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Cheap Auto Insurance Quotes in Lorain, OH (January 2022)

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Last Updated: January 2022
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Car Insurance in Lorain, OH

Having the right insurance coverage will not only financially protect you and others on the road, but is also required by Ohio insurance laws. To drive legally in Lorain, you need at least the minimum required liability coverage. However, if you’re financing your vehicle, your lender may require you to purchase additional coverage, such as comprehensive and collision coverage.

Getting an auto insurance policy doesn’t have to be expensive or time-consuming. Use Insurify, an AI-powered comparison tool, to find cheap auto insurance coverage with the best insurance providers in Lorain, Ohio. Get 10+ accurate and personalized quotes in under five minutes and compare them side by side to find the fullest coverage at the most affordable rate.

Car insurance costs depend on where you live in Ohio and can vary significantly from city to city. On average, residents of Lorain, OH, pay $102 per month in car insurance premiums. However, you can qualify for a discounted rate if you bundle your auto insurance policy with another policy, such as your home insurance, life insurance, or business insurance.

$99
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$130
$146
$156
ClearcoverElephantDirect AutoLiberty MutualThe General

Cheapest Car Insurance in Lorain, OH

To find cheap car insurance in Lorain, OH, it’s important to get at least four quotes from different insurance agencies. Different insurance companies weigh factors like your age, your vehicle model, and your credit score differently, so shopping around significantly increases your chances of finding a cheap auto insurance policy.

You can use the table below to compare average monthly car insurance quotes from some of the best providers in Lorain, OH. Or you can use Insurify to get 10+ accurate and personalized quotes tailor-fit to your needs in just a few clicks.

Best Car Insurance in Lorain, OH

You can get great car insurance coverage options at a cheap rate in Lorain, OH, but you have to know where to look for them. Insurify analyzes multiple factors that reflect quality, reliability, and health of an insurance company to calculate its Insurify Composite Score and ranks different car insurance providers. You can find some of the best auto insurance providers in the table below.

Average Car Insurance Cost

$120
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$113
$142
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Click here to learn about car insurance quotes and save on your current policy.

Lorain, OH Driving Facts

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Minimum Car Insurance Requirements in OH

Liability insurance comprised of bodily injury liability and property damage liability, is mandatory coverage for all drivers in the state of Ohio.

According to the Bureau of Motor Vehicles (BMV), proof of insurance must be carried in the vehicle and shown at traffic stops, vehicle inspections, and accident scenes. Minimum coverages for car insurance in the state of Ohio are:

  • $25,000 for bodily injury liability of one person 
  • $50,000 for bodily injury liability of two or more people
  • $25,000 for property damage liability in an accident

Ohioans are so invested in their residents purchasing liability insurance that its government has any driver applying for a driver’s license sign a document that affirms auto insurance coverage and knowledge of the penalties of driving uninsured.

Lorain Car Insurance Rates by Driver Age

Your age is one of the first factors that your insurance agent will look at when they are determining your auto insurance rate. Drivers with little experience on the road—such as teens and young drivers in their 20s—statistically pay more for car insurance than more experienced drivers. Lorain drivers in their 50s and 60s can expect the cheapest car insurance rates.

You can use the table below to compare average monthly car insurance costs for different driver ages. These average quotes are statewide, so they may be slightly different for Lorain, OH.

Lorain Car Insurance Rates by Driving and Accident History

Having speeding tickets, at-fault accidents, and failures to stop on your record can drive up your auto insurance costs. Drivers with a clean driving record have the cheapest auto insurance rates, but you can still get discounts on your car insurance if you bundle your policy with another policy, such as your homeowners insurance or renters insurance.

Lorain Car Insurance Rates by Credit Tier

Your credit history can also impact your car insurance costs. Lorain drivers with excellent and good credit scores have the cheapest average monthly car insurance costs, while those with a poor credit score can expect to pay more. Even if you don’t have an excellent or good credit score, you can still find cheap auto insurance in Lorain, OH, if you use Insurify.

Lorain DMV Information

The DMV is a state-level government agency that provides services related to cars and other motor vehicles, such as vehicle registration and titles as well as suspensions and reinstatements. However, in Ohio it is called the BMV, or the Bureau of Motor Vehicles.

There are multiple BMVs in Loran, Ohio; you can simply search for the one closest to you. You can walk in or make an appointment if you want to avoid waiting in line. The Ohio BMV also offers a number of services online, such as renewing your vehicle registration.

Public Transportation in Lorain

The easiest way to travel around Lorain and the surrounding area is by car. Limited public transportation options—such as buses and Lorain County Transit—are available, but the most convenient way to get around Lorain, OH, is by driving.

If high car insurance costs are preventing you from purchasing a car, remember that using Insurify’s predictive analytics technology can help you find a cheap auto insurance policy and save $489 per year on average in insurance premiums.

How to Get the Cheapest Car Insurance in Lorain

To get a cheap car insurance policy with great coverage, don’t rely on just one insurance provider. No two drivers are the same, and no two insurance companies determine their rates following the same algorithm, so it’s important to request at least four quotes from different insurance companies to find the cheapest one.

However, requesting and comparing auto insurance quotes can prove to be stressful and time-consuming. You have to spend hours answering the same questions about yourself and your vehicle over and over again—not to mention that you can get trapped by quote aggregation and lead-generation sites that sell your information to insurance agents.

Use Insurify to save yourself time, money, and stress. It’s incredibly easy: simply spend five minutes on Insurify’s trusted site answering basic questions about yourself, your vehicle, and your coverage preferences only once and instantly get access to 10+ cheap car insurance quotes tailor-fit to your preferences and needs.

Insurify Insights: How Lorain Drivers Measure Up

ford
Ford Focus
Most Popular Car in
Lorain, OH
suspended licenses
#3
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Lorain drivers measure up to their fellow Ohio motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Lorain

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Lorain drivers rank 16 in the number of car accidents per driver across all cities in Ohio.

  • Rank within state: #16
  • Percent of drivers in Lorain with an accident: 13.78%
  • Drivers in Lorain, OH with an accident in their driving history paid on average 55.83% more than drivers with a clean record

Speeding in Lorain

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Ohio, Lorain drivers rank 5 in the number of speeding infractions per driver.

  • Rank within state: #5
  • Percent of drivers in Lorain with a speeding ticket: 18.11%
  • Drivers in Lorain, OH with a speeding ticket in their driving history paid on average 22.5% more than drivers with a clean record

DUI/DWIs in Lorain

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Lorain drivers rank 21 in the number of DUI’s per driver across all cities in Ohio.

  • Rank within state: #21
  • Percent of drivers in Lorain with a DUI: 2.3%
  • Drivers in Lorain, OH with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Lorain

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Lorain is the Ford Focus.

Hybrid/Electric Vehicle Ownership in Lorain

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Lorain drivers rank 16 in hybrid and electric vehicle ownership across all cities in Ohio.

  • Rank within state: #16
  • Percent of drivers in Lorain with a hybrid/electric vehicle: 0.4%

FAQs - Lorain, OH Car Insurance

How do I find cheap car insurance in Lorain, OH?

Requesting auto insurance quotes from multiple car insurance companies is the best way to find a cheap auto insurance policy. However, manually requesting and comparing car insurance quotes can get tedious. With a 4.8/5 customer satisfaction rating and over 3,000 reviews, Insurify is the best comparison tool on the market to find the cheapest car insurance deal.

How much does car insurance cost in Lorain, OH?

Your auto insurance quotes depend on a variety of factors, such as your age, whether you’re a homeowner or are renting, and your vehicle model. You can spend hours researching average car insurance quotes online, or you can use Insurify to get 10+ personalized quotes from the best companies in Lorain, OH, in under five minutes.

What drives up car insurance rates in Lorain, OH?

Certain factors, such as being a teen or young driver with little experience on the road, a poor credit history, and having speeding tickets or at-fault accidents on your driving record, can increase auto insurance costs for you. If you have negative factors driving up your car insurance costs, use Insurify to find the cheapest deal for you in a matter of minutes.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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