North Ridgeville, OH Auto Insurance (2024)
The average North Ridgeville, OH auto insurance rates are $232 per month. The minimum auto insurance in North Ridgeville is at least 25/50/25 in coverage to comply with Ohio auto insurance laws. To find the best cheap auto insurance in North Ridgeville, Ohio, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest auto insurance company in North Ridgeville is USAA
- The average commute length in North Ridgeville is 26.1 minutes
- The most expensive auto insurance company in North Ridgeville for teen drivers is Liberty Mutual
North Ridgeville, Ohio auto insurance requirements are 25/50/25 according to Ohio auto insurance laws. Finding cheap auto insurance in North Ridgeville can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in North Ridgeville, Ohio, including driving record, credit, commute time, and more.
Compare auto insurance in North Ridgeville to other Ohio cities, including Toledo auto insurance rates, Cleveland auto insurance rates, and Parma auto insurance rates to see how North Ridgeville, Ohio auto insurance rates stack up.
Before you buy North Ridgeville, Ohio auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free North Ridgeville, Ohio auto insurance quotes.
Minimum Auto Insurance in North Ridgeville, Ohio
North Ridgeville, Ohio auto insurance laws require that you have at least the Ohio minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in North Ridgeville, Ohio.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap North Ridgeville, Ohio Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in North Ridgeville, Ohio are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $1,903 | $1,891 | $1,730 | $1,847 | $5,329 | $6,089 | $1,979 | $2,100 |
| American Family | $919 | $952 | $849 | $851 | $2,992 | $3,240 | $1,142 | $1,202 |
| Farmers | $1,681 | $1,681 | $1,477 | $1,563 | $7,742 | $8,076 | $1,883 | $1,957 |
| Geico | $1,148 | $1,115 | $1,094 | $1,113 | $3,064 | $2,840 | $1,270 | $1,065 |
| Liberty Mutual | $2,532 | $2,771 | $1,940 | $2,373 | $13,157 | $14,876 | $2,695 | $2,947 |
| Nationwide | $2,112 | $2,119 | $1,912 | $1,921 | $5,500 | $7,057 | $2,258 | $2,617 |
| Progressive | $1,613 | $1,508 | $1,346 | $1,389 | $7,428 | $8,353 | $1,928 | $1,995 |
| State Farm | $1,430 | $1,430 | $1,291 | $1,291 | $4,623 | $5,805 | $1,665 | $1,908 |
| Travelers | $1,379 | $1,398 | $1,377 | $1,368 | $6,051 | $9,587 | $1,439 | $1,629 |
| USAA | $800 | $807 | $765 | $762 | $2,469 | $2,743 | $1,065 | $1,143 |
Cheap North Ridgeville, Ohio Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in North Ridgeville, Ohio is a challenge. Take a look at the annual teen auto insurance rates in North Ridgeville, Ohio.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $5,329 | $6,089 |
| American Family | $2,992 | $3,240 |
| Farmers | $7,742 | $8,076 |
| Geico | $3,064 | $2,840 |
| Liberty Mutual | $13,157 | $14,876 |
| Nationwide | $5,500 | $7,057 |
| Progressive | $7,428 | $8,353 |
| State Farm | $4,623 | $5,805 |
| Travelers | $6,051 | $9,587 |
| USAA | $2,469 | $2,743 |
Cheap North Ridgeville, Ohio Auto Insurance for Seniors
What are senior auto insurance rates in North Ridgeville, Ohio? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,730 | $1,847 |
| American Family | $849 | $851 |
| Farmers | $1,477 | $1,563 |
| Geico | $1,094 | $1,113 |
| Liberty Mutual | $1,940 | $2,373 |
| Nationwide | $1,912 | $1,921 |
| Progressive | $1,346 | $1,389 |
| State Farm | $1,291 | $1,291 |
| Travelers | $1,377 | $1,368 |
| USAA | $765 | $762 |
Cheap North Ridgeville, Ohio Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in North Ridgeville, Ohio compared to the annual auto insurance rates with a clean record in North Ridgeville, Ohio.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,393 | $2,906 | $3,420 | $2,715 |
| American Family | $1,454 | $1,540 | $1,540 | $1,540 |
| Farmers | $2,688 | $3,465 | $3,379 | $3,498 |
| Geico | $1,077 | $1,554 | $2,272 | $1,453 |
| Liberty Mutual | $4,542 | $5,836 | $5,967 | $5,299 |
| Nationwide | $2,564 | $3,248 | $4,106 | $2,830 |
| Progressive | $2,751 | $3,759 | $2,932 | $3,338 |
| State Farm | $2,205 | $2,656 | $2,430 | $2,430 |
| Travelers | $2,226 | $2,906 | $4,392 | $2,590 |
| USAA | $1,013 | $1,358 | $1,785 | $1,122 |
Cheap North Ridgeville, Ohio Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in North Ridgeville, Ohio is not easy. Compare the annual rates for DUI auto insurance in North Ridgeville, Ohio to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $3,420 |
| American Family | $1,540 |
| Farmers | $3,379 |
| Geico | $2,272 |
| Liberty Mutual | $5,967 |
| Nationwide | $4,106 |
| Progressive | $2,932 |
| State Farm | $2,430 |
| Travelers | $4,392 |
| USAA | $1,785 |
Cheap North Ridgeville, Ohio Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how North Ridgeville, Ohio annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,661 | $2,680 | $2,235 |
| American Family | $2,022 | $1,373 | $1,161 |
| Farmers | $3,675 | $3,124 | $2,974 |
| Geico | $1,901 | $1,589 | $1,276 |
| Liberty Mutual | $7,771 | $4,746 | $3,717 |
| Nationwide | $3,843 | $3,099 | $2,619 |
| Progressive | $3,570 | $3,105 | $2,910 |
| State Farm | $3,464 | $2,141 | $1,687 |
| Travelers | $3,383 | $2,947 | $2,755 |
| USAA | $1,707 | $1,214 | $1,038 |
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Cheap North Ridgeville, Ohio Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in North Ridgeville, Ohio can vary. Compare the annual cost of auto insurance by ZIP code in North Ridgeville, Ohio to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 44039 | $2,650 |
Cheap North Ridgeville, Ohio Auto Insurance Rates By Commute
Commute length and annual mileage affect North Ridgeville, Ohio auto insurance. Find the cheapest annual North Ridgeville, Ohio auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $2,859 | $2,859 |
| American Family | $1,500 | $1,537 |
| Farmers | $3,258 | $3,258 |
| Geico | $1,562 | $1,615 |
| Liberty Mutual | $5,411 | $5,411 |
| Nationwide | $3,187 | $3,187 |
| Progressive | $3,195 | $3,195 |
| State Farm | $2,369 | $2,492 |
| Travelers | $3,029 | $3,029 |
| USAA | $1,270 | $1,369 |
Cheap North Ridgeville, Ohio Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in North Ridgeville, Ohio? Check out the comparison of annual North Ridgeville, Ohio auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $2,752 | $2,852 | $2,971 |
| American Family | $1,487 | $1,530 | $1,538 |
| Farmers | $3,065 | $3,202 | $3,507 |
| Geico | $1,530 | $1,581 | $1,656 |
| Liberty Mutual | $5,193 | $5,441 | $5,601 |
| Nationwide | $3,499 | $3,091 | $2,971 |
| Progressive | $3,066 | $3,168 | $3,351 |
| State Farm | $2,294 | $2,439 | $2,558 |
| Travelers | $2,935 | $3,071 | $3,080 |
| USAA | $1,256 | $1,318 | $1,384 |
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Best By Category: Cheapest Auto Insurance in North Ridgeville, Ohio
Compare the cheapest auto insurance companies in North Ridgeville, Ohio in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | American Family |
| With 1 Speeding Violation | USAA |
The Cheapest North Ridgeville, Ohio Auto Insurance Companies
What auto insurance companies in North Ridgeville, Ohio are the cheapest? Compare the top North Ridgeville, Ohio auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $2,859 |
| American Family | $1,518 |
| Farmers | $3,258 |
| Geico | $1,589 |
| Liberty Mutual | $5,411 |
| Nationwide | $3,187 |
| Progressive | $3,195 |
| State Farm | $2,430 |
| Travelers | $3,029 |
| USAA | $1,319 |
What affects auto insurance rates in North Ridgeville, Ohio?
There are a lot of reasons why auto insurance rates in North Ridgeville, Ohio are higher or lower than in other cities. These include traffic and the number of vehicle thefts in North Ridgeville, Ohio. Many local factors may affect your North Ridgeville auto insurance rates.
North Ridgeville Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual North Ridgeville, Ohio auto theft statistics, there have been 5 auto thefts in the city.
North Ridgeville Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average North Ridgeville, Ohio commute length is 26.1 minutes according to City-Data.
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Compare North Ridgeville, Ohio Auto Insurance Quotes
Before you buy North Ridgeville, Ohio auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free North Ridgeville, Ohio auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a contract between you and an insurance company that protects you against financial loss in case of damage or theft of your vehicle. It provides coverage for medical expenses, property damage, and liability for injuries caused to others.
Is auto insurance mandatory in North Ridgeville, OH?
Yes, auto insurance is mandatory in North Ridgeville, OH, as it is in most states. Ohio law requires all drivers to carry a minimum amount of liability insurance to cover damages or injuries caused to others in an accident.
What are the minimum auto insurance requirements in North Ridgeville, OH?
The minimum auto insurance requirements in North Ridgeville, OH are as follows:
- $25,000 bodily injury liability coverage per person injured in an accident.
- $50,000 bodily injury liability coverage per accident.
- $25,000 property damage liability coverage per accident.
What is liability coverage?
Liability coverage is the portion of your auto insurance policy that pays for injuries and damages you cause to others in an accident. It includes bodily injury liability, which covers medical expenses, and property damage liability, which covers damage to someone else’s property.
What other types of auto insurance coverage are available?
In addition to liability coverage, there are several other types of auto insurance coverage available, including:
- Collision coverage: Pays for damages to your vehicle in case of a collision, regardless of fault.
- Comprehensive coverage: Covers damages to your vehicle caused by non-collision events, such as theft, vandalism, fire, or natural disasters.
- Personal injury protection (PIP): Covers medical expenses and other related costs for you and your passengers, regardless of who is at fault.
- Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages.
How are auto insurance premiums determined?
Auto insurance premiums are determined based on various factors, including your age, driving history, type of vehicle, location, credit score, and the coverage options you choose. Insurance companies use statistical data and risk assessments to calculate premiums.
Can I lower my auto insurance premiums?
Yes, there are several ways to potentially lower your auto insurance premiums, including:
- Maintaining a clean driving record.
- Choosing a higher deductible.
- Bundling your auto insurance with other policies, such as homeowners insurance.
- Installing safety features in your vehicle.
- Taking advantage of available discounts, such as good student discounts or safe driver discounts.
What should I do after an accident?
After an accident, it’s important to take the following steps:
- Ensure everyone’s safety and call emergency services if necessary.
- Exchange information with the other party involved, including contact details and insurance information.
- Document the accident scene, including taking photos of the vehicles and any damages.
- Notify your insurance company and provide them with all the necessary information.
- Cooperate with the claims process and provide any additional documentation or statements as required.
Can I add other drivers to my auto insurance policy?
Yes, you can usually add other drivers to your auto insurance policy. However, it’s important to inform your insurance company about any additional drivers and their driving history, as it may affect your premium.
How often should I review my auto insurance policy?
It’s a good idea to review your auto insurance policy annually or whenever there are significant changes in your life, such as buying a new vehicle, moving to a different location, or experiencing changes in your driving habits. Regularly reviewing your policy helps ensure that you have adequate coverage
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.