Lima, OH Auto Insurance Rates
Lima, OH residents can save $360 by comparing multiple quotes & reading reviews & research on Lima car insurance rates, quotes, agents & coverage.
| Lowest | Average | Highest |
|---|---|---|
| $381 | $900 | $1458 |
Latest Auto Insurance Reviews in Lima, Ohio
State Farm
I have been with the company for years and you can't beat the price or the level of service that they provide when you need to make changed or make a claim on your policy.
I have been with the company for years and you can't beat the price or the level of service that they provide when you need to make changed or make a claim on your policy.
State Farm
I really don't know how they compare to others. Every now and then I look around but the companies that can beat them in premium costs seem a little sketchy.
I really don't know how they compare to others. Every now and then I look around but the companies that can beat them in premium costs seem a little sketchy.
Auto Owners Insurance
We have really loved auto owners for auto insurance. They have been helpful, given us a great deal, and are super accomadating as we have moved and figured out our new policies.
We have really loved auto owners for auto insurance. They have been helpful, given us a great deal, and are super accomadating as we have moved and figured out our new policies.
Esurance
The nice thing about Esurance is that they offer auto withdrawal from your bank account. I don't have to worry about paying my bill every month since it happens without me knowing.
The nice thing about Esurance is that they offer auto withdrawal from your bank account. I don't have to worry about paying my bill every month since it happens without me knowing.
Cincinnati Insurance
I insure four vehicles, all paid for, so I elect no collision coverage, which naturally keeps my premiums affordable.
I insure four vehicles, all paid for, so I elect no collision coverage, which naturally keeps my premiums affordable.
State Farm
insurance company policy offerings compared to other insurance providers is very good service in my company is most beautiful and good service company
insurance company policy offerings compared to other insurance providers is very good service in my company is most beautiful and good service company
Erie Insurance
Erie Insurance offers competitive coverage to other companies, but at a lower price for us. That is the reason we switched.
Erie Insurance offers competitive coverage to other companies, but at a lower price for us. That is the reason we switched.
Allstate
Without a doubt I would recommend all my family and friends to be part of this company that offers the best services every day
Without a doubt I would recommend all my family and friends to be part of this company that offers the best services every day
Allstate
I previously had GEICO as my auto insurance provider. I felt that I was paying higher premiums for less coverage. Allstate's coverage seems to be more fair and balanced for the premium that I pay. My collision coverage, for example, is excellent.
I previously had GEICO as my auto insurance provider. I felt that I was paying higher premiums for less coverage. Allstate's coverage seems to be more fair and balanced for the premium that I pay. My collision coverage, for example, is excellent.
Allstate
I previously had GEICO as my auto insurance provider. I felt that I was paying higher premiums for less coverage. Allstate's coverage seems to be more fair and balanced for the premium that I pay. My collision coverage, for example, is excellent.
I previously had GEICO as my auto insurance provider. I felt that I was paying higher premiums for less coverage. Allstate's coverage seems to be more fair and balanced for the premium that I pay. My collision coverage, for example, is excellent.
Allstate
The premium is high compared to some of the other insurance company offerings however they are not as well known or as big as allstate is.
The premium is high compared to some of the other insurance company offerings however they are not as well known or as big as allstate is.
Safeco Insurance
The amount of coverage I receive on my insurance is equal to other insurance companies. What sets it apart is the price I pay for the coverage. I am very satisfied.
The amount of coverage I receive on my insurance is equal to other insurance companies. What sets it apart is the price I pay for the coverage. I am very satisfied.
Allstate
Affordable insurance for me and my wife. The coverage is very good and covers everything we need. Also, roadside assistance which is a plus.
Affordable insurance for me and my wife. The coverage is very good and covers everything we need. Also, roadside assistance which is a plus.
State Farm
They did not give me accident forgiveness so my new agent is trying to get it for me
They did not give me accident forgiveness so my new agent is trying to get it for me
Chubb Group Of Insurance, Lima, OH
$181/1 month
Car Insurance Policy Holder
- Divorced 37 Years old Male licensed 14 years ago with Own Porsche Panamera Turbo used for Business with estimated annual mileage of 5,001 - 6,000.
- Bachelors & Full Time Job.
- No accidents , Issued traffic ticket previously , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $12.5K (Per Person Bodily Injury) / $25K (Per Accident Bodily Injury)
- 20 K Property Damage
- 20 K Personal Injury Protection
- 12.5 K Uninsured Motorists Bodily Injury
- 25 K Uninsured Motorists Property Damage
California Casualty, Lima, OH
$47/1 month
Car Insurance Policy Holder
- Divorced 31 Years old Male licensed 10 years ago with Leased Honda Odyssey EX-L used for Business with estimated annual mileage of 6,001 - 7,500.
- Associate, pursuing Bachelors Degree & Freelancer.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $100K (Per Person Bodily Injury) / $300K (Per Accident Bodily Injury)
- 7.5 K Property Damage
- 500 K Personal Injury Protection
- 25 K Uninsured Motorists Bodily Injury
- 50 K Uninsured Motorists Property Damage
Hartford, Lima, OH
$60/1 month
Car Insurance Policy Holder
- Single 24 Years old Male licensed 9 years ago with Financed Chevrolet, Equinox LS AWD, 4WD 4 Door Utility used for Business with estimated annual mileage of 15,001 - 20,000.
- Vocational & Part Time Job.
- No accidents , Issued traffic ticket previously , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $12.5K (Per Person Bodily Injury) / $25K (Per Accident Bodily Injury)
- 7.5 K Property Damage
- 25 K Personal Injury Protection
- 12.5 K Uninsured Motorists Bodily Injury
- 25 K Uninsured Motorists Property Damage
State Farm Auto Insurance, Lima, OH
$872/12 months
Car Insurance Policy Holder
- Divorced 24 Years old Male licensed 4 years ago with Financed Ford, Explorer XLT, 4 Door Utility 2WD used for Business with estimated annual mileage of 12,001 - 15,000.
- Bachelors & Full Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $100K (Per Person Bodily Injury) / $200K (Per Accident Bodily Injury)
- 7.5 K Property Damage
- 250 K Personal Injury Protection
- 12.5 K Uninsured Motorists Bodily Injury
- 25 K Uninsured Motorists Property Damage
Hartford, Lima, OH
$1400/12 months
Car Insurance Policy Holder
- Divorced 51 Years old Female licensed 21 years ago with Leased Lexus, LS 460 L, 4 Door Sedan used for Business with estimated annual mileage of 12,001 - 15,000.
- Lawyer & Full Time Job.
- accidents in history , No traffic tickets , No DUIs , Licence suspended previously.
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $12.5K (Per Person Bodily Injury) / $25K (Per Accident Bodily Injury)
- 25 K Property Damage
- 20 K Personal Injury Protection
- 12.5 K Uninsured Motorists Bodily Injury
- 25 K Uninsured Motorists Property Damage
California Casualty, Lima, OH
$582/12 months
Car Insurance Policy Holder
- Divorced 36 Years old Male licensed 16 years ago with Own Hyundai, Sonata Limited, 4 Door Sedan Turbo used for Commute to Work or School with estimated annual mileage of 20,001+.
- Associate & Part Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $300K (Per Person Bodily Injury) / $500K (Per Accident Bodily Injury)
- 7.5 K Property Damage
- 500 K Personal Injury Protection
- 12.5 K Uninsured Motorists Bodily Injury
- 25 K Uninsured Motorists Property Damage
Farmers Auto Insurance, Lima, OH
$653/12 months
Car Insurance Policy Holder
- Divorced 33 Years old Male licensed 7 years ago with Own Dodge, Charger SE, 4 Door Sedan used for Commute to Work or School with estimated annual mileage of 15,001 - 20,000.
- Less than High School & Freelancer.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 2 people are part of this policy
- Home and Auto insurance are from difference companies
- $50K (Per Person Bodily Injury) / $100K (Per Accident Bodily Injury)
- 20 K Property Damage
- 100 K Personal Injury Protection
- 25 K Uninsured Motorists Bodily Injury
- 50 K Uninsured Motorists Property Damage
State Farm Auto Insurance, Lima, OH
$552/12 months
Car Insurance Policy Holder
- Married 29 Years old Male licensed 14 years ago with Own Kia, Rio SX, 2WD 4 Door Sedan used for Commute to Work or School with estimated annual mileage of 12,001 - 15,000.
- PhD & Full Time Job.
- No accidents , Issued traffic ticket previously , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $100K (Per Person Bodily Injury) / $200K (Per Accident Bodily Injury)
- 20 K Property Damage
- 300 K Personal Injury Protection
- 12.5 K Uninsured Motorists Bodily Injury
- 25 K Uninsured Motorists Property Damage
Lima Car Insurance Rate Comparisons
Lima, OH's average car insurance of $900 differs from Fort Shawnee, OH (+$360), Waynesfield, OH (+$590), Uniopolis, OH (+$620) and Ohio (+$206)
| Lima | Fort Shawnee, OH | Waynesfield, OH | Uniopolis, OH | Ohio | |
| Median Insurance Rates | $900 | +$360 | +$590 | +$620 | +$206 |
Lima Car Insurance Savings By Neighborhood & Street Area
| Lima Driver Street Residence & Car Locations | Car Details in Lima | Lima Driver Demographics | Lima Auto Insurance Estimates | Recent Lima Insurance Savings |
|---|---|---|---|---|
| Other Area | ||||
| Wonnell Rd | 2005 Buick Century Custom | 17 year female teenager | $2395 | $656 |
| Townline Rd | 2007 Mazda MAZDA3 i Sport | 51 year married man | $1142 | $900 |
| Medical Dr | 2008 Ford Fusion I4 SE | 28 year man | $1397 | $459 |
| Town Line Rd | 2007 Chrysler 300 Base | 51 year married woman | $693 | $825 |
| River Line Rd | 2011 Hyundai Sonata GLS | 30 year woman | $799 | $352 |
| E Hume Rd | 2006 Chevrolet Silverado 2500HD Work Truck | 69 year senior | $1141 | $577 |
| River Rd | 2006 GMC Sierra 1500 SL2 | 17 year teenager | $2819 | $330 |
| Creps Rd | 2006 Cadillac DTS Luxury I | 66 year female senior | $1372 | $369 |
| Ream Rd | 2008 Jeep Grand Cherokee Laredo | 19 year male teenager | $2753 | $586 |
| Allen-Union-Wayne Rd | 2010 Toyota Prius III | 79 year male senior | $1051 | $851 |
Lima Post DUI Car Insurance Rates
| Lima | Spencer | Allen County | Columbus Grove | Ohio | |
| Median Post DUI Insurance Rate | $1674 | +$1171 | +$837 | +$930 | +$383 |
| Male Teenager Post DUI Insurance Rate | $5992 | +$4195 | +$2997 | +$3330 | +$1371 |
| Female Teenager Post DUI Insurance Rate | $4988 | +$3491 | +$2494 | +$2771 | +$1140 |
The Post DUI insurance in Lima, OH's is $1674 compared to Spencer (+$1171), Allen County (+$837), Columbus Grove (+$930) and Ohio (+$383)
In Lima, a male teenager with Post DUI pays $1004 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2008 Ford Fusion I4 SE in Lima, OH would pay $5572 on auto insurance while a female teenager POST DUI would pay $4638.
Lima Car Insurance by Segment
Lima Teenagers Car Insurance Rates Comparison
3115 Lima Teenagers (8% of total population), 63% Male & 37% Female.
| Lima | St. Johns | Harrod | Jennings | Ohio | |
| All Teenagers | $2934 | +$1173 | +$1956 | +$195 | +$671 |
| Male Teenager | $3222 | +$1288 | +$2148 | +$214 | +$737 |
| Female Teenager | $2682 | +$1072 | +$1788 | +$178 | +$613 |
Lima teenagers pay $2934 in insurance in contrast with St. Johns (+$1173), Harrod (+$1956), Jennings (+$195) and Ohio (+$671). The difference between Male & Female teenagers in Lima is $540
Example
- 2011 Nissan Rogue SV Male Teenager Insurance Rate $3043
- 2013 Honda Civic U.S. LX Female Teenager Insurance Rate $2392
Lima Men & Women Car Insurance
38647 Lima Adults (100% of total population), 53% Men & 47% Women.
| Lima | Vaughnsville | Cridersville | Spencer | Ohio | |
| All Women | $837 | +$502 | +$511 | +$585 | +$191 |
| Married Women | $774 | +$464 | +$473 | +$541 | +$177 |
| All Men | $1503 | +$901 | +$918 | +$1052 | +$344 |
| Married Men | $1260 | +$756 | +$770 | +$882 | +$288 |
The typical insurance rate of $1503 that Lima Men pay varies from Vaughnsville (+$901), Cridersville (+$918), Spencer (+$1052) and Ohio (+$344). In Lima, married men pay $486 more than married women.
Example
- 2010 Lincoln MKZ Married Men Insurance Rate $1220
- 2014 Kia Sorento LX Married Women Insurance Rate $1125
Lima Senior Car Insurance
6113 Lima Seniors (15% of total population), 42% Senior Men & 58% Senior Women.
| Lima | Auglaize | Allen County | Jennings | Ohio | |
| All Seniors | $1188 | +$475 | +$594 | +$79 | +$271 |
| Senior Men | $1170 | +$468 | +$585 | +$78 | +$267 |
| Senior Women | $1197 | +$478 | +$598 | +$79 | +$273 |
Lima seniors pay $1188 in insurance compared to Auglaize (+$475), Allen County (+$594), Jennings (+$79) and Ohio (+$271). In Lima, senior men pay $27 less than senior women.
Lima Car Insurance Discounts for Multiple Vehicles
Lima Population with 1 Vehicle 6229 (43% of Lima population), 2 Vehicles 4330 (30% of the Lima population) and 3 vehicles 1307 (9% of the population)
| Lima | Columbus Grove | American | Allen County | Ohio | |
| 2 Vehicles | $1710 | +$950 | +$646 | +$855 | +$392 |
| 3 Vehicles | $2610 | +$1450 | +$986 | +$1305 | +$598 |
| 4 Vehicles | $3510 | +$1950 | +$1326 | +$1755 | +$804 |
Lima Auto Insurance Rates Vary by Deductible
| Low Deductible ($500) | High Deductible ($1000) | |||||
|---|---|---|---|---|---|---|
| Make & Model | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Ford, Flex Limited | $300 | $950 | $1250 | $870 | $1170 | $80 |
| Honda, CR-V EX-L | $100 | $980 | $1080 | $910 | $1010 | $70 |
| Nissan, Altima 2.5 S | $700 | $890 | $1390 | $830 | $1530 | $-140 |
| Acura, MDX | $400 | $920 | $1320 | $850 | $1250 | $70 |
| Ford, Focus SE | $500 | $910 | $1410 | $860 | $1360 | $50 |