How much does car insurance cost in Parma, OH? Check out the average rates that drivers pay below.
Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Ohio has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Parma typically pay around $98.18 per month compared to the national average of $167.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.
Area | Average Monthly Rate |
---|---|
National | $167.68 |
Ohio | $99.47 |
Parma, Ohio | $98.18 |
Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Direct Auto generally has the most affordable car insurance in Parma coming in around $40.52 per month. Other companies to consider if you live in Parma is Clearcover with an average cost of $67.29 per month and USAA which typically runs around $74.25 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Parma.
Rank | Company | Average Monthly Rate | Comparison State Average |
---|---|---|---|
1 | Direct Auto | $40.52 | -59.27% |
2 | Clearcover | $67.29 | -32.36% |
3 | USAA | $74.25 | -25.36% |
4 | Buckeye Insurance Group | $82.05 | -17.52% |
5 | State Farm | $82.47 | -17.09% |
6 | Auto-Owners Insurance Co | $85.36 | -14.19% |
7 | Safeco | $86.23 | -13.32% |
8 | American Family | $89.29 | -10.24% |
9 | Central Mutual Insurance Co | $94.31 | -5.19% |
10 | Erie | $96.55 | -2.94% |
Rates can vary from city to city. The residents of Akron typically pay $106.93 per month while people who live in Canton will pay $97.38 per month on average. See what people pay for car insurance in other cities in Ohio.
Ohio Cities | Monthly Average Rate |
---|---|
Akron | $106.93 |
Canton | $97.38 |
Cincinnati | $113.91 |
Cleveland | $115.30 |
Columbus | $114.60 |
Dayton | $96.41 |
Groveport | $141.70 |
Hamilton | $94.10 |
Lima | $89.67 |
Mansfield | $82.31 |
Marion | $76.20 |
Parma | $98.18 |
Springfield | $85.82 |
Toledo | $112.27 |
Warren | $83.58 |
Youngstown | $99.95 |
Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Ohio. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.
Parma, OH ZIP Code | Average Monthly Rate |
---|---|
44134 | $97.87 |
44129 | $100.04 |
44130 | $91.36 |
Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $117.19 per month in Parma. Compare that to drivers in their 30’s who typically pay around $86.27 per month drivers in their 40s at $83.33 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.
Age Group | Average Monthly Rate |
---|---|
20s | $117.19 |
50s | $76.89 |
30s | $86.27 |
70+ | $83.33 |
16-19 | $227.20 |
40s | $86.05 |
60s | $67.61 |
If you are teen in Parma you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, SafeAuto typically charges around $134.17 per month. This is likely the most affordable option in Parma. You might also want to consider USAA and Central Mutual Insurance Co who also offer good affordable policies for teen drivers.
Company | Average Monthly Rate |
---|---|
SafeAuto | $134.17 |
USAA | $148.00 |
Central Mutual Insurance Co | $150.19 |
Auto-Owners Insurance Co | $184.08 |
American Family | $189.31 |
20 year-olds in Parma might want to consider Direct Auto who, on average, offers car insurance rates around $40.52 per month. USAA , Auto-Owners Insurance Co , State Farm and Grange Mutual are also in the top 5 cheapest rates available.
Company | Average Monthly Rate |
---|---|
Direct Auto | $40.52 |
USAA | $82.00 |
Auto-Owners Insurance Co | $92.42 |
State Farm | $93.95 |
Grange Mutual | $95.52 |
If you are in your 30s in Parma our research has found that Buckeye Insurance Group typically has the most affordable coverage coming in around $52.82 per month, followed by USAA at $66.69 and State Farm at $67.97.
Company | Average Monthly Rate |
---|---|
Buckeye Insurance Group | $52.82 |
USAA | $66.69 |
State Farm | $67.97 |
Clearcover | $70.74 |
Auto-Owners Insurance Co | $71.37 |
On average, Clearcover offers car insurance for 40 year-olds in Parma for around $54.22 per month. If you are looking for affordable coverage, you may also want to consider Buckeye Insurance Group or USAA. The full list of top companies is below.
Company | Average Monthly Rate |
---|---|
Clearcover | $54.22 |
Buckeye Insurance Group | $54.34 |
USAA | $54.86 |
State Farm | $63.72 |
Auto-Owners Insurance Co | $66.57 |
Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Parma we found that USAA generally offers the most affordable coverage at $63.67 per month.
Company | Average Monthly Rate |
---|---|
USAA | $63.67 |
Buckeye Insurance Group | $63.83 |
State Farm | $71.88 |
Frankenmuth Mutual | $77.13 |
Grange Mutual | $78.27 |
If you live in Parma and you’re in your 60s, our data indicates that Clearcover usually has the best rates at $46.64 per month. The top 5 list of car insurance companies is below.
Company | Average Monthly Rate |
---|---|
Clearcover | $46.64 |
Buckeye Insurance Group | $55.84 |
NatGen PPA | $57.83 |
State Farm | $68.54 |
USAA | $70.48 |
Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Parma, the average monthly rate for a driver who is currently insured is $85.72 while drivers who are not currently covered will pay around $111.21.
Coverage | Average Monthly Rate |
---|---|
Not Currently Insured | $111.21 |
Currently Insured | $85.72 |
Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Parma a driver of a 2001 Volkswagen Jetta can expect to pay around $68.50 per month while someone that owns a 2007 Ford F150 may pay around $57.07 per month. Check out the list of recent quotes in Parma below.
Vehicle | Average Monthly Rate |
---|---|
2001 Volkswagen Jetta | $68.50 |
2007 Ford F150 | $57.07 |
2015 Cadillac XTS | $65.82 |
2010 Nissan Armada | $146.50 |
2016 Honda Civic | $231.67 |
2014 Ford Explorer | $62.50 |
2010 Jeep Compass | $391.75 |
2019 Chevrolet Equinox | $67.17 |
2000 Dodge Dakota | $58.52 |
2018 Dodge Charger | $338.20 |
What Is the Minimum Liability Coverage Requirement in Parma, OH?
Every state requires drivers to have a minimum amount of liability coverage. Ohio drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.
You like to keep it simple, and so do we! Just don’t go too minimalist and skip the auto insurance altogether (see our FAQ for more information). In Ohio, you are legally required to obtain something called liability insurance. This is for your protection if you are deemed “at fault” in an accident that causes injury and lost wages to another driver or passengers in another vehicle. Liability coverage pays up to the amounts listed below. It also pays for damages to the other driver’s vehicle. Trust us, you’d want this coverage even if it wasn’t legally required!
What Is the Blood Alcohol Concentration (BAC) limit in Parma, OH?
It is illegal for an individual to operate a motor vehicle in Ohio with the following BAC percentages:
What happens if I don’t have insurance or my coverage lapses?
The Ohio Department of Public Safety states possible risks as vehicle registration and license plates impounded, driver’s license and registration suspension, and your vehicle may be immobilized or forfeited. Liability insurance is a minimum requirement in Ohio (and most others), so be sure to have coverage at all times!
Check Out Other Rates in Parma, OH Nearby Cities:
Commute Time in Parma, OH
25 MilesCommute Time in United States
26.4 MilesNumber of Nearest Insurance Agents in Parma, OH
655 Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Answer a few questions and let Penny find the best rates in your area.