Compare Shelby, OH Car Insurance Rates (2021)

Car insurance in Shelby, OH averages $222 a month. Shelby, Ohio car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Shelby car insurance rates, compare quotes from the top car insurance companies in Shelby, 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 Shelby, OH after a DUI are $3,111/year
  • The cheapest car insurance company in Shelby is American Family
  • The cheapest car insurance company in Shelby for teen drivers is American Family

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

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

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

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

How do age, gender, and marital status affect Shelby, OH car insurance rates? Every Shelby, 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 Shelby, 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 $2,018 $2,015 $1,815 $1,942 $5,508 $6,300 $2,127 $2,277
American Family $883 $916 $801 $805 $2,634 $2,862 $1,090 $1,148
Farmers $1,755 $1,753 $1,545 $1,629 $7,741 $8,049 $1,966 $2,056
GEICO $1,322 $1,284 $1,232 $1,237 $3,519 $3,281 $1,469 $1,252
Liberty Mutual $2,025 $2,211 $1,558 $1,893 $10,500 $11,866 $2,157 $2,359
Nationwide $2,061 $2,071 $1,861 $1,874 $5,264 $6,784 $2,208 $2,568
Progressive $1,541 $1,450 $1,284 $1,325 $6,875 $7,737 $1,844 $1,906
State Farm $1,363 $1,363 $1,222 $1,222 $4,273 $5,368 $1,584 $1,815
Travelers $1,412 $1,434 $1,403 $1,395 $6,058 $9,546 $1,472 $1,683
USAA $869 $876 $829 $827 $2,689 $2,992 $1,161 $1,252

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Minimum Car Insurance in Shelby, OH

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

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

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

Annual Car Insurance Rates by Credit Score in Shelby, Ohio

Insurance Company Poor Fair Good
Allstate $3,853 $2,803 $2,345
American Family $1,849 $1,262 $1,067
Farmers $3,750 $3,168 $3,017
GEICO $2,187 $1,824 $1,462
Liberty Mutual $6,196 $3,793 $2,974
Nationwide $3,723 $3,001 $2,535
Progressive $3,362 $2,907 $2,716
State Farm $3,243 $2,005 $1,580
Travelers $3,412 $2,968 $2,771
USAA $1,864 $1,321 $1,126

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

Annual Shelby, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,530 $3,053 $3,563 $2,855
American Family $1,335 $1,412 $1,412 $1,412
Farmers $2,733 $3,517 $3,430 $3,567
GEICO $1,244 $1,788 $2,571 $1,695
Liberty Mutual $3,633 $4,655 $4,761 $4,235
Nationwide $2,476 $3,146 $3,988 $2,736
Progressive $2,583 $3,512 $2,751 $3,135
State Farm $2,073 $2,479 $2,276 $2,276
Travelers $2,246 $2,927 $4,415 $2,613
USAA $1,103 $1,480 $1,943 $1,222

Cheapest Shelby, OH Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Shelby, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,508 $6,300
American Family $2,634 $2,862
Farmers $7,741 $8,049
GEICO $3,519 $3,281
Liberty Mutual $10,500 $11,866
Nationwide $5,264 $6,784
Progressive $6,875 $7,737
State Farm $4,273 $5,368
Travelers $6,058 $9,546
USAA $2,689 $2,992

Cheapest Shelby, OH Car Insurance for Seniors

Take a look at Shelby, 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 Shelby, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,815 $1,942
American Family $801 $805
Farmers $1,545 $1,629
GEICO $1,232 $1,237
Liberty Mutual $1,558 $1,893
Nationwide $1,861 $1,874
Progressive $1,284 $1,325
State Farm $1,222 $1,222
Travelers $1,403 $1,395
USAA $829 $827

Cheapest Shelby, OH Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Shelby, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,563
American Family $1,412
Farmers $3,430
GEICO $2,571
Liberty Mutual $4,761
Nationwide $3,988
Progressive $2,751
State Farm $2,276
Travelers $4,415
USAA $1,943

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Cheapest Shelby, OH Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Shelby, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,000 $3,000
American Family $1,376 $1,409
Farmers $3,312 $3,312
GEICO $1,792 $1,857
Liberty Mutual $4,321 $4,321
Nationwide $3,087 $3,087
Progressive $2,995 $2,995
State Farm $2,219 $2,333
Travelers $3,050 $3,050
USAA $1,382 $1,492

The Best Cheap Car Insurance Companies in Shelby, OH

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

Average Annual Car Insurance Rates by Company in Shelby, Ohio

Insurance Company Average Annual Rates
Allstate $3,000
American Family $1,392
Farmers $3,312
GEICO $1,824
Liberty Mutual $4,321
Nationwide $3,087
Progressive $2,995
State Farm $2,276
Travelers $3,050
USAA $1,437

Category Winners: Cheapest Car Insurance in Shelby, Ohio

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

Best Annual Car Insurance Rates by Company in Shelby, Ohio

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

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Cheapest Shelby, OH Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Shelby, Ohio

Insurance Company Low Medium High
Allstate $2,906 $2,995 $3,100
American Family $1,374 $1,403 $1,401
Farmers $3,139 $3,262 $3,535
GEICO $1,771 $1,817 $1,886
Liberty Mutual $4,169 $4,343 $4,452
Nationwide $3,417 $2,991 $2,852
Progressive $2,883 $2,970 $3,132
State Farm $2,161 $2,283 $2,383
Travelers $2,971 $3,091 $3,090
USAA $1,373 $1,436 $1,502

What affects car insurance rates in Shelby, Ohio?

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

Car Theft in Shelby

High levels of vehicle theft can make car insurance more expensive. Shelby, OH car theft statistics from the FBI indicate 5 vehicle thefts a year.

Commute Time in Shelby

The more time you spend in your car the higher the risk of an accident. The average commute length in Shelby, OH is 21.0 minutes according to City-Data.

Compare Car Insurance Quotes in Shelby, OH

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

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