Compare Elyria, OH Car Insurance Rates (2021)

Car insurance in Elyria, OH averages $225 a month. Elyria, Ohio car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Elyria car insurance rates, compare quotes from the top car insurance companies in Elyria, 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

  • The cheapest car insurance company in Elyria is USAA
  • The cheapest car insurance company in Elyria for teen drivers is USAA
  • Average car insurance rates in Elyria, OH are $2,706/year

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

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

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

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

How do age, gender, and marital status affect Elyria, OH car insurance rates? Every Elyria, 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 Elyria, 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 $1,902 $1,890 $1,729 $1,847 $5,313 $6,064 $1,976 $2,096
American Family $919 $952 $849 $851 $2,992 $3,240 $1,142 $1,202
Farmers $1,783 $1,785 $1,567 $1,658 $8,234 $8,594 $1,997 $2,076
GEICO $1,148 $1,115 $1,094 $1,113 $3,064 $2,840 $1,270 $1,065
Liberty Mutual $1,886 $2,059 $1,447 $1,768 $10,070 $11,368 $1,991 $2,168
Nationwide $2,112 $2,119 $1,912 $1,921 $5,500 $7,057 $2,258 $2,617
Progressive $1,726 $1,610 $1,438 $1,486 $7,997 $9,004 $2,055 $2,129
State Farm $1,429 $1,429 $1,288 $1,288 $4,604 $5,779 $1,663 $1,908
Travelers $1,379 $1,398 $1,377 $1,368 $6,051 $9,587 $1,439 $1,629
USAA $890 $897 $848 $846 $2,751 $3,062 $1,189 $1,281

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Minimum Car Insurance in Elyria, OH

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

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

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

Annual Car Insurance Rates by Credit Score in Elyria, Ohio

Insurance Company Poor Fair Good
Allstate $3,654 $2,673 $2,228
American Family $2,022 $1,373 $1,161
Farmers $3,907 $3,319 $3,160
GEICO $1,901 $1,589 $1,276
Liberty Mutual $5,853 $3,604 $2,826
Nationwide $3,843 $3,099 $2,619
Progressive $3,828 $3,336 $3,128
State Farm $3,453 $2,134 $1,682
Travelers $3,383 $2,947 $2,755
USAA $1,907 $1,352 $1,153

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

Annual Elyria, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,387 $2,902 $3,411 $2,708
American Family $1,454 $1,540 $1,540 $1,540
Farmers $2,857 $3,683 $3,592 $3,716
GEICO $1,077 $1,554 $2,272 $1,453
Liberty Mutual $3,433 $4,426 $4,508 $4,011
Nationwide $2,564 $3,248 $4,106 $2,830
Progressive $2,954 $4,036 $3,150 $3,582
State Farm $2,199 $2,647 $2,423 $2,423
Travelers $2,226 $2,906 $4,392 $2,590
USAA $1,128 $1,513 $1,992 $1,249

Cheapest Elyria, OH Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Elyria, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,313 $6,064
American Family $2,992 $3,240
Farmers $8,234 $8,594
GEICO $3,064 $2,840
Liberty Mutual $10,070 $11,368
Nationwide $5,500 $7,057
Progressive $7,997 $9,004
State Farm $4,604 $5,779
Travelers $6,051 $9,587
USAA $2,751 $3,062

Cheapest Elyria, OH Car Insurance for Seniors

Take a look at Elyria, 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 Elyria, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,729 $1,847
American Family $849 $851
Farmers $1,567 $1,658
GEICO $1,094 $1,113
Liberty Mutual $1,447 $1,768
Nationwide $1,912 $1,921
Progressive $1,438 $1,486
State Farm $1,288 $1,288
Travelers $1,377 $1,368
USAA $848 $846

Cheapest Elyria, OH Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Elyria, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,411
American Family $1,540
Farmers $3,592
GEICO $2,272
Liberty Mutual $4,508
Nationwide $4,106
Progressive $3,150
State Farm $2,423
Travelers $4,392
USAA $1,992

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Cheapest Elyria, OH Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Elyria, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,852 $2,852
American Family $1,500 $1,537
Farmers $3,462 $3,462
GEICO $1,562 $1,615
Liberty Mutual $4,094 $4,094
Nationwide $3,187 $3,187
Progressive $3,431 $3,431
State Farm $2,362 $2,485
Travelers $3,029 $3,029
USAA $1,414 $1,527

The Best Cheap Car Insurance Companies in Elyria, OH

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

Average Annual Car Insurance Rates by Company in Elyria, Ohio

Insurance Company Average Annual Rates
Allstate $2,852
American Family $1,518
Farmers $3,462
GEICO $1,589
Liberty Mutual $4,094
Nationwide $3,187
Progressive $3,431
State Farm $2,423
Travelers $3,029
USAA $1,470

Category Winners: Cheapest Car Insurance in Elyria, Ohio

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

Best Annual Car Insurance Rates by Company in Elyria, Ohio

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

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Cheapest Elyria, OH Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Elyria, Ohio

Insurance Company Low Medium High
Allstate $2,740 $2,846 $2,971
American Family $1,487 $1,530 $1,538
Farmers $3,254 $3,400 $3,732
GEICO $1,530 $1,581 $1,656
Liberty Mutual $3,917 $4,119 $4,247
Nationwide $3,499 $3,091 $2,971
Progressive $3,262 $3,396 $3,634
State Farm $2,291 $2,432 $2,547
Travelers $2,935 $3,071 $3,080
USAA $1,402 $1,469 $1,541

What affects car insurance rates in Elyria, Ohio?

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

Commute Time in Elyria

The more time you spend in your car the higher the risk of an accident. The average commute length in Elyria, OH is 23.6 minutes according to City-Data.

Traffic in Elyria

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Elyria, OH traffic data from INRIX ranks Elyria as the 875th-most congested in the world.

Compare Car Insurance Quotes in Elyria, OH

Ready to find affordable Elyria, Ohio car insurance today? Enter your ZIP code for fast, free Elyria, 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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