Lewiston, ID
Insuring your car and home in Lewiston, ID
Commute, vehicle, and housing data for Lewiston, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Lewiston has about 34,693 residents in Nez Perce County. 80% of its workers drive to work alone and 67% of households own their home, so most families here need both a car policy and a homeowners policy.
How Lewiston gets around
| Measure | Lewiston | Idaho |
|---|---|---|
| Drive alone to work | 80% | 73% |
| Carpool | 6% | 9% |
| Work from home | 10% | 13% |
| Commute of 45 minutes or more | 6% | 11% |
| Commute under 15 minutes | 57% | 37% |
| Households with no vehicle | 7% | 4% |
| Households with 3 or more vehicles | 30% | 33% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
About 6% of Lewiston commuters travel 45 minutes or more each way (Idaho: 11%). More time on the road means more exposure, which is why insurers ask how far and how often each car is driven.
Fewer Lewiston workers telecommute (10%) than the state average, which means more cars on the road at rush hour.
Vehicle counts vary: 30% of households in Lewiston have at least three vehicles (Idaho: 33%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
The Lewiston homeowners picture
Homes in Lewiston carry a median value of $333,700 and a median construction year of 1971. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
NAIC data for 2023 show Idaho HO-3 policyholders with $325,000–$349,999 of dwelling coverage paying an average of $972; the all-amounts state average was $1,135.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Legal minimums on the road in Lewiston
The state minimum is 25/50/15. Additional requirement: none beyond liability. See our state minimums guide for how these compare across our ten states.
Bundling auto and home in Lewiston
A bundle can simplify life in Lewiston: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
What can go wrong in Lewiston
Around Lewiston, two exposures stand out: hail on the Snake River Plain and heavy snow. Flood is excluded from both standard auto liability and homeowners policies unless you buy comprehensive (for the car) and a separate flood policy (for the house).
County hazard detail: FEMA National Risk Index.
Neighboring cities and Lewiston
In Boise, 63% own their home and 22% of households have three or more vehicles. Meridian shows 19% working from home and a median home value of $531,600. Nampa: 74% drive alone, 11% commute 45+ minutes, median home $370,800. Lewiston ranks 11th for long commutes among the 15 Idaho cities we profile.
What to have ready for a Lewiston quote
- Liability limits you want
- Current declarations pages for auto and home
- Home details: size, age, construction
- Everyone in the household who drives
- VINs from registrations or the dashboard
- Roof age and material
Lewiston auto and home insurance FAQ
What auto insurance is required in Lewiston?
Idaho requires liability of 25/50/15; none beyond liability.
How long are commutes in Lewiston?
About 6% of Lewiston workers commute 45 minutes or more and 57% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Lewiston?
There is no single price. As context, Idaho HO-3 policies averaged $1,135 in 2023 (NAIC), and averages rise with dwelling coverage.
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Auto and home insurance in Idaho
Last updated October 15, 2026 · How we research