Car insurance in Elyria for an adult with a clean driving record and good insurance score costs $918 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Some ZIP codes have much more auto theft than other areas. Insurers will thus charge higher premiums in those zip codes because the risk of loss is much higher. Other ZIP codes have a lot more car wrecks and the insurance company will charge higher premiums to cover the risk,” says James Brau, professor of finance at Brigham Young University. “Imagine a densely-crowded ZIP code where a lot of folks are driving versus a code out in a rural area where you hardly ever see another car. The odds of more wrecks and thefts are higher where there are a ton of vehicles — it becomes a statistics exercise.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Elyria by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Elyria.

Key Highlights
  • Car insurance in Elyria is cheaper than car insurance in Ohio for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Elyria is $918 per year or $76 per month.
  • In Elyria, Nationwide offers the cheapest full coverage car insurance at $49 per month.
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Written by:
Katrina Raenell
Contributing Researcher
Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.
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Reviewed by:
Laura Longero
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Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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What is the average cost of car insurance in Elyria, OH?

The average auto insurance rates in Elyria, OH at various coverage levels are listed below:

  • State minimum: $307 per year
  • Liability-only coverage (50/100/50): $368 per year
  • Full coverage (100/300/100): $918 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

CompanyState MinimumLiability OnlyFull Coverage
Nationwide$289$349$585
Geico$230$277$621
Auto-Owners$235$288$813
Travelers$356$447$858
Erie Insurance$220$268$862
USAA$195$244$862
State Farm$258$313$867
American Family$383$437$960
Progressive$329$426$1,097
Farmers$477$551$1,194
Allstate$406$450$1,375

Note:

  • State Minimum: State minimum liability only
  • Liability Only: 50/100/50 liability only
  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Elyria, OH?

Out of all the carriers available in Elyria, Nationwide offers the cheapest full coverage car insurance at $49 per month.

The second-cheapest car insurance company in Elyria is Geico, offering car insurance at $52 monthly.

Cheapest CompanyFull Coverage Monthly Rates
Nationwide$49
Geico$52
Auto-Owners$68
Travelers$72
Erie Insurance$72
USAA$72
State Farm$72
American Family$80
Progressive$91
Farmers$100
Allstate$115

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Elyria, OH?

Car insurance is more expensive for high-risk drivers. A high-risk driver in Ohio is considered as such because they have:

  • Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
  • An injury or a high-cost accident in the last three- to five-year period
  • A DUI conviction
  • A teen/inexperienced driver on their policy
  • A high-performance sports car
  • A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
  • A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Elyria, OH

See the average annual premium for drivers with two speeding tickets on their records in Elyria, OH in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
Nationwide$70
State Farm$80
American Family$84
USAA$84
Geico$86
Auto-Owners$89
Erie$96
Travelers$120
Progressive$131
Allstate$151
Farmers$168

Note:

  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Elyria, OH

See the average annual premium for a driver convicted of DUI in Elyria, OH in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
State Farm$80
American Family$84
USAA$85
Nationwide$92
Progressive$105
Erie$115
Geico$117
Travelers$117
Auto-Owners$134
Farmers$146
Allstate$156

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Elyria, OH

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Elyria, OH, by age

Age is a key factor when considering car insurance rates in most cities, including Elyria – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

AgeCheapest CompanyFull Coverage Monthly Rates
16Allstate$445
16American Family$332
16Auto-Owners$266
16Geico$243
16Erie Insurance$247
16Farmers$855
16Nationwide$213
16Progressive$623
16State Farm$299
16Travelers$390
16USAA$290
17Allstate$359
17American Family$270
17Auto-Owners$238
17Geico$186
17Erie Insurance$244
17Farmers$574
17Nationwide$213
17Progressive$623
17State Farm$263
17Travelers$286
17USAA$203
18Allstate$283
18American Family$223
18Auto-Owners$210
18Geico$158
18Erie Insurance$200
18Farmers$509
18Nationwide$199
18Progressive$569
18State Farm$231
18Travelers$228
18USAA$169
19Allstate$204
19American Family$188
19Auto-Owners$184
19Geico$132
19Erie Insurance$190
19Farmers$267
19Nationwide$171
19Progressive$290
19State Farm$202
19Travelers$180
19USAA$146
20Allstate$188
20American Family$161
20Auto-Owners$164
20Geico$117
20Erie Insurance$182
20Farmers$241
20Nationwide$139
20Progressive$253
20State Farm$177
20Travelers$152
20USAA$130
21Allstate$164
21American Family$140
21Auto-Owners$142
21Geico$93
21Erie Insurance$132
21Farmers$190
21Nationwide$87
21Progressive$183
21State Farm$150
21Travelers$128
21USAA$119
22Allstate$153
22American Family$123
22Auto-Owners$128
22Geico$80
22Erie Insurance$122
22Farmers$177
22Nationwide$77
22Progressive$160
22State Farm$134
22Travelers$115
22USAA$112
23Allstate$147
23American Family$110
23Auto-Owners$113
23Geico$76
23Erie Insurance$116
23Farmers$164
23Nationwide$72
23Progressive$145
23State Farm$118
23Travelers$104
23USAA$106
24Allstate$141
24American Family$100
24Auto-Owners$104
24Geico$71
24Erie Insurance$79
24Farmers$157
24Nationwide$68
24Progressive$131
24State Farm$108
24Travelers$96
24USAA$100
25Allstate$149
25American Family$92
25Auto-Owners$96
25Geico$68
25Erie Insurance$88
25Farmers$119
25Nationwide$57
25Progressive$116
25State Farm$94
25Travelers$84
25USAA$96
30Allstate$129
30American Family$89
30Auto-Owners$68
30Geico$54
30Erie Insurance$80
30Farmers$110
30Nationwide$50
30Progressive$105
30State Farm$74
30Travelers$81
30USAA$79
35Allstate$117
35American Family$85
35Auto-Owners$68
35Geico$53
35Erie Insurance$76
35Farmers$103
35Nationwide$50
35Progressive$99
35State Farm$72
35Travelers$79
35USAA$75
40Allstate$115
40American Family$80
40Auto-Owners$68
40Geico$52
40Erie Insurance$72
40Farmers$100
40Nationwide$49
40Progressive$91
40State Farm$72
40Travelers$72
40USAA$72
45Allstate$112
45American Family$77
45Auto-Owners$66
45Geico$51
45Erie Insurance$69
45Farmers$96
45Nationwide$48
45Progressive$90
45State Farm$72
45Travelers$71
45USAA$69
50Allstate$111
50American Family$74
50Auto-Owners$63
50Geico$54
50Erie Insurance$68
50Farmers$92
50Nationwide$47
50Progressive$85
50State Farm$71
50Travelers$71
50USAA$66
55Allstate$108
55American Family$72
55Auto-Owners$61
55Geico$53
55Erie Insurance$66
55Farmers$88
55Nationwide$44
55Progressive$82
55State Farm$68
55Travelers$65
55USAA$64
60Allstate$107
60American Family$72
60Auto-Owners$61
60Geico$53
60Erie Insurance$68
60Farmers$86
60Nationwide$43
60Progressive$82
60State Farm$67
60Travelers$66
60USAA$63
65Allstate$105
65American Family$75
65Auto-Owners$64
65Geico$53
65Erie Insurance$71
65Farmers$95
65Nationwide$46
65Progressive$86
65State Farm$66
65Travelers$71
65USAA$66
70Allstate$115
70American Family$81
70Auto-Owners$72
70Geico$56
70Erie Insurance$74
70Farmers$108
70Nationwide$51
70Progressive$97
70State Farm$70
70Travelers$77
70USAA$72
75Allstate$126
75American Family$92
75Auto-Owners$82
75Geico$62
75Erie Insurance$84
75Farmers$119
75Nationwide$58
75Progressive$122
75State Farm$76
75Travelers$88
75USAA$81

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Elyria, OH, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Cheapest CompanyFull Coverage Monthly Rates with Bad Credit
Nationwide$69
Geico$77
USAA$105
Travelers$125
American Family$140
Progressive$159
State Farm$164
Farmers$167
Erie Insurance$168
Allstate$177
Auto-Owners$191

Final thoughts: Car insurance cost in Elyria, OH

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Elyria, OH. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Elyria, Ohio.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

Laura Longero

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Laura Longero

Executive Editor

Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.

John McCormick

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John McCormick

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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Executive Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Researcher

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.