Best Cheap Auto Insurance in Kirtland, OH (2021)

The average Kirtland, OH auto insurance rates are $226 per month. The minimum auto insurance in Kirtland is at least 25/50/25 in coverage to comply with Ohio auto insurance laws. To find the best cheap auto insurance in Kirtland, 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

  • Average auto insurance rates in Kirtland, OH for senior drivers are $1,397 per year
  • The average commute length in Kirtland is 24.1 minutes
  • The minimum auto insurance required in Kirtland, Ohio is 25/50/25

Kirtland, Ohio auto insurance requirements are 25/50/25 according to Ohio auto insurance laws. Finding cheap auto insurance in Kirtland 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 Kirtland, Ohio, including driving record, credit, commute time, and more.

Compare auto insurance in Kirtland to other Ohio cities, including Youngs auto insurance rates, Cincinnati auto insurance rates, and Lorain auto insurance rates to see how Kirtland, Ohio auto insurance rates stack up.

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

Minimum Auto Insurance in Kirtland, Ohio

Kirtland, 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 Kirtland, Ohio.

Minimum Required Auto Insurance Coverage in Kirtland, 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 Kirtland, Ohio Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Kirtland, 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 Kirtland, 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 $2,113 $2,096 $1,917 $2,047 $5,985 $6,847 $2,200 $2,337
American Family $926 $961 $851 $853 $2,957 $3,206 $1,150 $1,211
Farmers $1,833 $1,831 $1,612 $1,706 $8,338 $8,677 $2,051 $2,133
GEICO $1,209 $1,172 $1,136 $1,148 $3,218 $2,990 $1,343 $1,136
Liberty Mutual $1,842 $2,012 $1,413 $1,726 $9,806 $11,075 $1,944 $2,118
Nationwide $2,125 $2,135 $1,920 $1,932 $5,484 $7,058 $2,276 $2,644
Progressive $1,652 $1,542 $1,376 $1,421 $7,678 $8,636 $1,977 $2,046
State Farm $1,391 $1,391 $1,255 $1,255 $4,510 $5,653 $1,621 $1,863
Travelers $1,336 $1,355 $1,334 $1,325 $5,823 $9,201 $1,395 $1,581
USAA $895 $902 $854 $851 $2,780 $3,091 $1,195 $1,282

Cheap Kirtland, Ohio Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Kirtland, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,985 $6,847
American Family $2,957 $3,206
Farmers $8,338 $8,677
GEICO $3,218 $2,990
Liberty Mutual $9,806 $11,075
Nationwide $5,484 $7,058
Progressive $7,678 $8,636
State Farm $4,510 $5,653
Travelers $5,823 $9,201
USAA $2,780 $3,091

Cheap Kirtland, Ohio Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Kirtland, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,917 $2,047
American Family $851 $853
Farmers $1,612 $1,706
GEICO $1,136 $1,148
Liberty Mutual $1,413 $1,726
Nationwide $1,920 $1,932
Progressive $1,376 $1,421
State Farm $1,255 $1,255
Travelers $1,334 $1,325
USAA $854 $851

Cheap Kirtland, 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 Kirtland, Ohio compared to the annual auto insurance rates with a clean record in Kirtland, Ohio.

Annual Kirtland, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,668 $3,241 $3,829 $3,032
American Family $1,451 $1,536 $1,536 $1,536
Farmers $2,905 $3,745 $3,653 $3,787
GEICO $1,136 $1,634 $2,367 $1,540
Liberty Mutual $3,347 $4,315 $4,396 $3,910
Nationwide $2,566 $3,258 $4,128 $2,835
Progressive $2,833 $3,875 $3,019 $3,438
State Farm $2,147 $2,588 $2,367 $2,367
Travelers $2,147 $2,802 $4,229 $2,498
USAA $1,134 $1,523 $2,012 $1,257

Cheap Kirtland, Ohio Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Kirtland, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,829
American Family $1,536
Farmers $3,653
GEICO $2,367
Liberty Mutual $4,396
Nationwide $4,128
Progressive $3,019
State Farm $2,367
Travelers $4,229
USAA $2,012

Cheap Kirtland, Ohio Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Kirtland, Ohio

Insurance Company Poor Fair Good
Allstate $4,097 $2,991 $2,490
American Family $2,015 $1,370 $1,158
Farmers $3,981 $3,374 $3,213
GEICO $1,999 $1,669 $1,339
Liberty Mutual $5,709 $3,513 $2,754
Nationwide $3,858 $3,108 $2,625
Progressive $3,673 $3,199 $3,001
State Farm $3,373 $2,085 $1,644
Travelers $3,261 $2,840 $2,655
USAA $1,918 $1,363 $1,163

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Cheap Kirtland, Ohio Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Kirtland, Ohio can vary. Compare the annual cost of auto insurance by ZIP code in Kirtland, Ohio to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Kirtland, Ohio

ZIP Code Average Annual Rates
44094 $2,608

Cheap Kirtland, Ohio Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Kirtland, Ohio

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,193 $3,193
American Family $1,496 $1,533
Farmers $3,523 $3,523
GEICO $1,640 $1,698
Liberty Mutual $3,992 $3,992
Nationwide $3,197 $3,197
Progressive $3,291 $3,291
State Farm $2,308 $2,427
Travelers $2,919 $2,919
USAA $1,425 $1,538

Cheap Kirtland, Ohio Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Kirtland, Ohio

Insurance Company Low Medium High
Allstate $3,078 $3,186 $3,314
American Family $1,489 $1,527 $1,528
Farmers $3,318 $3,462 $3,787
GEICO $1,615 $1,662 $1,730
Liberty Mutual $3,820 $4,016 $4,140
Nationwide $3,527 $3,099 $2,965
Progressive $3,160 $3,264 $3,449
State Farm $2,240 $2,375 $2,487
Travelers $2,834 $2,958 $2,964
USAA $1,408 $1,480 $1,556

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Best By Category: Cheapest Auto Insurance in Kirtland, Ohio

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

Best Annual Auto Insurance Rates by Company in Kirtland, Ohio

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

The Cheapest Kirtland, Ohio Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Kirtland, Ohio

Insurance Company Average Annual Rates
Allstate $3,193
American Family $1,514
Farmers $3,523
GEICO $1,669
Liberty Mutual $3,992
Nationwide $3,197
Progressive $3,291
State Farm $2,367
Travelers $2,919
USAA $1,481

What affects auto insurance rates in Kirtland, Ohio?

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

Kirtland Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Kirtland, Ohio auto theft statistics, there have been 0 auto thefts in the city.

Kirtland Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Kirtland, Ohio commute length is 24.1 minutes according to City-Data.

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Compare Kirtland, Ohio Auto Insurance Quotes

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