Best Cheap Auto Insurance in Lorain, OH (2021)

The average Lorain, OH auto insurance rates are $227 per month. The minimum auto insurance in Lorain is at least 25/50/25 in coverage to comply with Ohio auto insurance laws. To find the best cheap auto insurance in Lorain, Ohio, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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: Jul 16, 2021

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Things to Remember

  • The average commute length in Lorain is 23.7 minutes
  • The most expensive auto insurance company in Lorain for teen drivers is Liberty Mutual
  • The cheapest auto insurance company in Lorain is USAA

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

Compare auto insurance in Lorain to other Ohio cities, including Cleveland auto insurance rates, Lorain auto insurance rates, and Columbus auto insurance rates to see how Lorain, Ohio auto insurance rates stack up.

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

Minimum Auto Insurance in Lorain, Ohio

Lorain, 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 Lorain, Ohio.

Minimum Required Auto 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

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

Auto insurance rates in Lorain, 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 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

Cheap Lorain, Ohio Auto Insurance for Teen Drivers

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

Annual Auto 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

Cheap Lorain, Ohio Auto Insurance for Seniors

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

Annual Auto 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

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

Annual Lorain, Ohio Auto 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

Cheap Lorain, Ohio Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lorain, Ohio

Insurance Company Annual Auto 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

Cheap Lorain, Ohio Auto Insurance By Credit History

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

Annual Auto 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

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Cheap Lorain, Ohio Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lorain, Ohio

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

Cheap Lorain, Ohio Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lorain, Ohio

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Lorain, Ohio Auto Insurance Rates By Coverage Level

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

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Lorain, Ohio

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

Best Annual Auto 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

The Cheapest Lorain, Ohio Auto Insurance Companies

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

Average Annual Auto 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

What affects auto insurance rates in Lorain, Ohio?

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

Lorain Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lorain, Ohio commute length is 23.7 minutes according to City-Data.

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Compare Lorain, Ohio Auto Insurance Quotes

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