Buy Cheap Empire, OH Auto Insurance (2021)

Empire, OH auto insurance rates average $235 a month. Minimum auto insurance requirements in Empire, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Empire, OH, compare Empire auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Empire is Liberty Mutual
  • Average auto insurance rates in Empire, OH are $235/month
  • The most expensive auto insurance company in Empire after a DUI is Liberty Mutual

Finding affordable Empire, Ohio auto insurance can be challenging, but everything you need to know to buy cheap Empire, OH auto insurance with confidence is right here. Auto insurance rates in Empire are affected by local factors as well as personal ones like your driving record.

See how Empire, OH car insurance rates compare to Hamilton auto insurance rates, Lorain auto insurance rates, and Cleveland auto insurance rates before you read more about the cost of auto insurance in Empire.

Don’t buy Empire, OH auto insurance until you’ve compared rates. Get free Empire, Ohio auto insurance quotes when you enter your ZIP code above.

Empire, OH Minimum Auto Insurance Requirements

The required auto insurance in Empire, OH is 25/50/25 according to the auto insurance laws in Ohio. The minimum auto insurance in Empire, Ohio is outlined here.

Minimum Required Auto Insurance Coverage in Empire, 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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Find Cheap Empire, OH Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Empire, OH. Take a look at Empire, Ohio auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Empire, Ohio

Insurance Company Poor Fair Good
Allstate $4,120 $2,984 $2,499
American Family $1,980 $1,353 $1,146
Farmers $3,629 $3,055 $2,910
GEICO $2,249 $1,876 $1,502
Liberty Mutual $6,026 $3,678 $2,886
Nationwide $3,806 $3,068 $2,591
Progressive $4,053 $3,511 $3,283
State Farm $3,495 $2,160 $1,702
Travelers $3,423 $2,973 $2,775
USAA $2,468 $1,751 $1,493

Buy Cheap Empire, OH Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Empire, Ohio auto insurance rates? Find out how car insurance rates in Empire, OH are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Empire, Ohio

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 $2,162 $2,164 $1,934 $2,071 $5,835 $6,679 $2,295 $2,468
American Family $942 $979 $856 $861 $2,834 $3,082 $1,163 $1,226
Farmers $1,720 $1,720 $1,516 $1,595 $7,396 $7,689 $1,926 $2,021
GEICO $1,361 $1,320 $1,270 $1,280 $3,613 $3,362 $1,513 $1,286
Liberty Mutual $1,996 $2,182 $1,538 $1,870 $10,098 $11,420 $2,134 $2,337
Nationwide $2,139 $2,157 $1,923 $1,946 $5,252 $6,826 $2,301 $2,694
Progressive $1,851 $1,740 $1,539 $1,592 $8,324 $9,380 $2,210 $2,290
State Farm $1,499 $1,499 $1,332 $1,332 $4,530 $5,698 $1,737 $1,991
Travelers $1,433 $1,457 $1,414 $1,408 $6,029 $9,507 $1,489 $1,718
USAA $1,136 $1,145 $1,085 $1,080 $3,609 $4,013 $1,527 $1,637

Buy Cheap Empire, OH Auto Insurance for Teen Drivers

Auto insurance for teenagers in Empire can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Empire, OH are listed here.

Annual Auto Insurance Rates for Teen Drivers in Empire, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,835 $6,679
American Family $2,834 $3,082
Farmers $7,396 $7,689
GEICO $3,613 $3,362
Liberty Mutual $10,098 $11,420
Nationwide $5,252 $6,826
Progressive $8,324 $9,380
State Farm $4,530 $5,698
Travelers $6,029 $9,507
USAA $3,609 $4,013

Buy Cheap Empire, OH Auto Insurance for Seniors

You can save on senior auto insurance rates in Empire, Ohio by comparing Empire senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Empire, OH here.

Annual Auto Insurance Rates for Senior Drivers in Empire, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,934 $2,071
American Family $856 $861
Farmers $1,516 $1,595
GEICO $1,270 $1,280
Liberty Mutual $1,538 $1,870
Nationwide $1,923 $1,946
Progressive $1,539 $1,592
State Farm $1,332 $1,332
Travelers $1,414 $1,408
USAA $1,085 $1,080

Find Cheap Auto Insurance Rates in Empire, OH by Coverage Level

The amount of coverage you choose is a big factor in the cost of Empire, Ohio auto insurance. Compare Empire, OH auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Empire, Ohio

Insurance Company Low Medium High
Allstate $3,110 $3,195 $3,298
American Family $1,471 $1,504 $1,503
Farmers $3,041 $3,151 $3,402
GEICO $1,816 $1,867 $1,945
Liberty Mutual $4,048 $4,217 $4,327
Nationwide $3,495 $3,057 $2,912
Progressive $3,460 $3,582 $3,805
State Farm $2,346 $2,459 $2,552
Travelers $2,978 $3,097 $3,095
USAA $1,805 $1,902 $2,005

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Find Cheap Empire, OH Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Empire. Compare auto insurance rates in Empire, OH by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Empire, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,201 $3,201
American Family $1,475 $1,511
Farmers $3,198 $3,198
GEICO $1,841 $1,910
Liberty Mutual $4,197 $4,197
Nationwide $3,155 $3,155
Progressive $3,616 $3,616
State Farm $2,393 $2,512
Travelers $3,057 $3,057
USAA $1,830 $1,978

Find Cheap Empire, OH Auto Insurance Rates by Driving Record

Auto insurance rates in Empire, Ohio are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Empire, OH, take a look at the average cost for various violations versus rates for a clean driving record in Empire.

Annual Empire, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,710 $3,258 $3,789 $3,048
American Family $1,431 $1,514 $1,514 $1,514
Farmers $2,643 $3,393 $3,309 $3,448
GEICO $1,280 $1,836 $2,643 $1,745
Liberty Mutual $3,533 $4,516 $4,627 $4,112
Nationwide $2,515 $3,217 $4,099 $2,788
Progressive $3,115 $4,243 $3,320 $3,784
State Farm $2,243 $2,661 $2,452 $2,452
Travelers $2,259 $2,933 $4,415 $2,621
USAA $1,449 $1,955 $2,604 $1,609

Find Cheap Empire, OH Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Empire, Ohio is higher than for a clean driving record. You can buy auto insurance after a DUI in Empire for less when you shop around and compare rates from multiple Empire, OH auto insurance companies.

Annual Auto Insurance Rates After a DUI in Empire, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,789
American Family $1,514
Farmers $3,309
GEICO $2,643
Liberty Mutual $4,627
Nationwide $4,099
Progressive $3,320
State Farm $2,452
Travelers $4,415
USAA $2,604

Winners by Category: Where to Buy Cheap Auto Insurance in Empire, OH

Compare rates from the cheapest auto insurance companies in Empire, OH for your needs. Take a look at how Empire, Ohio auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Empire, Ohio

Category Insurance Company
Teenagers American Family
Seniors American Family
Clean Record GEICO
With 1 Accident American Family
With 1 DUI American Family
With 1 Speeding Violation American Family

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Find Cheap Empire, Ohio Auto Insurance Companies

If you’re looking for the cheapest Empire, OH auto insurance companies overall, you can compare them here. Find the best price for Empire, Ohio car insurance by company.

Average Annual Auto Insurance Rates by Company in Empire, Ohio

Insurance Company Average Annual Rates
Allstate $3,201
American Family $1,493
Farmers $3,198
GEICO $1,876
Liberty Mutual $4,197
Nationwide $3,155
Progressive $3,616
State Farm $2,452
Travelers $3,057
USAA $1,904

What affects Empire, Ohio auto insurance rates?

Local factors affect auto insurance rates in Empire, OH, including traffic, theft statistics, and commute length. Take a look at the things that impact Empire auto insurance rates.

Commute Times in Empire

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Empire, OH is 25.4 minutes according to City-Data.

Compare Auto Insurance Quotes in Empire, OH

You can buy cheap Empire, OH auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Empire, Ohio auto insurance quotes from top companies.

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