Buy Cheap Lorain, OH Auto Insurance (2021)

Lorain, OH auto insurance rates average $227 a month. Minimum auto insurance requirements in Lorain, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Lorain, OH, compare Lorain 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 Lorain, OH after a DUI are $3,170/year
  • The most expensive auto insurance company in Lorain is Liberty Mutual
  • Average auto insurance rates in Lorain, OH for teens drivers are $5,695/year

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

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

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

Lorain, OH Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Lorain, Ohio

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lorain, 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 $1,972 $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

Buy Cheap Lorain, OH Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers 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

Buy Cheap Lorain, OH Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lorain, Ohio

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

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

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

Annual Auto Insurance Rates by Coverage Level in Lorain, Ohio

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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Find Cheap Lorain, OH Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Lorain, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Find Cheap Lorain, OH Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lorain, Ohio

ZIP Code Average Annual Rates
44052 $2,624
44053 $2,584
44055 $2,648

Find Cheap Lorain, OH Auto Insurance Rates by Driving Record

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

Annual Lorain, Ohio Auto Insurance Rates by Driving Record

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

Find Cheap Lorain, OH Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lorain, Ohio

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

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

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

Best Annual Auto Insurance Rates by Company in Lorain, 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 Lorain, Ohio Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lorain, Ohio

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 Lorain, Ohio auto insurance rates?

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

Commute Times in Lorain

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Lorain, OH is 23.7 minutes according to City-Data.

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Compare Auto Insurance Quotes in Lorain, OH

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

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