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 differ significantly depending on where you live. Factors like population density, accident rates and theft statistics all play a role in determining premiums. As a result, drivers in some ZIP codes pay higher premiums.

Understanding how car insurance rates in Bangor stack up against state and national averages can help you make informed decisions. We’ll walk you through local trends, rate changes and how to save on your premiums.

Cheap car insurance companies in Bangor

Travelers offers the most affordable full coverage car insurance in Bangor, at $885 annually, with coverage limits of $100,000 in bodily injury per person, $300,000 total per accident, and $100,000 for property damage.

Auto-Owners offers the second-lowest rate in Bangor, with an average yearly premium of $1,010.

Car insurance rates vary by company because each insurer uses its own method to assess risk and determine premiums. That’s why it’s smart to compare quotes from different providers to find coverage that fits your needs and budget.

The following table compares average yearly and monthly car insurance costs from different companies 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 carry a minimum amount of liability insurance to legally operate a vehicle, but the specific coverage limits vary by state. Liability insurance is designed to cover injuries or property damage you cause to others in an accident.

However, it’s important to understand that minimum coverage won’t pay for your own medical bills or repairs to your vehicle if you’re at fault. If you want protection for your own car, you’ll need to add collision and comprehensive coverage to your policy.

Average car insurance rates by gender in Bangor

Female drivers in Bangor pay about $1,581 per year for car insurance, while male drivers spend $1,645, which is $64 more than what females pay.

Gender is commonly used to calculate premiums in most states, but some states, including California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania, don’t allow insurers to use gender to calculate premiums.

According to the Insurance Information Institute, or Triple-I, women generally demonstrate safer driving habits and are less likely to be involved in severe accidents. Insurers account for this elevated risk, resulting in increased insurance premiums for male drivers.

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 pay the highest car insurance premiums, at $5,586 per year or $466 per month.

Data from the Insurance Information Institute shows that teens aged 16 to 19 are more likely to be involved in crashes due to inexperience, which leads to higher insurance rates. On average, teen drivers pay $2,628 more annually than young adult drivers.

As teen drivers get older and gain more experience, their car insurance premiums usually decrease. On average, young adults aged 20 to 24 pay $2,958 per year for car insurance – that’s $2,628 less than what teen drivers typically pay.

Adult drivers aged 25 to 55 pay an average of $1,648 per year for car insurance, while seniors aged 60 to 75 pay around $1,538 annually.

Read more on auto insurance for seniors.

Below you’ll find average annual full coverage car insurance rates for drivers of different age groups.

Car insurance rate trends in Bangor

Car insurance rates in Bangor saw an upward trend between 2023 to 2025. During this period, average premiums Increased by 43% – a change of 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.