For a 40-year-old driver with a clean record, Lewiston car insurance averages about $157 a month ($1,887 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 3% above the Idaho average of $153 a month. Full-coverage averages in Lewiston run from about $94 to $248 a month across the five insurers we price.
Lewiston costs a little more than the Idaho average for our benchmark driver: about $4 a month more, and about $9 a month more than Coeur d’Alene.
The spread between insurers is the widest of the 12 Idaho cities we publish guides for: Allstate’s Lewiston average is about $154 a month more than State Farm’s for the same driver and car. Our data uses the city’s one ZIP code, 83501.
Cost data comes from the auto rates insurers file with state regulators, priced in Lewiston’s ZIP code, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 1, 2026.
How Much Is Car Insurance in Lewiston, ID?
Full coverage in Lewiston averages $1,887 a year, or about $157 a month, for our benchmark driver. Liability-only coverage at Idaho’s 25/50/15 minimum averages $480 a year ($40 a month), and 50/100/50 liability with comprehensive and collision averages $1,889 ($157 a month).
- Full coverage (100/300/100, $500 deductibles): $1,887 a year ($157 a month)
- 50/100/50 with $500 deductibles: $1,889 a year ($157 a month)
- Liability only (25/50/15): $480 a year ($40 a month)
- Nez Perce County: $1,887 a year ($157 a month) for full coverage
- Idaho average: $1,841 a year ($153 a month) for full coverage
Cheap Car Insurance in Lewiston: Companies Compared
- Full-coverage range: about $94 to $248 a month across the five insurers in our rate data, for the same driver and car.
- Lowest liability-only average among the insurers we price (25/50/15): State Farm, at about $23 a month, then Safeco at $28.
- Also on our list: USAA at about $75 a month, GEICO at $115, Auto-Owners at $125, Travelers at $150 and Nationwide at $152 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $248 a month.
State Farm’s Lewiston average, about $94 a month, is 31% below Safeco’s ($137), a lead wide enough that we show the range instead of naming a single cheapest insurer. The recent statewide Idaho rate studies we reviewed don’t agree on which insurer is cheapest for full coverage. Leaving out USAA, which sells only to military families, GEICO, State Farm and Auto-Owners each come out first in two of the eight, and American National and Travelers in one each. For liability-only coverage at 25/50/15 limits, State Farm has the lowest average among the insurers we price, at about $23 a month, followed by Safeco at $28.
Full-coverage averages by insurer in Lewiston
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/15 (Yearly): | Minimum Liability 25/50/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| State Farm | $270 | $23 | $1,124 | $94 |
| Safeco | $340 | $28 | $1,644 | $137 |
| Farmers | $653 | $54 | $1,830 | $153 |
| Idaho Farm Bureau | $389 | $32 | $1,869 | $156 |
| Allstate | $750 | $63 | $2,970 | $248 |
| USAA (military families)* | $256 | $21 | $902 | $75 |
| GEICO* | $325 | $27 | $1,374 | $115 |
| Auto-Owners* | $318 | $27 | $1,500 | $125 |
| Travelers* | $502 | $42 | $1,802 | $150 |
| Nationwide* | $859 | $72 | $1,822 | $152 |
| Lewiston average | $480 | $40 | $1,887 | $157 |
This table uses Lewiston’s ZIP code only. See how we calculated these rates.
Your ZIP code matters
Does Better Coverage Cost More in Lewiston?
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Lewiston data: with the same $500 deductibles, full coverage averages $1,887 a year and 50/100/50 averages $1,889. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate, Farmers and Safeco charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Lewiston?
Yes, for our benchmark driver. Comparing the same insurers in the same Lewiston ZIP code, full coverage averaged $1,844 a year in rates as of Nov. 30, 2025, and $1,887 as of Aug. 31, 2026, a 2.3% increase. Allstate raised its average 4.9%, State Farm 2.9% and Farmers 2.6%, while Idaho Farm Bureau’s and Safeco’s averages were unchanged. Liability-only coverage at 25/50/15 limits rose 7.9%, led by Farmers, which raised its liability-only average 18.7%.
What Shapes Car Insurance Costs in Lewiston
Nez Perce County averages about $157 a month for full coverage, the 17th-most expensive of the 32 Idaho counties we price. Lewiston sits on the Washington line, where the Snake and Clearwater rivers meet, but Idaho rules and prices apply to cars registered here.
Moscow, north in Latah County, averages about $158 a month, about the same as Lewiston, while Grangeville, to the southeast in Idaho County, averages $169. Idaho insurers price by location as well as by driver and car, so your ZIP code can move your price.
How Lewiston Car Insurance Compares With Other Idaho Cities
More Idaho cities and towns are in the Idaho rates by city table, and you can compare states on our car insurance rates by state page.
Coeur d’Alene, about 90 miles north, averages $148 a month, and Post Falls $144.
What Car Insurance Is Required in Lewiston?
Drivers in Lewiston follow Idaho’s rules. Every registered vehicle must be covered by at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $15,000 per crash
Your policy also includes uninsured and underinsured motorist coverage at the same 25/50 limits unless you reject it in writing. Our Idaho requirements guide covers how the state checks your coverage and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Lewiston
- Quote several insurers. In our Lewiston data, the lowest and highest insurer averages are about $154 a month apart for the same driver and car.
- Ask which kind of underinsured motorist coverage you have. The Department of Insurance describes two forms: excess coverage pays on top of the at-fault driver’s limits, while difference-in-limits coverage is reduced by what you recover from the other driver’s insurer.
- Make sure your limits cover every driver. Liability coverage above Idaho’s minimum must give the same limits to everyone the policy covers and anyone allowed to drive the car, according to a Department of Insurance bulletin reissued in July 2026.
- Compare at every renewal. Since November 2025, Allstate has raised its average 4.9%, State Farm 2.9% and Farmers 2.6%, so the order in our table can shift.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See Idaho home insurance rates.
Ready to compare
How We Calculated Lewiston Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: five full-coverage premiums from five insurers in Lewiston’s ZIP code, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Idaho’s 25/50/15 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision.
- Calculation: for each insurer we take its lowest eligible price in Lewiston’s ZIP code. The overall average is the mean of those prices. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in that ZIP code and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied. An insurer marked * is named cheapest only when it’s priced below every insurer we rank and a published 2026 study we reviewed also ranks it cheapest.
- Rate changes: we compare the same insurer in the same ZIP code, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from recent published Idaho rate studies, scaled to our benchmark driver. They aren’t included in our averages.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Idaho law and the Idaho Department of Insurance. We refresh these figures when new rate data is released.
Lewiston Car Insurance FAQ
For our benchmark driver, full coverage in Lewiston averages about $157 a month ($1,887 a year) and liability-only coverage about $40 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 3% above the Idaho average of $153 a month.
It depends on the coverage. For full coverage, averages in Lewiston run from about $94 to $248 a month across the five insurers we price, and the gap between the two lowest is too wide for us to call one insurer the cheapest. For liability-only coverage, State Farm has the lowest average of the five insurers we price, at about $23 a month. The recent statewide Idaho rate studies we reviewed don’t agree on which insurer is cheapest for full coverage: leaving out USAA, GEICO, State Farm and Auto-Owners each come out first in two of the eight. Rates vary by driver, so compare quotes for your own car and ZIP code.
They’re about the same for our benchmark driver: Lewiston full coverage averages about $157 a month and Moscow about $158, about $1 a month apart.
Coeur d’Alene, for our benchmark driver. Lewiston full coverage averages about $157 a month and Coeur d’Alene about $148, a difference of about $9 a month for the same driver and car.
In our Lewiston data, full coverage (100/300/100 with $500 deductibles) averages about $157 a month and liability-only coverage at 25/50/15 limits about $40, a difference of about $117 a month ($1,407 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Yes, for our benchmark driver. Comparing the same insurers and ZIP code, Lewiston full coverage rose 2.3% between November 2025 and August 2026, from about $1,844 to $1,887 a year. Allstate raised its average 4.9%, State Farm 2.9% and Farmers 2.6%. Liability-only coverage at 25/50/15 limits rose 7.9%.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
