Buy Cheap Lucas, OH Auto Insurance (2021)

Lucas, OH auto insurance rates average $226 a month. Minimum auto insurance requirements in Lucas, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Lucas, OH, compare Lucas 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 Lucas is Liberty Mutual
  • Average auto insurance rates in Lucas, OH after a DUI are $3,158/year
  • The most expensive auto insurance company in Lucas after a DUI is Liberty Mutual

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

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

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

Lucas, OH Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Lucas, Ohio

Insurance Company Poor Fair Good
Allstate $4,118 $2,994 $2,501
American Family $1,841 $1,261 $1,067
Farmers $3,763 $3,176 $3,025
GEICO $2,187 $1,824 $1,462
Liberty Mutual $6,196 $3,793 $2,974
Nationwide $3,723 $3,001 $2,535
Progressive $3,661 $3,155 $2,945
State Farm $3,304 $2,043 $1,610
Travelers $3,412 $2,968 $2,771
USAA $1,800 $1,275 $1,087

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lucas, 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 $2,142 $2,136 $1,925 $2,060 $5,917 $6,776 $2,259 $2,420
American Family $888 $922 $804 $809 $2,612 $2,837 $1,094 $1,152
Farmers $1,772 $1,772 $1,561 $1,642 $7,722 $8,038 $1,984 $2,078
GEICO $1,322 $1,284 $1,232 $1,237 $3,519 $3,281 $1,469 $1,252
Liberty Mutual $2,025 $2,211 $1,558 $1,893 $10,500 $11,866 $2,157 $2,359
Nationwide $2,061 $2,071 $1,861 $1,874 $5,264 $6,784 $2,208 $2,568
Progressive $1,695 $1,604 $1,409 $1,453 $7,398 $8,342 $2,032 $2,097
State Farm $1,413 $1,413 $1,257 $1,257 $4,296 $5,399 $1,638 $1,880
Travelers $1,412 $1,434 $1,403 $1,395 $6,058 $9,546 $1,472 $1,683
USAA $836 $842 $798 $795 $2,606 $2,897 $1,116 $1,207

Buy Cheap Lucas, OH Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lucas, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,917 $6,776
American Family $2,612 $2,837
Farmers $7,722 $8,038
GEICO $3,519 $3,281
Liberty Mutual $10,500 $11,866
Nationwide $5,264 $6,784
Progressive $7,398 $8,342
State Farm $4,296 $5,399
Travelers $6,058 $9,546
USAA $2,606 $2,897

Buy Cheap Lucas, OH Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lucas, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,925 $2,060
American Family $804 $809
Farmers $1,561 $1,642
GEICO $1,232 $1,237
Liberty Mutual $1,558 $1,893
Nationwide $1,861 $1,874
Progressive $1,409 $1,453
State Farm $1,257 $1,257
Travelers $1,403 $1,395
USAA $798 $795

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

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

Annual Auto Insurance Rates by Coverage Level in Lucas, Ohio

Insurance Company Low Medium High
Allstate $3,110 $3,199 $3,304
American Family $1,372 $1,400 $1,396
Farmers $3,152 $3,272 $3,540
GEICO $1,771 $1,817 $1,886
Liberty Mutual $4,169 $4,343 $4,452
Nationwide $3,417 $2,991 $2,852
Progressive $3,130 $3,227 $3,405
State Farm $2,218 $2,325 $2,414
Travelers $2,971 $3,091 $3,090
USAA $1,332 $1,386 $1,444

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Find Cheap Lucas, OH Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Lucas, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,204 $3,204
American Family $1,373 $1,406
Farmers $3,321 $3,321
GEICO $1,792 $1,857
Liberty Mutual $4,321 $4,321
Nationwide $3,087 $3,087
Progressive $3,254 $3,254
State Farm $2,263 $2,375
Travelers $3,050 $3,050
USAA $1,336 $1,439

Find Cheap Lucas, OH Auto Insurance Rates by Driving Record

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

Annual Lucas, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,697 $3,256 $3,815 $3,048
American Family $1,333 $1,409 $1,409 $1,409
Farmers $2,745 $3,526 $3,438 $3,576
GEICO $1,244 $1,788 $2,571 $1,695
Liberty Mutual $3,633 $4,655 $4,761 $4,235
Nationwide $2,476 $3,146 $3,988 $2,736
Progressive $2,809 $3,805 $2,989 $3,412
State Farm $2,120 $2,519 $2,319 $2,319
Travelers $2,246 $2,927 $4,415 $2,613
USAA $1,068 $1,431 $1,869 $1,181

Find Cheap Lucas, OH Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lucas, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,815
American Family $1,409
Farmers $3,438
GEICO $2,571
Liberty Mutual $4,761
Nationwide $3,988
Progressive $2,989
State Farm $2,319
Travelers $4,415
USAA $1,869

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

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

Best Annual Auto Insurance Rates by Company in Lucas, Ohio

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

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Find Cheap Lucas, Ohio Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lucas, Ohio

Insurance Company Average Annual Rates
Allstate $3,204
American Family $1,390
Farmers $3,321
GEICO $1,824
Liberty Mutual $4,321
Nationwide $3,087
Progressive $3,254
State Farm $2,319
Travelers $3,050
USAA $1,387

What affects Lucas, Ohio auto insurance rates?

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

Commute Times in Lucas

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Lucas, OH is 29.0 minutes according to City-Data.

Compare Auto Insurance Quotes in Lucas, OH

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

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