Best Lorain, Ohio Auto Insurance in 2024
The average Lorain, OH auto insurance rates are $227 per month. The minimum auto insurance in Lorain is at least 25/50/25 in coverage to comply with Ohio auto insurance laws. To find the best cheap auto insurance in Lorain, Ohio, compare quotes from multiple companies.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Sep 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The average commute length in Lorain is 23.7 minutes
- The most expensive auto insurance company in Lorain for teen drivers is Liberty Mutual
- The cheapest auto insurance company in Lorain is USAA
Lorain, Ohio auto insurance requirements are 25/50/25 according to Ohio auto insurance laws. Finding cheap auto insurance in Lorain can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Lorain, Ohio, including driving record, credit, commute time, and more.
Compare auto insurance in Lorain to other Ohio cities, including Cleveland auto insurance rates, Lorain auto insurance rates, and Columbus auto insurance rates to see how Lorain, Ohio auto insurance rates stack up.
Before you buy Lorain, Ohio auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Lorain, Ohio auto insurance quotes.
Minimum Auto Insurance in Lorain, Ohio
Lorain, Ohio auto insurance laws require that you have at least the Ohio minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Lorain, Ohio.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Lorain, Ohio Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Lorain, Ohio are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $1,972 | $1,959 | $1,793 | $1,915 | $5,541 | $6,323 | $2,049 | $2,173 |
| American Family | $960 | $995 | $888 | $890 | $3,140 | $3,403 | $1,193 | $1,256 |
| Farmers | $1,745 | $1,747 | $1,534 | $1,623 | $8,079 | $8,429 | $1,956 | $2,033 |
| Geico | $1,243 | $1,215 | $1,186 | $1,216 | $3,364 | $3,122 | $1,377 | $1,157 |
| Liberty Mutual | $1,886 | $2,059 | $1,447 | $1,768 | $10,070 | $11,368 | $1,991 | $2,168 |
| Nationwide | $2,112 | $2,119 | $1,912 | $1,921 | $5,500 | $7,057 | $2,258 | $2,617 |
| Progressive | $1,697 | $1,587 | $1,416 | $1,464 | $7,761 | $8,739 | $2,015 | $2,089 |
| State Farm | $1,468 | $1,468 | $1,325 | $1,325 | $4,736 | $5,950 | $1,709 | $1,956 |
| Travelers | $1,418 | $1,437 | $1,421 | $1,410 | $6,249 | $9,865 | $1,483 | $1,675 |
| USAA | $811 | $817 | $775 | $772 | $2,509 | $2,788 | $1,080 | $1,161 |
Cheap Lorain, Ohio Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Lorain, Ohio is a challenge. Take a look at the annual teen auto insurance rates in Lorain, Ohio.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $5,541 | $6,323 |
| American Family | $3,140 | $3,403 |
| Farmers | $8,079 | $8,429 |
| Geico | $3,364 | $3,122 |
| Liberty Mutual | $10,070 | $11,368 |
| Nationwide | $5,500 | $7,057 |
| Progressive | $7,761 | $8,739 |
| State Farm | $4,736 | $5,950 |
| Travelers | $6,249 | $9,865 |
| USAA | $2,509 | $2,788 |
Cheap Lorain, Ohio Auto Insurance for Seniors
What are senior auto insurance rates in Lorain, Ohio? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,793 | $1,915 |
| American Family | $888 | $890 |
| Farmers | $1,534 | $1,623 |
| Geico | $1,186 | $1,216 |
| Liberty Mutual | $1,447 | $1,768 |
| Nationwide | $1,912 | $1,921 |
| Progressive | $1,416 | $1,464 |
| State Farm | $1,325 | $1,325 |
| Travelers | $1,421 | $1,410 |
| USAA | $775 | $772 |
Cheap Lorain, Ohio Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Lorain, Ohio compared to the annual auto insurance rates with a clean record in Lorain, Ohio.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,478 | $3,017 | $3,552 | $2,815 |
| American Family | $1,523 | $1,613 | $1,613 | $1,613 |
| Farmers | $2,799 | $3,609 | $3,520 | $3,644 |
| Geico | $1,172 | $1,696 | $2,488 | $1,584 |
| Liberty Mutual | $3,433 | $4,426 | $4,508 | $4,011 |
| Nationwide | $2,564 | $3,248 | $4,106 | $2,830 |
| Progressive | $2,882 | $3,932 | $3,075 | $3,494 |
| State Farm | $2,262 | $2,723 | $2,492 | $2,492 |
| Travelers | $2,288 | $2,994 | $4,529 | $2,669 |
| USAA | $1,028 | $1,379 | $1,812 | $1,138 |
Cheap Lorain, Ohio Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Lorain, Ohio is not easy. Compare the annual rates for DUI auto insurance in Lorain, Ohio to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $3,552 |
| American Family | $1,613 |
| Farmers | $3,520 |
| Geico | $2,488 |
| Liberty Mutual | $4,508 |
| Nationwide | $4,106 |
| Progressive | $3,075 |
| State Farm | $2,492 |
| Travelers | $4,529 |
| USAA | $1,812 |
Cheap Lorain, Ohio Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Lorain, Ohio annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,803 | $2,780 | $2,314 |
| American Family | $2,117 | $1,438 | $1,217 |
| Farmers | $3,830 | $3,253 | $3,097 |
| Geico | $2,079 | $1,735 | $1,391 |
| Liberty Mutual | $5,853 | $3,604 | $2,826 |
| Nationwide | $3,843 | $3,099 | $2,619 |
| Progressive | $3,740 | $3,253 | $3,045 |
| State Farm | $3,552 | $2,195 | $1,730 |
| Travelers | $3,486 | $3,036 | $2,838 |
| USAA | $1,733 | $1,232 | $1,052 |
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Cheap Lorain, Ohio Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Lorain, Ohio can vary. Compare the annual cost of auto insurance by ZIP code in Lorain, Ohio to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 44052 | $2,624 |
| 44053 | $2,584 |
| 44055 | $2,648 |
Cheap Lorain, Ohio Auto Insurance Rates By Commute
Commute length and annual mileage affect Lorain, Ohio auto insurance. Find the cheapest annual Lorain, Ohio auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $2,966 | $2,966 |
| American Family | $1,571 | $1,610 |
| Farmers | $3,393 | $3,393 |
| Geico | $1,705 | $1,765 |
| Liberty Mutual | $4,094 | $4,094 |
| Nationwide | $3,187 | $3,187 |
| Progressive | $3,346 | $3,346 |
| State Farm | $2,428 | $2,556 |
| Travelers | $3,120 | $3,120 |
| USAA | $1,289 | $1,390 |
Cheap Lorain, Ohio Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Lorain, Ohio? Check out the comparison of annual Lorain, Ohio auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $2,846 | $2,959 | $3,092 |
| American Family | $1,556 | $1,603 | $1,613 |
| Farmers | $3,189 | $3,332 | $3,660 |
| Geico | $1,668 | $1,725 | $1,812 |
| Liberty Mutual | $3,917 | $4,119 | $4,247 |
| Nationwide | $3,499 | $3,091 | $2,971 |
| Progressive | $3,173 | $3,310 | $3,555 |
| State Farm | $2,352 | $2,501 | $2,624 |
| Travelers | $3,029 | $3,162 | $3,169 |
| USAA | $1,276 | $1,338 | $1,404 |
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Best By Category: Cheapest Auto Insurance in Lorain, Ohio
Compare the cheapest auto insurance companies in Lorain, Ohio in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | American Family |
| With 1 Speeding Violation | USAA |
The Cheapest Lorain, Ohio Auto Insurance Companies
What auto insurance companies in Lorain, Ohio are the cheapest? Compare the top Lorain, Ohio auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $2,966 |
| American Family | $1,590 |
| Farmers | $3,393 |
| Geico | $1,735 |
| Liberty Mutual | $4,094 |
| Nationwide | $3,187 |
| Progressive | $3,346 |
| State Farm | $2,492 |
| Travelers | $3,120 |
| USAA | $1,339 |
What affects auto insurance rates in Lorain, Ohio?
There are a lot of reasons why auto insurance rates in Lorain, Ohio are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lorain, Ohio. Many local factors may affect your Lorain auto insurance rates.
Lorain Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lorain, Ohio commute length is 23.7 minutes according to City-Data.
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Compare Lorain, Ohio Auto Insurance Quotes
Before you buy Lorain, Ohio auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Lorain, Ohio auto insurance quotes.
Frequently Asked Questions
What are the minimum auto insurance requirements in Lorain, Ohio?
According to Ohio auto insurance laws, the minimum auto insurance coverage required in Lorain, Ohio is 25/50/25. This means you must have at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.
How can I find cheap auto insurance in Lorain, Ohio?
To find the best cheap auto insurance in Lorain, Ohio, it is recommended to compare quotes from multiple companies. By comparing rates, you can identify the most affordable options for your specific needs. You can use online tools or contact insurance agents to gather and compare quotes.
How do age, gender, and marital status affect auto insurance rates in Lorain, Ohio?
Age, gender, and marital status can impact auto insurance rates in Lorain, Ohio. Generally, young drivers and teenage drivers tend to have higher rates due to their lack of driving experience. Additionally, male drivers may have higher rates compared to female drivers. Married individuals often receive lower rates as they are considered to be more responsible.
Are there any discounts available for teen drivers in Lorain, Ohio?
Finding cheap auto insurance for teen drivers in Lorain, Ohio can be challenging. However, some insurance companies offer discounts for teen drivers who have completed driver’s education courses, maintain good grades, or drive vehicles with safety features. It’s recommended to inquire with insurance providers about available discounts.
How does driving record affect auto insurance rates in Lorain, Ohio?
Your driving record has a significant impact on your auto insurance rates in Lorain, Ohio. Having a clean driving record with no accidents or traffic violations generally leads to lower insurance premiums. On the other hand, a history of accidents, speeding tickets, or DUI convictions can result in higher rates. It’s important to maintain a safe driving record to secure lower insurance premiums.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.