Cheap Quotes for Lodi, OH Car Insurance (2021)

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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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 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.

Minimum Required Car Insurance Coverage in Lodi, 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 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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lodi, 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 $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.

Annual Car Insurance Rates for Teen Drivers in Lodi, Ohio

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.

Annual Car Insurance Rates for Senior Drivers in Lodi, Ohio

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.

Annual Car Insurance Rates by Coverage Level in Lodi, Ohio

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.

Annual Lodi, Ohio Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates After a DUI in Lodi, Ohio

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.

Annual Car Insurance Rates by Credit Score in Lodi, Ohio

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.

Annual Car Insurance Rates by Commute Length in Lodi, Ohio

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.

Best Annual Car Insurance Rates by Company in Lodi, Ohio

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.

Average Annual Car Insurance Rates by Company in Lodi, Ohio

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

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