Services
Insurance
Loans
Repairs
Advice
About

Cheapest car insurance in Massillon, Ohio (Apr 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Massillon, Ohio.
compare
Find Insurance Savings
√
No long forms
√
No spam or unwanted calls
√
Quotes from top insurance companies
compare
avatar
Jasmine Kanter
Expert Insurance Writer
icon
Reviewed by Josh Damico, Vice President Insurance Operations
icon
Edited by Maria Cruz, Expert Insurance Writer & Editor

How to find the cheapest car insurance in Massillon

On average,
auto insurance
in Massillon costs about $84 per month for minimum coverage liability insurance, and about $93 per month for full coverage insurance. In Massillon drivers pay 33% less than the national average.  
Smart car insurance shoppers in Massillon, 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 Massillon customers. 
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$273
Susan, 25
Zip: 44646
Jeep Wrangler Sport
• State Minimum Liability
• Comp / Collision
Allstate
$157
Jordan, 23
Zip: 44646
Hyundai Elantra SEL
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$94
Manuel, 51
Zip: 44647
GMC Sierra K1500 SLT
• 100,000/300,000 Liability
• Comp / Collision
Kemper
$73
Max, 51
Zip: 44646
Hyundai Elantra SE
• State Minimum Liability
Safe Auto
$63
Stephen, 32
Zip: 44646
Dodge Charger SXT
• State Minimum Liability
coverageLast Updated Apr 22, 2024

Best car insurance companies in Massillon

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 companyOverall ratingPriceClaims experienceCustomer 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
Highlighticon

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 Massillon

Ohio has a minimum liability insurance requirement, which is the minimal amount of car insurance you need to have in Massillon and gives you the cheapest rate. But minimum liability often isn’t enough coverage—you should consider getting full coverage if you want to cover the repair or replacement costs for your own car.   

Cheap minimum liability insurance quotes in Massillon

In order to legally hit the road, Massillon 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. 
card cover
Carolyn (23 years old)
coverageCoverage
State Minimum
locationMassillon, OH
(Zip Code: 44647)
carChevrolet Cobalt LT
$81
per month
card cover
Gary (22 years old)
coverageCoverage
State Minimum
locationMassillon, OH
(Zip Code: 44646)
carChevrolet Cobalt LT
$136
per month
card cover
Norman (37 years old)
coverageCoverage
State Minimum
locationMassillon, OH
(Zip Code: 44646)
carGMC Canyon
$66
per month
card cover
Maurice (25 years old)
coverageCoverage
State Minimum
locationMassillon, OH
(Zip Code: 44646)
$112
per month
card cover
Clearcover
Lelia (39 years old)
coverageCoverage
State Minimum
locationMassillon, OH
(Zip Code: 44647)
$99
per month

Do you need more than minimum coverage in Massillon?

Most drivers in Massillon 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 as well as full coverage.  

Cheap full coverage car insurance quotes in Massillon

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:
  •  
    Collision coverage
    covers the cost of fixing or replacing your car after an accident.
  • Comprehensive coverage
    pays 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. 
Lower my car insurance too!

Average cost of car insurance in Massillon

By helping lots of drivers in Massillon find car insurance, we found that the average cost for minimum liability coverage is $84 per month or $1,008 per year. The average cost for full coverage insurance in Massillon is $93 per month or $1,116 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. 
Based on our experience working with drivers in Massillon, we've observed that insurance premiums for minimum liability coverage start at around $84 per month, while full coverage policies start at about $93 per month. Based on each driver’s situation, the costs can go up to several hundred dollars per month. 

Average cost of car insurance in Massillon by zip code

Drivers who park their vehicles in one part of Columbus could pay different rates than drivers who park in another area of the city. 
That’s because insurance companies may label certain areas as “high-risk” due to more frequent vehicle thefts or a higher number of insurance claims.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
44646
$43
$108
44647
$46
$94

Car insurance quotes in Massillon by rating factors 

Insurance companies in Massillon use many rating factors when
deciding your auto insurance premium
:  
  • 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 Massillon?

icon
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
icon
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 Massillon:

Cheap car insurance quotes in Massillon 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 Massillon after speeding ticket

If you get a speeding ticket in Massillon, 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 TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 16-20
Progressive
$184
Charlie, 27
Zip: 44646
Honda Accord EX
• 50,000/100,000 Liability
• Comp / Collision
Speeding 21+
Progressive
$184
Ollie, 27
Zip: 44646
Honda Accord EX
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Apr 16, 2024

Cheapest car insurance in Massillon 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:
card cover
Marguerite (37 years old)
coverageCoverage
State Minimum
locationMassillon, OH
(Zip Code: 44646)
carGMC Canyon
$65
per month
card cover
Justin (45 years old)
coverageCoverage
State Minimum
locationMassillon, OH
(Zip Code: 44646)
carChrysler Sebring JXI
$78
per month

Cheapest car insurance in Massillon 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 Massillon drivers save on car insurance after accidents. 
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$273
Olivia, 25
Zip: 44646
Jeep Wrangler Sport
• State Minimum Liability
• Comp / Collision
Not At Fault
Allstate
$157
Phillip, 23
Zip: 44646
Hyundai Elantra SEL
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Nationwide
$66
Edna, 37
Zip: 44646
GMC Canyon
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 18, 2024

Cheapest car insurance in Massillon 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 Massillon.
We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance. 
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Obey Signal
Progressive
$99
Betty, 49
Zip: 44646
Jeep Patriot Latitude
• 100,000/300,000 Liability
• Comp / Collision
Driving on Sus. License
Trexis
$81
Jessie, 36
Zip: 44646
Ford Focus SE
• State Minimum Liability
Failure to Obey Signal
Travelers
$95
Flora, 49
Zip: 44646
Jeep Patriot Latitude
• 100,000/300,000 Liability
• Comp / Collision
Improper Passing
Progressive
$184
Johnny, 27
Zip: 44646
Honda Accord EX
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Apr 22, 2024

Cheap car insurance quotes in Massillon 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 Massillon for young drivers

On average,
teen drivers
between the ages of 16 and 19 pay the highest insurance rates in Ohio. 
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:
card cover
Carolyn (23 years old)
coverageCoverage
State Minimum
locationMassillon, OH
(Zip Code: 44647)
carChevrolet Cobalt LT
$81
per month
card cover
Jordan (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationMassillon, OH
(Zip Code: 44646)
$157
per month
card cover
Gary (22 years old)
coverageCoverage
State Minimum
locationMassillon, OH
(Zip Code: 44646)
carChevrolet Cobalt LT
$136
per month

Cheapest car insurance in Massillon 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:
card cover
Joel (71 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationMassillon, OH
(Zip Code: 44646)
$71
per month
card cover
Olive (67 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationMassillon, OH
(Zip Code: 44647)
$80
per month

Cheap car insurance quotes in Massillon 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.
card cover
Iva (25 years old)
Currently Insured
coverageCoverage
State Minimum
locationMassillon, OH
(Zip Code: 44646)
$273
per month
card cover
Ada (27 years old)
Currently Insured
coverageCoverage
State Minimum
locationMassillon, OH
(Zip Code: 44646)
$80
per month
card cover
Minerva (37 years old)
Currently Insured
coverageCoverage
State Minimum
locationMassillon, OH
(Zip Code: 44646)
carGMC Canyon
$66
per month
card cover
Bess (23 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationMassillon, OH
(Zip Code: 44646)
$157
per month
card cover
Gainsco
Winnie (35 years old)
Currently Insured
coverageCoverage
State Minimum
locationMassillon, OH
(Zip Code: 44646)
$141
per month

Cheap car insurance quotes in Massillon 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 RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$69
Noah, 63
Zip: 44646
KIA Sportage LX
• State Minimum Liability
• Comp / Collision
660 - 750
Progressive
$184
Adeline, 27
Zip: 44646
Honda Accord EX
• 50,000/100,000 Liability
• Comp / Collision
660 - 750
Commonwealth Insurance
$237
Harry, 22
Zip: 44646
Dodge Dart SE
• State Minimum Liability
• Comp / Collision
550 - 659
State Auto
$74
Ricardo, 54
Zip: 44646
Nissan Xterra XE
• State Minimum Liability
• Comp / Collision
< 550
Clearcover
$180
Lillie, 35
Zip: 44646
Dodge Dart SXT
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 16, 2024

How to lower car insurance costs in Massillon

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.

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

What insurance companies sell the cheapest policies in Ohio?

According to our research, some of the cheapest minimum coverage policies in Ohio can be found with Travelers ($39/month), State Auto ($42/month), Safeco ($43/month), and Nationwide ($45/month).
Keep in mind that these are just averages! Average car insurance rates can fluctuate across motorists because every driver is different, meaning their rates will be too. 

Who is known for the cheapest car insurance?

The company that’s known for the cheapest car insurance changes from driver to driver. Because every provider caters to a different demographic (and every driver is unique), the cheapest option for one driver could be incredibly expensive for another.

What’s the average cost of auto insurance in Ohio?

The average cost of auto insurance in Ohio is $49 per month or $590 per year for minimum coverage. Full coverage can increase to $106 per month or $1,272 per year.

Did car insurance go up in Ohio?

It’s not your imagination—car insurance has indeed gone up in Ohio. Rates jumped by more than 10% in 2022, which the Ohio Insurance Institute blames on a perfect storm of inflated prices, increased vehicle thefts, and rising numbers of car accidents.

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

avatar
Jasmine Kanter
Jasmine Kanter is an insurance writer specializing in subjects relating to home ownership, car insurance requirements, and driving tips. Jasmine combines her background in communication and languages with a passion for writing to create straightforward, yet comprehensive content that’s accessible to car enthusiasts, beginners, and everyone in between. Since joining the Jerry team, Jasmine has penned nearly 300 articles covering subjects from how to save money on homeownership costs to roadside assistance service reviews.
Prior to joining Jerry, Jasmine worked as a storyboard analyst for Depanneur Films and a training assistant for Assistance Services Group.
avatar
Maria Cruz
badge icon
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
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.