Buy Cheap Prospect, OH Auto Insurance (2021)

Prospect, OH auto insurance rates average $221 a month. Minimum auto insurance requirements in Prospect, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Prospect, OH, compare Prospect 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 Prospect, OH for teens drivers are $5,454/year
  • Average auto insurance rates in Prospect, OH after a DUI are $3,072/year
  • The most expensive auto insurance company in Prospect is Liberty Mutual

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

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

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

Prospect, OH Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Prospect, Ohio

Insurance Company Poor Fair Good
Allstate $3,818 $2,780 $2,324
American Family $1,797 $1,236 $1,048
Farmers $3,645 $3,081 $2,934
GEICO $2,187 $1,824 $1,462
Liberty Mutual $5,844 $3,581 $2,810
Nationwide $3,708 $2,989 $2,525
Progressive $3,633 $3,138 $2,929
State Farm $3,581 $2,213 $1,744
Travelers $3,116 $2,710 $2,530
USAA $1,855 $1,313 $1,120

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Prospect, 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 $1,992 $1,985 $1,793 $1,917 $5,486 $6,278 $2,097 $2,243
American Family $874 $906 $791 $796 $2,554 $2,765 $1,071 $1,125
Farmers $1,704 $1,698 $1,501 $1,584 $7,541 $7,828 $1,910 $1,994
GEICO $1,322 $1,284 $1,232 $1,237 $3,519 $3,281 $1,469 $1,252
Liberty Mutual $1,917 $2,093 $1,477 $1,795 $9,894 $11,176 $2,043 $2,233
Nationwide $2,049 $2,059 $1,851 $1,864 $5,256 $6,767 $2,194 $2,550
Progressive $1,675 $1,578 $1,399 $1,443 $7,391 $8,317 $1,999 $2,064
State Farm $1,503 $1,503 $1,346 $1,346 $4,721 $5,928 $1,747 $2,005
Travelers $1,307 $1,328 $1,293 $1,286 $5,501 $8,641 $1,360 $1,567
USAA $865 $872 $824 $822 $2,674 $2,976 $1,155 $1,246

Buy Cheap Prospect, OH Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Prospect, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,486 $6,278
American Family $2,554 $2,765
Farmers $7,541 $7,828
GEICO $3,519 $3,281
Liberty Mutual $9,894 $11,176
Nationwide $5,256 $6,767
Progressive $7,391 $8,317
State Farm $4,721 $5,928
Travelers $5,501 $8,641
USAA $2,674 $2,976

Buy Cheap Prospect, OH Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Prospect, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,793 $1,917
American Family $791 $796
Farmers $1,501 $1,584
GEICO $1,232 $1,237
Liberty Mutual $1,477 $1,795
Nationwide $1,851 $1,864
Progressive $1,399 $1,443
State Farm $1,346 $1,346
Travelers $1,293 $1,286
USAA $824 $822

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

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

Annual Auto Insurance Rates by Coverage Level in Prospect, Ohio

Insurance Company Low Medium High
Allstate $2,884 $2,968 $3,070
American Family $1,342 $1,370 $1,369
Farmers $3,053 $3,173 $3,435
GEICO $1,771 $1,817 $1,886
Liberty Mutual $3,927 $4,098 $4,211
Nationwide $3,400 $2,979 $2,843
Progressive $3,099 $3,204 $3,397
State Farm $2,389 $2,520 $2,628
Travelers $2,725 $2,820 $2,811
USAA $1,368 $1,428 $1,492

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Find Cheap Prospect, OH Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Prospect, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,974 $2,974
American Family $1,344 $1,376
Farmers $3,220 $3,220
GEICO $1,792 $1,857
Liberty Mutual $4,079 $4,079
Nationwide $3,074 $3,074
Progressive $3,233 $3,233
State Farm $2,450 $2,575
Travelers $2,785 $2,785
USAA $1,376 $1,483

Find Cheap Prospect, OH Auto Insurance Rates by Driving Record

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

Annual Prospect, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,504 $3,022 $3,541 $2,829
American Family $1,305 $1,379 $1,379 $1,379
Farmers $2,654 $3,420 $3,335 $3,471
GEICO $1,244 $1,788 $2,571 $1,695
Liberty Mutual $3,431 $4,393 $4,493 $3,997
Nationwide $2,467 $3,133 $3,969 $2,726
Progressive $2,789 $3,788 $2,972 $3,384
State Farm $2,287 $2,737 $2,512 $2,512
Travelers $2,057 $2,674 $4,021 $2,389
USAA $1,098 $1,472 $1,930 $1,217

Find Cheap Prospect, OH Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Prospect, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,541
American Family $1,379
Farmers $3,335
GEICO $2,571
Liberty Mutual $4,493
Nationwide $3,969
Progressive $2,972
State Farm $2,512
Travelers $4,021
USAA $1,930

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

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

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

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

Average Annual Auto Insurance Rates by Company in Prospect, Ohio

Insurance Company Average Annual Rates
Allstate $2,974
American Family $1,360
Farmers $3,220
GEICO $1,824
Liberty Mutual $4,079
Nationwide $3,074
Progressive $3,233
State Farm $2,512
Travelers $2,785
USAA $1,429

What affects Prospect, Ohio auto insurance rates?

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

Commute Times in Prospect

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Prospect, OH is 28.9 minutes according to City-Data.

Compare Auto Insurance Quotes in Prospect, OH

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

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