Best Bangor, Maine Auto Insurance in 2026 (Find the Top 10 Companies Here)

USAA stands out for its exceptional benefits tailored to military families, while Geico impresses with its user-friendly tools and broad discount options.

Our Top 10 Company Picks: Best Bangor, Maine Auto Insurance

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	21%	B	Claims Service	State Farm
	#2	14%	A++	Add-on Coverages	USAA
	#3	20%	A++	Affordable Rates	Geico
	#4	12%	A+	Snapshot® Savings	Progressive
	#5	18%	A+	Weather Coverage	Allstate
	#6	22%	A	Local Agents	Farmers
	#7	19%	A	Military Benefits	American Family
	#8	23%	A+	Bundling Policies	Nationwide
	#9	15%	A++	Local Support	Travelers
	#10	24%	A	SmartRide® Savings	Liberty Mutual

Discover why these providers lead the field in affordability and comprehensive coverage. For further details, see our guide titled, “Collision vs. Comprehensive Auto Insurance Explained.”

Ready to find cheaper auto insurance coverage? Enter your ZIP code above to begin.

#1 – State Farm: Top Overall Pick

Pros

• Policy Bundling Discount: State Farm offers a 21% discount in Bangor, Maine, for bundling policies, reducing costs and simplifying insurance management with one provider.
• Claims Efficiency: With a B rating from A.M. Best, State Farm provides reliable claims support in Bangor, Maine, ensuring a smooth process for policyholders.
• Coverage Range: State Farm offers auto and homeowners coverage in Bangor, Maine. Find insurance savings in our guide, “State Farm Auto Insurance Review.”

Cons

• Discount Limits: State Farm’s 21% bundling discount in Bangor, Maine, is competitive but may fall short of offers from other insurers, impacting cost savings.
• Higher Premiums: Despite discounts, State Farm’s premiums in Bangor, Maine, could be higher than some competitors, affecting affordability for budget-conscious consumers.

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#2 – USAA: Best for Add-on Coverages

Pros

• Extensive Add-ons: USAA offers a wide range of optional coverages in Bangor, Maine, allowing policyholders to customize their insurance to fit specific needs.
• Superior Financial Strength: With an A++ rating from A.M. Best, USAA provides financial solid stability, ensuring reliable claims handling for Bangor residents.
• Bundling Opportunities:  USAA’s 14% bundling discount in Bangor, Maine, helps save. Learn more in our guide, “USAA Auto Insurance Review.”

Cons

• Eligibility Limitations: USAA is only available to military members, veterans, and their families, restricting access for the general public in Bangor, Maine.
• Premium Considerations: While USAA offers various coverages, premiums in Bangor, Maine, may be higher, especially for certain add-ons, which could impact affordability.

#3 – Geico: Best for Affordable Rates

Pros

• Cost-Effective Pricing: Geico is well-regarded in Bangor, Maine, for its exceptionally budget-friendly rates, making it an appealing choice for individuals seeking economical insurance solutions.
• Policy Bundling Savings:  Geico offers 20% off for bundling in Bangor, Maine. Find detailed insights in our guide titled “Best Geico Auto Insurance Discounts.”
• High-Rated Financial Stability: Geico’s A++ rating from A.M. Best highlights its financial solid stability, assuring Bangor, Maine, residents of a reliable insurer capable of fulfilling its commitments.

Cons

• Service Quality Variability: Geico provides competitive rates, but customer service in Bangor, Maine, may lack the personalized touch of some other insurers.
• Coverage Scope: Geico’s focus on affordability might result in more basic coverage options in Bangor, Maine.

#4 – Progressive: Best for Snapshot Savings

Pros

• Snapshot Discount Program: Progressive’s innovative Snapshot program provides significant savings opportunities for cautious drivers in Bangor, Maine.
• Policy Bundling Opportunities: With a 12% discount available for bundling multiple insurance policies, Progressive offers valuable savings in Bangor, Maine.
• Strong Financial Rating: Progressive holds an A+ rating from A.M. Best, indicating robust financial stability and reliability. Dive into our article called, “Best Progressive Auto Insurance Discounts.”

Cons

• Discount Comparisons: The 12% bundling discount provided by Progressive in Bangor, Maine might be less competitive compared to the discounts offered by some other insurers.
• Coverage Specificity: Progressive’s Snapshot discount program and savings are notable, but its coverage options in Bangor, Maine may not be as extensive or specialized as those from other insurers.

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#5 – Allstate: Best for Weather Coverage

Pros

• Superior Weather Coverage: Allstate offers excellent weather protection in Bangor, Maine, covering damage from storms, floods, and other events.
• Bundling Discounts: An 18% discount for bundling policies provides significant savings and simplifies managing multiple coverages.
• Robust Financial Stability:  Allstate’s A+ A.M. Best rating ensures reliable coverage for Bangor. Uncover details in our guide titled “Allstate Auto Insurance Review.”

Cons

• Premium Costs: Despite generous bundling discounts, Allstate’s premiums in Bangor, Maine, might still be higher than some competitors, leading to increased costs for those with specific coverage needs.
• Service Quality: Customers in Bangor, Maine, might experience inconsistencies in service quality, affecting overall satisfaction and perceived value of Allstate’s coverage.

#6 – Farmers: Best for Local Agents

Pros

• Personalized Service: Farmers’ local Bangor agents offer personalized service and custom insurance. Find more details in our guide titled, “Farmers Auto Insurance Review.”
• Bundling Savings: Save 22% by bundling policies with Farmers in Bangor. Consolidate your coverage for big savings.
• Financial Stability: Farmers, rated A by A.M. Best, offers reliable claims handling and financial stability in Bangor.

Cons

• Discount Limitations: While the bundling discount is notable, it may not be as competitive as discounts offered by other insurance providers in Bangor, Maine, potentially impacting overall cost savings.
• Premium Rates: Farmers’ premiums may be higher for certain coverage levels, even with bundling discounts, potentially impacting cost-efficiency for some Bangor, Maine customers.

#7 – American Family: Best for Military Benefits

Pros

• Military Benefits: American Family provides tailored insurance benefits and savings for military families in Bangor, Maine.
• A.M. Best Rating: An A rating from A.M. Best highlights the American Family’s financial stability, offering reliable coverage for Bangor, Maine policyholders.
• Discount Opportunities: Military personnel in Bangor, Maine can access discounts, adding value to their insurance. For more details, check our guide titled “American Family Auto Insurance Review.”

Cons

• Eligibility Restrictions: Military benefits are exclusive to military families, limiting discount opportunities for non-military residents in Bangor, Maine, and excluding a wider customer base.
• Coverage Scope: Some insurance coverage options might be less extensive compared to competitors, which could impact the adequacy of protection for certain needs in Bangor, Maine.

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#8 – Nationwide: Best for Bundling Policies

Pros

• Bundling Discounts: Nationwide offers a 23% discount for bundling policies in Bangor, Maine, helping policyholders save. For details, see our guide, “Nationwide Auto Insurance Review.”
• Coverage Options: Nationwide provides a wide range of coverage options in Bangor, Maine, allowing customers to tailor their insurance to their needs.
• Financial Strength: With an A+ rating from A.M. Best, Nationwide ensures strong financial stability and reliable service for Bangor, Maine residents.

Cons

• Discount Limitations: While the 23% bundling discount is appealing, it may not be as extensive as those offered by some of Nationwide’s competitors in Bangor, Maine, potentially limiting overall savings.
• Premium Rates: Regardless of attractive bundling discounts, Nationwide’s premiums may be higher for some coverage levels, affecting cost-effectiveness for customers in Bangor, Maine.

#9 – Travelers: Best for Local Support

Pros

• Local Support Excellence: Travelers provides excellent local support in Bangor, Maine. For more details, see our guide, “Travelers Auto Insurance Review.”
• A++ Rating: Travelers’ A++ rating from A.M. Best highlights its excellent financial stability, ensuring efficient claim handling and reliable coverage for Bangor, Maine policyholders.
• Discount Opportunities: Travelers offers various discounts tailored to Bangor, Maine residents, such as those for multi-policy bundling or safety features, enhancing the value of their insurance products.

Cons

• Discount Variability: Travelers’ discounts can vary based on individual circumstances and policy details, which may result in less predictable savings for some Bangor, Maine customers.
• Premium Costs: Even with strong local support, Travelers’ premium rates might be higher compared to those of some competitors, which could affect affordability for some Bangor, Maine residents.

#10 – Liberty Mutual: Best for SmartRide Savings

Pros

• SmartRide Savings: Liberty Mutual’s SmartRide program offers up to 24% savings for low-mileage drivers in Bangor, Maine, rewarding safe driving and reduced usage.
• Local Agent Accessibility: Bangor, Maine, residents benefit from personalized support and tailored policies through Liberty Mutual’s local agents.
• Financial Reliability: An A rating from A.M. Best shows Liberty Mutual’s strong financial stability in Bangor, Maine. Learn more in our guide titled, “Liberty Mutual Auto Insurance Review.”

Cons

• Program Participation Limits: SmartRide benefits depend on meeting specific criteria, which may not be achievable for all drivers in Bangor, Maine.
• Competitive Disadvantages: Despite significant savings, Liberty Mutual’s discounts may not always be as competitive as other insurers in Bangor, Maine.

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Monthly Auto Insurance Rates for Bangor, Maine: Coverage Comparison

In Bangor, Maine, auto insurance rates vary significantly depending on the provider and the coverage level selected. Read our guide titled, “Where to Compare Auto Insurance Rates” for more information

Bangor, Maine Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$38	$105
	$37	$100
	$40	$110
	$30	$80
	$39	$108
	$34	$92
	$33	$88
	$35	$90
	$36	$95
	$32	$85

For minimum coverage, Geico offers the lowest monthly rate at $30, making it the most affordable option among providers. For full coverage, Geico also leads with a rate of $80, highlighting its competitive pricing.

Other notable mentions include State Farm, with a minimum coverage rate of $35 and full coverage at $90, and USAA, which provides a balanced rate of $32 for minimum coverage and $85 for full coverage.

Auto Insurance Discounts From the Top Providers for Bangor, Maine

Insurance Company	Available Discounts
	Safe driver, Bundling, Early signing
	KnowYourDrive®, Bundling, Loyalty
	Signal® program, Multi-policy, Claim-free
	Good driver, Multi-vehicle, Defensive driving
	Multi-policy, New car, Anti-theft
	SmartRide®, Multi-policy, Accident-free
	Snapshot®, Multi-policy, Paperless billing
	Drive Safe & Save™, Multi-policy
	IntelliDrive®, Multi-policy, Hybrid vehicle
	Military, Safe driver, Loyalty

These rates offer a range of options to meet different coverage needs and budgets.

Top Auto Insurance in Bangor, Maine Based on Age, Gender, and Marital Status

Auto insurance rates in Bangor, Maine are affected by age, gender, and marital status. See how demographics impact the monthly cost of insurance. Obtain detailed insights by reading our guide titled, “How Vehicle Year Affects Auto Insurance Rates.”

Bangor, Maine Full Coverage Auto Insurance Monthly Rates by Provider, Age, & Gender

Insurance Company	Age: 17 Female	Age: 17 Male	Age: 25 Female	Age: 25 Male	Age: 35 Female	Age: 35 Male	Age: 60 Female	Age: 60 Male
	$260	$320	$190	$200	$160	$170	$148	$152
	$255	$322	$185	$195	$155	$165	$143	$147
	$400	$415	$300	$310	$250	$260	$238	$242
	$140	$175	$105	$115	$95	$100	$88	$92
	$380	$530	$280	$330	$240	$290	$228	$232
	$265	$315	$180	$190	$150	$160	$138	$142
	$660	$680	$480	$500	$400	$410	$388	$392
	$215	$250	$160	$170	$140	$150	$128	$132
	$310	$385	$230	$250	$200	$210	$188	$192
	$150	$150	$110	$120	$100	$105	$93	$97
U.S. Average	$500	$540	$350	$360	$300	$310	$288	$292

Understanding these demographic-specific rates can help residents of Bangor, Maine make informed decisions when choosing their auto insurance provider. Review these figures to find the most cost-effective coverage for your profile.

Best Auto Insurance Options in Bangor, Maine for Teen Drivers

Securing affordable auto insurance for teen drivers in Bangor, Maine can be particularly challenging. This overview highlights the monthly rates for both 17- and 18-year-olds across various insurance providers.

Bangor, Maine Full Coverage Teen Auto Insurance Monthly Rates by Provider & Gender

Insurance Company	Age: 17 Female	Age: 17 Male	Age: 18 Female	Age: 18 Male
	$260	$320	$240	$295
	$255	$322	$235	$298
	$400	$415	$370	$385
	$140	$175	$130	$162
	$380	$530	$350	$490
	$265	$315	$245	$290
	$660	$680	$610	$630
	$215	$250	$200	$230
	$310	$385	$285	$355
	$150	$150	$138	$138
U.S. Average	$566	$618	$416	$501

Among the options, USAA and Geico offer the most competitive rates for teen drivers, with USAA providing the lowest prices overall. These rates provide valuable insights for families seeking budget-friendly insurance solutions for young drivers in Bangor.

Optimal Auto Insurance for Seniors in Bangor, Maine

In Bangor, Maine, full coverage auto insurance rates for senior drivers vary widely among providers. This table highlights the monthly premiums for married 60-year-old males and females across different insurance companies.

Bangor, Maine Full Coverage Senior Auto Insurance Monthly Rates by Provider & Gender

Insurance Company	Age: 60 Female	Age: 60 Male
	$148	$152
	$143	$147
	$238	$242
	$88	$92
	$228	$232
	$138	$142
	$388	$392
	$128	$132
	$188	$192
	$93	$97
U.S. Average	$288	$292

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Geico and USAA offer the most affordable full coverage options for senior drivers, significantly below the U.S. average. In contrast, Progressive’s rates are the highest, reflecting the wide range of costs available in the market.

Premier Auto Insurance in Bangor, Maine According to Driving Record

Driving record has a big impact on your auto insurance rates. See the monthly auto insurance rates for a bad record in Bangor, Maine compared to the monthly auto insurance rates with a clean record in Bangor, Maine.

Bangor, Maine Full Coverage Auto Insurance Monthly Rates by Provider & Driving Record

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$110	$123	$145	$151
	$86	$100	$129	$141
	$119	$151	$165	$136
	$39	$39	$66	$115
	$122	$141	$160	$327
	$89	$106	$124	$181
	$96	$130	$201	$116
	$61	$66	$72	$66
	$63	$86	$74	$97
	$39	$43	$53	$75
U.S. Average	$119	$147	$173	$209

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Overall, insurers like Geico and USAA offer the most competitive rates for both clean and impaired records, while companies such as Liberty Mutual and Progressive show higher rates for drivers with violations.

Maintaining a clean driving record is crucial in keeping insurance premiums affordable, as this comparison highlights the significant impact that driving history has on overall costs; safer drivers are often rewarded with lower rates, making careful and responsible driving a key strategy for reducing insurance expenses over time.

This overview details the auto accident and insurance claim statistics for Bangor, Maine. It covers essential factors such as annual accident totals, claim volumes, average costs per claim, and the prevalence of uninsured drivers, painting a picture of the area’s driving conditions.

Bangor, Maine Auto Accident & Insurance Claim Statistics

Factor	Value
Accidents per Year	300
Claims per Year	250
Average Claim Cost	$5,000
Percentage of Uninsured Drivers	8%
Vehicle Theft Rate	50 thefts/year
Traffic Density	Low
Weather-Related Incidents	Moderate

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Bangor, Maine, sees a low frequency of auto accidents and insurance claims compared to many other regions, with only a small portion of drivers uninsured. Nonetheless, the presence of vehicle theft and moderate weather-related incidents underscores the importance of maintaining sufficient insurance coverage for protection against potential losses.

Best Auto Insurance Rates in Bangor, Maine Following a DUI

Finding Best auto insurance after a DUI in Bangor, Maine is not easy. Compare the monthly rates for DUI auto insurance in Bangor, Maine to find the best deal.

State Farm and Geico offer the most competitive rates for drivers with a DUI in Bangor, Maine, while Liberty Mutual’s rates are significantly higher. By comparing these rates, you can better navigate the options available for affordable coverage.

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Top Auto Insurance in Bangor, Maine Based on Credit History

Credit history can have a major effect on the cost of auto insurance. See how Bangor, Maine monthly auto insurance rates by credit history compare.

Bangor, Maine Full Coverage Auto Insurance by Provider & Credit Score

Insurance Company	Good Credit	Fair Credit	Bad Credit
	$112	$152	$192
	$107	$147	$187
	$122	$162	$202
	$97	$137	$177
	$132	$172	$212
	$102	$142	$182
	$117	$157	$197
	$112	$152	$192
	$127	$167	$207
	$92	$132	$172
U.S. Average	$110	$150	$190

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Comparing full coverage rates by credit score reveals that those with good credit can benefit from substantially lower premiums. Explore insurance savings in our full guide titled, “Full Coverage Auto Insurance Defined.”

Selecting the right insurance provider based on your credit history can result in substantial savings on auto insurance in Bangor, Maine, as insurers often use credit scores to determine premium rates; thus, individuals with better credit profiles are more likely to receive lower costs, making it essential to compare options that align with your financial background for optimal savings.

Leading Auto Insurance Rates in Bangor, Maine by ZIP Code

Auto insurance rates by ZIP code in Bangor, Maine can vary. Compare the monthly cost of auto insurance by ZIP code in Bangor, Maine to see how auto insurance rates are affected by location.

Bangor, Maine Minimum Coverage Auto Insurance Monthly Rates by ZIP Code

ZIP Code	Monthly Rates
04401	$187
04402	$193

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Understanding ZIP code-specific rates helps identify cost variations across Bangor, allowing for better-informed insurance decisions.

Best Auto Insurance Rates in Bangor, Maine Based on Commute

Commute length and annual mileage affect Bangor, Maine auto insurance. Find the monthly Bangor, Maine auto insurance by commute length. Learn more about the offerings in our guide titled, “Where to Compare Auto Insurance Rates.”

Bangor, Maine Full Coverage Auto Insurance Monthly Rates by Provider & Annual Mileage

Insurance Company	6,000 Miles	12,000 Miles
	$241	$241
	$215	$220
	$234	$234
	$127	$131
	$346	$360
	$225	$231
	$294	$294
	$168	$180
	$181	$181
	$123	$130

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For those with shorter commutes, Geico and USAA offer the lowest rates, while Liberty Mutual is the most expensive across all commute lengths. Evaluate these rates to find the best value for your driving habits.

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Optimal Auto Insurance Rates in Bangor, Maine by Coverage Level

Explore the detailed comparison of monthly auto insurance rates in Bangor, Maine, categorized by different coverage levels, to find the best options that suit your budget and protection needs. Access detailed insights in our guide titled, “How Much Coverage You Need.”

This comparison will help you understand how varying levels of coverage impact your monthly premiums, ensuring you make an informed decision on the most cost-effective plan for your vehicle.

Analyzing coverage levels reveals significant cost differences, helping you choose the best insurance plan to fit your budget and needs.

Top Choices: Auto Insurance Categories in Bangor, Maine

Compare the best auto insurance companies in Bangor, Maine in each category to find the company with the best rates for your personal needs. Dive into our article called, “How to Lower Your Auto Insurance Rates.”

Best Bangor, Maine Auto Insurance Provider by Driver Profile

Driver Profile	Insurance Company
Teenagers
Seniors
Clean Record
One Accident
One DUI
One Ticket

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By comparing rates across different categories, you can easily identify the most cost-effective insurance solutions for your unique situation in Bangor, Maine. Tailor your coverage to your needs and budget with these top-rated providers.

Factors Influencing Auto Insurance Rates in Bangor, Maine

There are a lot of reasons why auto insurance rates in Bangor, Maine are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Bangor, Maine. Many local factors may affect your Bangor auto insurance rates.

Bangor, Maine Report Card: Auto Insurance Premiums

Category	Grade	Explanation
Vehicle Theft Rate	A	Very low vehicle theft rate, significantly below the national average.
Traffic Density	B	Moderate traffic density, with minimal congestion most of the year.
Average Claim Size	B	Claims are generally average compared to other cities in Maine.
Uninsured Drivers Rate	B	Slightly below the national average for uninsured drivers.
Weather-Related Risks	C	Higher risk due to harsh winters, including snow and ice storms.

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The report highlights a balanced environment for auto insurance, with premiums reflecting these various factors. Uncover details in our guide titled, “What are the recommended auto insurance coverage levels?”

Bangor Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Bangor, Maine commute length is 16.9 minutes according to City-Data.

Bangor Traffic

Bangor, Maine ranks fairly low in terms of global traffic congestion. According to Inrix, a global traffic analytics firm, Bangor is positioned as the 881st most congested city worldwide. This ranking suggests that while Bangor does experience some traffic, it is relatively manageable compared to larger urban centers globally.

For those in Bangor looking to save on multiple policies, Nationwide's 23% bundling discount is hard to beat.

Laura Berry Former Licensed Insurance Producer

The city’s traffic conditions are generally more favorable, making it easier for residents and visitors to navigate without the severe delays common in more congested cities.

Uncover affordable auto insurance rates from the top providers by entering your ZIP code below.