Cheapest Car Insurance Quotes In Akron, OH For 2024

When searching for the most budget-friendly car insurance in Akron, Ohio, the choices can differ significantly, but one company shines for its competitive pricing: USAA. On average, Akron residents can obtain car insurance for approximately $20 per month, which is notably lower than the state’s average of $95.

For individuals seeking the most economical liability-only coverage, USAA stands out as the top choice. On the other hand, drivers looking for more comprehensive protection discover that State Farm provides the most favorable rates for full coverage policies, priced at $92 a month. Additionally, American Family offers the most affordable rates for young drivers, starting at $40 per month.

How Much Is Car Insurance In Akron, OH?

In Akron, OH, USAA provides the most affordable car insurance, with coverage available for $105 per month. As illustrated in the table below, its rates are notably lower than the average rates in both Ohio and the entire United States:

It’s important to note that the average national cost incorporates rates from both high-cost states like New York, New Jersey, and California, as well as low-cost states such as Mississippi, Kentucky, and Wyoming. Rates vary based on numerous factors including vehicle type, coverage amount, zip code, driving record, and more. Therefore, actual rates may differ depending on specific location and individual circumstances.

Cheapest Car Insurance Rates In Akron For Minimum Coverage

USAA stands as the most affordable car insurance provider for minimum coverage in Akron, boasting an average monthly cost of $20.

The minimum car insurance policy should include, at the very least, the following coverage:

• $25,000; Bodily injury coverage per person
• $50,000; Bodily injury coverage per accident
• $25,000; Property damage per accident

Having minimum car insurance offers a level of protection while driving, but it lacks collision or comprehensive coverage. This means your vehicle won’t be covered for damages from accidents or incidents like theft and natural disasters.

In Ohio, driving without insurance is illegal. Failing to provide proof of insurance during a traffic stop can lead to penalties such as fines, license suspension, or more severe consequences.

Cheapest Car Insurance Rates In Akron For Teenagers

Young drivers in Akron can secure the most budget-friendly quotes from USAA, with average monthly premiums of $158.

Teenage drivers typically encounter the highest car insurance premiums, primarily because of their lack of experience on the road. Insurance providers view young drivers as high-risk due to statistics showing they are more likely to be involved in accidents and commit traffic violations.

Cheapest Car Insurance Rates In Akron For Full Coverage

State Farm offers the most affordable car insurance rates for full coverage in Akron, with average quotes amounting to $92 per month.

Full coverage car insurance extends comprehensive protection beyond the basic requirements set by law. It generally combines comprehensive and collision coverages.

Comprehensive coverage shields against non-collision incidents like theft, vandalism, or natural disasters, while collision coverage provides financial security for vehicle damages resulting from accidents, regardless of fault.

Cheapest Car Insurance Rates In Akron For Seniors

Nationwide offers the most economical car insurance rates for seniors in Akron, with average quotes averaging $35 per month.

In Ohio, numerous seniors may benefit from favorable car insurance rates, influenced by various advantageous factors. While age often plays a role in determining insurance rates, with older age sometimes linked to diminished driving capabilities, this generalization doesn’t apply to everyone.

Cheapest Car Insurance Rates In Akron For Drivers With Prior Incidents

In Akron, drivers with records of traffic violations, such as accidents, speeding, or DUIs, often encounter challenges in securing affordable car insurance. These driving infractions cause insurance companies to classify them as high-risk, indicating a higher likelihood of filing future insurance claims.

As a result, insurance providers raise their rates for these individuals to offset the risk of facing increased claim payouts.

Cheapest Car Insurance Rates In Akron For Drivers With A Speeding Ticket

American Family provides notably affordable rates compared to other companies, offering average rates of $50 per month.

Cheapest Car Insurance Rates In Akron For Drivers With An At-Fault Accident

American Family provides the most economical car insurance quotes for drivers with an at-fault incident, boasting an average rate of $50 per month.

Cheapest Car Insurance Rates In Akron For Drivers After A DUI

American Family offers the most affordable rates for drivers with a DUI incident in Akron, providing average monthly premiums of $50.

Cheapest Car Insurance Rates In Akron For Good Drivers

Safe drivers in Akron can access the most affordable car insurance quotes from USAA, typically priced at approximately $20 per month.

Drivers with clean driving records in Akron generally receive lower car insurance rates because they are considered lower risk. Insurance companies assess driving records to determine how safely a person drives. Fewer incidents such as accidents or traffic violations indicate that the driver is cautious and less likely to file a claim.

Since insurers calculate their rates based on the probability of a driver making a claim, a flawless driving record can result in substantial savings on premiums. It all boils down to risk assessment – the cleaner the record, the lower the perceived risk, and therefore, the lower the insurance cost.

Cheapest Car Insurance Rates In Akron For Young Adults

American Family provides the most affordable quotes for young adults in Akron, with rates averaging around $40 per month.

In Ohio, young adult drivers generally enjoy lower car insurance rates compared to teenage drivers. This difference in pricing is due to the development of driving habits and a corresponding decrease in risk-taking behaviors as drivers mature.

Statistically, young adults are less likely to file insurance claims, indicating a reduced involvement in accidents. As a result, insurers lower premiums, acknowledging the improved safety records and decreased likelihood of claims from these more experienced drivers.

Best Car Insurance Companies In Akron

For drivers in Akron, selecting the appropriate car insurance company entails not only finding affordable rates but also ensuring dependable protection on the road. Below are the top 10 car insurance companies in Akron, OH, ranked by the average monthly rate they offer.

Average Car Insurance Rates By Age In Akron

Age plays a crucial role in determining car insurance rates. Typically, younger drivers, especially teenagers and young adults, encounter higher insurance premiums due to their lack of experience and statistically higher probability of accidents and traffic violations. As drivers reach 25 years old, their rates generally begin to decrease, assuming they maintain a clean driving record.

The most advantageous insurance rates are often available for drivers in their 50s and early 60s. Insurance companies utilize age as a measure to assess driving experience and risk potential, thus adjusting the cost of premiums accordingly.

Average Car Insurance Rates By Vehicle Type In Akron

The type of vehicle you drive significantly impacts your car insurance costs. Insurance companies consider factors such as the make, model, year, and body type of the car. Generally, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

Conversely, older cars or those less expensive to repair or replace may attract lower premiums. Insurers take these aspects into account because they directly affect the potential cost of claims – for example, repairs for a high-end car are typically more expensive than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

How Much Is Car Insurance For Other Cities In Ohio?

The city where you live greatly influences your car insurance rates. Insurance companies evaluate several factors related to your location, including the probability of accidents, vehicle theft, and vandalism rates, which tend to be higher in urban areas. This heightened risk often results in higher premiums.