Best Cheap Auto Insurance in Waterloo, OH (2021)

The average Waterloo, OH auto insurance rates are $259 per month. The minimum auto insurance in Waterloo is at least 25/50/25 in coverage to comply with Ohio auto insurance laws. To find the best cheap auto insurance in Waterloo, Ohio, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • Average auto insurance rates in Waterloo, OH for senior drivers are $1,623 per year
  • The minimum auto insurance required in Waterloo, Ohio is 25/50/25
  • The most expensive auto insurance company in Waterloo for teen drivers is Liberty Mutual

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

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

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

Minimum Auto Insurance in Waterloo, Ohio

Waterloo, 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 Waterloo, Ohio.

Minimum Required Auto Insurance Coverage in Waterloo, 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

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

Auto insurance rates in Waterloo, 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 Waterloo, 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 $2,171 $2,177 $1,943 $2,083 $5,810 $6,638 $2,303 $2,476
American Family $991 $1,032 $895 $903 $2,920 $3,188 $1,219 $1,289
Farmers $2,011 $2,010 $1,773 $1,868 $8,679 $9,014 $2,245 $2,346
GEICO $1,488 $1,434 $1,372 $1,372 $3,911 $3,639 $1,660 $1,414
Liberty Mutual $2,491 $2,728 $1,919 $2,335 $12,332 $13,953 $2,683 $2,945
Nationwide $2,425 $2,442 $2,181 $2,203 $6,095 $7,903 $2,607 $3,049
Progressive $2,156 $2,059 $1,791 $1,850 $8,992 $10,161 $2,580 $2,664
State Farm $1,698 $1,698 $1,511 $1,511 $5,115 $6,437 $1,966 $2,247
Travelers $1,543 $1,568 $1,521 $1,516 $6,548 $10,354 $1,603 $1,849
USAA $1,012 $1,022 $956 $960 $3,091 $3,453 $1,359 $1,474

Cheap Waterloo, Ohio Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Waterloo, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,810 $6,638
American Family $2,920 $3,188
Farmers $8,679 $9,014
GEICO $3,911 $3,639
Liberty Mutual $12,332 $13,953
Nationwide $6,095 $7,903
Progressive $8,992 $10,161
State Farm $5,115 $6,437
Travelers $6,548 $10,354
USAA $3,091 $3,453

Cheap Waterloo, Ohio Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Waterloo, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,943 $2,083
American Family $895 $903
Farmers $1,773 $1,868
GEICO $1,372 $1,372
Liberty Mutual $1,919 $2,335
Nationwide $2,181 $2,203
Progressive $1,791 $1,850
State Farm $1,511 $1,511
Travelers $1,521 $1,516
USAA $956 $960

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

Annual Waterloo, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,711 $3,264 $3,780 $3,046
American Family $1,489 $1,577 $1,577 $1,577
Farmers $3,095 $3,974 $3,876 $4,028
GEICO $1,397 $1,993 $2,843 $1,913
Liberty Mutual $4,361 $5,555 $5,708 $5,068
Nationwide $2,881 $3,684 $4,693 $3,193
Progressive $3,485 $4,694 $3,709 $4,239
State Farm $2,537 $3,009 $2,773 $2,773
Travelers $2,447 $3,178 $4,789 $2,837
USAA $1,279 $1,712 $2,253 $1,418

Cheap Waterloo, Ohio Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Waterloo, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,780
American Family $1,577
Farmers $3,876
GEICO $2,843
Liberty Mutual $5,708
Nationwide $4,693
Progressive $3,709
State Farm $2,773
Travelers $4,789
USAA $2,253

Cheap Waterloo, Ohio Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Waterloo, Ohio

Insurance Company Poor Fair Good
Allstate $4,122 $2,982 $2,497
American Family $2,062 $1,408 $1,194
Farmers $4,246 $3,576 $3,407
GEICO $2,444 $2,036 $1,629
Liberty Mutual $7,449 $4,523 $3,548
Nationwide $4,365 $3,512 $2,962
Progressive $4,564 $3,903 $3,628
State Farm $3,947 $2,443 $1,928
Travelers $3,708 $3,222 $3,008
USAA $2,170 $1,528 $1,299

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Waterloo, Ohio Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Waterloo, Ohio

ZIP Code Average Annual Rates
45688 $2,968

Cheap Waterloo, Ohio Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Waterloo, Ohio

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,200 $3,200
American Family $1,536 $1,574
Farmers $3,743 $3,743
GEICO $1,997 $2,076
Liberty Mutual $5,173 $5,173
Nationwide $3,613 $3,613
Progressive $4,032 $4,032
State Farm $2,705 $2,841
Travelers $3,313 $3,313
USAA $1,600 $1,731

Cheap Waterloo, Ohio Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Waterloo, Ohio

Insurance Company Low Medium High
Allstate $3,097 $3,194 $3,309
American Family $1,532 $1,566 $1,565
Farmers $3,550 $3,686 $3,994
GEICO $1,977 $2,028 $2,104
Liberty Mutual $5,008 $5,195 $5,316
Nationwide $4,010 $3,501 $3,329
Progressive $3,866 $3,995 $4,234
State Farm $2,643 $2,780 $2,896
Travelers $3,226 $3,357 $3,355
USAA $1,596 $1,664 $1,737

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Waterloo, Ohio

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

Best Annual Auto Insurance Rates by Company in Waterloo, 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

The Cheapest Waterloo, Ohio Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Waterloo, Ohio

Insurance Company Average Annual Rates
Allstate $3,200
American Family $1,555
Farmers $3,743
GEICO $2,036
Liberty Mutual $5,173
Nationwide $3,613
Progressive $4,032
State Farm $2,773
Travelers $3,313
USAA $1,666

Compare Waterloo, Ohio Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption