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Cheap Car Insurance in Bangor, ME

In the market for cheap auto insurance in Bangor, Maine? At, you could find the cheapest insurance rates near you. To find free car insurance quotes from the best providers today, type your zip code into the quote box on this page.

Bangor is known as the “Queen City of Maine” and is also the third largest city within the state. Bangor has an impressive level of culture, commercial, and financial business operating within its borders and is the economic powerhouse of the north and eastern regions of Maine. Once a major player in the timber industry, Bangor is now a popular destination for outlet retailers and shopping malls.

  • Fun fact: Did you know that Bangor was recently rated #1 “best North American metropolitan area with a population of less than 100,000 people” by Macmillan’s Places Rated Almanac?

Auto Insurance Coverage Requirements in Maine

Driving legally in Bangor requires:

Coverage Requirements Most Common
Bodily Injury Liability 50,000/100,000 100,000/300,000
Property Damage Liability 25,000 50,000
Uninsured Motorist Bodily Injury 50,000/100,000 100,000/300,000
Medical Payments 1,000 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

The rumors are true; Maine’s minimum legal requirements are higher and more extensive than in other states. But think about what that extra coverage is protecting you from: if you get hit by an uninsured motorist, or have medical bills you can’t pay, your insurance company will be there to help.

Average monthly rates for Maine are as little as $80/moth for most drivers. This is already delightfully cheap, but it can get even better in Bangor – you can pay as little as $32/mo* if you know how to look for the best deal.

Average Monthly Auto Insurance Premiums Legend: Bangor Liberty Mutual Concord State Farm Vermont Mutual Allstate 5 10 15 20 25 30 35 $24 $21 $26 $31 $38


Between Concord, Liberty Mutual, and State Farm, it’ll be hard to find companies offering lower monthly premiums in your town. But is the absolute lowest rate always the best deal? Or is it worth it to pay a little extra if you get good customer service in return?

Auto insurance companies consider several factors when determining insurance quotes, including gender, driving violations, occupation, how far you commute to work each day, and multiple cars and drivers. Also keep in mind that premiums vary from company to company. To find out whether you’re still receiving the most affordable rate, compare cheap Bangor auto insurance quotes online.

Major Car Insurance Factors in Bangor

There are a number of items which might factor into the rate quotes you are offered. Even though a portion of these details aren’t really something you can do much about, some of them are elements which you can change for the better. Here are a few things which can change your car insurance premium:

Your Zip Code

The cheapest car insurance is normally found in cities with a lower population density. Because there are fewer cars on the road, there are fewer possibilities for you to get into a major car accident with another driver. The population of Bangor is 32,673 and the median household income is $34,998.

Auto Insurance by Zip Code Legend: Portland South Portland Auburn Bangor Lewiston Liberty Mutual Concord State Farm Vermont Mutual Allstate 5 10 15 20 25 30 35 $24 $22 $25 $24 $25 $29 $29 $23 $21 $23 $30 $30 $25 $26 $25 $31 $31 $30 $31 $30 $38 $38 $38 $38 $38


Automotive Accidents

A low rate of deadly accidents in your area is a good thing, and not just for the obvious reasons. It’s also good because that means that automotive insurance companies in your area are already charging lower premiums than they would in other cities.

Fatal Accidents in Bangor, ME Legend: Bangor Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 1 1 1 1 1


Auto Thefts in Bangor

Living in a large city (Especially one with a high crime rate) will increase your risk of being a victim of auto theft. If your general location has high rates of theft and claims, you can expect to pay more for auto insurance to offset these costs. The total number of stolen vehicles in Bangor was only 37 back in 2013. This might actually help save you money on your comprehensive insurance – we’ll discuss it further in the “deductibles” section.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Liberty Mutual Concord State Farm Vermont Mutual Allstate 10 20 30 40 50 60 70 80 90