Compare Lima, OH Car Insurance Rates (2021)

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

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 Lima, OH after a DUI are $3,117/year
  • The cheapest car insurance company in Lima for teen drivers is USAA
  • The cheapest ZIP code in Lima is 45806

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

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

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

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

How do age, gender, and marital status affect Lima, OH car insurance rates? Every Lima, 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 Lima, 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 $1,914 $1,907 $1,727 $1,845 $5,278 $6,037 $2,011 $2,148
American Family $1,084 $1,128 $992 $999 $3,360 $3,655 $1,334 $1,408
Farmers $1,644 $1,636 $1,449 $1,528 $7,222 $7,485 $1,843 $1,924
GEICO $1,309 $1,280 $1,235 $1,254 $3,562 $3,319 $1,453 $1,232
Liberty Mutual $2,043 $2,227 $1,573 $1,908 $10,805 $12,192 $2,172 $2,371
Nationwide $1,987 $1,997 $1,795 $1,808 $5,059 $6,518 $2,128 $2,474
Progressive $1,644 $1,542 $1,375 $1,419 $7,397 $8,317 $1,958 $2,024
State Farm $1,412 $1,412 $1,266 $1,266 $4,440 $5,578 $1,640 $1,880
Travelers $1,319 $1,339 $1,313 $1,305 $5,686 $8,967 $1,376 $1,567
USAA $903 $910 $863 $859 $2,822 $3,137 $1,206 $1,296

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Minimum Car Insurance in Lima, OH

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

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

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

Annual Car Insurance Rates by Credit Score in Lima, Ohio

Insurance Company Poor Fair Good
Allstate $3,666 $2,674 $2,236
American Family $2,309 $1,582 $1,344
Farmers $3,500 $2,957 $2,816
GEICO $2,195 $1,830 $1,466
Liberty Mutual $6,314 $3,879 $3,041
Nationwide $3,582 $2,889 $2,442
Progressive $3,596 $3,118 $2,914
State Farm $3,365 $2,080 $1,640
Travelers $3,196 $2,782 $2,599
USAA $1,942 $1,379 $1,177

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

Annual Lima, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,405 $2,904 $3,405 $2,719
American Family $1,670 $1,770 $1,770 $1,770
Farmers $2,547 $3,282 $3,201 $3,335
GEICO $1,238 $1,793 $2,613 $1,677
Liberty Mutual $3,708 $4,756 $4,857 $4,325
Nationwide $2,384 $3,028 $3,836 $2,634
Progressive $2,766 $3,768 $2,950 $3,354
State Farm $2,150 $2,574 $2,362 $2,362
Travelers $2,106 $2,745 $4,137 $2,449
USAA $1,148 $1,542 $2,037 $1,272

Cheapest Lima, OH Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lima, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,278 $6,037
American Family $3,360 $3,655
Farmers $7,222 $7,485
GEICO $3,562 $3,319
Liberty Mutual $10,805 $12,192
Nationwide $5,059 $6,518
Progressive $7,397 $8,317
State Farm $4,440 $5,578
Travelers $5,686 $8,967
USAA $2,822 $3,137

Cheapest Lima, OH Car Insurance for Seniors

Take a look at Lima, 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 Lima, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,727 $1,845
American Family $992 $999
Farmers $1,449 $1,528
GEICO $1,235 $1,254
Liberty Mutual $1,573 $1,908
Nationwide $1,795 $1,808
Progressive $1,375 $1,419
State Farm $1,266 $1,266
Travelers $1,313 $1,305
USAA $863 $859

Cheapest Lima, OH Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lima, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,405
American Family $1,770
Farmers $3,201
GEICO $2,613
Liberty Mutual $4,857
Nationwide $3,836
Progressive $2,950
State Farm $2,362
Travelers $4,137
USAA $2,037

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Cheapest Lima, OH Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lima, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,858 $2,858
American Family $1,723 $1,767
Farmers $3,091 $3,091
GEICO $1,799 $1,862
Liberty Mutual $4,411 $4,411
Nationwide $2,971 $2,971
Progressive $3,209 $3,209
State Farm $2,303 $2,421
Travelers $2,859 $2,859
USAA $1,442 $1,557

Cheapest Lima, OH Car Insurance Rates by ZIP Code

Lima car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Lima, OH.

Annual Car Insurance Rates by ZIP Code in Lima, Ohio

ZIP Code Average Annual Rates
45801 $2,572
45804 $2,572
45805 $2,552
45806 $2,455
45807 $2,521

The Best Cheap Car Insurance Companies in Lima, OH

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

Average Annual Car Insurance Rates by Company in Lima, Ohio

Insurance Company Average Annual Rates
Allstate $2,858
American Family $1,745
Farmers $3,091
GEICO $1,830
Liberty Mutual $4,411
Nationwide $2,971
Progressive $3,209
State Farm $2,362
Travelers $2,859
USAA $1,500

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Category Winners: Cheapest Car Insurance in Lima, Ohio

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

Best Annual Car Insurance Rates by Company in Lima, 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

Cheapest Lima, OH Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lima, Ohio

Insurance Company Low Medium High
Allstate $2,769 $2,853 $2,953
American Family $1,708 $1,758 $1,769
Farmers $2,935 $3,048 $3,291
GEICO $1,771 $1,822 $1,898
Liberty Mutual $4,250 $4,430 $4,554
Nationwide $3,285 $2,879 $2,748
Progressive $3,069 $3,178 $3,381
State Farm $2,242 $2,369 $2,474
Travelers $2,783 $2,897 $2,898
USAA $1,426 $1,498 $1,575

What affects car insurance rates in Lima, Ohio?

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

Car Theft in Lima

High levels of vehicle theft can make car insurance more expensive. Lima, OH car theft statistics from the FBI indicate 98 vehicle thefts a year.

Commute Time in Lima

The more time you spend in your car the higher the risk of an accident. The average commute length in Lima, OH is 27.6 minutes according to City-Data.

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Compare Car Insurance Quotes in Lima, OH

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