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Cheapest car insurance in Lorain, Ohio (Nov 2024)
Cheapest car insurance in Lorain, Ohio (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Lorain, Ohio.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance in Lorain
- Best Car Insurance Companies in Lorain
- Best cheap car insurance quotes in Lorain
- Average cost of car insurance in Lorain
- Car insurance quotes in Lorain by rating factors
- How do different factors impact your car insurance costs in Lorain?
- Cheap car insurance quotes in Lorain after driving violations
- Cheap car insurance quotes in Lorain by age
- Cheap car insurance quotes in Lorain based on insurance history
- Cheap car insurance quotes in Lorain for popular cars
- How to lower car insurance costs in Lorain
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance in Lorain
On average,
auto insurance
in Lorain costs about $64 per month for minimum coverage liability insurance, and about $132 per month for full coverage insurance. In Lorain drivers pay -- than the national average. Smart car insurance shoppers in Lorain, Ohio come to Jerry every month because Jerry makes it easy for customers to
compare and buy car insurance policies
. Below are some cheapest car insurance quotes Jerry found for our Lorain customers. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $62 | Mae, 43 Zip: 44052 | KIA Sportage EX | • State Minimum Liability • Comp / Collision |
| Travelers | $112 | Cameron, 44 Zip: 44055 | Dodge Durango Citadel | • 50,000/100,000 Liability • Comp / Collision |
| Allstate | $131 | Alex, 63 Zip: 44053 | Buick Encore Sport Touring | • 50,000/100,000 Liability • Comp / Collision |
| Nationwide | $65 | Jon, 63 Zip: 44053 | Chevrolet Sonic LT | • 50,000/100,000 Liability • Comp / Collision |
| The General | $183 | Brent, 24 Zip: 44053 | KIA Optima LX | • State Minimum Liability • Comp / Collision |
Last Updated Nov 23, 2024Best Car Insurance Companies in Lorain
There is no single best car insurance company for everyone. The most important reason is that every customer gets different
car insurance quotes
based on their profile—so the most affordable company is different for everyone. Besides price, you also need to consider factors such as claims handling and customer service.
To help drivers better compare the cheapest car insurance companies, Jerry conducted the largest insurance survey in the nation—and what we found surprised us.
The results: While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Farmers | 4.7 | 4.7 | N/A | 4.7 |
| Allstate | 4.6 | 4 | 4.3 | 4 |
| State Farm | 4.4 | 3.7 | 4.8 | 4.6 |
| Progressive | 4.3 | 3.6 | 3.9 | 4.2 |
| Geico | 3.9 | 3.8 | 3.8 | 4.2 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Lorain
Ohio’s minimum car insurance requirements reflect how much insurance you need the carry to legally drive as well as the cheapest coverage option in Lorain. However, minimum liability coverage provides minimal financial protection.
You’ll need full coverage if you want to cover the cost of repairing or replacing your own vehicle–but that’s not as easy to get in the Buckeye State as it once was thanks to the current car insurance crisis. Take a listen to what Jerry’s experts have to say about the state of the insurance industry in Ohio, and how it could affect your policy choices in Lorain.
Cheap minimum liability insurance quotes in Lorain
In order to legally hit the road, Lorain drivers need to meet Ohio minimum coverage limits for bodily injury liability and property damage liability.
In Ohio, drivers are subject to minimum car insurance coverage requirements, which include the following liability insurance limits:
These liability coverages are commonly referred to as 25/50/25 coverage. With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving.
Mae (43 years old)
$62
per month
Floyd (33 years old)
$192
per month
Gainsco
Dennis (34 years old)
$78
per month
Do you need more than minimum coverage in Lorain?
Most drivers in Lorain need higher liability coverage than the 25/50/25 state minimum mandated by
Ohio car insurance laws
. In an at-fault accident, you could be responsible for medical bills and vehicle repairs far exceeding these minimum limits, especially if you cause serious injuries to another person. If another driver’s car is totaled, the cost to replace it could be more than $40,000—well above that minimum $25,000 property damage limit.
The bottom line: For better financial protection, consider 50/100/50 or 100/300/100 liability coverage—or purchase full coverage.
Cheap full coverage car insurance quotes in Lorain
Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your car. Full coverage includes comprehensive and collision coverage:
- Comprehensive coveragepays out if your car is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters.
If you have a loan on the car, your lender will require collision and comprehensive coverage.
On top of a full-coverage policy, you can purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. Jerry has found affordable full coverage quotes for customers in Lorain.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $62 | Mae, 43 Zip: 44052 | KIA Sportage EX |
• 50,000/100,000 Liability • Comp / Collision | Travelers | $112 | Cameron, 44 Zip: 44055 | Dodge Durango Citadel |
• 50,000/100,000 Liability • Comp / Collision | Nationwide | $65 | Jon, 63 Zip: 44053 | Chevrolet Sonic LT |
• 50,000/100,000 Liability • Comp / Collision | Allstate | $131 | Alex, 63 Zip: 44053 | Buick Encore Sport Touring |
• State Minimum Liability • Comp / Collision | Electric | $98 | Wesley, 34 Zip: 44053 | Honda Odyssey EXL |
Last Updated Nov 23, 2024The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Lorain
By helping lots of drivers in Lorain find car insurance, we found that the average cost for minimum liability coverage is $64 per month or $771 per year. The average cost for full coverage insurance in Lorain is $132 per month or $1,586 per year.
While average insurance rates can help you predict your own insurance costs, it's important to note that each driver's insurance premium is calculated based on many factors—the type of car, driving record, claims history, demographics, and more.
Car insurance quotes in Lorain by rating factors
- Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets.
- Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.
- The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
- How you use your car: Insurance companies often charge more if you drive your car to and from work than use it for leisure.
How do different factors impact your car insurance costs in Lorain?
How do different factors impact your car insurance costs in Lorain?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Ohio currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Lorain:
Cheap car insurance quotes in Lorain after driving violations
Your
Ohio driving history
impacts your auto insurance quotes. If insurance companies notice a history of violations, they’ll see you as a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Lorain after speeding ticket
If you get a speeding ticket in Lorain, your insurance rates could go up. But with Jerry, you may be able to save on your premiums even after a speeding ticket.
Take a look at rates that drivers with a speeding violation received using the Jerry app:
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Progressive | $88 | Jeremiah, 51 Zip: 44055 | Toyota Corolla L | • State Minimum Liability • Comp / Collision |
Speeding 11-15 | Clearcover | $102 | Walter, 36 Zip: 44052 | Ford Escape SE | • 50,000/100,000 Liability • Comp / Collision |
Speeding 16-20 | Travelers | $142 | Hester, 34 Zip: 44052 | Jeep Commander | • 50,000/100,000 Liability • Comp / Collision |
Speeding 21+ | Dairyland | $263 | Etta, 23 Zip: 44053 | KIA Forte FE | • State Minimum Liability • Comp / Collision |
Last Updated Nov 22, 2024Cheapest car insurance in Lorain after DUI
A
DUI violation
is a serious offense. In addition to the legal penalties you’ll face, you can also expect a significant increase in your Ohio car insurance. It can be hard to find cheap car insurance in Ohio if you have a DUI on your record. But some companies do offer savings for high-risk drivers—compare quotes from a number of insurers to find the most affordable policy options.
The table below shows premiums that drivers with a DUI recently received with Jerry:
Andre (37 years old)
$77
per month
Rosie (35 years old)
$61
per month
Cheapest car insurance in Lorain after an at-fault accident
One of the most important factors affecting car insurance rates is your car accident or claim history.
Ohio is an at-fault state. If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Lorain drivers save on car insurance after accidents.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Commonwealth Insurance | $200 | Bobby, 44 Zip: 44055 | Dodge Challenger SXT | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Progressive | $155 | Jesse, 43 Zip: 44053 | Honda Accord EXL | • State Minimum Liability • Comp / Collision |
Not At Fault | Nationwide | $124 | Susie, 29 Zip: 44052 | Volkswagen Jetta Wolfsburg | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Travelers | $100 | Lucinda, 62 Zip: 44053 | Buick Encore Sport Touring | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 22, 2024Cheapest car insurance in Lorain after other driving violations
In addition to speeding tickets and DUIs, other violations such as
reckless driving
and driving on a suspended license can also cause your in car insurance costs to increase in Lorain.We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Defective Equipment | Progressive | $94 | Ray, 31 Zip: 44053 | Ford Focus S | • State Minimum Liability • Comp / Collision |
Failure to Yield | Clearcover | $102 | Antonio, 36 Zip: 44052 | Ford Escape SE | • 50,000/100,000 Liability • Comp / Collision |
Driving on Sus. License | Commonwealth Insurance | $200 | Frances, 44 Zip: 44055 | Dodge Challenger SXT | • State Minimum Liability • Comp / Collision |
Failure to Yield | National General | $163 | Bruce, 36 Zip: 44052 | Ford Escape SE | • State Minimum Liability • Comp / Collision |
Seat Belt | Progressive | $181 | Matilda, 27 Zip: 44052 | Chevrolet Equinox LT | • State Minimum Liability • Comp / Collision |
Improper Passing | Dairyland | $244 | David, 44 Zip: 44055 | Dodge Challenger SXT | • State Minimum Liability • Comp / Collision |
Last Updated Nov 22, 2024Cheap car insurance quotes in Lorain by age
Young drivers pay very high insurance rates due to limited driving experience. Rates tend to drop around the age of 25 and increase again mid-70s.
Cheapest car insurance in Lorain for young drivers
The best way to keep car insurance costs low for teen drivers is to keep them on their parent’s policy. But don’t skip on coverage—because teens are statistically more likely to get into an accident, it’s a good idea to increase their liability limits, and full coverage is a must-have if they drive a newer car.
Jerry can help young drivers in Ohio find lower than average rates for a variety of coverage levels, as shown in the samples below:
Eva (24 years old)
$205
per month
Gainsco
Connor (24 years old)
CoverageState Minimum
Lorain, OH (Zip Code: 44055)
GMC Envoy$99
per month
Cheapest car insurance in Lorain for senior drivers
Car insurance rates tend to be lowest for drivers throughout middle age, but they often go up again once drivers hit their mid-70s.
Car insurance costs for seniors
tend to be higher because drivers in this age group may be more likely to get into accidents, and they’re at an increased risk of serious injuries if they do get into a collision.But that doesn't mean senior drivers still can't save on car insurance. Using Jerry, elder motorists can find their ideal coverage for a cheaper price:
Cheap car insurance quotes in Lorain based on insurance history
An important factor in your car insurance rates is your insurance history—i.e., whether you are currently insured or not.
Any lapse in your insurance coverage
usually leads to an increase in car insurance rates.To help our customers make insurance payments on time and to avoid a lapse in coverage, Jerry sends payment reminders to eligible customers when a payment is coming up or if they’re late on their payments.
We have helped many customers who are currently not insured or have had a lapse in coverage find savings on a new auto insurance policy.
Todd (51 years old)
Currently Insured
CoverageState Minimum
Lorain, OH (Zip Code: 44052)
GMC Acadia SLE$153
per month
Edwin (62 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Lorain, OH (Zip Code: 44053)
$65
per month
Phoebe (24 years old)
$141
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I've looked at 20 or different auto insurances and they had the best prices for what I needed!
Cassidy
They were affordable and great very personable and reasonable.
Audrey
Gave me exactly what I needed at a price that made sense. I am so far pleased with my provider.
Melissa
Always a pleasant experience.
Kelly
Cheap car insurance quotes in Lorain for drivers with poor credit
Drivers with poor credit scores
are statistically more likely to file claims, which can result in higher rates from insurance providers.If you’re struggling with bad credit: By taking what steps you can to build good credit over time, you could find even more savings on car insurance in the future.
Our data shows that the average car insurance rate for the highest credit bracket (over 750) is almost 20% higher than the average cost for people with lower credit scores (under 550).
Luckily, drivers with poor credit can lower their rates using Jerry:
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $100 | Blake, 33 Zip: 44055 | Toyota RAV4 LE | • State Minimum Liability • Comp / Collision |
660 - 750 | Clearcover | $117 | Timothy, 33 Zip: 44053 | Honda Odyssey EXL | • State Minimum Liability |
660 - 750 | Bristol West | $141 | Nathaniel, 24 Zip: 44055 | Toyota Sequoia Limited | • State Minimum Liability |
550 - 659 | Gainsco | $99 | Winnie, 25 Zip: 44055 | Hyundai Sonata SE | • State Minimum Liability |
< 550 | Clearcover | $140 | Donald, 38 Zip: 44052 | Honda Civic LX | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 20, 2024Cheap car insurance quotes in Lorain for popular cars
The type of car you drive is a major rating factor in car insurance premiums. Costs associated with the type of car include the cost of repairs or replacements, likelihood of theft, and the overall safety record of the vehicle.
Popular car models in Lorain include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Ford Ford_f-150 | AAA | $51 | Kenneth, 30 Zip: 44053 | • 100,000/300,000 Liability |
| Chevrolet Chevrolet_equinox | Progressive | $61 | Bertha, 36 Zip: 44055 | • 100,000/300,000 Liability |
Last Updated Nov 19, 2024How to lower car insurance costs in Lorain
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. Keeping a clean driving record and/or going a certain number of years without an at-fault accident could help you qualify for a discount from your provider.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
How much is car insurance in Lorain?
People living in Lorain pay on average $64 per month – or $771 per year – on state-minimum liability coverage. Full coverage in Lorain costs on average $132 per month or $1,586 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the best car insurance in Lorain?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Nationwide
, Safeco
, and Safe Auto receive good ratings from Lorain drivers, based on the largest car insurance survey in the nation conducted by Jerry.Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
What is the cheapest car insurance in Lorain?
Based on thousands of Lorain drivers Jerry has worked with, car insurance in Lorain costs an average of $49 per month for state-minimum coverage and $108 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the minimum car insurance in Lorain, Ohio?
The state-minimum car insurance in Lorain, Ohio is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 25/50/25 coverage.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.