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 Oberlin after a DUI is American Family
  • The annual number of car thefts in Oberlin is 3.
  • Average car insurance rates in Oberlin, OH are $221/month

Average car insurance rates in Oberlin, Ohio are $221 a month. But with a little research you can get a great deal from the top car insurance companies in Oberlin, OH. Before you buy Oberlin, Ohio car insurance, make sure your coverage meets or exceeds the Ohio minimum of 25/50/25.

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

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

Oberlin, OH Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Oberlin, Ohio

Insurance Company Low Medium High
Allstate $2,843 $2,942 $3,059
American Family $1,424 $1,461 $1,465
Farmers $3,048 $3,176 $3,463
GEICO $1,530 $1,581 $1,656
Liberty Mutual $3,917 $4,119 $4,247
Nationwide $3,499 $3,091 $2,971
Progressive $3,080 $3,197 $3,409
State Farm $2,234 $2,371 $2,483
Travelers $2,887 $3,014 $3,020
USAA $1,402 $1,469 $1,541

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oberlin, 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 $1,958 $1,943 $1,774 $1,894 $5,509 $6,294 $2,042 $2,172
American Family $902 $936 $824 $828 $2,789 $3,029 $1,116 $1,175
Farmers $1,687 $1,684 $1,484 $1,569 $7,623 $7,929 $1,890 $1,968
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 $1,652 $1,550 $1,376 $1,422 $7,442 $8,381 $1,969 $2,038
State Farm $1,413 $1,413 $1,268 $1,268 $4,439 $5,588 $1,641 $1,873
Travelers $1,360 $1,379 $1,357 $1,349 $5,934 $9,378 $1,420 $1,609
USAA $890 $897 $848 $846 $2,751 $3,062 $1,189 $1,281

Oberlin, OH Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Oberlin, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,509 $6,294
American Family $2,789 $3,029
Farmers $7,623 $7,929
GEICO $3,064 $2,840
Liberty Mutual $10,070 $11,368
Nationwide $5,500 $7,057
Progressive $7,442 $8,381
State Farm $4,439 $5,588
Travelers $5,934 $9,378
USAA $2,751 $3,062

Oberlin, OH Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Oberlin, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,774 $1,894
American Family $824 $828
Farmers $1,484 $1,569
GEICO $1,094 $1,113
Liberty Mutual $1,447 $1,768
Nationwide $1,912 $1,921
Progressive $1,376 $1,422
State Farm $1,268 $1,268
Travelers $1,357 $1,349
USAA $848 $846

Oberlin, OH Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Oberlin, Ohio

Insurance Company Poor Fair Good
Allstate $3,781 $2,762 $2,302
American Family $1,929 $1,312 $1,110
Farmers $3,650 $3,092 $2,944
GEICO $1,901 $1,589 $1,276
Liberty Mutual $5,853 $3,604 $2,826
Nationwide $3,843 $3,099 $2,619
Progressive $3,617 $3,136 $2,933
State Farm $3,367 $2,081 $1,640
Travelers $3,322 $2,894 $2,704
USAA $1,907 $1,352 $1,153

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Oberlin, OH Car Insurance Rates by Driver History

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

Annual Oberlin, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,467 $2,993 $3,532 $2,801
American Family $1,390 $1,470 $1,470 $1,470
Farmers $2,662 $3,432 $3,347 $3,474
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 $2,783 $3,788 $2,967 $3,376
State Farm $2,151 $2,574 $2,363 $2,363
Travelers $2,186 $2,854 $4,309 $2,544
USAA $1,128 $1,513 $1,992 $1,249

Oberlin, OH Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Oberlin, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,532
American Family $1,470
Farmers $3,347
GEICO $2,272
Liberty Mutual $4,508
Nationwide $4,106
Progressive $2,967
State Farm $2,363
Travelers $4,309
USAA $1,992

Oberlin, OH Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Oberlin, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,948 $2,948
American Family $1,433 $1,467
Farmers $3,229 $3,229
GEICO $1,562 $1,615
Liberty Mutual $4,094 $4,094
Nationwide $3,187 $3,187
Progressive $3,229 $3,229
State Farm $2,303 $2,423
Travelers $2,973 $2,973
USAA $1,414 $1,527

Oberlin, OH Cheapest Car Insurance Rates

How do the top Oberlin, Ohio car insurance companies’ average rates stack up against the Oberlin average monthly car insurance rates of $221? Take a look and see.

Best Annual Car Insurance Rates by Company in Oberlin, Ohio

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

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Oberlin, OH Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Oberlin, Ohio

Insurance Company Average Annual Rates
Allstate $2,948
American Family $1,450
Farmers $3,229
GEICO $1,589
Liberty Mutual $4,094
Nationwide $3,187
Progressive $3,229
State Farm $2,363
Travelers $2,973
USAA $1,470

Other Factors Affecting Oberlin, OH Car Insurance Rates

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

Oberlin, OH Car Theft Rates

The car theft rate in Oberlin, OH will affect your car insurance rates. FBI data shows that the annual car theft rate for Oberlin, Ohio is 3 stolen cars.

Oberlin, OH Commute Time

How does your Oberlin, OH commute time compare with the average driver? In Oberlin, the average commute is 14.2 minutes.

Oberlin, OH Car Insurance Quotes

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