Car Insurance in Lewiston
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Driving in Lewiston, ID
Located in Idaho's north-central region. Lewiston is a city in Nez Perce County. It is the second-largest city in the area and the ninth-largest in the state. The city is at the junction of the Clearwater and Snake Rivers, with the Snake River forming the state's western boundary with Washington and the Clearwater River defining the city's northern border. Because of the geography of Lewiston, it is home to Idaho's only seaport.
The city has a population of 33,964 residents with a median age of 39.8 and an average household income of $60,581. Most families in the city own a minimum of two vehicles, which is consistent with national averages. Also, as most residents are working professionals, commuting is a typical part of daily life, with the average resident commuting 15.9 minutes daily.
Lewiston is also home to one of the most unique roadways in the country: Old Spiral Highway. AKA Lewiston Hill. Initially built in 1917, it only has two lanes and consists of 64 curves, climbing 2,756 ft. The road was the main route out of Lewiston for 60 years. Today, there are several roadways out and around the Lewiston area, many of which are much safer than the old curvy highway.
The Importance of Car Insurance in Lewiston
According to data collected by the Idaho Transportation Department in 2021, the state experienced a total of 27,547 car accidents, with 18,638 resulting in property damage only and another 8,665 resulting in injury. Car insurance can help protect vehicle owners from financial hardships resulting from accidents.
Car insurance can protect vehicle owners from liability claims and provide financial assistance to help pay for medical bills from accident-related injuries. Also, a comprehensive policy can protect vehicle owners from non-collision property damage, such as theft, vandalism, fire, natural disasters, falling objects, and animals.
Idaho Insurance Minimums
Idaho doesn't require vehicle owners to have or maintain comprehensive auto insurance coverage. At a minimum. the state requires liability coverage to protect other drivers and passengers. Idaho law requires vehicle owners to maintain minimum bodily injury liability coverage of $25,000 per person and $50,000 per accident.
Also, vehicle owners must have property damage liability coverage. The minimum coverage requirement is $15,000. Higher limits for property damage and bodily injury liability are usually available for insurers.
Average Cost of Car Insurance in Lewiston
The cost of car insurance coverage in Lewiston is an average of $983 annually. slightly below the state average. Your premiums depend on several factors, including your driving record and credit history. Also, the car's age, mileage, and location can play a role in rates and costs.
When considering insurance costs, you must look at coverage options and available transportation. If you have access to a public transportation network, you can play it safe with car insurance, likely settling for minimum requirements. Thankfully, Lewiston has a healthy transit system.
Using VIU by HUB To Find Affordable Insurance
Finding car insurance in Lewiston can feel overwhelming because of the number of choices. VIU by HUB provides an excellent tool that allows you to review the coverages, benefits, and premiums of multiple insurers simultaneously, making it easy for you to pick an option that meets state requirements and fits your budget.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
Sources
Old Spiral Highway is Idaho's Windiest Road