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Cheapest car insurance in Minerva, Ohio (Sep 2024)
Cheapest car insurance in Minerva, Ohio (Sep 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Minerva, Ohio.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Kianna Walpole
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
What's on this page?
- Best car insurance companies in Minerva
- How to find the cheapest car insurance in Minerva
- Best cheap car insurance quotes in Minerva
- Average cost of car insurance in Minerva
- Car insurance quotes in Minerva by rating factors
- How do different factors impact your car insurance costs in Minerva?
- Cheap car insurance quotes in Minerva after driving violations
- Cheap car insurance quotes in Minerva by age
- Cheap car insurance quotes in Minerva based on insurance history
- Cheap car insurance quotes in Minerva for popular cars
- How to lower car insurance costs in Minerva
- FAQ
- Methodology
- Meet our experts
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Best car insurance companies in Minerva
There is no single best car insurance company for everyone. Every customer gets different
car insurance quotes
based on their profile—so the most affordable company is different for each person. That’s why it’s so important to compare quotes from various providers. To help you determine the best provider for your specific needs, Jerry experts conducted one of the largest consumer surveys in the nation to see what real policyholders thought of their current insurer.
Surprisingly, many larger-named providers, such as Allstate and State Farm in Minerva, OH achieved lower than average overall ratings, while some smaller insurers, including National General and Travelers, received higher than expected scores.
Take a look at the table below to see just how each company stacks up against one another, and their average costs for most drivers in Minerva.
Insurance company | Overall rating | Average annual full coverage cost | Average annual minimum coverage cost |
|---|---|---|---|
Clearcover | 3.1 | $666 | $367 |
4.6 | $702 | $222 | |
4.2 | $780 | $127 | |
4.1 | $857 | $472 | |
3.9 | $1,030 | $320 |
Clearcover
Clearcover
- Overall rating in Minerva: 3.1
- AM Best financial strength: A- (Excellent)
Although Clearcover has some of the lowest rates for car insurance, they’re also known for their quick and seamless claims processing and top-notch customer service. Despite being a mainly app-based insurance provider, Clearcover offers 24/7 call-in assistance for more senior drivers.
Real 5-star customer review: “By far the best rate my husband and I have found for car insurance after I totaled our first car. They are very friendly and go above and beyond to help get the coverage you need! Will definitely recommend them to anyone looking for the lowest rate possible!” (Abigail R., OH)
Travelers
Travelers
- Overall Jerry rating in Minerva: 4.6
- AM Best financial strength: A++ (Superior)
- NAIC complaint index (January 2023): Lower than average
Travelers offers some of the most affordable rates and may be best suited for families or drivers with multiple policies. Along with several coverage options, Travelers also provides bundling services, umbrella insurance, homeowners insurance, and even boat and yacht coverage.
Real 5-star customer review: “Really reasonable and forgiving.” (Nicole P., OH)
Read More
Progressive
Progressive
- Overall Jerry rating in Minerva: 4.2
- AM Best financial strength: A+ (Superior)
- NAIC complaint index (June 2023): More than expected
Progressive is one of the country’s largest car insurance providers. Policyholders with Progressive can take advantage of 24/7 customer service support and a lengthy list of coverage options and discounts, including Small Accident Forgiveness.
Real 5-star customer review: “I love progressive, they're affordable and have great customer service! When I totaled my car, they were so helpful and got me up and running quickly! Definitely recommend them!!!” (Jenn R., OH)
Read More
Allstate
Allstate
- Overall Jerry rating in Minerva: 4.1
- AM Best financial strength: A+ (Superior)
- NAIC complaint index (June 2023): Much more than expected
Allstate is one of the more popular options for car insurance in Minerva. With a slew of discounts and a wide range of coverage options and coverage limits, Allstate customers benefit from robust service and high financial stability rankings.
Real 5-star customer review: “They offer very affordable rates and their costomer service is second to none.” (Timothy W., OH)
Read More
State Farm
State Farm
- Overall Jerry rating in Minerva: 3.9
- AM Best financial strength: A++ (Superior)
- NAIC complaint index (September 2023): Slightly more than expected
State Farm is one of the top insurance choices for most drivers. With a wide network of local insurance agents, digital policy management, and several discounts for an array of driver profiles, car insurance is made easy—and affordable—with State Farm in Minerva, OH.
Real 5-star customer review: “They where great at meeting my needs, and had great customer service experience.” (Shanelle O., OH)
Read More
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.
How to find the cheapest car insurance in Minerva
On average,
auto insurance
in Minerva costs about $84 per month for minimum coverage liability insurance, and about $152 per month for full coverage insurance. In Minerva drivers pay 3% less than the national average. Smart car insurance shoppers in Minerva, 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 Minerva customers. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $95 | Kate, 52 Zip: 44657 | Ford Focus S | • State Minimum Liability • Comp / Collision |
| Allstate | $134 | Frank, 24 Zip: 44657 | KIA K5 LXS | • 100,000/300,000 Liability • Comp / Collision |
| AAA | $244 | Joe, 38 Zip: 44657 | Chevrolet Equinox LT | • State Minimum Liability • Comp / Collision |
Last Updated Sep 16, 2024Best cheap car insurance quotes in Minerva
Ohio has a minimum liability insurance requirement, which is the minimal amount of car insurance you need to have in Minerva 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 Minerva
In order to legally hit the road, Minerva 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.
Kate (52 years old)
$95
per month
Elsie (25 years old)
$63
per month
Electric
Lilly (53 years old)
CoverageState Minimum
Minerva, OH (Zip Code: 44657)
GMC Sierra K1500 SLE$84
per month
Do you need more than minimum coverage in Minerva?
Most drivers in Minerva 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 Minerva
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. 
"Easy, fast, and I saved! It was my first time using Jerry, and I feel like it literally took me 5 minutes. I was insured with a full coverage policy that I was happy with!"
Chelsea F.
Average cost of car insurance in Minerva
By helping lots of drivers in Minerva 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 Minerva is $152 per month or $1,823 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 Minerva, we've observed that insurance premiums for minimum liability coverage start at around $84 per month, while full coverage policies start at about $152 per month. Based on each driver’s situation, the costs can go up to several hundred dollars per month.
Car insurance quotes in Minerva 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 Minerva?
How do different factors impact your car insurance costs in Minerva?
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 Minerva:
Cheap car insurance quotes in Minerva 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 Minerva after speeding ticket
If you get a speeding ticket in Minerva, 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:
Last Updated Sep 16, 2024Cheapest car insurance in Minerva 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:
Eliza (31 years old)
$49
per month
Willie (35 years old)
$82
per month
Cheapest car insurance in Minerva 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 Minerva drivers save on car insurance after accidents.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $88 | Hulda, 27 Zip: 44657 | KIA Forte EX | • State Minimum Liability • Comp / Collision |
Not At Fault | AAA | $244 | Lena, 37 Zip: 44657 | Chevrolet Equinox LT | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Allstate | $84 | Eddie, 27 Zip: 44657 | KIA Forte EX | • State Minimum Liability • Comp / Collision |
Last Updated Sep 16, 2024Cheapest car insurance in Minerva 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 Minerva.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 |
|---|---|---|---|---|---|
Failure to Obey Signal | Progressive | $88 | Anthony, 27 Zip: 44657 | KIA Forte EX | • State Minimum Liability • Comp / Collision |
Failure to Obey Signal | Allstate | $84 | Nellie, 27 Zip: 44657 | KIA Forte EX | • State Minimum Liability • Comp / Collision |
Last Updated Sep 14, 2024Cheap car insurance quotes in Minerva 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 Minerva 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:
Linnie (19 years old)
$307
per month
Cheapest car insurance in Minerva 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:
Winnie (71 years old)
$61
per month
Bertha (66 years old)
$70
per month
Cheap car insurance quotes in Minerva 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.
Julian (51 years old)
$95
per month
Elizabeth (24 years old)
$63
per month
Gainsco
Ray (51 years old)
$76
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 Minerva 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 Minerva include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Ford Ford_f-150 | Safeco | $69 | Inez, 37 Zip: 44657 | • State Minimum Liability |
| Chevrolet Chevrolet_equinox | Progressive | $58 | Susan, 44 Zip: 44657 | • 50,000/100,000 Liability |
Last Updated Sep 19, 2024How to lower car insurance costs in Minerva
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 Minerva?
People living in Minerva pay on average $84 per month – or $1,008 per year – on state-minimum liability coverage. Full coverage in Minerva costs on average $152 per month or $1,823 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 Minerva?
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 Minerva 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 Minerva?
Based on thousands of Minerva drivers Jerry has worked with, car insurance in Minerva costs an average of $84 per month for state-minimum coverage and $152 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 Minerva, Ohio?
The state-minimum car insurance in Minerva, 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
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
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.