Lewiston drivers pay an average of $1,249/year — $522 less than the national average. With 429 crashes per year and a 2.1 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $397/year.
(888) 217-6781Estimated full coverage auto insurance rates for Lewiston, ME from top carriers. Rates are adjusted for Lewiston's 429 annual crashes, 2.1 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $412 | $69/mo |
| GEICO | $476 | $79/mo |
| Progressive | $534 | $89/mo |
| State Farm | $587 | $98/mo |
| Allstate | $709 | $118/mo |
Estimates based on 2026 rate filings for ZIP 04210. USAA is cheapest at ~$69/mo. Actual rates vary by driver profile and exact Lewiston location.
These Lewiston-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Lewiston, ME. Takes under 2 minutes.
(888) 217-6781Lewiston is a smaller city in Maine with a population of 37,121. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as blizzards, nor'easters, ice, wildlife crossings, coastal storms, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Lewiston.
For official Maine insurance regulations, visit the Maine Bureau of Insurance. For driver licensing, see the Maine BMV.
Your specific ZIP code within Lewiston can swing your premium by hundreds of dollars. Here's how rates compare across Lewiston neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 04213 | Lewiston South Side | $1,198/yr | $100/mo |
| 04213 | Lewiston North Side | $1,205/yr | $100/mo |
| 04230 | Lewiston West Side | $1,240/yr | $103/mo |
| 04214 | Lewiston East Side | $1,253/yr | $104/mo |
| 04210 | Lewiston Downtown/Central | $1,361/yr | $113/mo |
The cheapest ZIP is 04213 (Lewiston South Side) at $1,198/yr. The most expensive is 04210 (Lewiston Downtown/Central) at $1,361/yr — a $163/year difference for the same driver.
Your Lewiston ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Lewiston. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $2,623/yr | $219/mo | +110% vs avg |
| Young Adult (20-25) | $1,749/yr | $146/mo | +40% vs avg |
| Adult (26-35) | $1,249/yr | $104/mo | 0% vs avg |
| Mid-Career (36-50) | $1,099/yr | $92/mo | -12% vs avg |
| Senior (51-65) | $1,037/yr | $86/mo | -17% vs avg |
| 65+ | $1,112/yr | $93/mo | -11% vs avg |
Teens in Lewiston pay an average of $2,623/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,037/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Maine cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Lewiston drivers can save up to $397/year. ZIP 04213 (Lewiston South Side) has the lowest rates starting at $1,198/yr.
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