Cheap Auto Insurance Quotes in Lorain, OH (2021)

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Car Insurance in Lorain, OH

The average cost of Ohio car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Lorain, OH to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$31
$65
$116
$130
$166
ProgressiveState FarmNationwideThe GeneralAmerican Family
Monthly $

Cheapest Car Insurance in Lorain, OH

Here are the cheapest carriers in Lorain for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$112
$100
$122
$124
$113
$102
OhioColumbusClevelandCincinnatiToledoLorain
Monthly $

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Lorain, OH Driving Facts

ohio

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.

Insurify Insights: How Lorain Drivers Measure Up

ford
Ford Focus
Most Popular Car in
Lorain, OH
suspended licenses
#2
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 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 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 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 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 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%

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.