Best Akron, OH Auto Insurance in 2024
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Nov 11, 2024
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Akron has a long history of industrial success in the US. It has long been known as a focal point for the American rubber industry, and is especially famous for automotive tire production. In keeping with Akron’s history of innovation, it is home to the National Inventor’s Hall of Fame as well as a leader in polymer research and engineering. Akron is also responsible for LeBron James, Devo, and the All-American Soap Box Derby.
- Fun fact: Where is that guy from? Because Akron is #2 on the list of “Top 101 zip codes with the largest percentage of Lebanese first ancestries”. Read up on Akron by visiting here.
Auto Insurance Coverage Requirements in Ohio
Driving legally in Akron requires:
| Coverage | Requirements | Most Common |
| Bodily Injury Liability | 12,500/25,000 | 100,000/300,000 |
| Property Damage Liability | 7,500 | 100,000 |
| Uninsured Motorist Bodily Injury | Not required | 100,000/300,000 |
| Medical Payments | Not required | 5,000 |
| Collision | Not required | 500 deductible |
| Comprehensive | Not required | 0 deductible |
Ohio’s minimum Liability coverage requirements are some of the lowest in the country, which should make purchasing the state minimum coverage much more affordable. However, this type of coverage might not be enough to cover new or expensive vehicles.
Living and driving in Ohio means that the average motorist is probably paying around $77 each month to maintain their coverage. However, Akron drivers can take advantage of some great deals right now and get quotes as low as $32/mo*! You can learn more about Ohio automotive insurance here.
Ohio Mutual and State Farm are offering some of the lowest premiums in Akron right now. But are they also offering the best customer service? Will they make good on claims quickly and efficiently? These are important questions to ask before you think about switching carriers.
Auto insurance carriers consider various elements when establishing quotes, especially marital status, where you live, type of vehicle owned, years of driving experience, and current insurance coverage and limits. Also keep in mind that premiums could vary from provider to provider. To verify you are still getting the most affordable rate, do a comparison of cheap Akron auto insurance estimates online.
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Major Car Insurance Factors in Akron
There are numerous ways that your car insurance rate can be calculated. But not all of it is out of your control; there are steps you can take in order to control which discounts you are eligible to obtain. The following are some of these elements in greater detail:
Your Zip code
Cheap car insurance is normally associated with towns which have a smaller population density. Since there are a lesser number of cars cruising the road, there are a lot fewer chances to get involved in a serious crash with a different individual. The populace of Akron is 198,100 and also the normal family earnings are $34,300.
Automotive Accidents
The safety of the roads where you live can have a significant impact on your monthly rate. If accidents are high in your area, your insurance provider will likely raise rates for all drivers in a given city. If you’re concerned about the numbers in the chart below, contact your local agent to see if you qualify for any Safe Driver or other similar discounts.
Auto Thefts in Akron
Acquiring low-cost auto insurance can be challenging should you be vulnerable to auto theft. Some popular vehicle models are alluring to thieves, in addition to automobiles which are parked typically in huge urban centers. The total number of thieved cars in 2013 was 631 for the city of Akron. Comprehensive coverage is the only policy addition which can protect you from theft – but it will raise your monthly rates.
Your Credit Score
Some companies, such as Nationwide or The General in the chart below, will give drivers with poor credit a bit of a break on their monthly premiums. However, most companies will charge you at least double (if not more) versus drivers with excellent credit.
Age
Some companies feel that young drivers, with their lack of driving experience, are very risky to cover. This is why they get charged so much more than someone who is older. And some companies, like Ohio Mutual or The General, feel that they are too risky to cover at all.
Your Driving Record
Having driving violations on your record will undoubtedly raise your rates. But how much it raises them will vary depending on the violation. Lesser accidents and speeding tickets won’t pack as hard of a punch as reckless driving or a DUI. And sometimes, you can get your lesser violations waived with an Accident Forgiveness discount.
Your Vehicle
The purpose if automotive insurance is to make sure that, if you are ever in an accident, you have a financial resource to help you get back on your feet and back on the road as quickly as possible. And if you’re covering an expensive vehicle with only the bare minimum state required coverage, and you have to pay for everything else from your own wallet, it’s going to take you a very long time to replace it or repair damages.
Minor Car Insurance Factors in Akron
Below are lesser factors which may or might not influence your monthly premium. When put together, however, their influence might not be so minor:
Your Marital Status
Married drivers have the option of bundling their insurance policies together. And, in exchange for giving your insurance provider that much more business, they usually reward drivers in kind with bundling discounts.
Your Gender
Insurance companies can’t seem to make up their minds when it comes to gender. Some companies charge more for males, while others charge females more. Some don’t even charge different rates based on gender at all.
Your Driving Distance to Work
While the average commute time for Akron is officially 15-20 minutes, a shorter commute of 10-15 minutes might be familiar to some. 79% of drivers will be using their own automobile by themselves in order to get to and from work, while approximately 8% will carpool.
You’d think that driving fewer miles per year would get you some pretty substantial discounts. Unfortunately, that isn’t the case. You’d have to slash your yearly mileage by the thousands just to get a 4-5% discount, at most.
Your Coverage and Deductibles
Adjusting your deductible involves a lot of risk, with a potential reward. Raising your deductible could get you some nice discounts on your monthly premium – however, in the event that you do need to file a claim, you will have to pony up more cash in the beginning.
Education in Akron, OH
A substantial 35% of the population of Akron has achieved a high school diploma or an acceptable equivalent, while an additional 20% have yet to complete their high school education. If you are in this majority, you should know that furthering your education won’t just give you better career prospects: it will also earn you lower rates on your car insurance.
Akron is home to the University of Akron and its loveable mascot, Zippy the Kangaroo. The student body is nearly 25,000 strong, and students pursue over 300 different undergraduate and graduate degrees annually. UA also has a doctoral program and a law school. For a more specialized education, prospective students can also look into the Wooster Business College, the Academy of Court Reporting, or the Stafford Flight Academy.
Obtaining inexpensive automobile insurance could be a headache. There’s a lot of information you need to take into account, and understanding exactly how insurance providers assess your prospective risk can be complex. But try not to permit the wrong insurance agency talk you into buying the wrong policy.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
Sources:
Ohio Department of Insurance
Division of Financial Institutions – Ohio Department of Commerce
Department of Highway Safety and Motor Vehicles
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