Cheap Auto Insurance Quotes in Lewiston, ME (January 2022)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Pine Tree State.

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes

Been Here Before?

Get Back to My Quotes
Last Updated: January 2022

Car Insurance in Lewiston, ME

Getting a new car is incredibly exciting, but do you have insurance? Drivers in Lewiston, Maine are required by law to have car insurance. The average cost of Maine car insurance is $141 per month, but cheaper car insurance is possible for residents of the pine tree state. With Insurify, you can get personalized car insurance quotes to find the cheapest rate for you.

$81
$123
$140
$167
$223
TravelersLiberty MutualMidvale Home & AutoThe GeneralDairyland

Cheapest Car Insurance in Lewiston, ME

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes.

Best Car Insurance in Lewiston, ME

Cost is not the only factor to consider when selecting a car insurance provider. You’ll want to make sure the company you choose is financially strong, can offer discounts to help you get the best rates, and can offer good customer service.

We evaluated a variety of data to choose the best car insurance companies in Lewiston, so you can compare our results against your individual car insurance quotes. This will help you choose the best and cheapest deal for an insurance policy that meets your insurance needs.

Average Car Insurance Cost

$98
$87
$85
$84
$85
$147
MainePortlandBangorSouth PortlandAuburnLewiston
Click here to learn about car insurance quotes and save on your current policy.

Lewiston, ME Driving Facts

maine

Minimum Car Insurance Requirements in ME

The state of Maine requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in Maine are:

  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Maine state law requires are $50,000 for the injury or death of a single person involved in a car accident and $100,000 for the injury or death of multiple persons. Insurance providers list this coverage at 50/100, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $100,000 are your responsibility.

The minimum property damage liability insurance requirements in Maine are:

  • $25,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of Maine requires $25,000 for the minimum. You’ll see the collective state minimum listed at 50/100/25. The 25 refers to the property damage liability. Once again, any damages above the $25,000 are your responsibility.

What happens if someone hits you, and they do not have insurance or enough insurance to pay for your damages? Consider that the Insurance Information Institute reports 4.5 percent or just under one out of twenty Maine drivers has no insurance. That’s why the state requires minimum uninsured motorist coverage and underinsured motorist coverage at:

  • $50,000 per person
  • $100,000 per accident

Uninsured motorist bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.

Underinsured motorist bodily injury pays your medical expenses if you’re hit by someone who does not have high enough policy limits to cover your costs.

Medical Payments coverage, or Med Pay, covers you and your passengers’ medical expenses regardless of fault. The state minimum requirement for this coverage:

  • $2,000 per person per accident

Lewiston Car Insurance Rates by Driver Age

A driver’s age is yet another factor that determines the cost of car insurance. In Maine, drivers in their teens and 20s see the highest monthly rates, but as drivers age, their costs decrease. Older drivers can also save on car insurance by bundling their auto insurance policy with other insurance products, like home insurance or life insurance.

Lewiston Car Insurance Rates by Driving and Accident History

Your driving record will largely determine what you pay for car insurance. If you have an infraction such as a DUI, speeding ticket, or at-fault accident in your driving history, you’ll probably pay more for car insurance than someone with a clean record. Here’s what you can expect to pay for car insurance coverage in Lewiston based on your driving record.

Lewiston Car Insurance Rates by Credit Tier

Almost 95 percent of insurers consider credit score when determining insurance premiums. That’s because drivers with good credit historically file fewer claims. Insurers can also use credit scores to calculate homeowners insurance rates. Below is what you can expect to pay in Lewiston, Maine, on average, based on your credit tier.

Lewiston DMV Information

The DMV is a state-level government agency that provides services related to cars and other motor vehicles, such as vehicle registration and titles as well as suspensions and reinstatements. However, in Maine it is called the BMV, or the Bureau of Motor Vehicles. Lewiston is home to one BMV office, which is located at:

36 Mollison Way #1
Lewiston, ME 04240
(207) 753-7750

Public Transportation in Lewiston

Because most Lewiston residents drive, walk, or bike around the city, public transportation options in the city are few and far between. However, the CityLink “Purple” bus service operated by the Lewiston-Auburn Transit Committee serves downtown Lewiston. And if you’re a student or faculty member of the Lewiston-Auburn College, you can ride for free!

How to Get the Cheapest Car Insurance in Lewiston

Shopping for car insurance can be daunting, especially when you think of the possibility of being put on hold with an insurance agent for hours just to find one single quote. However, buying insurance doesn’t have to be hard. With Insurify, you can get quotes from 10+ auto insurance companies all in one place and in just a matter of minutes!

At Insurify, we make it easy. All you have to do is enter your information once and you can find the best deal without ever having to go to an insurance agency! We’ll provide you with quotes from insurance giants like State Farm and Allstate as well as quotes from local agencies so you can find peace of mind knowing you’ve found the best possible rate.

Find local Lewiston agents

Champoux Insurance Agency
150 East Ave., Lewiston, ME 04240
NFP Property & Casualty, Inc.
185 Webster St, Lewiston, ME 04240
Cross Insurance-Lewiston
150 Mill Street, Lewiston, ME 04240
Bilodeau Ins Agency-Lewiston
541 Lisbon Street, Lewiston, ME 04240
Rainbow Insurance, LLC
391 Main St, Lewiston, ME 04240-6729
D & H Insurance Agency
18 Highland Spring Rd, Lewiston, ME 04240
Skillings-Shaw Assoc
103 Park St., Lewiston, ME 04240-6236
Cross Surety
485 Main St., Lewiston, ME 04240
Mark Arneault Insurance Agency
711 Main St, Lewiston, ME 04240
Nationwide Insurance: Casey Brougham Agency
239 Lisbon St, Lewiston, ME 04240

Insurify Insights: How Lewiston Drivers Measure Up

nissan
Nissan Sentra
Most Popular Car in
Lewiston, ME
suspended licenses
#2
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Lewiston drivers measure up to their fellow Maine motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Lewiston

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Lewiston drivers rank 1 in the number of car accidents per driver across all cities in Maine.

  • Rank within state: #1
  • Percent of drivers in Lewiston with an accident: 14.08%
  • Drivers in Lewiston, ME with an accident in their driving history paid on average 31.85% more than drivers with a clean record

Speeding in Lewiston

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Maine, Lewiston drivers rank 1 in the number of speeding infractions per driver.

  • Rank within state: #1
  • Percent of drivers in Lewiston with a speeding ticket: 11.19%
  • Drivers in Lewiston, ME with a speeding ticket in their driving history paid on average 66.67% more than drivers with a clean record

DUI/DWIs in Lewiston

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Lewiston drivers rank 2 in the number of DUI’s per driver across all cities in Maine.

  • Rank within state: #2
  • Percent of drivers in Lewiston with a DUI: 1.44%
  • Drivers in Lewiston, ME with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Lewiston

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Lewiston is the Nissan Sentra.


FAQs - Lewiston, ME Car Insurance

How do I find cheap car insurance in Lewiston, ME?

The best way to find cheap car insurance in Lewiston, Maine is to compare quotes with Insurify. No two drivers are the same, and comparing car insurance quotes is the best way to find an auto insurance policy that meets all of your needs and is in your budget.

How much does car insurance cost in Lewiston, ME?

The average cost of car insurance in Lewiston, Maine is $90 per month, but keep in mind that rates will vary based on a number of factors, like your driving record, your age, your credit score, and more. That’s why it’s always a good idea to shop around and compare car insurance quotes.

What drives up car insurance rates in Lewiston, ME?

Although car insurance rates in Lewiston, Maine are actually significantly cheaper than the national average, individual factors in your driving profile can drive up rates. If you have a DUI, speeding ticket, or at-fault accident in your driving history or if you have poor credit, you can expect higher than average car insurance premiums.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


Full starFull starFull starFull starFull star
3688 Reviews

Insurify is rated 4.8 out of 5 based on 3688 customer reviews.
With over 30,109,648 quotes provided, we have helped thousands of customers save time and money!