Cheap Quotes for Lodi, OH Car Insurance (2024)
Lodi, Ohio car insurance rates average $220 a month and Ohio law requires coverage of at least 25/50/25. By comparing rates from multiple Lodi, OH companies, you can find cheap Lodi car insurance quotes to fit your needs and budget.
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance 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 car insurance company in Lodi is American Family
- Lodi has an average commute time of 29.4 minutes
- Average car insurance rates in Lodi, OH are $220/month
How do the Lodi, Ohio monthly average car insurance rates of $220/month compare to nearby cities like Hamilton car insurance rates, Lorain car insurance rates, and Toledo car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Lodi, OH.
We’ll cover the Ohio minimum coverage requirements, Ohio car insurance laws, and Lodi, OH statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Lodi, Ohio companies to find the most affordable Lodi car insurance rates.
Enter your ZIP code above to find cheap Lodi, OH car insurance quotes today.
What are the minimum Lodi, OH car insurance requirements?
To meet Ohio minimum car insurance coverage requirements, Lodi, OH drivers need to carry at least 25/50/25 coverage.
| 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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How do age, gender, and marital status affect Lodi, OH car insurance rates?
Three of the criteria that most affect car insurance rates in Lodi, Ohio are age, gender, and marital status. Let’s take a look at how each of these stack up with top Lodi car insurance companies.
| 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 | $1,973 | $1,958 | $1,789 | $1,910 | $5,564 | $6,362 | $2,058 | $2,187 |
| American Family | $871 | $904 | $797 | $800 | $2,717 | $2,947 | $1,080 | $1,137 |
| Farmers | $1,708 | $1,705 | $1,503 | $1,587 | $7,667 | $7,976 | $1,912 | $1,993 |
| Geico | $1,183 | $1,151 | $1,121 | $1,137 | $3,179 | $2,953 | $1,312 | $1,106 |
| Liberty Mutual | $1,886 | $2,057 | $1,451 | $1,765 | $9,995 | $11,281 | $1,998 | $2,178 |
| Nationwide | $1,982 | $1,989 | $1,793 | $1,802 | $5,115 | $6,573 | $2,120 | $2,459 |
| Progressive | $1,634 | $1,540 | $1,363 | $1,404 | $7,240 | $8,145 | $1,959 | $2,021 |
| State Farm | $1,459 | $1,459 | $1,308 | $1,308 | $4,598 | $5,773 | $1,696 | $1,945 |
| Travelers | $1,383 | $1,404 | $1,376 | $1,369 | $6,007 | $9,520 | $1,442 | $1,640 |
| USAA | $890 | $897 | $848 | $846 | $2,751 | $3,062 | $1,189 | $1,281 |
How much do teen drivers pay for car insurance in Lodi, OH?
Lodi, Ohio car insurance rates for teens are often higher than rates for other drivers. Compare Lodi car insurance rates from multiple Lodi, Ohio car insurance companies to get the best deal.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $5,564 | $6,362 |
| American Family | $2,717 | $2,947 |
| Farmers | $7,667 | $7,976 |
| Geico | $3,179 | $2,953 |
| Liberty Mutual | $9,995 | $11,281 |
| Nationwide | $5,115 | $6,573 |
| Progressive | $7,240 | $8,145 |
| State Farm | $4,598 | $5,773 |
| Travelers | $6,007 | $9,520 |
| USAA | $2,751 | $3,062 |
How much do senior drivers pay for car insurance in Lodi, OH?
With a little research, seniors can find affordable car insurance in Lodi, Ohio. Here’s a look at how the top Lodi car insurance companies stack up.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,789 | $1,910 |
| American Family | $797 | $800 |
| Farmers | $1,503 | $1,587 |
| Geico | $1,121 | $1,137 |
| Liberty Mutual | $1,451 | $1,765 |
| Nationwide | $1,793 | $1,802 |
| Progressive | $1,363 | $1,404 |
| State Farm | $1,308 | $1,308 |
| Travelers | $1,376 | $1,369 |
| USAA | $848 | $846 |
How does coverage level affect Lodi, OH car insurance rates?
How much coverage do you need? Are you comfortable with the Ohio minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Lodi, OH car insurance rates will be. Let’s take a look.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $2,872 | $2,969 | $3,084 |
| American Family | $1,383 | $1,418 | $1,419 |
| Farmers | $3,077 | $3,204 | $3,488 |
| Geico | $1,587 | $1,635 | $1,706 |
| Liberty Mutual | $3,918 | $4,099 | $4,213 |
| Nationwide | $3,285 | $2,888 | $2,764 |
| Progressive | $3,053 | $3,139 | $3,298 |
| State Farm | $2,321 | $2,451 | $2,558 |
| Travelers | $2,924 | $3,060 | $3,069 |
| USAA | $1,402 | $1,469 | $1,541 |
How does your driving record affect Lodi, OH car insurance rates?
Safe driving pays off. The more traffic violations you have in Lodi, OH, the higher your car insurance rates will be. Compare rates based on driving infractions from top Lodi, Ohio companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,489 | $3,020 | $3,565 | $2,826 |
| American Family | $1,348 | $1,426 | $1,426 | $1,426 |
| Farmers | $2,686 | $3,461 | $3,375 | $3,504 |
| Geico | $1,113 | $1,609 | $2,345 | $1,504 |
| Liberty Mutual | $3,423 | $4,400 | $4,488 | $3,995 |
| Nationwide | $2,395 | $3,036 | $3,841 | $2,644 |
| Progressive | $2,728 | $3,708 | $2,905 | $3,312 |
| State Farm | $2,223 | $2,663 | $2,443 | $2,443 |
| Travelers | $2,222 | $2,895 | $4,371 | $2,582 |
| USAA | $1,128 | $1,513 | $1,992 | $1,249 |
How does a DUI affect Lodi, OH car insurance rates?
With even one DUI on your record, you can see an increase in your Lodi, OH car insurance rates.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,565 |
| American Family | $1,426 |
| Farmers | $3,375 |
| Geico | $2,345 |
| Liberty Mutual | $4,488 |
| Nationwide | $3,841 |
| Progressive | $2,905 |
| State Farm | $2,443 |
| Travelers | $4,371 |
| USAA | $1,992 |
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How does your credit history affect Lodi, OH car insurance rates?
Take a look at the data here to see how your Lodi, Ohio car insurance rates are affected by your credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,814 | $2,788 | $2,324 |
| American Family | $1,873 | $1,272 | $1,075 |
| Farmers | $3,682 | $3,118 | $2,969 |
| Geico | $1,967 | $1,643 | $1,319 |
| Liberty Mutual | $5,830 | $3,587 | $2,813 |
| Nationwide | $3,592 | $2,897 | $2,449 |
| Progressive | $3,553 | $3,070 | $2,867 |
| State Farm | $3,482 | $2,152 | $1,696 |
| Travelers | $3,373 | $2,936 | $2,744 |
| USAA | $1,907 | $1,352 | $1,153 |
How does your commute affect Lodi, OH car insurance rates?
Lodi, OH car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Ohio can be seen here. Remember, though, that you may have to carry substantially more car insurance in Lodi if you’re financing.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $2,975 | $2,975 |
| American Family | $1,390 | $1,423 |
| Farmers | $3,256 | $3,256 |
| Geico | $1,615 | $1,670 |
| Liberty Mutual | $4,077 | $4,077 |
| Nationwide | $2,979 | $2,979 |
| Progressive | $3,163 | $3,163 |
| State Farm | $2,382 | $2,504 |
| Travelers | $3,018 | $3,018 |
| USAA | $1,414 | $1,527 |
Who has the cheapest Lodi, OH car insurance rates?
Here’s a breakdown of Lodi, Ohio car insurance rates by company. You can see which company offers the cheapest Lodi car insurance rates in each category.
| Category | Insurance Company |
|---|---|
| Teenagers | American Family |
| Seniors | American Family |
| Clean Record | Geico |
| With 1 Accident | American Family |
| With 1 DUI | American Family |
| With 1 Speeding Violation | USAA |
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What are the top Lodi, OH car insurance companies?
Which Lodi, Ohio car insurance company will best fit your needs and budget? Check out this comparison of the top Lodi companies to find the one for you.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $2,975 |
| American Family | $1,407 |
| Farmers | $3,256 |
| Geico | $1,643 |
| Liberty Mutual | $4,077 |
| Nationwide | $2,979 |
| Progressive | $3,163 |
| State Farm | $2,443 |
| Travelers | $3,018 |
| USAA | $1,470 |
What factors affect Lodi, OH car insurance rates?
Why are Lodi, Ohio car insurance rates different than rates in Hamilton or Lorain? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.
How long is the average commute in Lodi, OH?
More time spent behind the wheel can lead to higher Lodi, Ohio car insurance rates. In Lodi, OH, the average commute length is 29.4 minutes.
What is the traffic like in Lodi, OH
Like commute length, time spent in traffic also increase risk of accidents. Lodi, OH is listed as 464th in INRIX congested cities data.
Car Insurance Quotes for Lodi, OH
Shop for affordable Lodi, Ohio car insurance rates today. Enter your ZIP code to compare quotes from multiple Lodi, OH car insurance companies.
Compare quotes from the top car insurance companies and save
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.