Best Auto Insurance Rates in Akron, Ohio
On average your neighbors pay $58 a month.
Compare Auto Insurance in Akron
Akron, Ohio is the birthplace of LeBron James, the K-12 school system, and Goodyear Tires. Nowadays, Akron consists of 24 unique neighborhoods, as well as a number of suburbs. Whichever part of Akron you call home, you deserve cheap car insurance rates.
Average Akron Car Insurance Rates
How much is car insurance in Akron, OH? While average car insurance rates in Ohio are well below the national average, Akron's urban driving and living conditions combine to keep rates high. The average cost of auto insurance in Ohio is $702.59 a year. The national average cost is $889.01.
Prices may vary depending on your driving history, type of car, and the total number of insurance claims filed your zip code.
| Coverage | Rates |
|---|---|
| Liability | $388.88 |
| Collision | $260.20 |
| Comprehensive | $117.58 |
| Total Cost Per Year | $702.59 |
| Price Per Month | $58.54 |
| Source: Facts + Statistics: Auto insurance | |
The graph below shows the change in average Ohio insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Ohio car insurance rates increased from $619 in 2011 to $702 in 2015, a jump of $82, or 13.37 percent.
QuoteWizard helps Akron residents compare car insurance quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Akron, Ohio and save up to 40% on your insurance premium.
Last year, 7,554 people used QuoteWizard to compare auto insurance quotes in Akron, OH from multiple companies.
Best Car Insurance Companies in Akron, OH
This is our list of the most common car insurance companies reported by QuoteWizard users living in Akron, Ohio last year. Only 470 of these users did not have insurance at the time they requested a quote.
Other popular Akron, Ohio car insurance companies: Safeco, Erie, Travelers, MetLife, USAA, Country Financial, Hartford, and General Accident Insurance.
Top 10 Vehicles
These are the most common car makes and models owned by Akron, OH drivers requesting quotes through QuoteWizard last year.
- Buick Rendezvous CX/CXL
- Ford F150
- Chevrolet Impala LS
- Chevrolet Cavalier
- Ford Taurus SE
- Chevrolet Blazer
- Chevrolet Malibu LS
- Hyundai Sonata GLS
- Ford Ranger
- Kia Soul
Minimum Car Insurance Requirements in Akron, OH
Akron, Ohio drivers are required to maintain minimum liability coverage known as the 25/50/25 rule. This rule states that each policy must include at least:
- Individual Bodily Injury Liability (BIL): $25,000.
The total amount insurance companies will pay for an individual person injured in a car accident. - Total Bodily Injury Liability: $50,000.
The maximum your insurance company will pay in total for every person injured in a car accident. - Property Damage Liability (PDL): $25,000.
The most your insurer will pay for property damage caused by a car accident.
Akron Drivers
Akron drivers scored better than drivers did from most US cities in a report published by Allstate Insurance. Akron ranked 40th out of 200 cities for safe driving. While most US drivers go ten years without having an accident, drivers here also go ten years between accidents. Only 185 of the 7,303 Akron drivers that used QuoteWizard last year reported incidents on their driving records.
Driving Conditions
Several factors that affect insurance rates are the weather and road conditions.
Weather
Like most Midwest cities, Akron is hot in the summer and cold in the winter. Akron may not receive the heavy snowfall seen in cities closer to Lake Erie, but it still gets a solid 47.5 inches of snow a year. It stays cold enough in the winter for ice to create problems for commuters from December through February. Akron also gets its fair share of rainfall, 39.62 inches a year. This means drivers face slick road conditions any time of year.
Road Conditions
According to a recent study by TRIP, 50% of the major roads in Akron are in poor condition and 21% are mediocre. Poorly maintained, pothole-filled streets costs drivers $797 a year in extra vehicle operating costs.
Traffic Congestion
Recent transportation projects have done a lot to alleviate the traffic woes Akron drivers have suffered for years. Unfortunately, as the economy improves, and funding for new projects dries up, congestion will worsen as new drivers arrive.
Moving Violations
Moving violations such as failure to stop, drunk driving, speeding tickets, and accidents can add points to your driver's license. You could end up with a bad driving record and need to purchase a high-risk auto insurance policy.
Traffic Tickets
The Akron Municipal Court website allows you to pay traffic citations, tells drivers how to contest tickets, and provides helpful traffic court information.
Akron Municipal court filed 21,264 traffic cases in 2014.
OVI's Enforcements
Getting a DUI or DWI can cause all kinds of problems, especially increasing your car insurance rates. After your rates go up, legal and financial woes can stick around for months.
Summit County reported 144 OVI enforcement stops last year.
SR-22 OVI Insurance
An OVI conviction may require you to obtain an SR-22 form. Request a quote and we will connect you with local agents from top companies that specialize in Akron OVI insurance.
Traffic Fatalities
Akron experienced 14 deaths in motor vehicle crashes in 2014. This works out to a fatality rate of 0.50 per 100,000 residents. All traffic deaths are a tragic loss, and considering Akron’s estimated population of 197,846 this city ranks among the nation's safest in terms of traffic fatalities per capita.
Vehicle Theft Rates
Akron reported 607 vehicle thefts in 2016. That's a rate of 3.07 per 1,000 residents and well above the national rate of 2.20 thefts per 1,000 people.
Car Insurance Discounts
If you want to find affordable car insurance, discounts are one of the best ways to lower your insurance rates. Below are only some of the car insurance discounts available to drivers in Akron, OH. Get a free quote to find out which discounts you may qualify for.
- Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 20% off your premium
- Get a new car with advanced safety features like electronic stability control or anti-lock brakes. If the car has anti-theft devices or a car alarm system you can save even more
- Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
- Study hard in school and maintain at least a B grade point average to qualify for the good student discount
- Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
- Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
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