Average car insurance cost in Bangor, Maine

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According to our data, the average annual cost of car insurance in Bangor is $1,613 – $88 less than the Maine average cost and $900 less than when compared to the national average.

Insurance rates can vary significantly depending on where you live. Factors such as population density and accident and theft rates influence premium costs, making some areas more expensive or affordable than others.

Understanding how rates in Bangor compare to state and national averages can help you spot a good deal, or know when it’s time to shop around. Below, we’ll break down local trends, show how rates vary, and explain how to save.

Cheap car insurance companies in Bangor

Travelers provides the lowest full coverage car insurance rate in Bangor, with an annual premium of $885 for the liability limits of $100,000 per person, $300,000 per accident and $100,000 for property damage.

Auto-Owners also offers cheap full coverage car insurance rates at an average annual cost of $1,010.

Every insurance company calculates premiums differently based on its unique underwriting guidelines. This means prices can vary widely, so getting quotes from multiple insurers is one of the best ways to find affordable coverage tailored to you.

Below is a breakdown of average yearly and monthly car insurance rates from different insurers in Bangor.

Read about the best car insurance companies.

Average car insurance cost in Bangor by coverage limits

Here’s a breakdown of average car insurance rates in Bangor by coverage type.

• State minimum coverage: $384 per year (limits are $25,000 bodily injury liability per person, $50,000 total bodily injury liability per accident and $25,000 property damage liability per accident).
• Liability only coverage: $391 per year (limits are $50,000 bodily injury liability per person, $100,000 total bodily injury liability per accident and $50,000 property damage liability per accident).
• Full coverage: $1,613 per year (limits are $100,000 bodily injury liability per person, $300,000 total bodily injury liability per accident and $100,000 property damage liability per accident).
• Non-owners coverage: $192 per year

Most states require drivers to purchase minimum liability insurance to drive legally, but the minimum required limits vary. This coverage helps pay for injuries or damage you cause to others in an accident.

However, a liability-only policy won’t cover damage to your car or medical expenses if you’re at fault. You’ll need to add collision and comprehensive coverage to your policy to protect your car.

Average car insurance rates by gender in Bangor

In Bangor, the average annual car insurance cost for female drivers is $1,581. Male drivers, on the other hand, pay $1,645 per year – that’s $64 more than what female drivers pay. While most states allow insurers to use gender when setting rates, there are states, including California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania that prohibit the use of gender as a rating factor.

According to the Insurance Information Institute, or Triple-I, women tend to drive more cautiously and are involved in fewer serious accidents than men. Insurers factor this into their premium calculations, which is why men often pay more for car insurance.

Read more on how gender affects car insurance rates.

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Average car insurance rates by age in Bangor

Teen drivers in Bangor face the highest car insurance rates, at $5,586 per year or $466 per month. According to the Insurance Information Institute, insurance costs are higher for teens aged 16 to 19 due to their increased risk of accidents and limited driving experience. On average, teen drivers pay $2,628 more for car insurance than young adults.

Car insurance premiums typically drop as teens age and gain more experience behind the wheel. On average, young adults (ages 20 to 24) pay $2,958 annually for coverage – that’s $2,628 less than what teens usually pay.

Adults between 25 and 55 and senior drivers between 60 and 75 in Bangor pay an average of $1,648 and $1,538 per year for car insurance, respectively.

Read more on auto insurance for seniors.

The table below shows the average annual full coverage car insurance rates for drivers of different age groups.

Car insurance rate trends in Bangor

Car insurance premiums in Bangor showed an upward trend between 2023 to 2025, with average rates changing by 43% or about $485.

The graph below tracks insurance costs from 2022 to 2025, highlighting long-term trends that help explain today’s rate changes.

How drivers can save on insurance even with higher rates

Car insurance rates in Bangor are lower than the Maine state average. Drivers can get affordable insurance rates by shopping around and comparing quotes from at least three to five insurance companies. You should also look for available discounts, such as a safe driver discount, low mileage and bundling discounts.

Methodology

Insure.com commissioned car insurance rates in 2025 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your rates may vary.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.