Compare Fairport Harbor, OH Car Insurance Rates (2021)

Car insurance in Fairport Harbor, OH averages $224 a month. Fairport Harbor, Ohio car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Fairport Harbor car insurance rates, compare quotes from the top car insurance companies in Fairport Harbor, 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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Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Fairport Harbor, OH are $2,691/year
  • The cheapest car insurance company in Fairport Harbor for teen drivers is USAA
  • Average car insurance rates in Fairport Harbor, OH after a DUI are $3,132/year

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

You’ll find Fairport Harbor car insurance rates, the cheapest Fairport Harbor, OH car insurance companies, and information on Ohio car insurance laws. You can also compare Fairport Harbor, Ohio car insurance rates to Cincinnati car insurance rates, Parma car insurance rates, and Lorain car insurance rates.

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

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

How do age, gender, and marital status affect Fairport Harbor, OH car insurance rates? Every Fairport Harbor, 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 Fairport Harbor, 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 $2,091 $2,076 $1,896 $2,025 $5,889 $6,733 $2,181 $2,318
American Family $908 $942 $835 $837 $2,898 $3,138 $1,126 $1,185
Farmers $1,769 $1,769 $1,557 $1,648 $8,070 $8,399 $1,980 $2,057
GEICO $1,209 $1,172 $1,136 $1,148 $3,218 $2,990 $1,343 $1,136
Liberty Mutual $1,842 $2,012 $1,413 $1,726 $9,806 $11,075 $1,944 $2,118
Nationwide $2,125 $2,135 $1,920 $1,932 $5,484 $7,058 $2,276 $2,644
Progressive $1,598 $1,494 $1,331 $1,375 $7,361 $8,281 $1,912 $1,979
State Farm $1,394 $1,394 $1,259 $1,259 $4,508 $5,660 $1,623 $1,860
Travelers $1,361 $1,381 $1,359 $1,350 $5,940 $9,386 $1,421 $1,611
USAA $908 $916 $865 $863 $2,800 $3,116 $1,213 $1,303

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Minimum Car Insurance in Fairport Harbor, OH

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

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

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

Annual Car Insurance Rates by Credit Score in Fairport Harbor, Ohio

Insurance Company Poor Fair Good
Allstate $4,045 $2,951 $2,457
American Family $1,973 $1,343 $1,135
Farmers $3,850 $3,262 $3,106
GEICO $1,999 $1,669 $1,339
Liberty Mutual $5,709 $3,513 $2,754
Nationwide $3,858 $3,108 $2,625
Progressive $3,539 $3,077 $2,884
State Farm $3,377 $2,087 $1,645
Travelers $3,325 $2,896 $2,707
USAA $1,941 $1,377 $1,175

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

Annual Fairport Harbor, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,636 $3,201 $3,775 $2,993
American Family $1,421 $1,504 $1,504 $1,504
Farmers $2,810 $3,622 $3,533 $3,661
GEICO $1,136 $1,634 $2,367 $1,540
Liberty Mutual $3,347 $4,315 $4,396 $3,910
Nationwide $2,566 $3,258 $4,128 $2,835
Progressive $2,727 $3,725 $2,905 $3,309
State Farm $2,150 $2,589 $2,370 $2,370
Travelers $2,188 $2,857 $4,313 $2,547
USAA $1,147 $1,539 $2,033 $1,272

Cheapest Fairport Harbor, OH Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Fairport Harbor, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,889 $6,733
American Family $2,898 $3,138
Farmers $8,070 $8,399
GEICO $3,218 $2,990
Liberty Mutual $9,806 $11,075
Nationwide $5,484 $7,058
Progressive $7,361 $8,281
State Farm $4,508 $5,660
Travelers $5,940 $9,386
USAA $2,800 $3,116

Cheapest Fairport Harbor, OH Car Insurance for Seniors

Take a look at Fairport Harbor, 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 Fairport Harbor, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,896 $2,025
American Family $835 $837
Farmers $1,557 $1,648
GEICO $1,136 $1,148
Liberty Mutual $1,413 $1,726
Nationwide $1,920 $1,932
Progressive $1,331 $1,375
State Farm $1,259 $1,259
Travelers $1,359 $1,350
USAA $865 $863

Cheapest Fairport Harbor, OH Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Fairport Harbor, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,775
American Family $1,504
Farmers $3,533
GEICO $2,367
Liberty Mutual $4,396
Nationwide $4,128
Progressive $2,905
State Farm $2,370
Travelers $4,313
USAA $2,033

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Cheapest Fairport Harbor, OH Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Fairport Harbor, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,151 $3,151
American Family $1,466 $1,502
Farmers $3,406 $3,406
GEICO $1,640 $1,698
Liberty Mutual $3,992 $3,992
Nationwide $3,197 $3,197
Progressive $3,166 $3,166
State Farm $2,309 $2,430
Travelers $2,976 $2,976
USAA $1,440 $1,556

The Best Cheap Car Insurance Companies in Fairport Harbor, OH

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

Average Annual Car Insurance Rates by Company in Fairport Harbor, Ohio

Insurance Company Average Annual Rates
Allstate $3,151
American Family $1,484
Farmers $3,406
GEICO $1,669
Liberty Mutual $3,992
Nationwide $3,197
Progressive $3,166
State Farm $2,370
Travelers $2,976
USAA $1,498

Category Winners: Cheapest Car Insurance in Fairport Harbor, Ohio

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

Best Annual Car Insurance Rates by Company in Fairport Harbor, Ohio

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

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Cheapest Fairport Harbor, OH Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Fairport Harbor, Ohio

Insurance Company Low Medium High
Allstate $3,037 $3,144 $3,273
American Family $1,457 $1,495 $1,499
Farmers $3,205 $3,345 $3,669
GEICO $1,615 $1,662 $1,730
Liberty Mutual $3,820 $4,016 $4,140
Nationwide $3,527 $3,099 $2,965
Progressive $3,041 $3,140 $3,318
State Farm $2,236 $2,378 $2,495
Travelers $2,890 $3,016 $3,022
USAA $1,425 $1,496 $1,572

What affects car insurance rates in Fairport Harbor, Ohio?

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

Commute Time in Fairport Harbor

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

Compare Car Insurance Quotes in Fairport Harbor, OH

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

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

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