Compare Elgin, OH Car Insurance Rates (2021)

Car insurance in Elgin, OH averages $202 a month. Elgin, Ohio car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Elgin car insurance rates, compare quotes from the top car insurance companies in Elgin, 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 Elgin, OH are $2,422/year
  • Average car insurance rates in Elgin, OH after a DUI are $2,820/year
  • The cheapest car insurance company in Elgin is USAA

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

You’ll find Elgin car insurance rates, the cheapest Elgin, OH car insurance companies, and information on Ohio car insurance laws. You can also compare Elgin, Ohio car insurance rates to Dayton car insurance rates, Lorain car insurance rates, and Toledo car insurance rates.

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

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

How do age, gender, and marital status affect Elgin, OH car insurance rates? Every Elgin, 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 Elgin, 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 $1,782 $1,778 $1,606 $1,715 $4,855 $5,563 $1,879 $2,009
American Family $898 $932 $814 $820 $2,634 $2,860 $1,101 $1,159
Farmers $1,627 $1,623 $1,433 $1,512 $7,190 $7,468 $1,821 $1,900
GEICO $1,228 $1,195 $1,153 $1,164 $3,279 $3,053 $1,362 $1,157
Liberty Mutual $1,581 $1,724 $1,222 $1,481 $8,139 $9,191 $1,682 $1,836
Nationwide $1,949 $1,959 $1,760 $1,773 $4,950 $6,377 $2,087 $2,426
Progressive $1,525 $1,437 $1,276 $1,315 $6,714 $7,549 $1,816 $1,876
State Farm $1,258 $1,258 $1,123 $1,123 $3,883 $4,876 $1,460 $1,676
Travelers $1,257 $1,276 $1,247 $1,242 $5,411 $8,570 $1,310 $1,491
USAA $839 $846 $798 $797 $2,571 $2,863 $1,119 $1,210

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Minimum Car Insurance in Elgin, OH

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

Minimum Required Car Insurance Coverage in Elgin, 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 Elgin, OH Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Elgin, Ohio

Insurance Company Poor Fair Good
Allstate $3,391 $2,477 $2,077
American Family $1,855 $1,272 $1,079
Farmers $3,478 $2,939 $2,799
GEICO $2,035 $1,699 $1,363
Liberty Mutual $4,802 $2,951 $2,319
Nationwide $3,508 $2,830 $2,393
Progressive $3,303 $2,852 $2,661
State Farm $2,966 $1,834 $1,446
Travelers $3,045 $2,653 $2,480
USAA $1,792 $1,268 $1,081

Cheapest Elgin, 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 Elgin, OH to rates for a clean record with top companies.

Annual Elgin, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,237 $2,690 $3,145 $2,522
American Family $1,345 $1,421 $1,421 $1,421
Farmers $2,535 $3,263 $3,182 $3,308
GEICO $1,156 $1,664 $2,408 $1,568
Liberty Mutual $2,826 $3,616 $3,696 $3,291
Nationwide $2,336 $2,966 $3,758 $2,581
Progressive $2,535 $3,442 $2,703 $3,074
State Farm $1,900 $2,265 $2,082 $2,082
Travelers $2,013 $2,617 $3,940 $2,333
USAA $1,062 $1,422 $1,861 $1,176

Cheapest Elgin, OH Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Elgin, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $4,855 $5,563
American Family $2,634 $2,860
Farmers $7,190 $7,468
GEICO $3,279 $3,053
Liberty Mutual $8,139 $9,191
Nationwide $4,950 $6,377
Progressive $6,714 $7,549
State Farm $3,883 $4,876
Travelers $5,411 $8,570
USAA $2,571 $2,863

Cheapest Elgin, OH Car Insurance for Seniors

Take a look at Elgin, 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 Elgin, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,606 $1,715
American Family $814 $820
Farmers $1,433 $1,512
GEICO $1,153 $1,164
Liberty Mutual $1,222 $1,481
Nationwide $1,760 $1,773
Progressive $1,276 $1,315
State Farm $1,123 $1,123
Travelers $1,247 $1,242
USAA $798 $797

Cheapest Elgin, OH Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Elgin, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,145
American Family $1,421
Farmers $3,182
GEICO $2,408
Liberty Mutual $3,696
Nationwide $3,758
Progressive $2,703
State Farm $2,082
Travelers $3,940
USAA $1,861

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Cheapest Elgin, OH Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Elgin, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,648 $2,648
American Family $1,386 $1,419
Farmers $3,072 $3,072
GEICO $1,669 $1,728
Liberty Mutual $3,357 $3,357
Nationwide $2,910 $2,910
Progressive $2,939 $2,939
State Farm $2,031 $2,133
Travelers $2,726 $2,726
USAA $1,328 $1,433

The Best Cheap Car Insurance Companies in Elgin, OH

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

Average Annual Car Insurance Rates by Company in Elgin, Ohio

Insurance Company Average Annual Rates
Allstate $2,648
American Family $1,402
Farmers $3,072
GEICO $1,699
Liberty Mutual $3,357
Nationwide $2,910
Progressive $2,939
State Farm $2,082
Travelers $2,726
USAA $1,380

Category Winners: Cheapest Car Insurance in Elgin, Ohio

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

Best Annual Car Insurance Rates by Company in Elgin, Ohio

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

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Cheapest Elgin, OH Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Elgin, Ohio

Insurance Company Low Medium High
Allstate $2,577 $2,644 $2,724
American Family $1,378 $1,412 $1,416
Farmers $2,908 $3,024 $3,283
GEICO $1,645 $1,691 $1,760
Liberty Mutual $3,233 $3,373 $3,466
Nationwide $3,222 $2,820 $2,688
Progressive $2,815 $2,910 $3,091
State Farm $1,985 $2,088 $2,174
Travelers $2,646 $2,762 $2,768
USAA $1,323 $1,379 $1,440

What affects car insurance rates in Elgin, Ohio?

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

Car Theft in Elgin

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

Commute Time in Elgin

The more time you spend in your car the higher the risk of an accident. The average commute length in Elgin, OH is 35.3 minutes according to City-Data.

Traffic in Elgin

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Elgin, OH traffic data from INRIX ranks Elgin as the 862nd-most congested in the world.

Compare Car Insurance Quotes in Elgin, OH

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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