Buy Cheap Gratiot, OH Auto Insurance (2021)

Gratiot, OH auto insurance rates average $230 a month. Minimum auto insurance requirements in Gratiot, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Gratiot, OH, compare Gratiot 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

  • Average auto insurance rates in Gratiot, OH are $230/month
  • The most expensive auto insurance company in Gratiot is Liberty Mutual
  • The most expensive auto insurance company in Gratiot after a DUI is Liberty Mutual

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

See how Gratiot, OH car insurance rates compare to Lorain auto insurance rates, Toledo auto insurance rates, and Cincinnati auto insurance rates before you read more about the cost of auto insurance in Gratiot.

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

Gratiot, OH Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Gratiot, 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 Gratiot, OH Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Gratiot, Ohio

Insurance Company Poor Fair Good
Allstate $4,122 $2,990 $2,505
American Family $1,970 $1,347 $1,141
Farmers $3,561 $2,995 $2,853
GEICO $2,220 $1,851 $1,483
Liberty Mutual $6,299 $3,857 $3,024
Nationwide $4,013 $3,232 $2,728
Progressive $3,534 $3,044 $2,841
State Farm $3,773 $2,331 $1,837
Travelers $3,226 $2,806 $2,620
USAA $2,018 $1,425 $1,213

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Gratiot, 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 $2,161 $2,164 $1,935 $2,073 $5,853 $6,704 $2,292 $2,462
American Family $953 $992 $859 $866 $2,779 $3,030 $1,172 $1,237
Farmers $1,698 $1,691 $1,498 $1,578 $7,243 $7,498 $1,898 $1,986
GEICO $1,334 $1,296 $1,251 $1,264 $3,589 $3,339 $1,483 $1,255
Liberty Mutual $2,059 $2,248 $1,585 $1,926 $10,674 $12,059 $2,195 $2,400
Nationwide $2,215 $2,226 $1,999 $2,013 $5,680 $7,325 $2,374 $2,764
Progressive $1,632 $1,545 $1,356 $1,399 $7,145 $8,049 $1,963 $2,027
State Farm $1,606 $1,606 $1,431 $1,431 $4,918 $6,187 $1,863 $2,133
Travelers $1,349 $1,371 $1,333 $1,327 $5,699 $8,975 $1,404 $1,615
USAA $943 $951 $893 $895 $2,887 $3,220 $1,263 $1,365

Buy Cheap Gratiot, OH Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Gratiot, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,853 $6,704
American Family $2,779 $3,030
Farmers $7,243 $7,498
GEICO $3,589 $3,339
Liberty Mutual $10,674 $12,059
Nationwide $5,680 $7,325
Progressive $7,145 $8,049
State Farm $4,918 $6,187
Travelers $5,699 $8,975
USAA $2,887 $3,220

Buy Cheap Gratiot, OH Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Gratiot, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,935 $2,073
American Family $859 $866
Farmers $1,498 $1,578
GEICO $1,251 $1,264
Liberty Mutual $1,585 $1,926
Nationwide $1,999 $2,013
Progressive $1,356 $1,399
State Farm $1,431 $1,431
Travelers $1,333 $1,327
USAA $893 $895

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

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

Annual Auto Insurance Rates by Coverage Level in Gratiot, Ohio

Insurance Company Low Medium High
Allstate $3,117 $3,200 $3,300
American Family $1,468 $1,498 $1,493
Farmers $2,985 $3,093 $3,331
GEICO $1,793 $1,843 $1,917
Liberty Mutual $4,236 $4,414 $4,530
Nationwide $3,678 $3,222 $3,073
Progressive $3,043 $3,118 $3,258
State Farm $2,524 $2,655 $2,762
Travelers $2,817 $2,921 $2,915
USAA $1,487 $1,551 $1,618

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Find Cheap Gratiot, OH Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Gratiot, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,206 $3,206
American Family $1,468 $1,504
Farmers $3,136 $3,136
GEICO $1,819 $1,883
Liberty Mutual $4,393 $4,393
Nationwide $3,324 $3,324
Progressive $3,140 $3,140
State Farm $2,582 $2,712
Travelers $2,884 $2,884
USAA $1,493 $1,611

Find Cheap Gratiot, OH Auto Insurance Rates by Driving Record

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

Annual Gratiot, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,711 $3,264 $3,796 $3,052
American Family $1,424 $1,507 $1,507 $1,507
Farmers $2,589 $3,328 $3,245 $3,384
GEICO $1,256 $1,814 $2,629 $1,707
Liberty Mutual $3,695 $4,732 $4,840 $4,306
Nationwide $2,663 $3,389 $4,300 $2,945
Progressive $2,709 $3,674 $2,881 $3,293
State Farm $2,418 $2,877 $2,647 $2,647
Travelers $2,131 $2,769 $4,164 $2,472
USAA $1,192 $1,597 $2,098 $1,322

Find Cheap Gratiot, OH Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Gratiot, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,796
American Family $1,507
Farmers $3,245
GEICO $2,629
Liberty Mutual $4,840
Nationwide $4,300
Progressive $2,881
State Farm $2,647
Travelers $4,164
USAA $2,098

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

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

Best Annual Auto Insurance Rates by Company in Gratiot, Ohio

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

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Find Cheap Gratiot, Ohio Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Gratiot, Ohio

Insurance Company Average Annual Rates
Allstate $3,206
American Family $1,486
Farmers $3,136
GEICO $1,851
Liberty Mutual $4,393
Nationwide $3,324
Progressive $3,140
State Farm $2,647
Travelers $2,884
USAA $1,552

What affects Gratiot, Ohio auto insurance rates?

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

Commute Times in Gratiot

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Gratiot, OH is 28.7 minutes according to City-Data.

Compare Auto Insurance Quotes in Gratiot, OH

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

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