Compare Lynchburg, OH Car Insurance Rates (2021)

Car insurance in Lynchburg, OH averages $228 a month. Lynchburg, Ohio car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Lynchburg car insurance rates, compare quotes from the top car insurance companies in Lynchburg, 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 Lynchburg for teen drivers is USAA
  • Average car insurance rates in Lynchburg, OH after a DUI are $3,180/year
  • Average car insurance rates in Lynchburg, OH are $2,734/year

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

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

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

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

How do age, gender, and marital status affect Lynchburg, OH car insurance rates? Every Lynchburg, 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 Lynchburg, 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 $2,075 $2,065 $1,872 $2,001 $5,767 $6,602 $2,178 $2,324
American Family $996 $1,036 $903 $910 $2,951 $3,215 $1,223 $1,291
Farmers $1,781 $1,776 $1,571 $1,655 $7,714 $7,999 $1,991 $2,079
GEICO $1,310 $1,267 $1,219 $1,222 $3,458 $3,218 $1,457 $1,239
Liberty Mutual $1,828 $1,993 $1,409 $1,709 $9,609 $10,846 $1,942 $2,119
Nationwide $2,227 $2,241 $2,007 $2,025 $5,646 $7,298 $2,390 $2,788
Progressive $1,682 $1,596 $1,398 $1,442 $7,244 $8,172 $2,016 $2,081
State Farm $1,586 $1,586 $1,404 $1,404 $4,718 $5,942 $1,836 $2,102
Travelers $1,448 $1,471 $1,429 $1,423 $6,114 $9,645 $1,505 $1,734
USAA $862 $869 $817 $819 $2,616 $2,917 $1,151 $1,244

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Minimum Car Insurance in Lynchburg, OH

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

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

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

Annual Car Insurance Rates by Credit Score in Lynchburg, Ohio

Insurance Company Poor Fair Good
Allstate $3,993 $2,909 $2,429
American Family $2,072 $1,420 $1,205
Farmers $3,765 $3,174 $3,023
GEICO $2,156 $1,799 $1,441
Liberty Mutual $5,625 $3,458 $2,713
Nationwide $4,017 $3,235 $2,731
Progressive $3,612 $3,105 $2,895
State Farm $3,666 $2,266 $1,785
Travelers $3,466 $3,012 $2,811
USAA $1,835 $1,297 $1,104

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

Annual Lynchburg, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,613 $3,160 $3,711 $2,958
American Family $1,500 $1,588 $1,588 $1,588
Farmers $2,742 $3,526 $3,438 $3,578
GEICO $1,230 $1,762 $2,528 $1,676
Liberty Mutual $3,305 $4,239 $4,329 $3,854
Nationwide $2,662 $3,393 $4,311 $2,946
Progressive $2,767 $3,741 $2,945 $3,362
State Farm $2,358 $2,787 $2,572 $2,572
Travelers $2,288 $2,971 $4,473 $2,653
USAA $1,087 $1,453 $1,904 $1,204

Cheapest Lynchburg, OH Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lynchburg, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,767 $6,602
American Family $2,951 $3,215
Farmers $7,714 $7,999
GEICO $3,458 $3,218
Liberty Mutual $9,609 $10,846
Nationwide $5,646 $7,298
Progressive $7,244 $8,172
State Farm $4,718 $5,942
Travelers $6,114 $9,645
USAA $2,616 $2,917

Cheapest Lynchburg, OH Car Insurance for Seniors

Take a look at Lynchburg, 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 Lynchburg, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,872 $2,001
American Family $903 $910
Farmers $1,571 $1,655
GEICO $1,219 $1,222
Liberty Mutual $1,409 $1,709
Nationwide $2,007 $2,025
Progressive $1,398 $1,442
State Farm $1,404 $1,404
Travelers $1,429 $1,423
USAA $817 $819

Cheapest Lynchburg, OH Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lynchburg, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,711
American Family $1,588
Farmers $3,438
GEICO $2,528
Liberty Mutual $4,329
Nationwide $4,311
Progressive $2,945
State Farm $2,572
Travelers $4,473
USAA $1,904

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Cheapest Lynchburg, OH Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lynchburg, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,110 $3,110
American Family $1,547 $1,585
Farmers $3,321 $3,321
GEICO $1,766 $1,831
Liberty Mutual $3,932 $3,932
Nationwide $3,328 $3,328
Progressive $3,204 $3,204
State Farm $2,510 $2,635
Travelers $3,096 $3,096
USAA $1,358 $1,466

The Best Cheap Car Insurance Companies in Lynchburg, OH

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

Average Annual Car Insurance Rates by Company in Lynchburg, Ohio

Insurance Company Average Annual Rates
Allstate $3,110
American Family $1,566
Farmers $3,321
GEICO $1,799
Liberty Mutual $3,932
Nationwide $3,328
Progressive $3,204
State Farm $2,572
Travelers $3,096
USAA $1,412

Category Winners: Cheapest Car Insurance in Lynchburg, Ohio

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

Best Annual Car Insurance Rates by Company in Lynchburg, 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

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Cheapest Lynchburg, OH Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lynchburg, Ohio

Insurance Company Low Medium High
Allstate $3,013 $3,104 $3,214
American Family $1,540 $1,577 $1,580
Farmers $3,152 $3,272 $3,538
GEICO $1,745 $1,791 $1,860
Liberty Mutual $3,787 $3,951 $4,058
Nationwide $3,681 $3,226 $3,077
Progressive $3,083 $3,177 $3,351
State Farm $2,466 $2,579 $2,672
Travelers $3,018 $3,137 $3,134
USAA $1,353 $1,410 $1,473

What affects car insurance rates in Lynchburg, Ohio?

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

Commute Time in Lynchburg

The more time you spend in your car the higher the risk of an accident. The average commute length in Lynchburg, OH is 32.6 minutes according to City-Data.

Traffic in Lynchburg

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lynchburg, OH traffic data from INRIX ranks Lynchburg as the 467th-most congested in the world.

Compare Car Insurance Quotes in Lynchburg, OH

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