Buy Cheap Shelby, OH Auto Insurance (2021)

Shelby, OH auto insurance rates average $222 a month. Minimum auto insurance requirements in Shelby, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Shelby, OH, compare Shelby 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 Shelby after a DUI is Liberty Mutual
  • Average auto insurance rates in Shelby, OH are $222/month
  • Average auto insurance rates in Shelby, OH for teens drivers are $5,506/year

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

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

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

Shelby, OH Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Shelby, Ohio

Insurance Company Poor Fair Good
Allstate $3,853 $2,803 $2,345
American Family $1,849 $1,262 $1,067
Farmers $3,750 $3,168 $3,017
GEICO $2,187 $1,824 $1,462
Liberty Mutual $6,196 $3,793 $2,974
Nationwide $3,723 $3,001 $2,535
Progressive $3,362 $2,907 $2,716
State Farm $3,243 $2,005 $1,580
Travelers $3,412 $2,968 $2,771
USAA $1,864 $1,321 $1,126

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Shelby, 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 $2,018 $2,015 $1,815 $1,942 $5,508 $6,300 $2,127 $2,277
American Family $883 $916 $801 $805 $2,634 $2,862 $1,090 $1,148
Farmers $1,755 $1,753 $1,545 $1,629 $7,741 $8,049 $1,966 $2,056
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 $1,541 $1,450 $1,284 $1,325 $6,875 $7,737 $1,844 $1,906
State Farm $1,363 $1,363 $1,222 $1,222 $4,273 $5,368 $1,584 $1,815
Travelers $1,412 $1,434 $1,403 $1,395 $6,058 $9,546 $1,472 $1,683
USAA $869 $876 $829 $827 $2,689 $2,992 $1,161 $1,252

Buy Cheap Shelby, OH Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Shelby, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,508 $6,300
American Family $2,634 $2,862
Farmers $7,741 $8,049
GEICO $3,519 $3,281
Liberty Mutual $10,500 $11,866
Nationwide $5,264 $6,784
Progressive $6,875 $7,737
State Farm $4,273 $5,368
Travelers $6,058 $9,546
USAA $2,689 $2,992

Buy Cheap Shelby, OH Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Shelby, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,815 $1,942
American Family $801 $805
Farmers $1,545 $1,629
GEICO $1,232 $1,237
Liberty Mutual $1,558 $1,893
Nationwide $1,861 $1,874
Progressive $1,284 $1,325
State Farm $1,222 $1,222
Travelers $1,403 $1,395
USAA $829 $827

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

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

Annual Auto Insurance Rates by Coverage Level in Shelby, Ohio

Insurance Company Low Medium High
Allstate $2,906 $2,995 $3,100
American Family $1,374 $1,403 $1,401
Farmers $3,139 $3,262 $3,535
GEICO $1,771 $1,817 $1,886
Liberty Mutual $4,169 $4,343 $4,452
Nationwide $3,417 $2,991 $2,852
Progressive $2,883 $2,970 $3,132
State Farm $2,161 $2,283 $2,383
Travelers $2,971 $3,091 $3,090
USAA $1,373 $1,436 $1,502

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Find Cheap Shelby, OH Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Shelby, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,000 $3,000
American Family $1,376 $1,409
Farmers $3,312 $3,312
GEICO $1,792 $1,857
Liberty Mutual $4,321 $4,321
Nationwide $3,087 $3,087
Progressive $2,995 $2,995
State Farm $2,219 $2,333
Travelers $3,050 $3,050
USAA $1,382 $1,492

Find Cheap Shelby, OH Auto Insurance Rates by Driving Record

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

Annual Shelby, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,530 $3,053 $3,563 $2,855
American Family $1,335 $1,412 $1,412 $1,412
Farmers $2,733 $3,517 $3,430 $3,567
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 $2,583 $3,512 $2,751 $3,135
State Farm $2,073 $2,479 $2,276 $2,276
Travelers $2,246 $2,927 $4,415 $2,613
USAA $1,103 $1,480 $1,943 $1,222

Find Cheap Shelby, OH Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Shelby, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,563
American Family $1,412
Farmers $3,430
GEICO $2,571
Liberty Mutual $4,761
Nationwide $3,988
Progressive $2,751
State Farm $2,276
Travelers $4,415
USAA $1,943

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

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

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

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

Average Annual Auto Insurance Rates by Company in Shelby, Ohio

Insurance Company Average Annual Rates
Allstate $3,000
American Family $1,392
Farmers $3,312
GEICO $1,824
Liberty Mutual $4,321
Nationwide $3,087
Progressive $2,995
State Farm $2,276
Travelers $3,050
USAA $1,437

What affects Shelby, Ohio auto insurance rates?

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

Auto Theft in Shelby

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Shelby, OH auto theft show a total of 5 vehicle thefts annually.

Commute Times in Shelby

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Shelby, OH is 21.0 minutes according to City-Data.

Compare Auto Insurance Quotes in Shelby, OH

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

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