Compare Coldwater, OH Car Insurance Rates (2021)

Car insurance in Coldwater, OH averages $204 a month. Coldwater, Ohio car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Coldwater car insurance rates, compare quotes from the top car insurance companies in Coldwater, OH.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Coldwater, OH are $2,451/year
  • Average car insurance rates in Coldwater, OH after a DUI are $2,866/year
  • The cheapest car insurance company in Coldwater for teen drivers is USAA

If you need to buy Coldwater, Ohio car insurance, the options can be confusing. Everything you need to know about car insurance in Coldwater, OH is right here.

You’ll find Coldwater car insurance rates, the cheapest Coldwater, OH car insurance companies, and information on Ohio car insurance laws. You can also compare Coldwater, Ohio car insurance rates to Cincinnati car insurance rates, Akron car insurance rates, and Dayton car insurance rates.

Ready to find affordable Coldwater, OH car insurance today? Enter your ZIP code for fast, free Coldwater car insurance quotes.

Cheapest Coldwater, OH Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Coldwater, OH car insurance rates? Every Coldwater, Ohio car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Coldwater, 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 $1,839 $1,832 $1,658 $1,770 $5,057 $5,795 $1,935 $2,068
American Family $870 $903 $792 $796 $2,592 $2,812 $1,071 $1,126
Farmers $1,528 $1,524 $1,346 $1,420 $6,775 $7,037 $1,712 $1,788
GEICO $1,228 $1,195 $1,153 $1,164 $3,279 $3,053 $1,362 $1,157
Liberty Mutual $1,880 $2,049 $1,446 $1,755 $9,958 $11,245 $1,993 $2,177
Nationwide $1,987 $1,997 $1,795 $1,807 $5,059 $6,518 $2,128 $2,474
Progressive $1,338 $1,259 $1,118 $1,153 $5,942 $6,684 $1,593 $1,646
State Farm $1,220 $1,220 $1,091 $1,091 $3,784 $4,749 $1,417 $1,627
Travelers $1,323 $1,342 $1,315 $1,307 $5,655 $8,893 $1,379 $1,576
USAA $800 $807 $760 $761 $2,425 $2,701 $1,066 $1,151

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Minimum Car Insurance in Coldwater, OH

Every driver must carry the minimum car insurance in Coldwater, OH. Take a look at the Ohio car insurance requirements.

Minimum Required Car Insurance Coverage in Coldwater, 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

Cheapest Coldwater, OH Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Coldwater, OH. Compare credit history car insurance rates in Coldwater from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Coldwater, Ohio

Insurance Company Poor Fair Good
Allstate $3,515 $2,568 $2,151
American Family $1,817 $1,242 $1,053
Farmers $3,273 $2,766 $2,634
GEICO $2,035 $1,699 $1,363
Liberty Mutual $5,815 $3,573 $2,801
Nationwide $3,581 $2,889 $2,441
Progressive $2,909 $2,516 $2,349
State Farm $2,884 $1,784 $1,407
Travelers $3,186 $2,772 $2,589
USAA $1,698 $1,203 $1,026

Cheapest Coldwater, OH Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Coldwater, OH to rates for a clean record with top companies.

Annual Coldwater, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,313 $2,786 $3,266 $2,612
American Family $1,315 $1,389 $1,389 $1,389
Farmers $2,384 $3,071 $2,995 $3,116
GEICO $1,156 $1,664 $2,408 $1,568
Liberty Mutual $3,413 $4,382 $4,473 $3,983
Nationwide $2,384 $3,028 $3,836 $2,634
Progressive $2,237 $3,036 $2,384 $2,710
State Farm $1,846 $2,203 $2,025 $2,025
Travelers $2,098 $2,734 $4,121 $2,442
USAA $1,008 $1,347 $1,763 $1,116

Cheapest Coldwater, OH Car Insurance for Teen Drivers

Teen car insurance in Coldwater, OH can be expensive. Take a look at rates from the top car insurance companies in Coldwater for teenagers.

Annual Car Insurance Rates for Teen Drivers in Coldwater, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,057 $5,795
American Family $2,592 $2,812
Farmers $6,775 $7,037
GEICO $3,279 $3,053
Liberty Mutual $9,958 $11,245
Nationwide $5,059 $6,518
Progressive $5,942 $6,684
State Farm $3,784 $4,749
Travelers $5,655 $8,893
USAA $2,425 $2,701

Cheapest Coldwater, OH Car Insurance for Seniors

Take a look at Coldwater, OH senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Coldwater, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,658 $1,770
American Family $792 $796
Farmers $1,346 $1,420
GEICO $1,153 $1,164
Liberty Mutual $1,446 $1,755
Nationwide $1,795 $1,807
Progressive $1,118 $1,153
State Farm $1,091 $1,091
Travelers $1,315 $1,307
USAA $760 $761

Cheapest Coldwater, OH Car Insurance Rates After a DUI

A DUI in Coldwater, OH increases car insurance rates. Compare Coldwater, Ohio DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Coldwater, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,266
American Family $1,389
Farmers $2,995
GEICO $2,408
Liberty Mutual $4,473
Nationwide $3,836
Progressive $2,384
State Farm $2,025
Travelers $4,121
USAA $1,763

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Cheapest Coldwater, OH Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Coldwater, OH by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Coldwater, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,744 $2,744
American Family $1,354 $1,387
Farmers $2,891 $2,891
GEICO $1,669 $1,728
Liberty Mutual $4,063 $4,063
Nationwide $2,970 $2,970
Progressive $2,592 $2,592
State Farm $1,975 $2,074
Travelers $2,849 $2,849
USAA $1,259 $1,359

The Best Cheap Car Insurance Companies in Coldwater, OH

Take a look at a side-by-side comparison of the top car insurance companies in Coldwater, OH to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Coldwater, Ohio

Insurance Company Average Annual Rates
Allstate $2,744
American Family $1,370
Farmers $2,891
GEICO $1,699
Liberty Mutual $4,063
Nationwide $2,970
Progressive $2,592
State Farm $2,025
Travelers $2,849
USAA $1,309

Category Winners: Cheapest Car Insurance in Coldwater, Ohio

Find the cheapest car insurance companies in Coldwater, OH for each category right here.

Best Annual Car Insurance Rates by Company in Coldwater, 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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Cheapest Coldwater, OH Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Coldwater car insurance rates. Find the cheapest Coldwater, OH car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Coldwater, Ohio

Insurance Company Low Medium High
Allstate $2,669 $2,740 $2,824
American Family $1,346 $1,380 $1,385
Farmers $2,738 $2,847 $3,089
GEICO $1,645 $1,691 $1,760
Liberty Mutual $3,914 $4,083 $4,192
Nationwide $3,284 $2,879 $2,748
Progressive $2,474 $2,566 $2,735
State Farm $1,929 $2,030 $2,115
Travelers $2,779 $2,886 $2,882
USAA $1,252 $1,307 $1,367

What affects car insurance rates in Coldwater, Ohio?

What factors can have an impact on Coldwater, OH car insurance? There are several reasons why Coldwater car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Coldwater, Ohio.

Car Theft in Coldwater

High levels of vehicle theft can make car insurance more expensive. Coldwater, OH car theft statistics from the FBI indicate 0 vehicle thefts a year.

Commute Time in Coldwater

The more time you spend in your car the higher the risk of an accident. The average commute length in Coldwater, OH is 19.1 minutes according to City-Data.

Compare Car Insurance Quotes in Coldwater, OH

Ready to find affordable Coldwater, Ohio car insurance today? Enter your ZIP code for fast, free Coldwater, OH car insurance quotes.

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