Lewiston, ME Auto Insurance | Cheap Car Insurance in Lewiston, ME

Residents in need of cheap car insurance in Lewiston, ME have several options. The best Lewiston, ME car insurance companies consist of Liberty Mutual, Concord, State Farm, Vermont Mutual, and Allstate. Concord leads the pack in offering Lewiston, ME auto insurance at $23 monthly.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Jul 19, 2021

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Maine auto insurance lists its minimum liability coverage as 50/100/25. Drivers searching for cheap car insurance in Lewiston, ME will be able to find affordable premiums. Liberty Mutual, Concord, State Farm, Vermont Mutual, and Allstate rank as some of the best Lewiston, ME car insurance companies. Concord leads the way in offering Lewiston, ME auto insurance at $23/month.

Lewiston is the second largest city within the state of Maine and separated from its sister city, Auburn, by the Androscoggin River. Among the top employers in Lewiston are manufacturers and, to a lesser degree, service industries. Lately, this trend has begun to shift in favor of smaller, entrepreneurial businesses.

Fun fact: Did you know that Lewiston was a major producer of water power in the early 19th century thanks to its location on the Androscoggin River?

Do you need cheap auto insurance in Lewiston, ME? At AutoInsuranceEZ.com, you’ll find the cheapest auto insurance in Lewiston, Maine. To acquire free car insurance quotes from the leading providers today, input your ZIP code into the quote box on this page.

Auto Insurance Coverage Requirements in Maine

Driving legally in Lewiston requires:

Coverage Requirements Most Common
Bodily Injury Liability 50,000/100,000 100,000/300,000
Property Damage Liability 25,000 50,000
Uninsured Motorist Bodily Injury 50,000/100,000 100,000/300,000
Medical Payments 1,000 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

Even though Maine’s minimum insurance requirements are a little high, their overall insurance rates throughout the state are actually quite low. Plus, you get protected against medical bills and uninsured motorists on top of everything.

Like we just mentioned, Maine drivers get to pay some of the lowest rates for insurance in the country. Most drivers pay as little as $80 monthly for their policies. But living in Lewiston gives you an extra advantage, and you can lower your premiums down to $35/mo* because of it.

Average Monthly Auto Insurance PremiumsLegend: Lewiston Liberty Mutual Concord State Farm Vermont Mutual Allstate 5101520253035$25$23$25$30$38


Like many cities in Maine, you can get the best rates from State Farm, Concord, or Liberty Mutual. But do some research into each company, and make sure they’re the right fit for you. After all, how miserable would it be to invest in a Lewiston, Maine auto insurance company and later find out that they had terrible customer service, or a complicated claims process?

Also, keep in mind that there are a variety of Lewiston, Maine car insurance companies, such as Bilodeau Insurance Lewiston, Maine and more.

Auto insurance carriers contemplate many elements when calculating Lewiston, ME auto insurance quotes, including marital status, ZIP code, credit score/rating, years of driving experience, and theft protection devices. Additionally, premiums differ among Lewiston, ME auto insurance companies. To verify you’re still being charged the cheapest rate, compare cheap Lewiston auto insurance quotes online.

Enter your ZIP code below to compare auto insurance rates.

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Major Factors in Cheap Car Insurance in Lewiston, Maine

Your car insurance rates could vary based on where you call home. Generally, highly populated areas have higher car insurance rates because the extra number of drivers on the road raises the likelihood of an accident! The population of Lewiston is 36,437 and the median household income is $35,398.

Your ZIP Code

Your car insurance rates could vary based on where you call home. Generally, highly populated areas have higher car insurance rates because the extra number of drivers on the road raises the likelihood of an accident! The population of Lewiston is 36,437 and the median household income is $35,398.

Auto Insurance by ZIP CodeLegend: Portland South Portland Auburn Bangor Lewiston Liberty Mutual Concord State Farm Vermont Mutual Allstate 5101520253035$24$22$25$24$25$29$29$23$21$23$30$30$25$26$25$31$31$30$31$30$38$38$38$38$38


Automotive Accidents

If you live in a community where deadly accidents rarely happen, it can give you some good peace of mind. Luckily, it can also get you lower car insurance rates. If your area isn’t accident-prone, then your provider won’t have to charge you high premiums.

Fatal Accidents in Lewiston, MELegend: Lewiston Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 12345624126


Auto Thefts in Lewiston

Finding cheap auto insurance can be difficult if you are at risk for auto theft. Certain popular vehicle models are attractive to thieves, as well as vehicles which are parked often in large cities. The total number of stolen vehicles in Lewiston skyrocketed up to 56 in 2013, which is much higher than previous years. You might want to talk to your insurance agent about your Comprehensive coverage, just to be safe.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Liberty Mutual Concord State Farm Vermont Mutual Allstate 102030405060708090100110$25$114$23$69$25$59$30$70$38$85


Your Credit Score

Take a look at the chart below. Did you notice that drivers with poor credit have to pay at least double the monthly rate as everyone else? Your credit score carries a lot of weight when insurance companies determine your premium. So make sure you do everything you can to keep it high.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Liberty Mutual Concord State Farm Vermont Mutual Allstate 51015202530354045$19$48$21$37$20$48$28$47$33$49


Your Age

In the eyes of the insurance company, an older driver’s extra years of experience on the road have earned them a lower monthly premium. But getting insured for an affordable price isn’t impossible if you’re young. Students especially can lower their rates with student-related discounts.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Liberty Mutual Concord State Farm Vermont Mutual Allstate 102030405060708090100110120130$25$78$23$78$25$91$30$103$38$130


Your Driving Record

Got a few minor tickets that are still driving up your rates? Ask around about Accident Forgiveness. Some companies are willing to overlook minor infractions on your record and give you a lower rate if you don’t have anything too severe in your history, like Reckless Driving or a DUI.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Liberty Mutual Concord State Farm Vermont Mutual Allstate 510152025303540455055606570$25$36Do Not Sell$41$23$23$56$23$25$28$28$31$30$30$70$38$38$41$48$51


Your Vehicle

Compact cars and cheaper vehicles are less expensive to insure, mostly because they don’t require as much coverage. However, luxury vehicles will require a luxurious insurance plan. And that can cost you a pretty penny.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Liberty Mutual Concord State Farm Vermont Mutual Allstate 102030405060708090100110120$25$124$23$73$25$82$30$75$38$107


Minor Factors in Cheap Auto Insurance in Lewiston, Maine

Guess what? There are many other factors which might change the final number on your car insurance bill. And those include:

Your Marital Status

Bundling insurance policies with your spouse is a great way to save money. And that isn’t just true for automobile insurance. You can do the same with your homeowner’s policy, your RV, boat, and more!

Your Gender

Did you know that, for most insurance companies, charging men and women wildly different premiums is a thing of the past? Well, in recent years, many companies have abandoned the practice altogether. Those that still do it only charge minimally different rates.

Your Driving Distance to Work

While most of Lewiston workers enjoy an average commute time of 11-18 minutes, spending 20-23 minutes behind the wheel is almost equally likely when driving to and from work. Just over 70% of motorists will drive their own vehicle to work each day, while nearly 13% will carpool.

For liability reasons, business vehicles cost anywhere from 10-12% more to insure than regular vehicles. And while you might think that limiting your miles might help offset the cost, think again. Even drastic mileage reduction will only save you 2-3%.

Your Coverage and Deductibles

Deductibles, which are the minor fee you have to pay for your insurer to fulfill a claim on certain types of coverage, greatly influence your monthly premium. Low deductibles will raise your Lewiston, ME auto insurance rates, while high deductibles will lower your monthly payment.

Education in Lewiston, ME

Those who take their education beyond high school could save money on their car insurance bill – even more so than by getting a fancy position or a high salary. Providers are offering lower rates to these educated drivers more frequently than ever. In Lewiston, over one-third of all residents have a high school diploma or some equivalent, while a slightly smaller percentage have not yet completed high school.

Ranked among the top 25 liberal arts universities within the United States, Bates College is a highly competitive institution which offers excellent study-abroad programs and yields a high rate of students who quickly move on to pursue advanced degrees. There is also the public University of Southern Maine Lewiston-Auburn College and a variety of medical schools available from St. Mary’s Hospital and the Central Maine Medical Center.

Unfortunately for most insurance companies, a straightforward search on the internet can reveal many of their business secrets. But even with the right information, it can still be difficult for you as an individual to determine your risk profile and get low-cost insurance. Be sure to do your due diligence prior to committing to your next affordable Lewiston, ME auto insurance policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Maine Bureau of Insurance

Maine Bureau of Financial Institutions

Department of Highway Safety and Motor Vehicles



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