Cheapest car insurance companies in Bangor 

Auto-Owners and Travelers offer the cheapest car insurance rates in Bangor for 2023, according to a study by Insurance.com.

Auto-Owners offers the cheapest car insurance premium for Bangor drivers at an annual rate of $688 a year, on average. 

The cost of car insurance in Bangor varies depending on your ZIP code, driving history, coverage level, and carrier. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.

Here’s a list of insurance companies offering affordable premiums to drivers in Bangor.

CompaniesAverage annual rates
Auto-Owners$688
USAA$744
Travelers$782
Progressive$1,026
State Farm$1,154
Allstate$1,179
Geico$1,214
Frankenmuth Insurance$1,331
MMG Insurance$1,428
Farmers$1,732

Cheapest car insurance cost in Bangor by Age Group 

Auto-Owners is the cheapest option for car insurance in Bangor for teen drivers, with average annual premiums at just $1,713 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.

Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance. 

Auto-Owners provides the cheapest car insurance coverage for young drivers in Bangor, with an annual premium of $1,104 on average.

Drivers in Bangor stepping into their 30s can expect a substantial drop in car insurance costs compared to their younger counterparts. Auto-Owners has the cheapest car insurance rates for a full coverage policy for adult drivers, averaging $716 a year

Bangor senior drivers seeking affordable car insurance should look no further than Auto-Owners. It offers the cheapest car insurance rates for seniors, with an average annual premium of $664. It makes Auto-Owners a good choice for seniors who want to save money without sacrificing coverage. 

CompanyTeensYoung AdultsAdultsSeniors
Auto-Owners$1,713$1,104$716$664
Travelers$2,442$1,298$790$683
USAA$2,523$1,138$773$744
Allstate$3,140$1,907$1,169$1,089
State Farm$3,557$1,997$1,177$1,115
Geico$3,722$1,973$1,213$1,146
Frankenmuth Insurance$3,931$2,703$1,405$1,262
MMG Insurance$4,286$2,708$1,478$1,380
Progressive$5,354$1,939$1,082$1,017
Farmers$9,013$3,988$1,721$1,731

Cheapest car insurance companies in Bangor by driver profile 

Car insurance rates in Bangor vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations

It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Bangor that suits your budget. 

Here are some of the cheapest car insurance companies in Bangor based on driver profile. 

The cheapest car insurance company for a driver with poor credit is Geico. It offers auto insurance for Bangor drivers at about $1,101 per year

Here are car insurance carriers that offer affordable rates for drivers with poor credit scores in Bangor.

CompanyAverage annual rates
Geico$1,101
USAA$1,135
Travelers$1,247
Progressive$1,762
Allstate$2,439
State Farm$2,541
Farmers$2,652

USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Bangor. It provides full coverage car insurance for drivers aged 30 at about $849 per year

Finding the cheapest car insurance isn't a one-size-fits-all scenario. What may be the most cost-effective option for you might not be the same for someone else. That's why you should compare car insurance quotes from multiple carriers.

CompanyAverage annual premium
USAA$849
State Farm$909
Geico$1,041
Travelers$1,198
Progressive$1,373
Allstate$1,797
Farmers$2,815

State Farm is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Bangor is $988. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket. 

CompanyAverage annual rates
State Farm$988
Travelers$1,235
USAA$1,255
Geico$1,416
Progressive$1,833
Allstate$2,387
Farmers$3,264

Among the carriers analyzed, State Farm offers the cheapest auto insurance premiums for drivers with a DUI in Bangor. On average, its annual full coverage rate is $909, making it a significantly cheaper option than other insurance providers.

A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.

CompanyAverage annual rates
State Farm$909
Progressive$1,439
Travelers$1,491
USAA$1,548
Allstate$2,602
Farmers$2,804
Geico$2,919

Average car insurance cost in Bangor 

In Bangor, the average annual cost for full coverage car insurance is around $1,128, which breaks down to approximately $94 per month. These rates are based on coverage levels of 100/300/100. On the other hand, the average yearly rate for state minimum coverage in Bangor is about $339.

Full coverage insurance costs more than the state minimum, but it provides comprehensive coverage for your car and coverage for other driver’s vehicle. To reduce your premium, you might want to compare quotes from various insurance companies.

Average annual RatesState minimum average
$1,128$339

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

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

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

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