UPDATED: Mar 13, 2020
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We’ve been contacted pretty frequently lately by drivers who are searching for cheap auto insurance in Canton, OH. So in case you were wondering, no, you are not alone.
We have a ton of experience helping drivers just like you compare rates between companies in the Canton area. Just use our FREE quote tool to compare rates today!
Canton, also known as the Hall of Fame City, is located right in the middle of a lot of very interesting places. It’s just south of Cleveland, and it also borders part of the classic Ohio Amish Country.
It is the 8th largest city in the state, and it is a hotbed of activity with regard to healthcare, steel production, and local television.
- Fun fact: Gordon Ramsay, eat your heart out; because Canton, OH is #2 on the list of “top 100 cities with greatest number of females preparing and serving your food”! you can learn more fun facts about Canton here.
Auto Insurance Coverage Requirements in Ohio
Driving legally in Canton requires:
|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|
Are you thinking about purchasing the bare minimum amount of legally required coverage in order to save money on your auto insurance? That could be a very bad idea if you’re not careful. For starters, you may not have a choice.
If you’re leasing your vehicle or if you’re financing it with a bank loan, those institutions will likely set minimum requirements which are higher than the state’s requirements.
And if you’ve done well for yourself (financially speaking), purchasing more liability coverage can help protect certain assets – like your home, your valuables, or other, similar assets – if you cause a serious accident and your insurance coverage isn’t enough to pay what you owe in damages.
Are you paying more than $77 per month for your car insurance coverage? Well, if so, you may be getting a bad deal. As it stands, that number is the recorded average for Ohio drivers.
But you shouldn’t have to pay above-average prices just to drive legally.
In Canton, Buckeye and State Farm are in a bit of a bidding war when it comes to attracting customers. But remember: price isn’t everything. You’re paying for a service, and you should do your homework before deciding on which company can provide the best service for a reasonable price.
Have you ever wondered why Ohio auto insurance companies charge what they charge? Well, it’s all about risk. They calculate some of your personal information and crunch the numbers to discover how likely it might be that you will get into an accident.
The less likely, the less you will have to pay for your coverage. Auto insurance providers do this so that they make enough money to have funds available to pay out claims. Otherwise, they would go under and go out of business.
Doing a self-evaluation of your own risk can help you identify how risky you may be to insure – and how to change your circumstances in a more favorable direction. Enter your zip code below to view companies that have cheap auto insurance rates. Secured with SHA-256 Encryption
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Major Car Insurance Factors in Canton
Let’s start by going over the factors which will have the most significant impact on your monthly premiums.
Many of these factors pointed to different things which directly reflect what sort of driving conditions you will be experiencing – and those conditions can make or break your car insurance premium.
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Last time anyone took a tally, there were approximately 71,329 people living within the city limits of Canton. And the average household is making about $31,714 per year. Insurance companies need to know data like this so that they can estimate what traffic conditions are like in your area.
After all, the higher the population of your city, the more likely you are to share the road with lots of other drivers at any given time – and that, of course, makes you more vulnerable to getting into an accident.
We’re going to be totally honest here: the numbers for deadly accidents in Canton aren’t looking so good. They have half the population of sister cities such as Dayton, but nearly just as many accidents.
It would be a good idea to talk to your auto insurance provider and see if there is any way you could prove yourself to be more responsible behind the wheel than the average motorist.
Maybe you could take a defensive driving course or play up the safety features on your vehicle for potential discounts? It never hurts to ask.
Auto Thefts in Canton
Auto theft statistics in Canton aren’t great, but they could be worse. Take a look at a similar city in the same state: Parma. They have half as many auto thefts, but a very similar population.
Keep in mind though that Parma is the gold standard when it comes to low rates of auto theft. So if Canton is doing half as good of a job, at the very least it could mean that they are on the right track.
Your Credit Score
Do you know why so many car insurance companies put so much weight on a person’s credit score when determining premiums? Mostly it’s because they use that information to determine how reliable you will be as a customer when it comes to your payments.
They don’t like to spend a whole bunch of time chasing people down for money or all the annoying administrative paperwork that comes with canceling someone’s insurance or reinstating a policy after late payments.
Older drivers have access to lower monthly premiums because of their extensive experience behind the wheel (up to a certain point, of course).
The younger you are, the riskier of a driver your insurance company will assume that you are, and they will protect themselves by charging you higher premiums in order to offset the expensive accidents that teenage drivers cause (and they expensive claims that they usually file).
Bundling on the same policy as your parents, making sure you get good grades and taking a driver’s education course can all get you discounts, though.
Your Driving Record
Your recent driving record can have a pretty significant impact on how much you end up paying for your car insurance.
Keep in mind that after a certain point, your older citations no longer matter – so that one speeding ticket you got during your first week of driving will no longer count against you if you’re in your early thirties.
But the more serious the citations – like a DUI, for example – the harder it will be to get affordable auto insurance premiums. Certain companies may refuse to give you coverage altogether.
Newer vehicles, fancier vehicles, luxury vehicles, leased vehicles, and newly financed vehicles are all usually going to cost more to carry insurance coverage on than most of their vehicles.
With an older vehicle that you’ve already paid off, you don’t need to carry optional coverages such as gap, collision, or comprehensive coverage. You also have more wiggle room when it comes to adjusting your liability coverage amounts and your deductibles.
Minor Car Insurance Factors in Canton
Of course, tweaking some of the factors below can add up to some extra savings over time:
Your Marital Status
Car insurance companies do what they can to get more business anywhere they can find it. So is it any surprise that most companies are willing to offer a 10 percent to 13 percent discount for married partners who are willing to bundle together?
If you and your life companion are still carrying separate policies with separate companies, you might want to at least ask one of your insurance providers whether or not you are eligible for such lucrative discounts. Hopefully, this doesn’t cause trouble in paradise as you fight over which company to bundle with!
Did you know that almost every insurance company used to charge men and women different car insurance rates? Even if two drivers wear identical in every other conceivable way, falling on either the male or the female side of the gender fence would get one driver lower right than the other.
This practice is starting to become less in fashion – but whether or not your specific insurance company still does it it’s something you’ll have to ask them!
Your Driving Distance to Work
Work commutes are a little bit better in Canton than they are in other Ohio cities. There are somewhat fewer motorists on the road during rush hour traffic – about 76 percent of the workforce – so the average driver only spends about 15 to 20 minutes behind the wheel.
11 percent Of workers prefer to carpool, which is a slightly larger percentage than in other parts of the state.
You have a couple of different options if you want to try saving money on your premiums by discussing your annual mileage with your insurance provider. You could try reporting it to them; maybe they’ll believe you and give you a few percentage points of a discount, or maybe they won’t.
Or maybe your provider is one of many companies who will let you plug a mileage tracker into your vehicle so that you can prove that you were driving fewer miles. You’ll also get bonus points for driving during off-peak hours and for having fewer hard brakes.
Some people can save up to 1/3 off their monthly costs this way.
Your Coverage and Deductibles
Some people like to have a low deductible on their insurance policy because they want as few barriers as possible between them and getting back on the road after an accident.
Unfortunately, this peace of mind will literally cost you in the form of higher monthly premiums. It’s up to you to decide whether or not a low or a high deductible is appropriate for you, your insurance needs, and your budget.
Education in Canton, OH
Just over 38 percent of residents in Canton have successfully earned a high school diploma (or a similar level of education). Another 15 percent have gone on to at least try college for a year or more. If you’re a Canton resident who’s thinking about trying to improve education, you have one extra reason to do it now: for car insurance discounts!
Many motorists who get some form of a higher education degree also get a non-insignificant discount off their monthly premiums. Just ask your insurance agent for more information if you don’t believe us.
If you want to take your education to the next level in Canton, you have quite a few options. You could try attending the Kent State University at Stark, or you can try attending a private university such as Malone or Brown Mackie College-North Canton.
You could also try getting more vocational training at the Aultman College of Nursing and Health Sciences or the Canton City Schools Adult Career and Technical Education Center.
Has your current insurance provider done you wrong, and now you want to find a company who won’t? Or maybe you’re just worried that you’re overpaying? Either way, we can help you solve those problems right here and now.
Just give us your zip code and we can find you accurate, competitive quotes for some of the most respected auto insurance providers in your area.
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.