Best Lewiston, ME Auto Insurance in 2025

The best Lewiston, ME auto insurance options are State Farm, Geico, and Liberty Mutual. These providers offer a balance of affordability, coverage, and customer service.

State Farm is the top pick overall, with competitive rates and excellent coverage options. Geico provides the most affordable plans for both minimum and full coverage, making it an excellent option for drivers on a budget.

Our Top 10 Company Picks: Best Lewiston, ME Auto Insurance

While Liberty Mutual offers customizable coverage options and strong customer support, making it a reliable choice for many drivers. Comparing these providers allows residents to find a policy that best fits their needs and budget.

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#1 – State Farm: Top Pick Overall

Pros

• Bundling Discounts: State Farm offers great savings to residents of Lewiston, ME, when combining multiple insurance policies with auto insurance. Read our State Farm auto insurance review for details.
• Customer Service: State Farm is well-known for its helpful customer service, which makes it easy to file claims and provides strong support to policyholders from Lewiston, Maine.
• Affordable Rates for Basic Coverage: State Farm offers competitive pricing for minimum coverage at $28 per month for Lewiston drivers, making it an affordable option for many.

Cons

• Limited Multi-Policy Discounts: State Farm offers bundling discounts to Lewiston, ME residents, but they might not be as large as those provided by other providers.
• Higher Premiums for Some Drivers: State Farm’s premiums could be higher than other insurers, particularly for high-risk drivers, depending on your location or driving record.

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#2 – Geico: Best for Affordable Rates

Pros

• Low Premiums: Geico is known for offering some of the cheapest auto insurance rates in Lewiston, ME, with minimum coverage at $25 per month for many drivers.
• Generous Bundling Discounts: Geico offers a 25% discount to Lewiston, Maine, residents who bundle auto insurance with other policies.
• Strong Financial Stability: Geico is recognized for its financial strength, with an A++ rating from A.M. Best, which ensures it can handle auto insurance claims efficiently.

Cons

• Limited Coverage for High-End Vehicles: Geico may not provide as many auto insurance coverage options for high-performance cars, which could result in higher premiums.
• Less Personalized Customer Service: Geico’s customer service is efficient but mostly online and by phone, which may not suit Lewiston, ME residents who prefer in-person help.

#3 – Allstate: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Allstate offers Lewiston, Me, residents an accident forgiveness program, which is great for cautious drivers seeking peace of mind.
• Wide Range of Coverage: Allstate offers various auto insurance coverage options, including roadside assistance, rental reimbursement, and gap coverage.
• Generous Bundling Discounts: Allstate gives a 25% discount when residents from Lewiston, Maine, bundle their auto insurance with other policies.

Cons

• Higher Premiums: Allstate may charge higher auto insurance premiums for drivers with a poor credit score or a history of accidents than other insurers in Lewiston, ME.
• Complicated Policy Options: Allstate’s offerings can be confusing with many coverage choices, especially for first-time buyers from Lewiston, ME.

#4 – Progressive: Best for Snapshot Savings

Pros

• Snapshot Program: Progressive’s snapshot program offers discounts based on your driving habits, tracking safe driving behaviors through a mobile device.
• Competitive Rates: Progressive provides competitive rates, with minimum coverage at $26 per month.
• Wide Range of Discounts: Progressive offers several discounts to Lewiston, ME residents, such as for bundling, safe driving, and good student discount.

Cons

• Premium Increases After Claims: While Progressive is generally affordable, some drivers may experience higher premiums after filing a claim, especially for serious accidents.
• Limited Customer Service Options: Progressive auto insurance customers have trouble getting personalized service or face issues with claims.

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#5 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing Deductible: Nationwide’s Vanishing Deductible program rewards safe driving by reducing deductible by $100 each year you remain accident-free.
• Strong Customer Satisfaction: Nationwide is known for excellent customer service and claims support, with an A+ rating from A.M. Best.
• Competitive Bundling Discounts: Nationwide offers a 20% discount when you bundle auto insurance with other policies, such as home or life insurance.

Cons

• Not the Cheapest Option for Young Drivers: Nationwide may not provide the lowest auto insurance premiums for younger or high-risk drivers in Lewiston.
• Limited Availability of Some Discounts: Some of Nationwide’s best discounts, like the Vanishing Deductible, may not be available in all states or regions.

Read more: Nationwide Auto Insurance Review

#6 – Liberty Mutual: Best for Bundling Discounts

Pros

• Strong Bundling Options: Liberty Mutual offers a 25% discount when you bundle auto insurance with other policies, giving multi-policy Lewiston customers significant savings.
• Customizable Coverage Options: Liberty Mutual offers various coverage options, letting you tailor your policy to your needs, including accident forgiveness and new car replacement.
• Competitive Pricing: Liberty Mutual’s auto insurance is affordable, especially when bundled with other types of insurance. Learn more at our Liberty Mutual auto insurance review.

Cons

• Customer Service Complaints: Some customers have complained about Liberty Mutual’s customer service, especially regarding claims and how quickly they are resolved.
• Higher Rates for Drivers with Poor Credit: Like other insurers, Liberty Mutual may charge higher rates for drivers with poor credit, making coverage more expensive.

#7 – Amica: Best for Dividend Payments

Pros

• Dividend Payments: Amica lets policyholders earn dividends, which can help lower premiums or get refunded, saving money in the long run.
• High Customer Satisfaction:Amica is known for great service and support, assisting customers on how to file an auto insurance claim easy and stress-free.
• Generous Bundling Discounts: Amica gives a 30% discount when you bundle auto insurance with other policies, saving you a lot if you combine your insurance.

Cons

• Limited Coverage for High-Risk Drivers: Amica may not be the best choice for drivers with a history of accidents or violations, as it might not offer the lowest premiums.
• Higher Rates for New Customers: New customers might see higher initial premiums compared to some competitors, but long-term savings through dividends can help offset this.

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#8 – The Hanover: Best for Local Agent Support

Pros

• Personalized Service from Local Agents: The Hanover lets you work with local agents who can help you customize your policy and provide personal service.
• Strong Reputation for Claims Handling: The Hanover is known for handling claims well and providing fast and efficient support when needed.
• Competitive Discounts: The Hanover offers discounts on bundles, loyalty, and safe driver discount, which can help Lewiston, ME residents save on premiums.

Cons

• Limited National Reach: While The Hanover is great locally, it may not provide as many resources or benefits for policyholders outside certain areas.
• Higher Premiums for Younger Drivers: Like many insurers, The Hanover may charge higher rates for younger drivers, especially those with less driving experience.

#9 – Safeco: Best for High-Risk Drivers

Pros

• Coverage for High-Risk Drivers: Safeco specializes in insuring high-risk drivers, offering competitive rates for those with poor driving records or limited experience.
• Affordable Premiums for Basic Coverage: Safeco offers affordable rates in Lewiston at $31 per month for minimum coverage.
• Strong Discount Opportunities: Safeco provides various discounts, including bundling and safe driving, helping customers lower their overall costs.

Cons

• Limited High-End Vehicle Coverage: Safeco may not provide as complete coverage for luxury vehicles as some other top insurers.
• Customer Service Issues: Some policyholders have reported problems with Safeco’s customer service, especially during claims or when trying to reach an agent.

#10 – Travelers: Best for Comprehensive Coverage

Pros

• Comprehensive Coverage Options: Travelers offers various coverage options, like roadside assistance, rental car reimbursement, and new car replacement.
• Strong Financial Stability: Travelers have the financial strength to handle claims and provide reliable service quickly.
• Wide Network of Repair Shops: Travelers work with many auto repair shops, so your vehicle gets repaired quickly and affordably.

Cons

• Higher Rates for Certain Demographics: Travelers may have higher premiums for younger drivers or those with a history of accidents.
• Limited Discount Opportunities: Travelers offers discounts, but they may not be as many or as large as those from some competitors.

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Auto Insurance Rates and Coverage in Lewiston, Maine

When looking for the best auto insurance in Lewiston, Maine, it’s important to compare the options for minimum and full coverage. Below is a breakdown of the auto insurance providers and their rates for the area.

Finding the right auto insurance in Lewiston, Maine, depends on the coverage you need and how much you’re willing to spend. Geico has the lowest rates for minimum and full coverage, making it a great choice for affordable protection.

Lewiston, ME Auto Insurance Monthly Rates by Provider & Coverage Level

Nationwide and Progressive also offer good rates, so they’re worth checking out. It’s important to figure out what coverage works best for you and compare prices to get the best deal.

Auto Insurance Coverage Requirements in Lewiston, Maine

Every driver needs to know Lewiston, Maine’s auto insurance coverage requirements to follow the law and stay protected. Maine law says all drivers must have liability insurance covering injuries and damage during an accident.

Uninsured and underinsured auto insurance coverage is required to protect the driver if the other driver doesn’t have enough or no insurance. The minimum limits for this coverage are the same as for liability: $50,000 per person and $100,000 per accident.

Auto Insurance Coverage Requirements in Lewiston, Maine

When looking for the best Lewiston, ME, auto insurance, consider getting more than just the basics. Options like comprehensive and collision coverage, and medical payment coverage can give you extra protection in case of accidents, theft, or other issues. Many insurance companies offer discounts if you bundle policies or let you customize a plan to fit your budget and needs.

Bundle is life! Can’t argue with that logic. + https://t.co/uNYjYTKwoU pic.twitter.com/RRoMMaYbbc

— State Farm (@StateFarm) August 28, 2024

Picking the best Lewiston, ME auto insurance doesn’t just keep you legal—it can save you from big financial problems. Take the time to compare a few providers to find reasonable rates and the right coverage for you.

Auto Insurance Discounts by Providers in Lewiston, Maine

In Lewiston, Maine, auto insurance providers offer various discounts to help lower premiums. These include savings for safe driving, multi-policy bundles, good students, multiple vehicles, and eco-friendly cars.

Providers like Geico, Allstate, Amica, Liberty Mutual, Nationwide, Progressive, Safeco, State Farm, The Hanover, and Travelers offer different discounts that can reduce costs based on your driving habits and vehicle features.

Auto Insurance Discounts From the Top Providers in Lewiston, ME

Looking into the discounts offered by auto insurance providers in Lewiston, Maine, can help reduce your premiums. By taking advantage of discounts like safe driving or multi-policy savings, you can find a plan that fits your budget. Be sure to ask your provider about all available discounts to get the best deal.

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Major Factors in Auto Insurance in Lewiston, Maine

Several things affect how to get the best auto insurance in Lewiston, Maine. Insurance companies look at your driving record, age, and what kind of car you drive to figure out your rate. Knowing these factors can help you make smarter choices and save money on your auto insurance.

ZIP Code

When determining the best auto insurance in Lewiston, Maine, the ZIP code plays a major role in shaping the insurance premiums. Insurance companies use ZIP codes as a key factor to assess risk, which influences the pricing of policies.

Areas within Lewiston with higher traffic, greater population density, or a higher likelihood of accidents typically see higher insurance rates. Conversely, ZIP codes in quieter neighborhoods or less densely populated areas may offer lower rates due to a decreased risk of accidents or vehicle theft.

Lewiston, Maine Auto Insurance by ZIP Code

The ZIP code in Lewiston, Maine, also affects the types of discounts and coverage options available to drivers. For instance, a quieter, suburban ZIP code with fewer cars and less crime might mean cheaper insurance rates, while a busier area with more accidents and frequent claims could mean higher premiums.

Understanding how ZIP code is a major factor in the best auto insurance in Lewiston helps drivers make more informed choices when selecting policies tailored to their location and needs.

Vehicular Accidents

Vehicular accidents are a major factor in determining the best auto insurance in Lewiston, ME. Insurance companies consider the frequency and severity of accidents in different city areas to assess risk and set premium rates.

In Lewiston, some areas may experience more accidents due to high traffic, complex intersections, or winter weather conditions, such as snow and ice. As a result, insurance premiums may be higher in areas with a higher rate of accidents.

Vehicular Accidents in Lewiston, Maine

The number of vehicular accidents in Lewiston also impacts the type of coverage best suited for drivers. More comprehensive coverage might be recommended to protect against potential costs in areas with a higher frequency of accidents. Drivers in areas with fewer accidents might choose more basic coverage.

Insurance companies may also offer discounts for safe driving or accident-free records. Understanding how vehicular accidents affect the best auto insurance in Lewiston helps drivers make informed decisions about the coverage that best suits their needs.

Auto Thefts

Finding the best auto insurance in Lewiston, ME, can be tough if your car is at risk for theft. Specific car models appeal more to thieves and vehicles parked in busy areas or large cities are more likely to be stolen.

In 2013, Lewiston saw a significant rise in stolen cars, with 56 reported thefts, much higher than in previous years. This increase in thefts can make it harder to find the best auto insurance in Lewiston, ME, as insurance companies may raise premiums for vehicles that are more likely to be stolen.

Basic Coverage vs. Comprehensive Coverage with Auto Theft Coverage in Lewiston, Maine

Discussing your comprehensive coverage with your insurance agent is a smart move to ensure full protection. This coverage can assist if your vehicle is stolen, and exploring options like an anti-theft device discount can help you secure the best auto insurance in Lewiston, ME while safeguarding your vehicle from theft.

Credit Score

Credit score is a major factor in determining the best auto insurance in Lewiston, Maine. Insurance companies use credit scores to evaluate financial responsibility, which directly affects their rates.

Drivers with higher credit scores are considered less risky and may qualify for lower premiums, while those with lower credit scores are considered higher risk and may face higher rates.

Drivers with poor credit may not only pay higher premiums but may also have fewer coverage options or less favorable terms. Conversely, drivers with good credit scores are more likely to receive better rates and discounts.

Understanding how credit score impacts the best auto insurance in Lewiston helps drivers decide whether to improve their credit or find the most affordable coverage based on their financial situation.

Age

Age is a major factor in determining the best auto insurance in Lewiston, ME. Insurance companies consider a driver’s age when setting premiums because the level of risk changes at different ages. Younger drivers, particularly those under 25, are typically considered at higher risk due to inexperience, which results in higher premiums.

Lewiston, Maine Auto Insurance Monthly Rates by Provider, Age, & Gender

In contrast, older drivers, especially those over 50, are generally considered lower risk and may receive lower rates but may increase again for seniors due to factors like slower reaction times and potential health concerns.

Younger drivers often pay higher premiums due to their higher accident rates, while drivers in their 30s and 40s, who generally have more experience, tend to spend less. Understanding how age impacts the best auto insurance in Lewiston can help drivers find coverage that fits their needs and budget and prepare for how their premiums might change over time.

Driving Record

A driver’s driving record is important when determining the best auto insurance in Lewiston, Maine. Insurance companies assess a driver’s history of accidents, traffic violations, and claims to determine risk.

Drivers with a clean driving record are seen as less risky and may qualify for lower premiums. On the other hand, drivers with a history of accidents, speeding tickets, or DUIs are considered higher risk and usually face higher rates.

Lewiston, Maine Auto Insurance Monthly Rates by Provider & Driving Record

Drivers with a poor driving history might need to carry more extensive coverage, like higher liability limits, while those with clean records may only need basic coverage, which can result in lower premiums. Insurance companies often offer discounts for drivers who maintain a clean record over time.

Understanding how a driving record affects auto insurance premium can help drivers make better choices, as keeping a clean record can lead to lower auto insurance costs and more affordable coverage.

Vehicle Model

The vehicle model is a major factor in determining the best auto insurance in Lewiston, Maine. Insurance companies consider a car’s make, model, and age when calculating premiums. High-end vehicles or sports cars often come with higher repair and replacement costs, which results in higher insurance premiums.

On the other hand, older vehicles or cars that are less expensive to repair may qualify for lower premiums. In Lewiston, Maine, drivers with more expensive or newer vehicles may see a significant difference in insurance rates compared to those with older more affordable cars.

Auto Insurance Rates by Vehicle Models in Lewiston, Maine

The safety features and reliability of the vehicle can influence the auto insurance premium. Vehicles equipped with advanced safety features, such as anti-lock brakes, airbags, and tracking systems, can help lower insurance premiums because they reduce the risk of severe damage in case of an accident.

Understanding how vehicle model impacts auto insurance can help drivers make informed decisions when purchasing coverage based on their vehicle’s type, value, and safety features.

Minor Factors in Auto Insurance in Lewiston, Maine

While there are several major factors that impact auto insurance premiums in Lewiston, Maine, there are also minor factors that can influence the cost of coverage. These factors affect your auto insurance rates but may not have as significant an impact as age, driving record, or vehicle model, but they still play a role in determining the best auto insurance in Lewiston, Maine.

Marital Status

Marital status can affect the cost of auto insurance in Lewiston. While it isn’t as important as factors like your driving record or vehicle model, auto insurance companies often offer lower premiums to married drivers. This is because studies show that married drivers are less likely to get into accidents, which makes them less risky for insurers.

Insurance providers may give discounts to married couples. Single drivers, on the other hand, tend to face slightly higher premiums because they are statistically more likely to be involved in accidents.

Gender

Gender is a minor factor that can affect the cost of auto insurance in Lewiston, ME. Insurance companies sometimes consider gender when setting premiums because men and women tend to have different driving behaviors and accident rates.

Statistically, young men are more likely to be involved in accidents and engage in risky driving, which leads to higher premiums for them. As a result, men, especially those under 25, often pay higher rates than women in the same age group. However, once drivers get older, the difference in premiums based on gender becomes less noticeable.

 

For those looking for the best auto insurance in Lewiston, Maine, understanding how gender affects rates can be helpful. While gender may influence premiums, it’s less significant than factors like your driving record or vehicle type.

Women may see lower rates when they are younger, but premiums generally become similar for both men and women as they age. Understanding how gender factors into the best auto insurance in Lewiston, Maine, can help drivers make more informed choices when selecting their coverage.

Driving Distance to Work

Insurance companies consider how much you drive each day because the more time you spend on the road, the higher your chances of being involved in an accident. Drivers who have longer commutes are statistically at a higher risk of accidents, which can lead to slightly higher premiums.

On the other hand, those with shorter commutes may pay a bit less for coverage. For those looking for the best auto insurance in Lewiston, Maine, understanding how driving distance to work impacts premiums can help find affordable coverage.

While driving distance does affect rates, it is generally less important than factors like your driving history or the type of car you drive. Drivers with shorter commutes may enjoy slightly lower rates, but the difference is usually small. Being aware of how driving distance plays a role in auto insurance can help you make better decisions when choosing insurance coverage.

Coverage and Deductibles

The amount of coverage you choose and your deductible can impact your premiums. If you choose higher coverage limits or more comprehensive protection, your premiums will likely be higher since the insurance company is taking on more risk.

Selecting lower coverage or a higher deductible can help lower your premium. However, these factors tend to have a smaller effect on your rates compared to more significant factors like your driving record or the type of vehicle you drive.

A higher deductible might lower your monthly premium, but it also means you’ll pay more out of pocket if you need to file a claim. Striking the right balance of coverage is essential — too much coverage can raise your premium, while too little could leave you underinsured.

Knowing how coverage and deductibles affect auto insurance helps ensure you find the right policy for your needs.

Education

In Lewiston, ME, education doesn’t significantly impact auto insurance rates, but it can still play a minor role. While things like your driving record, the car you drive, and where you live matter more, some insurance companies might give you a discount if you have a higher level of education.

This is because they might think that people with more education are generally more responsible drivers. Education can also affect insurance rates in other ways. For example, people with higher education, especially those in professional jobs, might be considered lower-risk drivers.

Insurers may assume they’re more careful and financially stable. Plus, areas with higher education levels may have fewer accidents, which could help keep rates lower. While education is just a minor factor, it can still make a difference when combined with other things.

How we Conducted our Auto Insurance Analysis in Lewiston, Maine

We figured out the average rate for auto insurance in Lewiston, Maine, based on a few simple factors: a married, 34-year-old male with good credit, a clean driving record, and a history of keeping auto insurance for the last 12 months.

This person also owns a home and drives a financed 2015 Honda Accord with a pre-installed anti-theft device. The miles driven annually were based on the national average. This helps us understand what a typical driver in Lewiston might pay for auto insurance.

A clean driving record, good credit, and homeownership often lead to lower auto insurance rates, as insurance companies view these as responsibility indicators. Driving a car with an anti-theft device, like the 2015 Honda Accord, can also help reduce costs.

By considering these factors, we can estimate the average auto insurance cost for someone with this profile in Lewiston, Maine.

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Case Studies: Real-Life Scenarios in Lewiston, Maine Auto Insurance

Understanding how auto insurance premiums are determined can be complex, but real-life examples help simplify the process. Here are three case studies from Lewiston, Maine, showing how various factors, such as age, driving record, and vehicle type, influence insurance rates.

• Case Study #1 – Sarah, the Young Driver with a Clean Record: Sarah, a 22-year-old college student, secured affordable auto insurance for her 2015 Toyota Corolla with Liberty Mutual at $95/month. She benefited from discounts due to her clean driving record and the car’s safety features.
• Case Study #2 – John, the Experienced Driver with a Recent Accident: John, a 38-year-old professional with a recent accident, found a $140/month premium for his 2019 Honda CR-V. After completing a defensive driving course, he lowered his rate to $120/month with State Farm.
• Case Study #3 – Tom, the Senior Driver Looking for Low-Cost Coverage: Tom, a 67-year-old retiree, secured a $90/month policy for his 2012 Honda Accord with Geico. His low annual mileage and senior discounts helped him find affordable coverage.

Getting the right auto insurance types in Lewiston, ME, depends on things like your driving history, age, and what kind of car you drive. By comparing around and checking for discounts, you can find a policy that works for you and your budget. Take the time to compare your options to make the best choice for you and your vehicle.

Find the best auto insurance rates no matter how much coverage you need by entering your ZIP code into our comparison tool today.