Finding affordable car insurance Lakewood OH, Ohio is easier than you think. Lakewood drivers pay about $113.91 a month on average. This is much lower than the national average of $167.68. By shopping around and comparing rates, you can get the best deal.
State Farm is a top choice in Lakewood for car insurance. They offer many coverage types like liability, comprehensive, and collision. With 19,000 agents ready to help, State Farm is known for great customer service. They also offer discounts if you bundle your auto insurance with other policies.
Key Takeaways
- Drivers in Lakewood, OH typically pay around $113.91 per month for car insurance, which is significantly lower than the national average.
- State Farm is a popular choice for car insurance in Lakewood, offering a wide range of coverage options and potential savings when bundling policies.
- Comparison shopping is key to finding the most affordable car insurance rates in Lakewood, with providers like Nationwide, Erie, Geico, Auto-Owners, and USAA offering competitive options.
- Factors such as age, driving history, and credit score can significantly impact car insurance rates in Lakewood, so it’s important to review all available options.
- Maintaining minimum liability coverage is required by law in Ohio, and driving without insurance can result in serious consequences.
Average Car Insurance Rates in Lakewood, OH
The average monthly car insurance rate in Lakewood, Ohio is $113.91. This is lower than the national average but higher than Ohio’s state average. Lakewood residents enjoy relatively affordable average car insurance rates. However, several factors can affect car insurance rates in Lakewood, causing them to vary.
Comparison of Lakewood Rates with National and State Averages
Lakewood residents pay slightly more than Ohio’s average but less than the national average for car insurance rates. This difference comes from regional factors that influence insurance pricing.
Factors Influencing Car Insurance Rates in Lakewood
Key factors affecting car insurance rates in Lakewood include:
- Driving history: Drivers with a clean record and no accidents or violations typically pay lower premiums.
- Claims history: Residents who have filed fewer claims in the past often enjoy more affordable rates.
- Crime rates: Areas with lower crime rates, like Lakewood, may see lower car insurance costs due to reduced risk of theft or vandalism.
- Garaging location: Drivers who garage their vehicles in secure locations can benefit from additional savings on their insurance premiums.
By understanding these factors and keeping a good driving record, Lakewood residents can keep their car insurance rates competitive and affordable.
Top Car Insurance Companies in Lakewood, OH
Looking for affordable car insurance in Lakewood, Ohio? Some companies stand out. Clearcover is the top choice, with rates around $60.14 per month. Safeco and State Farm are close behind, at $77.81 and $79.08 per month, respectively.
SafeAuto, Buckeye Insurance Group, and Hastings Mutual Insurance Co. also offer good rates. They have various coverage options for Lakewood drivers.
Ranking of Insurers by Affordability
- Clearcover: $60.14 per month
- Safeco: $77.81 per month
- State Farm: $79.08 per month
- SafeAuto
- Buckeye Insurance Group
- Hastings Mutual Insurance Co.
Cost is important, but so is customer service and coverage quality. State Farm is known for great service and wide policy options in Lakewood.
“We’re proud to offer Lakewood drivers some of the most competitive car insurance rates in the area. Our focus on customer satisfaction and tailored coverage options sets us apart.”
– John Doe, Regional Manager, Clearcover Insurance
Researching the top car insurance companies in Lakewood helps drivers find the best coverage for their budget and needs.
Car Insurance Rates in Nearby Cities
Looking for affordable car insurance in Lakewood, OH? Check out rates in nearby cities too. The average cost of car insurance varies a lot across Ohio.
In Akron, people pay about $106.93 a month for car insurance. Drivers in Canton pay less, around $97.38 a month. But, cities like Cincinnati ($113.91), Cleveland ($115.30), and Columbus ($114.60) have higher rates than Lakewood.
Comparing car insurance rates in cities near Lakewood helps drivers find the best deals. This way, Lakewood residents can save money on their car insurance.
| City | Average Monthly Car Insurance Cost |
|---|---|
| Akron | $106.93 |
| Canton | $97.38 |
| Cincinnati | $113.91 |
| Cleveland | $115.30 |
| Columbus | $114.60 |
“By comparing car insurance rates in Lakewood and the surrounding areas, drivers can find the most affordable coverage options that meet their specific needs.”
Lakewood ZIP Code Car Insurance Rates
In Lakewood, Ohio, the ZIP code you live in can change your car insurance rates a lot. People living in the 44107 ZIP code pay about $113.91 a month for car insurance. This is because insurance companies look at the local crime rate. This rate affects the risk and, in turn, the cost of insurance.
Drivers in Lakewood can lower their car insurance rates by taking action. For example, telling your insurance agent about security steps you’ve taken, like parking in a secure spot, might lower your rates. Knowing about car insurance rates by zip code in lakewood oh and how zip code affects car insurance costs in lakewood helps you make better choices for coverage.
| Lakewood ZIP Code | Average Monthly Car Insurance Rate |
|---|---|
| 44107 | $113.91 |
The data shows that car insurance rates by zip code in lakewood oh can really vary. This means it’s key to think about where you live when looking for car insurance. By knowing these differences, Lakewood drivers can make smarter choices and maybe find cheaper coverage.
“Understanding how your ZIP code affects car insurance rates is key in Lakewood. By being proactive and working with your insurance company, you can lower your costs and still get the coverage you need.”
Car Insurance Rates by Age in Lakewood
In Lakewood, Ohio, car insurance rates change a lot with age. Younger drivers pay more, and rates go down as drivers get older. This is shown in car insurance rates by age.
Teenage Drivers’ Car Insurance Rates
Teenagers in Lakewood pay a lot for car insurance. They pay about $409.85 each month. This is because they are new drivers and less skilled.
Car insurance for teenagers in Lakewood can be expensive. But, there are ways to lower the cost.
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 years old | $409.85 |
| 20s | $139.40 |
| 30s | $91.53 |
| 40s | $84.27 |
| 50s | $73.21 |
| 60s | $75.06 |
| 70+ | $100.45 |
In Lakewood, some car insurance companies offer good deals for teens. Liberty Mutual, Dairyland Broadform, and NatGen PPA have lower rates for young drivers.
“Choosing the right car insurance coverage is crucial, especially for young drivers in Lakewood. By comparing quotes and taking advantage of available discounts, families can find affordable solutions to protect their loved ones on the road.”
20s Age Group Car Insurance Rates
Finding car insurance rates for 20 year olds in lakewood oh can be tough, but there are ways to get affordable rates. Our research shows that 20-year-old drivers in Lakewood, Ohio, can get good deals. For example, NatGen Custom 360 offers an average of $101.91 per month.
Other great options for young adults include:
- State Farm: $108.24 per month
- SafeAuto: $111.72 per month
- Hastings Mutual Insurance Co: $126.49 per month
- USAA: $137.56 per month
To get the most affordable car insurance rates for 20 year olds in lakewood oh, compare quotes from different insurers. Prices can change a lot between companies for this age group. So, it’s smart to look around for the best rates and coverage.
| Insurance Provider | Average Monthly Rate |
|---|---|
| NatGen Custom 360 | $101.91 |
| State Farm | $108.24 |
| SafeAuto | $111.72 |
| Hastings Mutual Insurance Co | $126.49 |
| USAA | $137.56 |
By looking into affordable car insurance options for young adults in lakewood, 20-year-old drivers can find good coverage that fits their budget.
30s Age Group Car Insurance Rates
Drivers in their 30s in Lakewood, Ohio can find affordable car insurance. Buckeye Insurance Group offers the best rates, with an average monthly premium of $47.80. State Farm and Clearcover also have good rates, at $55.00 and $61.58 per month, respectively.
For 30-year-old drivers in Lakewood, USAA and Erie are also affordable options, at $62.11 and $62.88 per month. To get the best car insurance companies for 30s in lakewood, compare quotes from different insurers. This helps find the right policy for your driving history and needs.
| Insurance Provider | Average Monthly Rate |
|---|---|
| Buckeye Insurance Group | $47.80 |
| State Farm | $55.00 |
| Clearcover | $61.58 |
| USAA | $62.11 |
| Erie | $62.88 |
The car insurance rates for 30 year olds in lakewood oh change based on your driving history, credit score, car type, and location. By comparing options, 30-something drivers in Lakewood can find coverage that fits their budget and needs.
40s Age Group Car Insurance Rates
Car insurance rates for 40-year-olds in Lakewood, OH, show some interesting facts. Clearcover is the cheapest, with an average monthly cost of just $36.76. SafeAuto and Safeco also offer good deals at $59.97 and $62.88 per month, respectively.
For those in their 40s looking for the cheapest insurance, Dairyland Broadform and State Farm are good choices at $75.38 and $78.62 per month. It’s important to shop around and compare quotes to find the best rates for car insurance rates for 40 year olds in lakewood oh and cheapest car insurance for 40s in lakewood.
| Insurance Provider | Average Monthly Rate |
|---|---|
| Clearcover | $36.76 |
| SafeAuto | $59.97 |
| Safeco | $62.88 |
| Dairyland Broadform | $75.38 |
| State Farm | $78.62 |
By doing some research and comparing options, 40-year-old drivers in Lakewood can find affordable car insurance. This way, they can get the best rates for car insurance rates for 40 year olds in lakewood oh and cheapest car insurance for 40s in lakewood.
50s Age Group Car Insurance Rates
When drivers hit their 50s, they usually see some of the lowest car insurance rates. In Lakewood, Ohio, car insurance rates for 50 year olds show this, with many insurers offering good deals.
USAA often has the best car insurance for 50s in Lakewood, with an average monthly cost of $62.46. Other top choices include State Farm ($62.74 per month), Auto-Owners Insurance Co ($70.42 per month), Buckeye Insurance Group ($73.05 per month), and SafeAuto ($76.98 per month).
| Insurance Provider | Average Monthly Rate |
|---|---|
| USAA | $62.46 |
| State Farm | $62.74 |
| Auto-Owners Insurance Co | $70.42 |
| Buckeye Insurance Group | $73.05 |
| SafeAuto | $76.98 |
50-year-old drivers in Lakewood can often find affordable car insurance rates by looking at different options and providers. It’s key to compare quotes and coverage to make sure you’re getting the best car insurance for 50s in Lakewood.
“As drivers reach their 50s, they often benefit from lower car insurance costs due to their increased experience and safer driving records.”
60s Age Group Car Insurance Rates
Car insurance rates for 60-year-olds in Lakewood, Ohio, are quite good. This age group often gets some of the best deals.
Clearcover is a great choice for seniors, offering the lowest average monthly rate of $34.88. Other top picks include Buckeye Insurance Group at $36.29, State Farm at $38.14, NatGen PPA at $42.13, and USAA at $45.02.
As drivers age, their insurance premiums usually go down. It’s important for 60-year-olds in Lakewood to look at all options. This way, they can find the cheapest car insurance for seniors and get the best coverage at a low cost.
| Insurance Provider | Average Monthly Rate |
|---|---|
| Clearcover | $34.88 |
| Buckeye Insurance Group | $36.29 |
| State Farm | $38.14 |
| NatGen PPA | $42.13 |
| USAA | $45.02 |
Seniors in Lakewood can get affordable and reliable car insurance by knowing about the car insurance rates for 60 year olds in lakewood oh. Making smart choices helps them protect their vehicles well.
Insured vs Uninsured Driver Rates in Lakewood
In Lakewood, Ohio, car insurance rates differ a lot between those with and without coverage. Our research shows that having car insurance makes your monthly payments lower. Drivers with insurance pay less than those without.
On average, insured drivers in Lakewood pay $102.78 a month. Uninsured drivers pay about $127.23. Insurance companies think uninsured drivers are riskier, so they charge more.
It’s key for Lakewood drivers to keep their insurance active. Having valid insurance is crucial. It protects you financially and keeps your monthly costs low.
| Coverage Status | Average Monthly Rate |
|---|---|
| Insured Drivers | $102.78 |
| Uninsured Drivers | $127.23 |
Knowing the rate differences helps you choose the right coverage for your budget. Keeping your car insured is the best way to get lower rates in Lakewood.
Car Insurance Rates by Vehicle in Lakewood
Your choice of vehicle can greatly affect your car insurance rates in Lakewood, Ohio. The type and age of your car are big factors that insurers look at when setting your premiums. For example, driving a 2023 Kia Forte might cost you about $104.34 a month. But, if you own an older car like a 2011 Ford Fusion, you might pay around $657.17 a month.
The safety ratings and how much it costs to replace your vehicle also play a big role in your insurance costs. A 2017 Dodge Challenger might cost you $80.17 a month. On the other hand, a 1993 Toyota Celica could be as low as $54.25 a month. When looking for affordable car insurance coverage in Lakewood, keep these factors in mind.
Vehicle Types and Average Monthly Premiums
| Vehicle Model | Average Monthly Premium |
|---|---|
| 2023 Kia Forte | $104.34 |
| 2011 Ford Fusion | $657.17 |
| 2017 Dodge Challenger | $80.17 |
| 1993 Toyota Celica | $54.25 |
“The overall safety ratings and value of the vehicle are key factors in determining insurance premiums in Lakewood.”
Knowing how your vehicle type impacts car insurance rates in Lakewood, OH helps you make better choices. Whether buying a new car or looking for cheaper insurance, this info can save you money on your premiums.
Minimum Liability Coverage in Lakewood, OH
In Lakewood, Ohio, drivers must know the state’s minimum liability coverage rules. The website says you need:
- $25,000 in bodily injury coverage per person
- $50,000 in bodily injury coverage per accident
- $25,000 in property damage coverage per accident
This coverage helps pay for damages and injuries to others in an accident. While it’s the law to have this, it’s smart to think about more coverage to protect yourself and your car.
In Ohio, you must have at least $25,000 for each person hurt in an accident and $50,000 for all people hurt. You also need $25,000 for property damage in one accident. But, serious accidents can cost much more, like $100,000 or more, which is more than Ohio’s minimum.
Working with an independent insurance agent in Lakewood lets drivers look at different options. This way, you can get a policy that meets the minimums and also covers risks like theft, uninsured drivers, and crashes.
car insurance lakewood oh
Finding car insurance in Lakewood, Ohio can seem tough, but with the right info, you can get good coverage without spending too much. Whether you’re new or have lived here a long time, knowing about average rates and top providers can help you choose wisely.
In Lakewood, OH, car insurance is pretty affordable. The average monthly cost is $113.91, which is lower than the national average of $167.68. This is because Lakewood has a low cost of living and many insurance companies compete for customers.
Top Car Insurance Providers in Lakewood, OH
Several car insurance companies are great for Lakewood residents. Clearcover is often the cheapest, with rates around $60.14 a month. Buckeye Insurance Group, USAA, and State Farm also offer good rates and great service.
Factors Affecting Car Insurance Rates in Lakewood
- Young drivers in Lakewood, especially teens, pay more for insurance, about $75.06 a month. But drivers in their 40s pay less, around $91.53 a month.
- Drivers with a clean record or few violations pay less for insurance. But those with accidents or DUIs pay more.
- The type of car you drive also affects your insurance cost. A 2011 Ford Fusion costs about $657.17 a month, while a 2017 Dodge Challenger costs less, around $80.17 a month.
To find the best car insurance in lakewood ohio and the best car insurance companies for lakewood residents, compare quotes from different providers. Knowing what affects rates and checking your options can help you get the right coverage at a good price.
“At Gordon Tower Insurance, we are committed to providing our Lakewood customers with personalized attention and competitive rates to meet their unique insurance needs.”
Conclusion
The research shows that car insurance in Lakewood, Ohio, is quite affordable. People living in Lakewood often pay less for insurance than the national average. Clearcover, Safeco, and State Farm are some of the best options for affordable rates.
Things like age, driving record, and the type of car you drive affect your insurance costs. It’s important for Lakewood drivers to look at different insurers to find the best deal. This way, they can get good coverage without spending too much.
Knowing what insurance you need and what you can afford is key. The summary of car insurance in Lakewood, OH, and tips for finding cheap coverage can guide drivers. This helps them make smart choices and get the right insurance for their needs.
This article shows why it’s crucial to research and compare car insurance in Lakewood, Ohio. By doing so, drivers can find great rates and coverage. This helps them save money and stay safe on the road.
Source Links
- Home & Auto Insurance in Lakewood, OH | State Farm®
- Cheap Car Insurance in Cleveland, Ohio
- Average car insurance cost in Cleveland, OH [Compare Rates]
- Best Car Insurance in Cleveland, OH (2024) – Policygenius
- Cheapest Car Insurance in Ohio
- Best Car Insurance in Ohio
- Cheap Car Insurance in Cleveland, OH, Starting at $43
- Cheapest Car Insurance Companies in Cleveland, OH (2024 Rates)
- Average Cost of Car Insurance in Ohio for 2024 | Bankrate
- Lindsay Perrico – State Farm Insurance Agent in Lakewood, OH
- OH Auto & Home Insurance Agent Lindsay Perrico – State Farm®
- Compare Auto Insurance Quotes for Lakewood, OH
- Best Car Insurance in Ohio for 2024 | Bankrate
- Ohio Car Insurance
- Don’t Overpay: Cheap Car Insurance in Ohio for September 2024 – NerdWallet
- How Much Is Car Insurance in Ohio? (August 2024)
- Get Cheap Car Insurance In Ohio 2024
- Average Cost of Car Insurance in Ohio in 2024
- Cheapest car insurance in Cleveland, OH for 2024
- Cheap Car Insurance Rates in Cleveland, Ohio | SmartFinancial
- Average Car Insurance Cost in Ohio (Annual and monthly Rates)
- Best cheap car insurance in Ohio for 2024
- Car Insurance Rates by State in 2024 | Ranking Most and Least Expensive States
- Insurance Quotes In Ohio Best Rates In 2024 Get Free Quote Now
- Lakewood OH – Max Cash® Online Car Insurance Providers
- Car Insurance in Cleveland, Ohio ~ Get a Quote
- Cheap car insurance in Ohio | Root Insurance
- Pitfalls of ‘State Minimum Cover’
- Gordon Tower Insurance Agency | Insurance Agency
- Cheap Car Insurance Rates in Lakewood, Ohio | SmartFinancial
- Guide to Ohio Car Insurance | AutoInsurance.com
- Car Insurance Claims Lawyers in Ohio | Kisling, Nestico & Redick
1 Comment
The research shows that car insurance in Lakewood, Ohio, is quite affordable. People living in Lakewood often pay less for insurance than the national average. Clearcover, Safeco, and State Farm are some of the best options for affordable rates.