Best Cheap Auto Insurance in Beachwood, OH (2021)

The average Beachwood, OH auto insurance rates are $283 per month. The minimum auto insurance in Beachwood is at least 25/50/25 in coverage to comply with Ohio auto insurance laws. To find the best cheap auto insurance in Beachwood, Ohio, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Beachwood, Ohio is 25/50/25
  • Average auto insurance rates in Beachwood, OH for senior drivers are $1,749 per year
  • The most expensive auto insurance company in Beachwood for teen drivers is Liberty Mutual

Beachwood, Ohio auto insurance requirements are 25/50/25 according to Ohio auto insurance laws. Finding cheap auto insurance in Beachwood can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Beachwood, Ohio, including driving record, credit, commute time, and more.

Compare auto insurance in Beachwood to other Ohio cities, including Akron auto insurance rates, Parma auto insurance rates, and Canton auto insurance rates to see how Beachwood, Ohio auto insurance rates stack up.

Before you buy Beachwood, Ohio auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Beachwood, Ohio auto insurance quotes.

Minimum Auto Insurance in Beachwood, Ohio

Beachwood, Ohio auto insurance laws require that you have at least the Ohio minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Beachwood, Ohio.

Minimum Required Auto Insurance Coverage in Beachwood, 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

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Cheap Beachwood, Ohio Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Beachwood, Ohio are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Beachwood, 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 $2,656 $2,642 $2,408 $2,577 $7,477 $8,516 $2,766 $2,940
American Family $983 $1,020 $908 $911 $3,230 $3,504 $1,223 $1,289
Farmers $2,227 $2,228 $1,957 $2,071 $10,242 $10,675 $2,496 $2,597
GEICO $1,552 $1,502 $1,482 $1,487 $4,045 $3,739 $1,710 $1,429
Liberty Mutual $2,532 $2,771 $1,940 $2,373 $13,157 $14,876 $2,695 $2,947
Nationwide $2,729 $2,743 $2,465 $2,483 $6,930 $8,929 $2,923 $3,398
Progressive $1,771 $1,654 $1,474 $1,523 $8,208 $9,236 $2,122 $2,196
State Farm $1,848 $1,848 $1,667 $1,667 $5,898 $7,399 $2,149 $2,462
Travelers $1,873 $1,902 $1,865 $1,858 $8,346 $13,287 $1,956 $2,220
USAA $980 $989 $933 $932 $3,040 $3,385 $1,313 $1,413

Cheap Beachwood, Ohio Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Beachwood, Ohio is a challenge. Take a look at the annual teen auto insurance rates in Beachwood, Ohio.

Annual Auto Insurance Rates for Teen Drivers in Beachwood, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,477 $8,516
American Family $3,230 $3,504
Farmers $10,242 $10,675
GEICO $4,045 $3,739
Liberty Mutual $13,157 $14,876
Nationwide $6,930 $8,929
Progressive $8,208 $9,236
State Farm $5,898 $7,399
Travelers $8,346 $13,287
USAA $3,040 $3,385

Cheap Beachwood, Ohio Auto Insurance for Seniors

What are senior auto insurance rates in Beachwood, Ohio? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Beachwood, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,408 $2,577
American Family $908 $911
Farmers $1,957 $2,071
GEICO $1,482 $1,487
Liberty Mutual $1,940 $2,373
Nationwide $2,465 $2,483
Progressive $1,474 $1,523
State Farm $1,667 $1,667
Travelers $1,865 $1,858
USAA $933 $932

Cheap Beachwood, Ohio Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Beachwood, Ohio compared to the annual auto insurance rates with a clean record in Beachwood, Ohio.

Annual Beachwood, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,337 $4,072 $4,789 $3,793
American Family $1,563 $1,657 $1,657 $1,657
Farmers $3,555 $4,585 $4,472 $4,634
GEICO $1,443 $2,073 $2,984 $1,973
Liberty Mutual $4,542 $5,836 $5,967 $5,299
Nationwide $3,271 $4,153 $5,262 $3,614
Progressive $3,032 $4,147 $3,230 $3,682
State Farm $2,832 $3,403 $3,117 $3,117
Travelers $3,056 $3,996 $6,048 $3,553
USAA $1,242 $1,668 $2,206 $1,377

Cheap Beachwood, Ohio Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Beachwood, Ohio is not easy. Compare the annual rates for DUI auto insurance in Beachwood, Ohio to find the best deal.

Annual Auto Insurance Rates After a DUI in Beachwood, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,789
American Family $1,657
Farmers $4,472
GEICO $2,984
Liberty Mutual $5,967
Nationwide $5,262
Progressive $3,230
State Farm $3,117
Travelers $6,048
USAA $2,206

Cheap Beachwood, Ohio Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Beachwood, Ohio annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Beachwood, Ohio

Insurance Company Poor Fair Good
Allstate $5,163 $3,736 $3,094
American Family $2,175 $1,476 $1,249
Farmers $4,871 $4,131 $3,933
GEICO $2,543 $2,118 $1,693
Liberty Mutual $7,771 $4,746 $3,717
Nationwide $4,912 $3,963 $3,350
Progressive $3,933 $3,424 $3,212
State Farm $4,435 $2,748 $2,169
Travelers $4,651 $4,052 $3,787
USAA $2,106 $1,492 $1,272

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Cheap Beachwood, Ohio Auto Insurance Rates By Commute

Commute length and annual mileage affect Beachwood, Ohio auto insurance. Find the cheapest annual Beachwood, Ohio auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Beachwood, Ohio

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,998 $3,998
American Family $1,613 $1,653
Farmers $4,312 $4,312
GEICO $2,081 $2,155
Liberty Mutual $5,411 $5,411
Nationwide $4,075 $4,075
Progressive $3,523 $3,523
State Farm $3,039 $3,196
Travelers $4,163 $4,163
USAA $1,560 $1,686

Cheap Beachwood, Ohio Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Beachwood, Ohio? Check out the comparison of annual Beachwood, Ohio auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Beachwood, Ohio

Insurance Company Low Medium High
Allstate $3,809 $3,986 $4,199
American Family $1,600 $1,646 $1,654
Farmers $4,057 $4,235 $4,643
GEICO $2,033 $2,104 $2,218
Liberty Mutual $5,193 $5,441 $5,601
Nationwide $4,475 $3,953 $3,798
Progressive $3,387 $3,495 $3,687
State Farm $2,942 $3,127 $3,283
Travelers $4,030 $4,222 $4,238
USAA $1,545 $1,622 $1,703

Best By Category: Cheapest Auto Insurance in Beachwood, Ohio

Compare the cheapest auto insurance companies in Beachwood, Ohio in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Beachwood, Ohio

Category Insurance Company
Teenagers USAA
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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The Cheapest Beachwood, Ohio Auto Insurance Companies

What auto insurance companies in Beachwood, Ohio are the cheapest? Compare the top Beachwood, Ohio auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Beachwood, Ohio

Insurance Company Average Annual Rates
Allstate $3,998
American Family $1,633
Farmers $4,312
GEICO $2,118
Liberty Mutual $5,411
Nationwide $4,075
Progressive $3,523
State Farm $3,117
Travelers $4,163
USAA $1,623

What affects auto insurance rates in Beachwood, Ohio?

There are a lot of reasons why auto insurance rates in Beachwood, Ohio are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Beachwood, Ohio. Many local factors may affect your Beachwood auto insurance rates.

Beachwood Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Beachwood, Ohio auto theft statistics, there have been 5 auto thefts in the city.

Beachwood Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Beachwood, Ohio commute length is 22.5 minutes according to City-Data.

Compare Beachwood, Ohio Auto Insurance Quotes

Before you buy Beachwood, Ohio auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Beachwood, Ohio auto insurance quotes.

Free Auto Insurance Comparison

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

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