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Get Cheap Car Insurance in 45804, OH
We monitor insurance prices, helping the average driver in 45804 save up to 30.1% on car insurance.
The Cheapest Minimum Coverage in 45804
The chart below shows the cheapest car insurance company in 45804 for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Safeco Insurance, Travelers, and Mile Auto.
| 45804 Insurer | Monthly Cost |
|---|---|
| State Farm | $48 |
| Safeco Insurance | $50 |
| Travelers | $51 |
| Mile Auto | $53 |
Savings for Every Kind of 45804 Driver
Based on our extensive insurance data, we know the average 45804 driver will save about 26% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $308 per year by choosing the right vehicle insurance company. Some 45804 residents are paying out over $1,167 extra every year for auto insurance in 45804. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
45804, OH Savings / Yr. |
|---|---|
$308 |
|
$524 |
|
$443 |
|
$473 |
|
$1,132 |
|
$322 |
|
$451 |
45804 Car Insurance vs. Ohio
People living in 45804 pay an average of 3.79% more than the typical driver in the state. The average driver in 45804 can expect to pay about $788 per year, or $1,167 for full coverage.
Based on our analysis, Mile Auto will be the cheapest provider in 45804 for most people.
Car Insurance Prices by 45804 Neighborhood
Insurance Prices
Where is insurance cheapest within 45804?
The map shows insurance prices in and around 45804, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $266 per year within the zip boundaries, with insurance premiums ranging from a high of $1,299 to a low of $1,033. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northeast parts of 45804.Pick the Best Car Insurance Company for You in 45804
The best car insurance provider for most drivers in 45804
For drivers with clean driving records and no major strikes, Mile Auto is the best option, with annual savings of $308 over the average 45804 car insurance company.
The best car insurance provider for 45804 drivers with accidents on their records
In our analysis, Gainsco saved the average person who had been in an accident the most, with annual savings averaging $524 over the competition.
The best car insurance company for 45804 drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $443 better than other car insurance companies.
The best auto insurance for 45804 drivers with a DUI conviction
Getting a quote from Gainsco may cost the average person with a DUI about $473 less each year.
The least expensive car insurance company for new and young drivers in 45804
In 45804, Geico costs young drivers $1,132 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 45804
State Farm gave the largest car insurance discounts to married couples, averaging $322 saved each year compared to an average 45804 couple's premiums.
The cheapest car insurance in 45804 for drivers with bad credit
The best 45804 car insurance company for customer service
Recent price drops
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The cheapest large national provider in 45804
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average 45804 driver can expect to pay about $76 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In 45804, USAA has the best prices for young drivers, drivers with bad credit, drivers with speeding tickets, drivers with accidents, good drivers, and drivers with a DUI conviction.Auto Insurance Prices in and Around 45804
What Influences the Cost of Car Insurance in 45804?
On average, car insurance in 45804 is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the zip are influenced by the following factors:
- Ohio state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 45804 are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
- 45804 has an average population density in the state. The zip’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in 45804 is $66 per month for minimum coverage and $97 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Zip Codes
- 45801: Insurance costs 4.37% less
- 45805: Insurance costs 5.74% less
- 45806: Insurance costs 8.65% less
- 45807: Insurance costs 10.71% less
- 45820: Insurance costs 12.17% less
- 45854: Insurance costs 12.25% less
- 45850: Insurance costs 10.45% less
- 45888: Insurance costs 10.28% less
- 45808: Insurance costs 9.68% less
- 45809: Insurance costs 12.51% less
Zip Codes with Similar Populations
- 93514: Insurance costs 60.58% more
- 18036: Insurance costs 16.45% more
- 18510: Insurance costs 25.79% more
- 19734: Insurance costs 70.35% more
- 19971: Insurance costs 49.19% more
- 20781: Insurance costs 96.74% more
- 81650: Insurance costs 52.19% more
- 90265: Insurance costs 86.55% more
- 92408: Insurance costs 97.00% more
- 02053: Insurance costs 31.45% more