Cheap Quotes for Cardington, OH Car Insurance (2021)

Cardington, Ohio car insurance rates average $225 a month and Ohio law requires coverage of at least 25/50/25. By comparing rates from multiple Cardington, OH companies, you can find cheap Cardington car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 14, 2022

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Things to Know

  • The cheapest car insurance company in Cardington is USAA
  • Average car insurance rates in Cardington, OH are $225/month
  • Cardington has an average commute time of 30.3 minutes

How do the Cardington, Ohio monthly average car insurance rates of $225/month compare to nearby cities like Lorain car insurance rates, Toledo car insurance rates, and Dayton car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Cardington, OH.

We’ll cover the Ohio minimum coverage requirements, Ohio car insurance laws, and Cardington, OH statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Cardington, Ohio companies to find the most affordable Cardington car insurance rates.

Enter your ZIP code above to find cheap Cardington, OH car insurance quotes today.

What are the minimum Cardington, OH car insurance requirements?

To meet Ohio minimum car insurance coverage requirements, Cardington, OH drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Cardington, 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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How do age, gender, and marital status affect Cardington, OH car insurance rates?

Three of the criteria that most affect car insurance rates in Cardington, Ohio are age, gender, and marital status. Let’s take a look at how each of these stack up with top Cardington car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cardington, Ohio

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 $2,026 $2,022 $1,822 $1,949 $5,544 $6,343 $2,137 $2,287
American Family $936 $973 $847 $853 $2,771 $3,013 $1,153 $1,215
Farmers $1,717 $1,712 $1,512 $1,594 $7,561 $7,857 $1,925 $2,012
GEICO $1,322 $1,284 $1,232 $1,237 $3,519 $3,281 $1,469 $1,252
Liberty Mutual $1,917 $2,093 $1,477 $1,795 $9,894 $11,176 $2,043 $2,233
Nationwide $2,108 $2,122 $1,900 $1,918 $5,290 $6,843 $2,263 $2,640
Progressive $1,592 $1,508 $1,327 $1,367 $6,878 $7,747 $1,906 $1,966
State Farm $1,571 $1,571 $1,406 $1,406 $4,921 $6,176 $1,826 $2,098
Travelers $1,463 $1,487 $1,446 $1,438 $6,172 $9,702 $1,522 $1,756
USAA $881 $888 $840 $838 $2,730 $3,038 $1,177 $1,268

How much do teen drivers pay for car insurance in Cardington, OH?

Cardington, Ohio car insurance rates for teens are often higher than rates for other drivers. Compare Cardington car insurance rates from multiple Cardington, Ohio car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Cardington, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,544 $6,343
American Family $2,771 $3,013
Farmers $7,561 $7,857
GEICO $3,519 $3,281
Liberty Mutual $9,894 $11,176
Nationwide $5,290 $6,843
Progressive $6,878 $7,747
State Farm $4,921 $6,176
Travelers $6,172 $9,702
USAA $2,730 $3,038

How much do senior drivers pay for car insurance in Cardington, OH?

With a little research, seniors can find affordable car insurance in Cardington, Ohio. Here’s a look at how the top Cardington car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Cardington, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,822 $1,949
American Family $847 $853
Farmers $1,512 $1,594
GEICO $1,232 $1,237
Liberty Mutual $1,477 $1,795
Nationwide $1,900 $1,918
Progressive $1,327 $1,367
State Farm $1,406 $1,406
Travelers $1,446 $1,438
USAA $840 $838

How does coverage level affect Cardington, 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 Cardington, OH car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Cardington, Ohio

Insurance Company Low Medium High
Allstate $2,923 $3,011 $3,115
American Family $1,453 $1,482 $1,476
Farmers $3,070 $3,189 $3,449
GEICO $1,771 $1,817 $1,886
Liberty Mutual $3,927 $4,098 $4,211
Nationwide $3,466 $3,040 $2,901
Progressive $2,922 $3,011 $3,177
State Farm $2,498 $2,630 $2,738
Travelers $3,053 $3,162 $3,154
USAA $1,392 $1,456 $1,524

How does your driving record affect Cardington, OH car insurance rates?

Safe driving pays off. The more traffic violations you have in Cardington, OH, the higher your car insurance rates will be. Compare rates based on driving infractions from top Cardington, Ohio companies.

Annual Cardington, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,543 $3,068 $3,585 $2,870
American Family $1,409 $1,491 $1,491 $1,491
Farmers $2,669 $3,436 $3,351 $3,488
GEICO $1,244 $1,788 $2,571 $1,695
Liberty Mutual $3,431 $4,393 $4,493 $3,997
Nationwide $2,508 $3,197 $4,062 $2,776
Progressive $2,622 $3,548 $2,792 $3,184
State Farm $2,388 $2,856 $2,622 $2,622
Travelers $2,305 $2,997 $4,513 $2,678
USAA $1,119 $1,500 $1,972 $1,239

How does a DUI affect Cardington, OH car insurance rates?

With even one DUI on your record, you can see an increase in your Cardington, OH car insurance rates.

Annual Car Insurance Rates After a DUI in Cardington, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,585
American Family $1,491
Farmers $3,351
GEICO $2,571
Liberty Mutual $4,493
Nationwide $4,062
Progressive $2,792
State Farm $2,622
Travelers $4,513
USAA $1,972

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How does your credit history affect Cardington, OH car insurance rates?

Take a look at the data here to see how your Cardington, Ohio car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Cardington, Ohio

Insurance Company Poor Fair Good
Allstate $3,874 $2,818 $2,357
American Family $1,947 $1,334 $1,130
Farmers $3,664 $3,096 $2,949
GEICO $2,187 $1,824 $1,462
Liberty Mutual $5,844 $3,581 $2,810
Nationwide $3,783 $3,049 $2,575
Progressive $3,422 $2,944 $2,744
State Farm $3,737 $2,309 $1,820
Travelers $3,497 $3,038 $2,835
USAA $1,890 $1,340 $1,143

How does your commute affect Cardington, OH car insurance rates?

Cardington, 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 Cardington if you’re financing.

Annual Car Insurance Rates by Commute Length in Cardington, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,016 $3,016
American Family $1,453 $1,488
Farmers $3,236 $3,236
GEICO $1,792 $1,857
Liberty Mutual $4,079 $4,079
Nationwide $3,136 $3,136
Progressive $3,036 $3,036
State Farm $2,557 $2,686
Travelers $3,123 $3,123
USAA $1,402 $1,513

Who has the cheapest Cardington, OH car insurance rates?

Here’s a breakdown of Cardington, Ohio car insurance rates by company. You can see which company offers the cheapest Cardington car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Cardington, Ohio

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident American Family
With 1 DUI American Family
With 1 Speeding Violation USAA

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What are the top Cardington, OH car insurance companies?

Which Cardington, Ohio car insurance company will best fit your needs and budget? Check out this comparison of the top Cardington companies to find the one for you.

Average Annual Car Insurance Rates by Company in Cardington, Ohio

Insurance Company Average Annual Rates
Allstate $3,016
American Family $1,470
Farmers $3,236
GEICO $1,824
Liberty Mutual $4,079
Nationwide $3,136
Progressive $3,036
State Farm $2,622
Travelers $3,123
USAA $1,458

What factors affect Cardington, OH car insurance rates?

Why are Cardington, Ohio car insurance rates different than rates in Lorain or Toledo? 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 Cardington, OH?

More time spent behind the wheel can lead to higher Cardington, Ohio car insurance rates. In Cardington, OH, the average commute length is 30.3 minutes.

Car Insurance Quotes for Cardington, OH

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