Lewiston Insurance Rates:

Lewiston, ID home insurance is nearly $435 to $589, about $36-$49/month. Our thorough analysis indicates shoppers can save as much as $204 by getting different quotes

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Lewiston Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $170/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

5 Beds, 5 Bath 1820 sqft Vacation Property Constructed In 1963 with Carpet Flooring, Slate Shingles Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Swimming Pool, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Married Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $160/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $360,000

5 Beds, 5 Baths 4360 sqft Vacation Property Constructed In 1948 with Ceramic Tile Flooring, Composition Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Fireplace, Copper Water Pipes, Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $250/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $165,000

2 Beds, 2 Bath 1490 sqft Seasonal Residence Constructed In 2009 with Ceramic Tile Flooring, Wood Shake Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Deadbolt Locks, Central Air Conditioning, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Divorced Female who has a Full Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

Home Insurance Rate of $290/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

2 Beds, 2 Bath 1470 sqft Vacation Property Constructed In 1980 with Wood Flooring, Membrane Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Married Male who is a Freelancer with household income of $50-$75,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

Home Insurance Rate of $320/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $350,000

4 Beds, 4 Baths 3110 sqft Vacation Property Constructed In 1948 with Hardwood Flooring, Membrane Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Swimming Pool, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

56 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $700/10 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $345,000

4 Beds, 4 Bath 3290 sqft Rental Property Constructed In 2008 with Linoleum, Asphalt Shingles Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Divorced Male who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $110/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $380,000

5 Beds, 5 Baths 3840 sqft Seasonal Residence Constructed In 2007 with Stone Flooring, Metal Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Fire Extinguisher, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $40/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $270,000

4 Beds, 4 Baths 2660 sqft Primary Residence Constructed In 1983 with Stone Flooring, Slate Shingles Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $210/7 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Bath 1440 sqft Rental Property Constructed In 2006 with Wood Flooring, Metal Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Central Air Conditioning, Fire Extinguisher, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Married Male who has a Full Time Job with household income of $100-$150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Lewiston Rates & Quotes Analysis:

Lewiston Area Estimated House Insurance
8th Ave N, Mountain Dr, North St, Park Dr, Red Fir Ln, Vista Ave, 10th Ave, Echo Hills Dr, Central Grade, 12th St C$506
554 Rd, Hemlock Ave, 12th Ave, Snake River Grade, Dawn Ln, 24th St, Morscheck Rd, Reservoir Dr, Waha Rd, Cherokee Ln$531
Basalt Ln, 27th St, Clearwater Ave, Karin Ct, 7th St E, 170 Rd, Gaslite Ct, Diamond Dr, Forest Hill Ln, Evergreen Ln$499
15th Ave, Seaport Ct, 536 Rd, 8th St E, 13th St C, Powell Rd, Knoll Crest Ct, Par Ct, Volmer Rd, 10th Ave$524
29th St, Whitney Ln, Knoll Crest Dr, Daffodil Ln, Hawthorne St, Bryden Ct, Ten Mile Canyon, Yellow Pine Rd, Lakeview Dr, N Viewpoint Dr$530

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,344 Homes (15% of total) built between 1939 or earlier in Lewiston are paying home insurance between $1,093-$1,101 and differs from Clarkston Heights-Vineland(WA) (+$165), West Clarkston-Highland(WA) (+$147), Asotin(WA) (+$194), Sweetwater (-$50) and Winchester (-$32).
  • Bedrooms: 2,651 4 bedrooms homes (17% of total homes ) in Lewiston are paying about $670 compared to Moscow (+$15), Latah County (+$8), Elk River (+$9), Sweetwater (-$26) and Winchester (-$19).
  • Auto Insurance Bundling: 3,608 Households (38% of all households) in Lewiston have 2 vehicles available and when it is bundled with home insurance you can save $102. Discounts for similar bundling in close by locations such as Nez Perce County, Sweetwater, Winchester come to $102, $97, $99 respectively.
  • Senior Discounts: 4,881 seniors (more than 55 years) occupied housing units (52% of total) in Lewiston get discounts between $76 to $78. The comparative concessions in proximate regions such as Nez Perce County, Sweetwater and Winchester are $76, $73 and $74 respectively.
  • New Homes discounts: New homes such as the 5,733 homes built between 2000 to 2009 in Lewiston can save $102 and similar new home insurance discounts in nearby towns and cities like Nez Perce County, Sweetwater and Winchester are $102, $97 and $99 respectively.

Lewiston Homeowners insurance Facts

  • Lewiston, ID has 9,386 owner occupied houses which is 66.2% of all units whereas Nez Perce County, Sweetwater and Winchester have 67.06%, 65.52% and 79.8% respectively.
  • Lewiston, ID homeowners yearly insurance price at $512 is 0.3% of the typical house value of $170,400 which is in contrast with 0.3% in Nez Perce County, 0.53% at Sweetwater & 0.4% in Winchester.
  • Homeowners in Lewiston, ID pay 1.37% of their income ($35,000 to $39,999) in insurance whereas homeowners in Nez Perce County, Winchester and Lapwai pay 1.37%, 1.33% and 1.31% respectively.
  • Lewiston, ID’s insurance is 3.5% of monthly housing costs of $1,215/month, for owners with a mortgage compared to 3.56% in Nez Perce County, 4.07% at Winchester & 4.78% in Lapwai. But, for households without a mortgage, insurance is 11.5% of costs ($370 in Lewiston, ID) in contrast with 12.02% in Nez Perce County, 14.53% at Winchester & 17.01% in Lapwai.

Lewiston, ID Home Values & Insurance rates

For example, insurance for 1,603 Homes (18.0% of total homes ) valued between $150,000 to $174,999 in Lewiston, ID is about $486. Rates in nearby areas in such as Clarkston Heights-Vineland, Asotin, Moscow are cheaper by $33, $114, $79 respectively while Nez Perce County and Sweetwater are costlier by $5 and $368 respectively for similar homes.

Lewiston, ID Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 618 6.0% $71
$60,000 to $69,999 109 1.0% $194
$80,000 to $89,999 234 2.0% $250
$90,000 to $99,999 343 3.0% $281
$100,000 to $124,999 875 9.0% $327
$125,000 to $149,999 1,061 11.0% $409
$150,000 to $174,999 1,603 18.0% $486
$175,000 to $199,999 1,081 12.0% $563
$200,000 to $249,999 1,505 16.0% $675
$250,000 to $299,999 630 7.0% $824
$300,000 to $399,999 684 7.0% $1049

Renters Insurance in Lewiston

  • Average Renters Insurance in Lewiston :  $150($12/month)

  • Median Gross Rent in Lewiston :  $640

  • Lewiston Renters Insurance to Median Rent Ratio:  1.88%

  • Average household size of renter-occupied unit :  2.02

Lewiston Renters Insurance as a Percentage of Rent

Lewiston Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 79 1.0% $337
$200 to $299 478 10.0% $787
$300 to $499 810 17.0% $1237
$500 to $749 1,932 41.0% $1912
$750 to $999 838 18.0% $2662
$1,000 to $1,499 284 6.0% $3787
$1,500 or more 209 4.0% $5437

Rent Affordability in Lewiston:

Approximately 34.0% (1,673) of households are spending more than 35% of their income on gross rent in Lewiston

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 594 12.0%
15.0 to 19.9 percent 794 16.0%
20.0 to 24.9 percent 644 13.0%
25.0 to 29.9 percent 655 13.0%
30.0 to 34.9 percent 424 8.0%
35.0 percent or more 1,673 34.0%

Lewiston Renters Insurance Discounts:

Lewiston Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Lewiston, ID Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 2,058 43.0% $15.0
2 vehicles available 1,419 29.0% $22.5
3 or more vehicles available 571 11.0% $30.0

Lewiston Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 178 3.0% $64
60 to 64 years 336 7.0% $51
65 to 74 years 439 9.0% $41
75 years and over 561 11.0% $32

Protective device discount in Lewiston Up to :  $22

Claims-free discount in Lewiston Up to :  $30