Buy Cheap Lima, OH Auto Insurance (2021)

Lima, OH auto insurance rates average $224 a month. Minimum auto insurance requirements in Lima, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Lima, OH, compare Lima 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 Lima after a DUI is Liberty Mutual
  • The most expensive auto insurance company in Lima is Liberty Mutual
  • Average auto insurance rates in Lima, OH are $224/month

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

See how Lima, OH car insurance rates compare to Columbus auto insurance rates, Parma auto insurance rates, and Cincinnati auto insurance rates before you read more about the cost of auto insurance in Lima.

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

Lima, OH Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Lima, Ohio

Insurance Company Poor Fair Good
Allstate $3,666 $2,674 $2,236
American Family $2,309 $1,582 $1,344
Farmers $3,500 $2,957 $2,816
GEICO $2,195 $1,830 $1,466
Liberty Mutual $6,314 $3,879 $3,041
Nationwide $3,582 $2,889 $2,442
Progressive $3,596 $3,118 $2,914
State Farm $3,365 $2,080 $1,640
Travelers $3,196 $2,782 $2,599
USAA $1,942 $1,379 $1,177

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lima, 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 $1,914 $1,907 $1,727 $1,845 $5,278 $6,037 $2,011 $2,148
American Family $1,084 $1,128 $992 $999 $3,360 $3,655 $1,334 $1,408
Farmers $1,644 $1,636 $1,449 $1,528 $7,222 $7,485 $1,843 $1,924
GEICO $1,309 $1,280 $1,235 $1,254 $3,562 $3,319 $1,453 $1,232
Liberty Mutual $2,043 $2,227 $1,573 $1,908 $10,805 $12,192 $2,172 $2,371
Nationwide $1,987 $1,997 $1,795 $1,808 $5,059 $6,518 $2,128 $2,474
Progressive $1,644 $1,542 $1,375 $1,419 $7,397 $8,317 $1,958 $2,024
State Farm $1,412 $1,412 $1,266 $1,266 $4,440 $5,578 $1,640 $1,880
Travelers $1,319 $1,339 $1,313 $1,305 $5,686 $8,967 $1,376 $1,567
USAA $903 $910 $863 $859 $2,822 $3,137 $1,206 $1,296

Buy Cheap Lima, OH Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lima, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,278 $6,037
American Family $3,360 $3,655
Farmers $7,222 $7,485
GEICO $3,562 $3,319
Liberty Mutual $10,805 $12,192
Nationwide $5,059 $6,518
Progressive $7,397 $8,317
State Farm $4,440 $5,578
Travelers $5,686 $8,967
USAA $2,822 $3,137

Buy Cheap Lima, OH Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lima, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,727 $1,845
American Family $992 $999
Farmers $1,449 $1,528
GEICO $1,235 $1,254
Liberty Mutual $1,573 $1,908
Nationwide $1,795 $1,808
Progressive $1,375 $1,419
State Farm $1,266 $1,266
Travelers $1,313 $1,305
USAA $863 $859

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

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

Annual Auto Insurance Rates by Coverage Level in Lima, Ohio

Insurance Company Low Medium High
Allstate $2,769 $2,853 $2,953
American Family $1,708 $1,758 $1,769
Farmers $2,935 $3,048 $3,291
GEICO $1,771 $1,822 $1,898
Liberty Mutual $4,250 $4,430 $4,554
Nationwide $3,285 $2,879 $2,748
Progressive $3,069 $3,178 $3,381
State Farm $2,242 $2,369 $2,474
Travelers $2,783 $2,897 $2,898
USAA $1,426 $1,498 $1,575

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Find Cheap Lima, OH Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Lima, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,858 $2,858
American Family $1,723 $1,767
Farmers $3,091 $3,091
GEICO $1,799 $1,862
Liberty Mutual $4,411 $4,411
Nationwide $2,971 $2,971
Progressive $3,209 $3,209
State Farm $2,303 $2,421
Travelers $2,859 $2,859
USAA $1,442 $1,557

Find Cheap Lima, OH Auto Insurance Rates by ZIP Code

Auto insurance rates in Lima, Ohio can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Lima, OH to see how much where you live in Lima affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Lima, Ohio

ZIP Code Average Annual Rates
45801 $2,572
45804 $2,572
45805 $2,552
45806 $2,455
45807 $2,521

Find Cheap Lima, OH Auto Insurance Rates by Driving Record

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

Annual Lima, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,405 $2,904 $3,405 $2,719
American Family $1,670 $1,770 $1,770 $1,770
Farmers $2,547 $3,282 $3,201 $3,335
GEICO $1,238 $1,793 $2,613 $1,677
Liberty Mutual $3,708 $4,756 $4,857 $4,325
Nationwide $2,384 $3,028 $3,836 $2,634
Progressive $2,766 $3,768 $2,950 $3,354
State Farm $2,150 $2,574 $2,362 $2,362
Travelers $2,106 $2,745 $4,137 $2,449
USAA $1,148 $1,542 $2,037 $1,272

Find Cheap Lima, OH Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lima, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,405
American Family $1,770
Farmers $3,201
GEICO $2,613
Liberty Mutual $4,857
Nationwide $3,836
Progressive $2,950
State Farm $2,362
Travelers $4,137
USAA $2,037

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

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

Best Annual Auto Insurance Rates by Company in Lima, Ohio

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

Find Cheap Lima, Ohio Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lima, Ohio

Insurance Company Average Annual Rates
Allstate $2,858
American Family $1,745
Farmers $3,091
GEICO $1,830
Liberty Mutual $4,411
Nationwide $2,971
Progressive $3,209
State Farm $2,362
Travelers $2,859
USAA $1,500

What affects Lima, Ohio auto insurance rates?

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

Auto Theft in Lima

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Lima, OH auto theft show a total of 98 vehicle thefts annually.

Commute Times in Lima

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Lima, OH is 27.6 minutes according to City-Data.

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Compare Auto Insurance Quotes in Lima, OH

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

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