Bangor Car Insurance

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FAQs for Car Insurance in Bangor, ME

Bangor, Maine, is a college town with the perfect blend of entertainment and outdoors. The metro area has a population of 150,000 people, and it offers restaurants, breweries, coffee shops, art galleries and theaters, such as the Gracie Theater. Nature lovers can enjoy hundreds of acres of forest, including Arcadia National Park.

Why Is Bangor Car Insurance Necessary?

People in Bangor use their vehicles for everything: work, college, errands, exercise, relaxation and family fun. Fewer than 2% of households don't have a car. In fact, a whopping 65% of local families own two, three or more vehicles!

So Many Places To Explore by Car

One reason cars are such an important part of Bangor's identity is that people here love spending time outdoors. With a vehicle, there are countless places to visit year-round, such as Cascade Park, Orono Bog Boardwalk, the Bangor Waterfront and the Penobscot River.

Bangor City Forest is over 700 acres filled with flora and fauna. Fitness enthusiasts regularly visit for walking and jogging. Outdoor lovers go biking and hiking on the nine miles of paved trails. In winter, locals cross-country ski.

A Surprising Number of Car Accidents in the Area

Crashes happen in Bangor, and they're unpredictable. Just in 2022, there were over 1,200 car accidents and 400 injuries within city limits. For the surrounding area, the numbers increase to 4,000 crashes and 1,200 injuries.

Some car accidents are the fault of speeding drivers. Others involve alcohol or distracted driving. About 20% of crashes happen at night, when visibility is poor. These are situations you can't control, so protecting your interests means having good insurance coverage.

Where Do Local Car Accidents Happen?

A large percentage of crashes in Bangor occur at intersections in the city. Sometimes, drivers aren't paying attention to red lights or who has the right of way.

Rear-end collisions can also happen on Interstate 95, U.S. Highway 2 and other major roads that have significant traffic. When drivers follow other vehicles too closely, they can crash because of emergencies or due to poor road conditions.

Who Needs Full-Coverage Car Insurance?

Full coverage is a good idea for anyone who spends a lot of time driving every week. This includes commuters. In Bangor, almost 80% of households commute by car. Public transportation is practically nonexistent.

About 30% of residents have a short commute of less than 15 minutes. For others, though, the drive is much longer. Roughly 10% drive 30-35 minutes, and another 10% have to go 45-90 minutes each way.

These commuters include the 36,000 college students who attend local schools. Getting to the University of Maine or Husson University can require long driving times for students who live out of town.

What Type of Coverage Do Local Drivers Need?

The right coverage always depends on local risks. With almost 70 inches of snow and freezing weather over a third of the year, icy roads are something to prepare for. Collision insurance can help.

Bangor also has an extremely high rate of property crime, with an average of 4,000 crimes per 100,000 people. That's double the rate of cities such as Lewiston and Brunswick. Comprehensive coverage can help with auto break-ins, parts theft and similar risks.

How Much Does Full-Coverage Car Insurance Cost?

VIU by HUB helps drivers compare coverage options, insurance companies and prices. The average cost of Bangor car insurance is about $1,200, higher than other cities in Maine. By customizing coverage, it's possible to save money.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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