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Are you in need of cheap auto insurance in Akron, OH? With AutoInsuranceEZ.com, you’ll find the best insurance rates close to you. To acquire free car insurance estimates offered by the very best providers today, provide your postal code within the quote box here.

Akron has a long history of industrial success in the US. It has long been known as a focal point for the American rubber industry, and is especially famous for automotive tire production. In keeping with Akron’s history of innovation, it is home to the National Inventor’s Hall of Fame as well as a leader in polymer research and engineering. Akron is also responsible for LeBron James, Devo, and the All-American Soap Box Derby.

  • Fun fact: Where is that guy from? Because Akron is #2 on the list of “Top 101 zip codes with the largest percentage of Lebanese first ancestries”. Read up on Akron by visiting here.

Auto Insurance Coverage Requirements in Ohio

Driving legally in Akron requires:

Coverage Requirements Most Common
Bodily Injury Liability 12,500/25,000 100,000/300,000
Property Damage Liability 7,500 100,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 0 deductible

Ohio’s minimum Liability coverage requirements are some of the lowest in the country, which should make purchasing the state minimum coverage much more affordable. However, this type of coverage might not be enough to cover new or expensive vehicles.

Living and driving in Ohio means that the average motorist is probably paying around $77 each month to maintain their coverage. However, Akron drivers can take advantage of some great deals right now and get quotes as low as $32/mo*! You can learn more about Ohio automotive insurance here.

Average Monthly Auto Insurance Premiums Legend: Akron Ohio Mutual State Farm Liberty Mutual Nationwide The General 5 10 15 20 25 30 35 40 $23 $25 $33 $34 $44

 

Ohio Mutual and State Farm are offering some of the lowest premiums in Akron right now. But are they also offering the best customer service? Will they make good on claims quickly and efficiently? These are important questions to ask before you think about switching carriers.

Auto insurance carriers consider various elements when establishing quotes, especially marital status, where you live, type of vehicle owned, years of driving experience, and current insurance coverage and limits. Also keep in mind that premiums could vary from provider to provider. To verify you are still getting the most affordable rate, do a comparison of cheap Akron auto insurance estimates online.

Major Car Insurance Factors in Akron

There are numerous ways that your car insurance rate can be calculated. But not all of it is out of your control; there are steps you can take in order to control which discounts you are eligible to obtain. The following are some of these elements in greater detail:

  • Your Zip code

Cheap car insurance is normally associated with towns which have a smaller population density. Since there are a lesser number of cars cruising the road, there are a lot fewer chances to get involved in a serious crash with a different individual. The populace of Akron is 198,100 and also the normal family earnings are $34,300.

Auto Insurance by Zip Code Legend: Columbus Cleveland Cincinatti Toledo Akron Ohio Mutual State Farm Liberty Mutual Nationwide The General 5 10 15 20 25 30 35 40 45 $24 $26 $22 $21 $23 $25 $26 $26 $32 $25 $33 $39 $31 $34 $33 $33 $38 $33 $36 $34 $46 $44 $48 $46 $44

 

  • Automotive Accidents

The safety of the roads where you live can have a significant impact on your monthly rate. If accidents are high in your area, your insurance provider will likely raise rates for all drivers in a given city. If you’re concerned about the numbers in the chart below, contact your local agent to see if you qualify for any Safe Driver or other similar discounts.

Fatal Accidents in Akron, OH Legend: Akron Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 10 15 20 13 17 10 14 22 1

 

  • Auto Thefts in Akron

Acquiring low-cost auto insurance can be challenging should you be vulnerable to auto theft. Some popular vehicle models are alluring to thieves, in addition to automobiles which are parked typically in huge urban centers. The total number of thieved cars in 2013 was 631 for the city of Akron. Comprehensive coverage is the only policy addition which can protect you from theft – but it will raise your monthly rates.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Ohio Mutual State Farm Liberty Mutual Nationwide The General 15 30 45 60 75 90 105 120 135 150 165 $23 $101 $25 $73 $33 $141 $34 $69 $44 $169

 

  • Your Credit Score

Some companies, such as Nationwide or The General in the chart below, will give drivers with poor credit a bit of a break on their monthly premiums. However, most companies will charge you at least double (if not more) versus drivers with excellent credit.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Ohio Mutual State Farm Liberty Mutual Nationwide The General 5 10 15 20 25 30 35 40 45 50 55 60 $23 $50 $20 $46 $26 $61 $32 $46 $43 $53

 

  • Age

Some companies feel that young drivers, with their lack of driving experience, are very risky to cover. This is why they get charged so much more than someone who is older. And some companies, like Ohio Mutual or The General, feel that they are too risky to cover at all.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Ohio Mutual State Farm Liberty Mutual Nationwide The General 15 30 45 60 75 90 105 120 135 150 $23 Do Not Sell $25 $110 $33 $115 $34 $158 $44 Do Not Sell

 

  • Your Driving Record

Having driving violations on your record will undoubtedly raise your rates. But how much it raises them will vary depending on the violation. Lesser accidents and speeding tickets won’t pack as hard of a punch as reckless driving or a DUI. And sometimes, you can get your lesser violations waived with an Accident Forgiveness discount.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Ohio Mutual State Farm Liberty Mutual Nationwide The General 5 10 15 20 25 30 35 40 45 50 55 60 65 70 75 $23 $29 $54 $70 $25 $28 $28 $30 $33 $33 Do Not Sell $49 $34 $43 $76 $56 $44 $52 $56 $62

 

  • Your Vehicle

The purpose if automotive insurance is to make sure that, if you are ever in an accident, you have a financial resource to help you get back on your feet and back on the road as quickly as possible. And if you’re covering an expensive vehicle with only the bare minimum state required coverage, and you have to pay for everything else from your own wallet, it’s going to take you a very long time to replace it or repair damages.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porche Boxster Spyder Ohio Mutual State Farm Liberty Mutual Nationwide The General 15 30 45 60 75 90 105 120 135 150 $23 Do Not Sell $25 $100 $33 $153 $34 $99 $44 Do Not Sell

 

Minor Car Insurance Factors in Akron

Below are lesser factors which may or might not influence your monthly premium. When put together, however, their influence might not be so minor:

  • Your Marital Status

Married drivers have the option of bundling their insurance policies together. And, in exchange for giving your insurance provider that much more business, they usually reward drivers in kind with bundling discounts.

  • Your Gender

Insurance companies can’t seem to make up their minds when it comes to gender. Some companies charge more for males, while others charge females more. Some don’t even charge different rates based on gender at all.

  • Your Driving Distance to Work

While the average commute time for Akron is officially 15-20 minutes, a shorter commute of 10-15 minutes might be familiar to some. 79% of drivers will be using their own automobile by themselves in order to get to and from work, while approximately 8% will carpool.

You’d think that driving fewer miles per year would get you some pretty substantial discounts. Unfortunately, that isn’t the case. You’d have to slash your yearly mileage by the thousands just to get a 4-5% discount, at most.

  • Your Coverage and Deductibles

Adjusting your deductible involves a lot of risk, with a potential reward. Raising your deductible could get you some nice discounts on your monthly premium – however, in the event that you do need to file a claim, you will have to pony up more cash in the beginning.

  • Education in Akron, OH

A substantial 35% of the population of Akron has achieved a high school diploma or an acceptable equivalent, while an additional 20% have yet to complete their high school education. If you are in this majority, you should know that furthering your education won’t just give you better career prospects: it will also earn you lower rates on your car insurance.

Akron is home to the University of Akron and its loveable mascot, Zippy the Kangaroo. The student body is nearly 25,000 strong, and students pursue over 300 different undergraduate and graduate degrees annually. UA also has a doctoral program and a law school. For a more specialized education, prospective students can also look into the Wooster Business College, the Academy of Court Reporting, or the Stafford Flight Academy.

Obtaining inexpensive automobile insurance could be a headache. There’s a lot of information you need to take into account, and understanding exactly how insurance providers assess your prospective risk can be complex. But try not to permit the wrong insurance agency talk you into buying the wrong policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Ohio Department of Insurance

Division of Financial Institutions – Ohio Department of Commerce

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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