Best Lewiston, ME Auto Insurance in 2024

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

#1 – State Farm: Top Pick Overall

Pros

• Bundling Discounts: State Farm excels in providing significant savings when you bundle multiple insurance policies, helping you save more if you have home, renters, or life insurance in addition to auto insurance.
• Strong Reputation for Customer Service: State Farm is known for its responsive and helpful customer service, ensuring a smooth claims process and support for policyholders.
• Affordable Rates for Basic Coverage: State Farm offers competitive pricing for minimum coverage, starting around $85 per month for Lewiston drivers, making it an affordable option for many.

Cons

• Limited Multi-Policy Discounts: While State Farm offers bundling discounts, they may not be as generous as those of some other providers, especially for more complex policies.
• Higher Premiums for Certain Drivers: Depending on your location or driving history, State Farm’s premiums may still be higher than some of the competition, particularly for high-risk drivers.

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#2 – Geico: Best for Affordable Rates

Pros

• Low Premiums: Geico stands out for offering some of the most affordable rates in Lewiston, ME, with minimum coverage starting as low as $30 per month for many drivers.
• Generous Bundling Discounts: Geico provides up to 25% off for bundling auto insurance with other policies like renters or homeowners insurance.
• Strong Financial Stability: With an A++ rating from A.M. Best, Geico is known for its financial strength, ensuring that it can handle claims quickly and efficiently.

Cons

• Limited Coverage Options for High-End Vehicles: Geico may not offer as extensive coverage options for luxury or high-performance vehicles, potentially leading to higher premiums for these types of cars.
• Less Personalized Customer Service: While Geico provides efficient customer service, it is largely online and phone-based, which may not appeal to customers who prefer in-person assistance.

#3 – Allstate: Best for Accident Forgiveness

Pros

• Accident Forgiveness Program: Allstate offers an accident forgiveness program, which means that your first accident won’t raise your premium, making it an ideal choice for cautious drivers who want peace of mind.
• Wide Range of Coverage Options: Allstate provides extensive coverage options, including roadside assistance, rental reimbursement, and gap coverage, to fit various needs.
• Generous Bundling Discounts: Like other top providers, Allstate offers up to a 25% discount when you bundle auto insurance with other policies.

Cons

• Premiums Can Be Higher: For drivers with a poor credit score or a history of accidents, Allstate premiums may be higher compared to some other insurers in Lewiston.
• Complicated Policy Options: With a wide variety of coverage options, navigating Allstate’s offerings can sometimes be overwhelming, especially for first-time buyers.

#4 – Progressive: Best for Snapshot Savings

Pros

• Snapshot Program: Progressive’s Snapshot program allows drivers to save based on their driving habits, offering discounts for safe driving behaviors tracked via a mobile device.
• Competitive Rates: Progressive is known for offering competitive rates, with affordable premiums starting around $40 per month for minimum coverage.
• Wide Range of Discounts: Progressive offers multiple discounts, including for bundling, safe driving, and good students, making it easier to lower your premium.

Cons

• Premium Increases After Claims: While Progressive is generally affordable, some drivers may see an increase in premiums after filing a claim, especially for more serious accidents.
• Limited Customer Service Options: Some customers report difficulty in getting personalized service or having issues with claims handling, particularly during high-traffic periods.

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#5 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing Deductible: Nationwide’s unique Vanishing Deductible program rewards safe driving by reducing your deductible by $100 every year you are accident-free, which can be a big savings over time.
• Strong Customer Satisfaction: With an A+ rating from A.M. Best, Nationwide is known for its excellent customer service and claims support.
• Competitive Bundling Discounts: Nationwide offers up to a 20% discount for bundling auto insurance with other policies like home or life insurance.

Cons

• Not the Cheapest Option for Young Drivers: Nationwide may not offer the lowest premiums for younger or less experienced drivers in Lewiston.
• Limited Availability of Some Discounts: Some of Nationwide’s best discounts, such as the Vanishing Deductible, may not be available in all states or areas.

#6 – Liberty Mutual: Best for Bundling Discounts

Pros

• Strong Bundling Options: Liberty Mutual offers up to 25% off when you bundle auto insurance with other policies, including home, renters, and life insurance, providing substantial savings for multi-policy customers.
• Customizable Coverage Options: Liberty Mutual provides a wide array of coverage options, allowing you to tailor your policy to meet your specific needs, including adding accident forgiveness and new car replacement.
• Competitive Pricing: Liberty Mutual’s auto insurance policies are affordable, especially when bundling with other types of insurance.

Cons

• Customer Service Complaints: Some customers have reported dissatisfaction with Liberty Mutual’s customer service, particularly in terms of claims handling and resolution speed.
• Higher Rates for Drivers with Poor Credit: Similar to other insurers, Liberty Mutual’s premiums may be higher for drivers with poor credit, which can affect affordability for some customers.

#7 – Amica: Best for Dividend Payments

Pros

• Dividend Payments: Amica offers a unique feature where policyholders can receive dividends, which can help lower premiums or be refunded, providing long-term savings.
• High Customer Satisfaction: Amica consistently receives high marks for customer service and claims handling, ensuring a positive experience for its policyholders.
• Generous Bundling Discounts: With a 30% discount for bundling auto insurance with other policies, Amica provides substantial savings for customers looking to consolidate their insurance needs.

Cons

• Limited Coverage for High-Risk Drivers: Amica may not be the best option for drivers with a history of accidents or traffic violations, as it might not offer the most affordable premiums for these individuals.
• Higher Rates for New Customers: New customers may find that initial premiums are higher than those offered by some competitors, although long-term savings through dividends can offset this.

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#8 – The Hanover: Best for Local Agent Support

Pros

• Personalized Service from Local Agents: The Hanover provides access to a network of local agents who can help you tailor your policy and provide personalized customer service.
• Strong Reputation for Claims Handling: Known for its reliable claims process, The Hanover ensures that customers are supported quickly and efficiently when making claims.
• Competitive Discounts: The Hanover offers several discounts, including bundling, safe driving, and loyalty discounts, making it easier to save on premiums.

Cons

• Limited National Reach: While The Hanover excels locally, it may not offer as many resources or benefits for policyholders outside of certain regions.
• Higher Premiums for Younger Drivers: Like many insurers, The Hanover’s rates may be higher for younger drivers, particularly those without a long driving history.

#9 – Safeco: Best for High-Risk Drivers

Pros

• Coverage for High-Risk Drivers: Safeco specializes in providing insurance for high-risk drivers, offering competitive rates for those with poor driving records or limited experience.
• Affordable Premiums for Basic Coverage: Safeco offers affordable premiums for drivers in Lewiston, with rates starting around $30 per month for minimum coverage.
• Strong Discount Opportunities: Safeco offers various discounts, including for bundling and safe driving, making it easy for customers to reduce their overall costs.

Cons

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

#10 – Travelers: Best for Comprehensive Coverage

Pros

• Comprehensive Coverage Options: Travelers offers an extensive range of comprehensive coverage options, including roadside assistance, rental car reimbursement, and new car replacement.
• Strong Financial Stability: With an A++ rating from A.M. Best, Travelers has the financial strength to quickly handle claims and provide reliable service.
• Wide Network of Repair Shops: Travelers has partnerships with a large network of auto repair shops, ensuring that your vehicle will be repaired efficiently and cost-effectively.

Cons

• Higher Rates for Certain Demographics: Travelers may not offer the most affordable premiums for younger drivers or those with a history of accidents.
• Limited Discount Opportunities: While Travelers offers discounts, they may not be as extensive as those provided by some of its competitors.

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.

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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.

 

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.

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

 

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.

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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.