Best Lewiston, ME Auto Insurance in 2025
The best Lewiston, ME auto insurance comes from State Farm, Geico, and Allstate. State Farm is the top pick at $82/month, with Geico at $76/month and Allstate at $90/month. These companies offer great rates and dependable coverage, making them the best choices for auto insurance in Lewiston.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
UPDATED: Jan 28, 2025
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Frequently Asked Questions
What are the top auto insurance companies in Lewiston, ME?
State Farm, Geico, and Allstate are the best auto insurance companies in Lewiston, ME. These providers offer competitive rates and reliable coverage options to residents of Lewiston, Maine.
How much is auto insurance in Lewiston, ME?
In Lewiston, ME, State Farm offers the best rates at approximately $82/month, followed by Geico at $76/month and Allstate at $90/month. Rates can vary based on coverage and individual circumstances.
What auto insurance coverage is required by law in Lewiston, ME?
Maine law requires drivers to have liability insurance to cover injuries and damages from accidents. Additionally, uninsured and underinsured motorist coverage is mandatory, with minimum limits of $50,000 per person and $100,000 per accident.
What discounts can I get on auto insurance in Lewiston, ME?
In Lewiston, ME, many providers offer safe driver discounts, multi-policy bundles, good student discounts, and eco-friendly car discounts. Each provider may have specific offers based on your driving habits and vehicle features.
How does my ZIP code affect my auto insurance rate?
Your ZIP code plays a significant role in determining your auto insurance premium. Areas with higher traffic, accidents, or theft rates tend to have higher insurance costs. Conversely, quieter neighborhoods with fewer risks may result in lower rates.
What factors influence my auto insurance rate in Lewiston, ME?
Key factors influencing auto insurance rates include your driving record, vehicle model, age, credit score, and how often you drive. Accidents, traffic violations, and even the type of car you drive can impact your rates.
Can I lower my auto insurance premiums in Lewiston, ME?
Yes, you can lower your premiums by maintaining a clean driving record, bundling policies, driving fewer miles, and taking advantage of discounts. Adjusting your coverage level or increasing your deductible can help reduce costs.
What type of coverage should I consider in Lewiston, ME?
It’s recommended to have more than just basic liability coverage. Consider adding collision, comprehensive, and medical payment coverage for added protection. The right coverage depends on your needs and budget; some companies allow customized plans.
How does my credit score affect my auto insurance rates in Lewiston, ME?
Insurance companies use your credit score to assess risk. Drivers with higher credit scores typically pay lower premiums, while those with lower credit scores may face higher rates. Improving your credit score can help you secure better rates.
How does my age impact auto insurance rates in Lewiston, ME?
Age is an important factor in determining auto insurance premiums. Younger drivers, especially those under 25, often face higher rates due to inexperience. Older drivers may qualify for lower rates but can see an increase if over 50 due to factors like slower reflexes or health concerns.