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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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • The cheapest car insurance company in Elyria for teen drivers is USAA
  • The cheapest car insurance company in Elyria after a DUI is American Family
  • Average car insurance rates in Elyria, OH for senior drivers are $1,385/year

Average car insurance rates in Elyria, Ohio are $225 a month. But with a little research you can get a great deal from the top car insurance companies in Elyria, OH. Before you buy Elyria, Ohio car insurance, make sure your coverage meets or exceeds the Ohio minimum of 25/50/25.

It may even be helpful to compare Elyria car insurance rates with Toledo car insurance rates, Dayton car insurance rates, or Parma car insurance rates to make sure you’re getting the best Elyria, OH car insurance quotes available.

Need affordable Elyria, OH car insurance? Enter your ZIP code to compare Elyria car insurance quotes from multiple car insurance companies near you.

Elyria, OH Minimum Car Insurance Coverage

Elyria, Ohio law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Elyria, 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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Elyria, OH Car Insurance Rates by Coverage Level

Some Elyria drivers can get by with the Ohio minimum coverage of 25/50/25. Other drivers may need more. See how much your Elyria, Ohio car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Elyria, Ohio

Insurance Company Low Medium High
Allstate $2,740 $2,846 $2,971
American Family $1,487 $1,530 $1,538
Farmers $3,254 $3,400 $3,732
GEICO $1,530 $1,581 $1,656
Liberty Mutual $3,917 $4,119 $4,247
Nationwide $3,499 $3,091 $2,971
Progressive $3,262 $3,396 $3,634
State Farm $2,291 $2,432 $2,547
Travelers $2,935 $3,071 $3,080
USAA $1,402 $1,469 $1,541

Elyria, OH Car Insurance Rates by Age, Gender, and Marital Status

Elyria, Ohio car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Elyria, OH car insurance, get quotes from multiple car insurance companies in the Elyria area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Elyria, 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 $1,902 $1,890 $1,729 $1,847 $5,313 $6,064 $1,976 $2,096
American Family $919 $952 $849 $851 $2,992 $3,240 $1,142 $1,202
Farmers $1,783 $1,785 $1,567 $1,658 $8,234 $8,594 $1,997 $2,076
GEICO $1,148 $1,115 $1,094 $1,113 $3,064 $2,840 $1,270 $1,065
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 $1,726 $1,610 $1,438 $1,486 $7,997 $9,004 $2,055 $2,129
State Farm $1,429 $1,429 $1,288 $1,288 $4,604 $5,779 $1,663 $1,908
Travelers $1,379 $1,398 $1,377 $1,368 $6,051 $9,587 $1,439 $1,629
USAA $890 $897 $848 $846 $2,751 $3,062 $1,189 $1,281

Elyria, OH Car Insurance Rates for Teens

How much is Elyria, Ohio car insurance for teens? Compare rates from top Elyria car insurance companies below to help find the cheapest teen car insurance in Elyria, OH.

Annual Car Insurance Rates for Teen Drivers in Elyria, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,313 $6,064
American Family $2,992 $3,240
Farmers $8,234 $8,594
GEICO $3,064 $2,840
Liberty Mutual $10,070 $11,368
Nationwide $5,500 $7,057
Progressive $7,997 $9,004
State Farm $4,604 $5,779
Travelers $6,051 $9,587
USAA $2,751 $3,062

Elyria, OH Car Insurance Rates for Seniors

Before seniors buy Elyria, Ohio car insurance, they should make sure to shop around. Some Elyria, OH car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Elyria, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,729 $1,847
American Family $849 $851
Farmers $1,567 $1,658
GEICO $1,094 $1,113
Liberty Mutual $1,447 $1,768
Nationwide $1,912 $1,921
Progressive $1,438 $1,486
State Farm $1,288 $1,288
Travelers $1,377 $1,368
USAA $848 $846

Elyria, OH Car Insurance Rates by Credit History

How does your credit history affect Elyria, OH car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Elyria, Ohio

Insurance Company Poor Fair Good
Allstate $3,654 $2,673 $2,228
American Family $2,022 $1,373 $1,161
Farmers $3,907 $3,319 $3,160
GEICO $1,901 $1,589 $1,276
Liberty Mutual $5,853 $3,604 $2,826
Nationwide $3,843 $3,099 $2,619
Progressive $3,828 $3,336 $3,128
State Farm $3,453 $2,134 $1,682
Travelers $3,383 $2,947 $2,755
USAA $1,907 $1,352 $1,153

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Elyria, OH Car Insurance Rates by Driver History

How does a single speeding ticket affect your Elyria, Ohio car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Elyria.

Annual Elyria, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,387 $2,902 $3,411 $2,708
American Family $1,454 $1,540 $1,540 $1,540
Farmers $2,857 $3,683 $3,592 $3,716
GEICO $1,077 $1,554 $2,272 $1,453
Liberty Mutual $3,433 $4,426 $4,508 $4,011
Nationwide $2,564 $3,248 $4,106 $2,830
Progressive $2,954 $4,036 $3,150 $3,582
State Farm $2,199 $2,647 $2,423 $2,423
Travelers $2,226 $2,906 $4,392 $2,590
USAA $1,128 $1,513 $1,992 $1,249

Elyria, OH Car Insurance Rates With a DUI

Even a single DUI can increase your Elyria, OH car insurance rates. Compare rates below to see which Elyria car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Elyria, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,411
American Family $1,540
Farmers $3,592
GEICO $2,272
Liberty Mutual $4,508
Nationwide $4,106
Progressive $3,150
State Farm $2,423
Travelers $4,392
USAA $1,992

Elyria, OH Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Elyria, OH car insurance rates may be. Let’s take a look at average car insurance rates from top Elyria companies based on commute time.

Annual Car Insurance Rates by Commute Length in Elyria, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,852 $2,852
American Family $1,500 $1,537
Farmers $3,462 $3,462
GEICO $1,562 $1,615
Liberty Mutual $4,094 $4,094
Nationwide $3,187 $3,187
Progressive $3,431 $3,431
State Farm $2,362 $2,485
Travelers $3,029 $3,029
USAA $1,414 $1,527

Elyria, OH Cheapest Car Insurance Rates

How do the top Elyria, Ohio car insurance companies’ average rates stack up against the Elyria average monthly car insurance rates of $225? Take a look and see.

Best Annual Car Insurance Rates by Company in Elyria, Ohio

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI American Family
With 1 Speeding Violation USAA

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Elyria, OH Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Elyria, Ohio car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Elyria, Ohio

Insurance Company Average Annual Rates
Allstate $2,852
American Family $1,518
Farmers $3,462
GEICO $1,589
Liberty Mutual $4,094
Nationwide $3,187
Progressive $3,431
State Farm $2,423
Travelers $3,029
USAA $1,470

Other Factors Affecting Elyria, OH Car Insurance Rates

Before you buy Elyria, Ohio car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Elyria, OH Commute Time

How does your Elyria, OH commute time compare with the average driver? In Elyria, the average commute is 23.6 minutes.

Elyria, OH Traffic

Spending time in Elyria traffic can lead to higher car insurance rates. According to INRIX data, Elyria, OH ranks as the 875th-most congested with traffic in the world.

Elyria, OH Car Insurance Quotes

Compare Elyria, OH car insurance quotes from multiple companies by entering your ZIP code now.