Car Insurance in Biddeford
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The Fast-Growing Town of Biddeford
Biddeford, Maine, is a college town in the Portland metro area with about 22,500 residents. It's best known as the home of the University of New England, and it also hosts an annual Franco-Americaine festival. Biddeford is situated along the Saco River and also has a shorefront on the Gulf of Maine. Whether you're a full-time local or attend school in Biddeford, you'll find diverse landscapes and a charming historic downtown to explore.
Driving in the Biddeford Area
Although Biddeford has a local bus service, most residents rely on personal vehicles to get to school and work. Sperling's Best Places reports that about 73% of commuters drive their own cars and nearly 10% carpool with others to get around. The average commute here takes just over 22 minutes, slightly less than the national average of 26.4 minutes.
As one of the fastest-growing commercial and recreational areas in New England, Biddeford can get crowded during high-traffic times. If you live, work or go to school here, be aware of congested roads such as Route 111 and try to find an alternate way to your destination if possible.
Possible Issues for Drivers in Biddeford
Biddeford motorists should know that the city has about double the state rate of auto thefts. About 100.5 of these incidents occur per 100,000 residents every year. Property crime such as vandalism is also more common here than in Maine overall. Investing in full coverage car insurance in Biddeford shields your budget from vandalism and other property crimes. You can compare quotes with VIU by HUB to find affordable rates on the right policy for you.
Average Rates for Car Insurance in Biddeford
Not only does Maine have the lowest auto insurance rates in the country, but Biddeford has some of the lowest rates in the state according to U.S. News and World Report. You'll pay an average of $890 a year for full coverage here, more than 42% less than the average national premium of $1,543 for a similar policy.
Your specific address plays a major role in your premiums. For example, your quotes will likely be higher if you live a block away from a hazardous intersection. Other factors that affect your auto insurance rates include your driving history, the type of vehicle you own and the amount of coverage you need.
Car Insurance Laws in Maine
Like most states, Maine requires drivers to carry minimum insurance. You must have at least $50,000 per person and $100,000 per accident in bodily injury liability. This type of coverage pays third-party medical bills if the insurance company finds you at fault in an accident resulting in injuries.
Maine also requires $25,000 per person in property damage liability, which pays to repair or replace the other driver's vehicle if you have an at-fault accident. In addition, you need uninsured and underinsured motorist coverage of at least $50,000 per person and $100,000 per accident. Finally, Maine mandates $2,000 of medical payments coverage, which pays for your medical bills after an accident injury regardless of fault.
You may want to purchase car insurance in Biddeford beyond the state-mandated minimums. For example, comprehensive coverage pays for non-accident vehicle damage or theft. Collision coverage pays for repairs to your vehicle after an accident, regardless of fault. If you have an auto loan, your lender likely requires you to carry both of these policies.
When you want to save money on car insurance in Biddeford, compare personalized quotes with VIU by HUB. You can see real rates in minutes from multiple providers.
This information is intended for general informational purposes only and is not intended to constitute legal advice.