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 annual number of car thefts in Lancaster is 56.
  • The cheapest car insurance company in Lancaster for teen drivers is American Family
  • Average car insurance rates in Lancaster, OH are $236/month

Average car insurance rates in Lancaster, Ohio are $236 a month. But with a little research you can get a great deal from the top car insurance companies in Lancaster, OH. Before you buy Lancaster, Ohio car insurance, make sure your coverage meets or exceeds the Ohio minimum of 25/50/25.

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

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

Lancaster, OH Minimum Car Insurance Coverage

Lancaster, 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 Lancaster, 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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Lancaster, OH Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lancaster, Ohio

Insurance Company Low Medium High
Allstate $3,027 $3,114 $3,218
American Family $1,524 $1,561 $1,563
Farmers $3,275 $3,405 $3,698
GEICO $1,793 $1,843 $1,917
Liberty Mutual $4,236 $4,414 $4,530
Nationwide $3,678 $3,222 $3,073
Progressive $3,329 $3,434 $3,626
State Farm $2,621 $2,767 $2,886
Travelers $2,764 $2,868 $2,863
USAA $1,525 $1,589 $1,657

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lancaster, 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 $2,079 $2,070 $1,874 $2,003 $5,783 $6,626 $2,185 $2,334
American Family $967 $1,005 $882 $887 $2,971 $3,231 $1,195 $1,260
Farmers $1,827 $1,823 $1,610 $1,699 $8,110 $8,420 $2,048 $2,137
GEICO $1,334 $1,296 $1,251 $1,264 $3,589 $3,339 $1,483 $1,255
Liberty Mutual $2,059 $2,248 $1,585 $1,926 $10,674 $12,059 $2,195 $2,400
Nationwide $2,215 $2,226 $1,999 $2,013 $5,680 $7,325 $2,374 $2,764
Progressive $1,770 $1,661 $1,476 $1,523 $7,985 $8,984 $2,117 $2,189
State Farm $1,643 $1,643 $1,474 $1,474 $5,197 $6,524 $1,912 $2,195
Travelers $1,326 $1,347 $1,311 $1,305 $5,595 $8,804 $1,379 $1,585
USAA $963 $971 $913 $914 $2,966 $3,308 $1,291 $1,397

Lancaster, OH Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Lancaster, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,783 $6,626
American Family $2,971 $3,231
Farmers $8,110 $8,420
GEICO $3,589 $3,339
Liberty Mutual $10,674 $12,059
Nationwide $5,680 $7,325
Progressive $7,985 $8,984
State Farm $5,197 $6,524
Travelers $5,595 $8,804
USAA $2,966 $3,308

Lancaster, OH Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Lancaster, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,874 $2,003
American Family $882 $887
Farmers $1,610 $1,699
GEICO $1,251 $1,264
Liberty Mutual $1,585 $1,926
Nationwide $1,999 $2,013
Progressive $1,476 $1,523
State Farm $1,474 $1,474
Travelers $1,311 $1,305
USAA $913 $914

Lancaster, OH Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Lancaster, Ohio

Insurance Company Poor Fair Good
Allstate $4,004 $2,917 $2,437
American Family $2,057 $1,403 $1,189
Farmers $3,918 $3,309 $3,151
GEICO $2,220 $1,851 $1,483
Liberty Mutual $6,299 $3,857 $3,024
Nationwide $4,013 $3,232 $2,728
Progressive $3,880 $3,363 $3,146
State Farm $3,931 $2,429 $1,914
Travelers $3,168 $2,755 $2,572
USAA $2,069 $1,460 $1,242

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Lancaster, OH Car Insurance Rates by Driver History

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

Annual Lancaster, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,622 $3,167 $3,722 $2,967
American Family $1,484 $1,571 $1,571 $1,571
Farmers $2,852 $3,674 $3,583 $3,728
GEICO $1,256 $1,814 $2,629 $1,707
Liberty Mutual $3,695 $4,732 $4,840 $4,306
Nationwide $2,663 $3,389 $4,300 $2,945
Progressive $2,984 $4,067 $3,179 $3,622
State Farm $2,509 $3,007 $2,758 $2,758
Travelers $2,091 $2,718 $4,089 $2,428
USAA $1,222 $1,637 $2,149 $1,354

Lancaster, OH Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Lancaster, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,722
American Family $1,571
Farmers $3,583
GEICO $2,629
Liberty Mutual $4,840
Nationwide $4,300
Progressive $3,179
State Farm $2,758
Travelers $4,089
USAA $2,149

Lancaster, OH Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Lancaster, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,119 $3,119
American Family $1,531 $1,568
Farmers $3,459 $3,459
GEICO $1,819 $1,883
Liberty Mutual $4,393 $4,393
Nationwide $3,324 $3,324
Progressive $3,463 $3,463
State Farm $2,689 $2,826
Travelers $2,831 $2,831
USAA $1,530 $1,651

Lancaster, OH Cheapest Car Insurance Rates

How do the top Lancaster, Ohio car insurance companies’ average rates stack up against the Lancaster average monthly car insurance rates of $236? Take a look and see.

Best Annual Car Insurance Rates by Company in Lancaster, 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

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Lancaster, OH Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Lancaster, Ohio

Insurance Company Average Annual Rates
Allstate $3,119
American Family $1,550
Farmers $3,459
GEICO $1,851
Liberty Mutual $4,393
Nationwide $3,324
Progressive $3,463
State Farm $2,758
Travelers $2,831
USAA $1,590

Other Factors Affecting Lancaster, OH Car Insurance Rates

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

Lancaster, OH Car Theft Rates

The car theft rate in Lancaster, OH will affect your car insurance rates. FBI data shows that the annual car theft rate for Lancaster, Ohio is 56 stolen cars.

Lancaster, OH Commute Time

How does your Lancaster, OH commute time compare with the average driver? In Lancaster, the average commute is 26.9 minutes.

Lancaster, OH Traffic

Spending time in Lancaster traffic can lead to higher car insurance rates. According to INRIX data, Lancaster, OH ranks as the 297th-most congested with traffic in the world.

Lancaster, OH Car Insurance Quotes

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