Compare Lorain, OH Car Insurance Rates (2021)

Car insurance in Lorain, OH averages $227 a month. Lorain, Ohio car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Lorain car insurance rates, compare quotes from the top car insurance companies in Lorain, 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

  • The cheapest car insurance company in Lorain for teen drivers is USAA
  • The cheapest car insurance company in Lorain is USAA
  • The cheapest ZIP code in Lorain is 44053

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

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

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

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

How do age, gender, and marital status affect Lorain, OH car insurance rates? Every Lorain, 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 Lorain, 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 $1,972 $1,959 $1,793 $1,915 $5,541 $6,323 $2,049 $2,173
American Family $960 $995 $888 $890 $3,140 $3,403 $1,193 $1,256
Farmers $1,745 $1,747 $1,534 $1,623 $8,079 $8,429 $1,956 $2,033
GEICO $1,243 $1,215 $1,186 $1,216 $3,364 $3,122 $1,377 $1,157
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 $1,697 $1,587 $1,416 $1,464 $7,761 $8,739 $2,015 $2,089
State Farm $1,468 $1,468 $1,325 $1,325 $4,736 $5,950 $1,709 $1,956
Travelers $1,418 $1,437 $1,421 $1,410 $6,249 $9,865 $1,483 $1,675
USAA $811 $817 $775 $772 $2,509 $2,788 $1,080 $1,161

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Minimum Car Insurance in Lorain, OH

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

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

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

Annual Car Insurance Rates by Credit Score in Lorain, Ohio

Insurance Company Poor Fair Good
Allstate $3,803 $2,780 $2,314
American Family $2,117 $1,438 $1,217
Farmers $3,830 $3,253 $3,097
GEICO $2,079 $1,735 $1,391
Liberty Mutual $5,853 $3,604 $2,826
Nationwide $3,843 $3,099 $2,619
Progressive $3,740 $3,253 $3,045
State Farm $3,552 $2,195 $1,730
Travelers $3,486 $3,036 $2,838
USAA $1,733 $1,232 $1,052

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

Annual Lorain, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,478 $3,017 $3,552 $2,815
American Family $1,523 $1,613 $1,613 $1,613
Farmers $2,799 $3,609 $3,520 $3,644
GEICO $1,172 $1,696 $2,488 $1,584
Liberty Mutual $3,433 $4,426 $4,508 $4,011
Nationwide $2,564 $3,248 $4,106 $2,830
Progressive $2,882 $3,932 $3,075 $3,494
State Farm $2,262 $2,723 $2,492 $2,492
Travelers $2,288 $2,994 $4,529 $2,669
USAA $1,028 $1,379 $1,812 $1,138

Cheapest Lorain, OH Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lorain, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,541 $6,323
American Family $3,140 $3,403
Farmers $8,079 $8,429
GEICO $3,364 $3,122
Liberty Mutual $10,070 $11,368
Nationwide $5,500 $7,057
Progressive $7,761 $8,739
State Farm $4,736 $5,950
Travelers $6,249 $9,865
USAA $2,509 $2,788

Cheapest Lorain, OH Car Insurance for Seniors

Take a look at Lorain, 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 Lorain, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,793 $1,915
American Family $888 $890
Farmers $1,534 $1,623
GEICO $1,186 $1,216
Liberty Mutual $1,447 $1,768
Nationwide $1,912 $1,921
Progressive $1,416 $1,464
State Farm $1,325 $1,325
Travelers $1,421 $1,410
USAA $775 $772

Cheapest Lorain, OH Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lorain, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,552
American Family $1,613
Farmers $3,520
GEICO $2,488
Liberty Mutual $4,508
Nationwide $4,106
Progressive $3,075
State Farm $2,492
Travelers $4,529
USAA $1,812

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Cheapest Lorain, OH Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lorain, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,966 $2,966
American Family $1,571 $1,610
Farmers $3,393 $3,393
GEICO $1,705 $1,765
Liberty Mutual $4,094 $4,094
Nationwide $3,187 $3,187
Progressive $3,346 $3,346
State Farm $2,428 $2,556
Travelers $3,120 $3,120
USAA $1,289 $1,390

Cheapest Lorain, OH Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Lorain, Ohio

ZIP Code Average Annual Rates
44052 $2,624
44053 $2,584
44055 $2,648

The Best Cheap Car Insurance Companies in Lorain, OH

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

Average Annual Car Insurance Rates by Company in Lorain, Ohio

Insurance Company Average Annual Rates
Allstate $2,966
American Family $1,590
Farmers $3,393
GEICO $1,735
Liberty Mutual $4,094
Nationwide $3,187
Progressive $3,346
State Farm $2,492
Travelers $3,120
USAA $1,339

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Category Winners: Cheapest Car Insurance in Lorain, Ohio

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

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

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

Annual Car Insurance Rates by Coverage Level in Lorain, Ohio

Insurance Company Low Medium High
Allstate $2,846 $2,959 $3,092
American Family $1,556 $1,603 $1,613
Farmers $3,189 $3,332 $3,660
GEICO $1,668 $1,725 $1,812
Liberty Mutual $3,917 $4,119 $4,247
Nationwide $3,499 $3,091 $2,971
Progressive $3,173 $3,310 $3,555
State Farm $2,352 $2,501 $2,624
Travelers $3,029 $3,162 $3,169
USAA $1,276 $1,338 $1,404

What affects car insurance rates in Lorain, Ohio?

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

Commute Time in Lorain

The more time you spend in your car the higher the risk of an accident. The average commute length in Lorain, OH is 23.7 minutes according to City-Data.

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Compare Car Insurance Quotes in Lorain, OH

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