UPDATED: Jul 23, 2020
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Looking for cheap auto insurance in Bangor, ME? The third-largest city in Maine was once a major player in the timber industry. Now, Bangor is a popular destination for outlet retailers and shopping malls.
We understand that affordable auto insurance can be hard to find. How can you get the best rates on Bangor car insurance? Follow this comprehensive guide to secure the lowest auto insurance rates in Maine.
Compare cheap car insurance in Bangor, ME, by entering your ZIP code into our FREE tool above.
Auto Insurance Rates in Bangor
Bangor, Maine auto insurance companies charge $187.19 per month or $2,246.33 annually for auto insurance. However, there are many factors that impact your auto insurance cost in Bangor.
Companies will determine your rates for auto insurance by age and gender. However, those are not the only demographics that will affect your premiums.
Companies also determine your rates for auto insurance by ZIP code, commute length, credit history, and even your driving record.
To help you secure the best auto insurance rates in Bangor, let’s start thinking like an insurance company.
Does gender & age affect my auto insurance in Bangor?
In Maine, it is legal for companies to determine your auto insurance rates by gender and age. When companies look at the statistics, they see that teenagers and men cause the most accidents year after year.
More accidents mean those demographics are riskier to insure. Therefore, they receive higher than average auto insurance rates.
If you’re a young driver under the age of 25, the unfortunate fact is that you will get charged some of the highest rates available. See what we mean in the table below.
|Age of Driver||Average Auto Insurance Rate|
Once you turn 25, your rates decrease drastically. When you’re 60, you’ll get the cheapest auto insurance quotes in Maine.
The following graph compares monthly rates a 17-year-old pays for auto insurance in Bangor, Maine versus a 34-year-old.
If you’re a teen driver, lower your rates by getting a good student discount or by taking some driver education courses.
You can also keep your driving record clean, which might help get your parents some discounted rates if they bundle you onto a family policy.
Your gender also impacts your auto insurance in Bangor, but less drastically than your age. See what we mean in the table below.
|Gender of Driver||Average Auto Insurance Rate|
Men pay only $16 more per month than women in Bangor. The difference in cost shrinks when age is added into the equation.
Find yourself in the table below, which compares the average rates Bangor residents pay by gender and age.
|Driver Demographics||Average Auto Insurance Rate|
|Married 60-year-old female||$1,507.74|
|Married 60-year-old male||$1,534.52|
|Married 35-year-old female||$1,582.59|
|Married 35-year-old male||$1,594.24|
|Single 25-year-old female||$1,741.24|
|Single 25-year-old male||$2,015.78|
|Single 17-year-old female||$4,790.47|
|Single 17-year-old male||$6,014.99|
As you can see, women aged 60 receive the lowest average auto insurance rates by gender and age monthly. Men of the same age pay under $3 a month more.
While there is still a noticeable cost difference between men and women who are 25, that gap decreases once you turn 35.
Remember, insurance companies weigh these demographics differently. One company may charge men more, another company may care more about your age.
Comparison shopping is the best way to see which company can offer you the best rates.
What ZIP codes have the cheapest auto insurance rates in Bangor?
It’s true that companies determine your rates for auto insurance by ZIP code. To provide you with insurance by ZIP codes, reviews of neighborhood crime rates and population density are performed.
The lowest insurance ZIP codes tend to be less densely populated and have low crime rates. The highest auto insurance rates by ZIP codes are areas with more people and more crime.
In Bangor, there is only one ZIP code, which means what street you live on is not impacting your rates. However, your town still makes a difference.
Take a look at the following graph, which compares average rates folks in Bangor
pay for auto insurance compared to other major Maine cities.
Bangor rates are much lower than Mainers living in Portland and South Portland.
The cheaper rates are likely because the Bangor, Maine, population is just over 30,000 residents, making the city-density much lower than Portland and South Portland.
Which companies have the best auto insurance rates in Bangor?
While it looks like teenagers and men pay the highest auto insurance rates by Bangor standards, auto insurance companies care about other factors than simply your age and gender.
Companies also look at the length of your commute, your credit history, and your driving record when creating your auto insurance quotes.
To receive lower auto insurance rates, you have to prove to insurance companies that you’re a low-risk driver. Keep reading to learn more.
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Cheapest Auto Insurance Rates by Company
Not all commercial companies will be able to offer equally affordable rates in your city. Some companies are just not as active as others in the Bangor region.
See which companies provide the cheapest average rates in the table below.
|Group||USAA||Geico||State Farm||Travelers||Farmers||Allstate||Progressive||Liberty Mutual|
|Married 60-year old female||$894.80||$1,034.69||$1,171.61||$1,015.51||$1,589.20||$1,716.65||$1,845.83||$2,793.63|
|Married 60-year old male||$873.41||$1,034.69||$1,171.61||$1,037.75||$1,695.53||$1,861.57||$1,808.00||$2,793.63|
|Married 35-year old female||$899.68||$1,034.69||$1,235.06||$1,119.71||$1,684.86||$1,909.38||$1,845.83||$2,931.54|
|Married 35-year old male||$885.50||$1,071.48||$1,235.06||$1,157.37||$1,699.92||$1,965.03||$1,808.00||$2,931.54|
|Single 25-year old female||$1,143.14||$1,128.65||$1,383.66||$1,107.11||$2,004.58||$2,076.30||$2,154.97||$2,931.54|
|Single 25-year old male||$1,197.45||$1,203.99||$1,511.00||$1,269.70||$2,071.37||$2,321.56||$2,440.39||$4,110.79|
|Single 17-year old female||$2,965.76||$2,538.56||$4,005.74||$4,535.87||$5,594.02||$4,827.33||$7,678.17||$6,178.29|
|Single 17-year old male||$3,270.69||$3,299.29||$5,004.21||$6,130.13||$6,110.41||$6,452.59||$8,628.22||$9,224.35|
USAA provides very competitive rates for most demographics; however, only retired or active military personnel and their families qualify to use its services.
Fortunately for civilians, Geico’s rates are equally as competitive, especially for teenage drivers. If you’re 35 and are worried about gender impacting your rates, look into State Farm.
The following table compares monthly rates from auto insurance agencies in Bangor, Maine.
Liberty Mutual cannot compete with other auto insurance companies in Bangor, Maine. Progressive and Allstate insurance rates are also much higher than average, regardless of your specific demographics.
Unless you’re able to bundle multiple types of insurance, like Allstate life insurance with home and auto insurance, it’s best to avoid those companies altogether.
Best Auto Insurance for Commute Rates
When commuting for your job in Bangor, Maine, you may not realize the length of your drive could raise your auto insurance rates.
The national average commute length is around 25 minutes. According to Data USA, Bangor drivers average only 15 minutes.
Bangor residents are lucky when it comes to commuting. A drive to work that takes more than 20 minutes is pretty rare.
Shorter commute times mean less rush hour traffic congestion, which leads to lower overall rates.
What if you’re one of the few Bangor residents who drive 30 minutes or more to work? Check out the table below to see how that could impact your auto insurance rates.
|Companies||Average Rates for a|
10 Miles Commute
6,000 Annual Mileage
|Average Rates for a|
25 Miles Commute
12,000 Annual Mileage
|Average Annual Rates|
Looking at the companies with the most competitive rates, a longer commute will cost you around $200 more annually in auto insurance costs.
Rates from Travelers do not change based on the length of your drive, which makes them a good company to look into if you drive more than the average Bangor resident for work.
Best Auto Insurance for Coverage Level Rates
The state of Maine has relatively comprehensive auto insurance minimums and even requires residents to purchase uninsured motorist coverage.
However, all Mainers know the biggest threat to their vehicles is the snow.
When it comes to winter weather, Bangor, Maine, residents are prepared for even the worst snowstorms.
Ask any resident and they’ll be able to give you winter storm and blizzard preparation tips, like how to properly prep your car and what snow tires are worth the cost.
Investing in more comprehensive coverage is another great way to protect yourself from unpredictable winter-related collisions.
How much will extra coverage cost you? Find out in the table below.
|Companies||Average Rates for Low Coverage||Average Rates for Medium Coverage||Average Rates for High Coverage||Average Annual Rates|
Good news, Bangor residents. Extra coverage is very affordable in your city. The difference in costs between low to high coverage from most companies is less than $100 annually.
The following graph shows monthly rates for basic coverage versus more comprehensive coverage in the city of Bangor.
Living in a city like Bangor, with low rates of accidents and auto theft, means you probably won’t be making any comprehensive or collision claims any time soon.
Consider raising your deductible to maintain higher coverage and lower your monthly rate at the same time.
Best Auto Insurance for Credit History Rates
Your credit score impacts your overall auto insurance in Maine. A poor credit score will make things more expensive at first. See what we mean in the table below.
|Companies||Average Rates with Good Credit||Average Rates with Fair Credit||Average Rates with Poor Credit||Average Annual Rates|
Poor credit might mean you pay upwards of $1,000 more per year for auto insurance in Bangor. If you’re not eligible for USAA and have less than perfect credit, Geico and Travelers both offer decent rates.
See more details about how credit scores impact your monthly auto insurance rates in the following graph.
If you have bad credit, know that it doesn’t have to last forever. Paying off your automotive insurance bill on time will contribute to raising your credit score.
Best Auto Insurance for Driving Record Rates
Insurance prices are calculated around risk. The riskier you are, the more likely you’ll file claims with your insurance company, and the less profit they’ll make off of doing business with you.
Having lots of violations on your record, even if none of them resulted in an accident or a claim, will make your insurance rates go up. See what we mean in the table below.
|Companies||Average Rates with a Clean Record||Average Rates with 1 Accident||Average Rates with 1 DUI||Average Rates with 1 Speeding Violation||Average Annual Rates|
Just one speeding violation can increase your rates by over $100 a year unless you use Geico.
More serious infractions, like a DUI, increase rates by a full $1,000.
See more details about how your driving record impacts your monthly insurance rates in the following graph.
Better safe than sorry has two meanings in the auto insurance world. Practicing safe driving protects you and other drivers on the road, and it also saves you money.
Safe drivers not only receive better average rates, but they also can qualify for insurance discounts.
What affects auto insurance rates in Bangor?
We’ve talked about some of the factors that affect auto insurance, but that’s just the tip of the iceberg.
Understanding how auto insurance rating tiers impact your rates can help you get cheap auto insurance. If you prove to a company that you are a low-risk driver, you’ll pay less because you cost the company less to insure.
If you prove to be a high-risk driver, meaning you have a rocky driving record and are more likely to file claims, then you’ll receive higher auto insurance quotes.
How are auto insurance premiums calculated beyond your age, credit history, and driving record? Companies also care about road conditions, traffic congestion, and crime rates in the city where you live.
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Road conditions heavily impact the rates you pay for auto insurance. Poorly structured roads and bridges are dangerous for drivers and can increase the rate of accidents.
The more accidents in a region, the higher-than-average auto insurance costs.
Fortunately, Bangor’s roads are in decent condition and the city has a low rate of deadly accidents. See how many fatal car accidents happened in Bangor in the graph below.
Bangor’s better-than-average road infrastructure and low automobile accident rates mean insurance companies in your area are already charging lower premiums than they do in other cities.
Vehicle Theft in Bangor
Living in a large city 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 following table shows Bangor crime rates from 2017 with data from the FBI.
|Type of Crime||Total|
|Murder and nonnegligent manslaughter||1|
For a city of its size, Bangor is relatively safe. The rate of vehicle thefts is much lower than the national average, which helps lower
overall auto insurance costs.
Traffic Congestion in Maine
In most cities, rush hour is one of the causes of traffic jams. However, Bangor appears to be an exception. The city is located two hours north of Portland, where most of Maine’s traffic issues exist, leaving Bangor unaffected.
According to Intrix, Bangor drivers only lost seven hours to traffic congestion in 2019, which is very minor for city driving.
There just aren’t many traffic problems in Bangor, which helps keep auto insurance rates low.
While you may occasionally feel the effects of traffic congestion, usually it’s only minor bumper-to-bumper traffic that clears up naturally.
Other causes of traffic jams in Bangor include snowstorms. The entire state of Maine lowers highway speeds to 45 mph or less in inclement weather.
Fortunately, Maine’s Department of Transportation prioritizes cleaning up icy roads and maintaining road conditions. News Center Maine covers the story in more detail in their video below.
The Maine Department of Transportation’s dedication to road safety helps keep Maine’s fatal accidents to a minimum, which also keeps auto insurance rates low.
Wondering how to reduce traffic-related issues in your city? Keep an eye on the weather, and try to drive during less busy times of the day.
Allstate America’s Best Drivers Report
Just like it sounds, Allstate America’s Best Drivers Report ranks the 200-largest American cites based on how safe their drivers are.
Unfortunately, no city from Maine has ever been considered for the list.
Auto Insurance Rates by Car Model
The type of car you drive will impact what you pay for Bangor auto insurance.
If you’re insuring a luxury vehicle, companies will charge you higher rates simply because fixing that car model costs more money than fixing an economy vehicle.
The following graph compares monthly auto insurance rates for a luxury vehicle versus a basic sedan.
People who drive luxury vehicles also often purchase more comprehensive coverage for their vehicle, which increases premiums.
If your goal is to secure cheap auto insurance in Bangor, Maine, then a luxury vehicle is not that right choice for you. Enter your zip code below to view companies that have cheap auto insurance rates. Secured with SHA-256 Encryption
Enter your zip code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions: Bangor, ME Auto Insurance
You’ve now learned how to secure the cheapest Bangor auto insurance possible. Refer back to this guide while you comparison shop. Did we miss something? Check out our frequently asked questions below.
Where is Bangor, Maine?
Bangor, Maine, is located in the center of the state of Maine. It is in Penobscot County.
Things to do in Bangor, Maine?
Popular things to do in Bangor include hiking, shopping, and visiting the ocean.
Can I get Bangor University auto insurance?
Bangor University is a college located in Wales, not the United States. They do have a Bangor Uni auto insurance page on their website.
The university is in no way affiliated with the city of Bangor in Maine.
What is Bangor, County Down?
County Down, also known as Co Down, is a county located in northern Ireland. There is another city called Bangor located there, but it is not affiliated with Bangor, Maine.
Our guide is focused on Bangor, Maine, and will not help you find auto insurance in Bangor, Co Down.
Is there a DMV in Bangor, Maine?
Yes, there is a DMV located within the city of Bangor, Maine.
Is there an Allstate agent in Bangor Maine?
Yes, the company has two Allstate Bangor, Maine, agents.
Ready to compare cheap Bangor car insurance rates? Enter your ZIP code into our FREE tool below to get started.