Get free quote in-app


Our Insurance Partners


Key Takeaways

  • Bangor has average car insurance rates lower than the national average.
  • USAA and Travelers offer the cheapest car insurance quotes in Bangor.
  • Drivers with DUI charges on their record pay higher premium rates in the city.


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. 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.

How much does car insurance cost in Bangor, Maine?

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

Auto Insurance Requirements in Bangor, Maine

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.

  • $50,000 per person for bodily injury per person ($100,000 per accident)
  • $50,000 uninsured/underinsured motorist liability coverage ($100,000 per accident)
  • $25,000 of property damage liability coverage per accident
  • $2000 medical payments

See what you could save on auto insurance

Bangor Auto Insurance Premiums by Company

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. 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

Bangor Auto Insurance Premiums by Age Group

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.

Age Bracket Average Yearly Rate
Teenagers $3956
20s $1980
30s $1105
40s $1105
50s $1105
60s $1018

Bangor Auto Insurance Premiums by Gender

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

Bangor Auto Insurance Premiums by Driving Record

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

Bangor Auto Insurance Premiums by Credit Rating

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

What would increase your car insurance rates in Bangor, Maine?

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

See what you could save on auto insurance

How to save on auto insurance in Bangor, Maine

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.

  • Compare and Purchase

Since most insurance providers now provide their quotes online, thorough research can help you choose the best one that suits your needs.

  • Look for Discounts

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.

  • Increase your deductible

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.

  • Pay your premium in full

Insurance companies will reduce the total amount paid if you can pay your premium in full.

  • Consider usage-based car insurance

If you are not a frequent driver but a high-risk driver due to infractions, you might want to consider usage-based insurance.

Tips for Driving in Bangor

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.

Best Car Insurance Companies in Bangor

Insurance Company
State Farm
State Farm
Frankenmuth Insurance
Farmers Insurance
Liberty Mutual

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’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

Frequently Asked Questions

How much is full coverage insurance in Bangor?

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.

How to find cheap car insurance in Bangor?

Comparing quotes from different providers can help determine the company that provides the cheapest insurance rates in the city. 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.

Learn more by city and state for car insurance

Learn more by city and state for car insurance

Digital Insurance Card

Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.

Get reminders & quotes

Receive reminders before your renewal. will also send new quotes from up to 45 insurance companies with your renewal reminder.

Share with family

Keep everyone on your policy up to date by sharing your insurance information.

Manage your policy

Make changes to your policy right from the app (coming soon) and ask for expert advice.

Get the App:

Find the best Auto insurance rates on-the-go

For the best user experience, please download our Way app.

Please Enter A Valid Mobile Number!
Text Sent, Please download!