Buy Cheap Oak Harbor, OH Auto Insurance (2021)

Oak Harbor, OH auto insurance rates average $215 a month. Minimum auto insurance requirements in Oak Harbor, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Oak Harbor, OH, compare Oak Harbor 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 Oak Harbor, OH are $215/month
  • Average auto insurance rates in Oak Harbor, OH after a DUI are $2,999/year
  • The most expensive auto insurance company in Oak Harbor after a DUI is Liberty Mutual

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

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

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

Oak Harbor, OH Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Oak Harbor, 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 Oak Harbor, OH Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Oak Harbor, Ohio

Insurance Company Poor Fair Good
Allstate $3,768 $2,745 $2,293
American Family $1,909 $1,299 $1,101
Farmers $3,716 $3,138 $2,988
GEICO $1,918 $1,602 $1,287
Liberty Mutual $5,972 $3,670 $2,877
Nationwide $3,538 $2,854 $2,413
Progressive $3,131 $2,706 $2,527
State Farm $3,332 $2,060 $1,624
Travelers $3,363 $2,928 $2,736
USAA $1,656 $1,174 $1,001

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Oak Harbor, 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 $1,963 $1,953 $1,771 $1,891 $5,428 $6,214 $2,063 $2,203
American Family $889 $922 $816 $820 $2,777 $3,010 $1,099 $1,156
Farmers $1,735 $1,728 $1,529 $1,614 $7,692 $7,976 $1,944 $2,028
GEICO $1,157 $1,127 $1,096 $1,110 $3,091 $2,874 $1,281 $1,083
Liberty Mutual $1,929 $2,106 $1,481 $1,806 $10,236 $11,562 $2,040 $2,225
Nationwide $1,953 $1,961 $1,767 $1,777 $5,036 $6,471 $2,089 $2,423
Progressive $1,439 $1,356 $1,202 $1,238 $6,387 $7,179 $1,724 $1,779
State Farm $1,392 $1,392 $1,250 $1,250 $4,412 $5,540 $1,618 $1,856
Travelers $1,377 $1,398 $1,372 $1,364 $5,994 $9,499 $1,436 $1,631
USAA $779 $786 $741 $741 $2,371 $2,640 $1,037 $1,121

Buy Cheap Oak Harbor, OH Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Oak Harbor, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,428 $6,214
American Family $2,777 $3,010
Farmers $7,692 $7,976
GEICO $3,091 $2,874
Liberty Mutual $10,236 $11,562
Nationwide $5,036 $6,471
Progressive $6,387 $7,179
State Farm $4,412 $5,540
Travelers $5,994 $9,499
USAA $2,371 $2,640

Buy Cheap Oak Harbor, OH Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Oak Harbor, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,771 $1,891
American Family $816 $820
Farmers $1,529 $1,614
GEICO $1,096 $1,110
Liberty Mutual $1,481 $1,806
Nationwide $1,767 $1,777
Progressive $1,202 $1,238
State Farm $1,250 $1,250
Travelers $1,372 $1,364
USAA $741 $741

Find Cheap Auto Insurance Rates in Oak Harbor, OH by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Oak Harbor, Ohio

Insurance Company Low Medium High
Allstate $2,845 $2,929 $3,033
American Family $1,407 $1,447 $1,455
Farmers $3,107 $3,230 $3,505
GEICO $1,548 $1,595 $1,665
Liberty Mutual $3,999 $4,197 $4,325
Nationwide $3,226 $2,846 $2,732
Progressive $2,694 $2,767 $2,904
State Farm $2,217 $2,346 $2,452
Travelers $2,915 $3,051 $3,060
USAA $1,223 $1,276 $1,333

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Find Cheap Oak Harbor, OH Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Oak Harbor, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,936 $2,936
American Family $1,419 $1,453
Farmers $3,281 $3,281
GEICO $1,575 $1,629
Liberty Mutual $4,173 $4,173
Nationwide $2,935 $2,935
Progressive $2,788 $2,788
State Farm $2,280 $2,397
Travelers $3,009 $3,009
USAA $1,229 $1,325

Find Cheap Oak Harbor, OH Auto Insurance Rates by Driving Record

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

Annual Oak Harbor, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,470 $2,979 $3,500 $2,793
American Family $1,377 $1,456 $1,456 $1,456
Farmers $2,703 $3,484 $3,398 $3,538
GEICO $1,088 $1,569 $2,282 $1,471
Liberty Mutual $3,501 $4,507 $4,596 $4,089
Nationwide $2,360 $2,991 $3,783 $2,605
Progressive $2,405 $3,268 $2,561 $2,918
State Farm $2,127 $2,551 $2,339 $2,339
Travelers $2,214 $2,887 $4,360 $2,575
USAA $985 $1,316 $1,718 $1,089

Find Cheap Oak Harbor, OH Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Oak Harbor, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,500
American Family $1,456
Farmers $3,398
GEICO $2,282
Liberty Mutual $4,596
Nationwide $3,783
Progressive $2,561
State Farm $2,339
Travelers $4,360
USAA $1,718

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

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

Best Annual Auto Insurance Rates by Company in Oak Harbor, 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

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Find Cheap Oak Harbor, Ohio Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Oak Harbor, Ohio

Insurance Company Average Annual Rates
Allstate $2,936
American Family $1,436
Farmers $3,281
GEICO $1,602
Liberty Mutual $4,173
Nationwide $2,935
Progressive $2,788
State Farm $2,339
Travelers $3,009
USAA $1,277

What affects Oak Harbor, Ohio auto insurance rates?

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

Commute Times in Oak Harbor

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Oak Harbor, OH is 21.5 minutes according to City-Data.

Compare Auto Insurance Quotes in Oak Harbor, OH

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

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