in Bangor. Way.com facilitates completing this task, allowing you to secure the finest coverage available.
The companies that provide the cheapest car insurance rates in Bangor are listed below. In addition, State Farm and Travelers offer the cheapest auto insurance rates in Bangor.
| Insurance Company | Average Yearly Rate |
|---|---|
| State Farm | $836 |
| Travelers | $774 |
| USAA | $719 |
| Allstate | $1620 |
| Progressive | $984 |
| Frankenmuth Insurance | $1202 |
| Farmers Insurance | $1550 |
Age is a major non-driving factor that influences insurance rates. Bangor is no different. Here the teen drivers pay the highest rates costing $3956 yearly on average. The older you get, the lower the insurance premium rates become. Hence, the average rate for drivers belonging to the age group of 30 and 50 is $1105.
The city follows the general trend regarding insurance rates based on gender. Here male drivers pay $1071 yearly while female drivers pay $1032.
| Gender | Average Yearly Rate |
|---|---|
| Female | $1032 |
| Male | $1071 |
Making sure you have a clean driving record is one of the easiest things you can do to reduce the price of your auto insurance. With a spotless driving record devoid of accidents, fines, and citations, one can keep their auto insurance premiums at a level comparable to the average premium for the city of Bangor.
| Driving Violation/Incident | Average Yearly Rate |
|---|---|
| DUI/DWI | $4978 |
| Reckless Driving | $3946 |
| Speeding Tickets | $2240 |
One of the advantages of keeping good credit scores is that it might result in reduced rates for insurance premiums. There are a lot of different auto insurance companies out there, and many of them utilize a credit-based auto insurance score to determine whether or not they will accept you as a policyholder and how much your monthly premium will be. So if you have good credit, you may be able to get a lower price.
| Credit Tier | Average Rate |
|---|---|
| Good | $2020 |
| Fair | $2285 |
| Very Poor | $2677 |
Bangor Stats
For example, your location and the different aspects of the place regulate the driving conditions and the insurance rates. This includes road safety, the area's regulations, and the city's percentage of car owners. Apart from the factors discussed, auto theft and accident rates also play an important role in determining the car insurance rates in Maine.
Auto Theft Statistics
The annual motor vehicle theft rate in the United States is 220 per 100,000 persons. However, the theft rate in Bangor is 88 per 100,000, which is below the national average.
| Bangor Auto Theft Rate per 100,000 | National Auto Theft Rate per 100,000 |
|---|---|
| 88 | 220 |
Accident Statistics
The frequency of accidents in an area may contribute to an increase in insurance costs. If you are involved in an accident, you may be labeled a high-risk driver and subject to increased insurance prices. The accident rate in Bangor is less, according to 2019 data by City Data.
| Fatal Accident Count | 2 |
| Vehicles involved in fatal accidents | 3 |
| Fatal accident involving drunk persons | 1 |
| Fatalities | 3 |
| Persons involved in fatal accidents | 7 |
One should always be on the lookout for different techniques to lower their auto insurance premiums. While checking around for insurance quotes, several providers might give you insurance quotes online. To get an affordable option for you, there are several tricks that you can take to minimize the amount that you pay for your insurance premiums.
Since most insurance providers now provide their quotes online, thorough research can help you choose the best one that suits your needs.
Always look for discounts when you are purchasing insurance in Banger. Most providers give multipolicy, telematics, good driver, and bundling discounts. This can make a huge difference in the premium rates.
Higher deductibles reduce vehicle insurance premiums even though they can reduce your accident claim. First, compare deductible alternatives to discover if a reduced deductible delivers savings, then choose one that meets your budget and comfort level.
Insurance companies will reduce the total amount paid if you can pay your premium in full.
If you are not a frequent driver but a high-risk driver due to infractions, you might want to consider usage-based insurance.
Be Weather Ready
Understanding the city's weather is critical for safe navigation on city streets and saves time. Before traveling, one should constantly check the weather forecast because heavy rains can affect driving conditions. The city is also subjected to severe snow storms.
| Average Annual Rainfall | Average Annual Snowfall | Rainy Days | Sunny Days |
|---|---|---|---|
| 42.7 in | 68.9 in | 122 days | 177 days |
Know the PIP requirements of the state
A minimum of $2,000 in medical payments coverage per person is also needed by law. Additional limitations of $5,000 to $10,000 can be added at a minimal fee.
| Insurance Company |
|---|
| State Farm |
| Farmers |
| USAA |
| State Farm |
| Allstate |
| Frankenmuth Insurance |
| Farmers Insurance |
| Auto-Owners |
| Liberty Mutual |
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
The car insurance rates in the city of Bangor are lower than the national average of $1557 but higher than the state average. It costs $1071 on average to insure your car in Bangor.
Comparing quotes from different providers can help determine the company that provides the cheapest insurance rates in the city. Way.com gives you a head start with our analysis of the best car insurance coverage companies nationally based on financial strength, customer service, protection, and price, all of which might influence your insurance coverage experience.
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