Compare the Cheapest Car Insurance Quotes in Akron, OH

The average annual car insurance rate in Akron is $724, which is $79 lower than Ohio's state average. MoneyGeek analyzed the annual rates from various insurers and rated them based on coverage level and driver profile. The cheapest insurer in this city is GEICO, with an average rate of $491. For those looking for quality and affordability, MoneyGeek recommends the best companies in Akron.

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The Cheapest and Best Car Insurance in Akron

The Cheapest Car Insurance Companies in Akron

For a full coverage insurance policy, the following two companies offer the cheapest average annual rates:

  • GEICO: $491 yearly
  • USAA: $526 yearly (only serving current and former military members)

To evaluate the quotes, MoneyGeek used a sample driver profile: a 40-year-old male driver with a full coverage policy, including liability insurance and comprehensive and collision coverage.

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Average Cost of Car Insurance in Akron

Akron$724
Ohio$803
U.S.$1,424

On average car insurance in Akron costs $724 per year. That is lower than both the Ohio and national average annual premiums. Akron drivers pay 9.8% less than the typical annual cost of auto insurance in Ohio, which is $803, and 49.2% less than the $1,424 average yearly premium in the United States.

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The Best Car Insurance Companies in Akron

MoneyGeek's ranking of Akron insurers can help drivers get affordable rates with high-quality service. Our exclusive scoring system placed the following two companies on top:

  • Erie: MoneyGeek score of 95 out of 100
  • Hartford: MoneyGeek score of 88 out of 100

USAA received the highest score in Akron by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

To obtain the scores out of 100, MoneyGeek used various factors, including J.D. Power's user satisfaction, affordability and financial stability ratings.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Erie
Score:95

5/5

Affordability

4/5

Claims Ratings

5/5

User Satisfaction

A+

Financial Stability

3
Hartford
Score:88

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

4
Auto-Owners Insurance Co
Score:88

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
GEICO
Score:88

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

6
Cincinnati Insurance Companies
Score:88

3/5

Affordability

5/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

7
Country Financial
Score:85

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

8
State Farm
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

9
Nationwide
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Esurance
Score:83

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

11
Grange
Score:80

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Progressive
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

13
Allstate
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

14
American Family
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

15
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

16
MetLife
Score:80

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

17
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

18
Hanover
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

19
Liberty Mutual
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

20
AAA
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

21
Safeco
Score:73

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Personalized Quotes to Get You the Cheapest Car Insurance in Akron

Car insurance companies in Akron consider various factors to determine how much a policy will cost. They assess individualized factors, such as age, ZIP code, driving history, credit score, coverage level and vehicle make and model. Getting personalized quotes from different carriers can help a driver find possible discounts and rebates. Comparing quotes can also help determine which company offers the best car insurance in Akron for your needs.

Shopping around for car insurance in Akron could save you $233, which is enough to buy:


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78Cups of Coffee
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18Months of Your Favorite Streaming Service

Cheapest Car Insurance in Akron by Coverage Amount

Regardless of where you live and which company you choose, the amount of coverage you purchase will affect your insurance rates. A car insurance policy meeting only the state minimum (liability-only) requirements costs an average of $440 yearly in Akron, while a full coverage policy with higher liability limits costs about $284 more, at an average of $724.

Ohio Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

An insurance policy’s limits and coverage level also determine how much it will cost. The cheapest car insurance will depend on the policy’s inclusions. The minimum coverage in the state is 25/50/25. That means an Akron driver should have coverage with at least $25,000 for bodily injuries per person, $50,000 for bodily injuries per accident and $25,000 for property damage liability per accident.

Car insurance companies in Akron also offer 50/100/50 liability-only or full-coverage policies, as well as 100/300/100 full coverage. For example, a GEICO policyholder with 50/100/50 liability-only coverage pays an average of $319 per year in Akron. Adding $137 will upgrade this policy to 50/100/50 full coverage. For more comprehensive coverage, GEICO’s 100/300/100 full-coverage plan typically costs $491.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Akron if You Have Driving Violations

Drivers with clean driving history often get more affordable premiums than those with moving violations. For instance, an Erie policyholder in Akron with a clean record typically pays $583 per year. Having a speeding ticket adds around $25, while a DUI adds $322 on average. Meanwhile, an at-fault accident will bump up that rate by roughly $173.

Average Cost of Car Insurance by Postal Code

ZIP code also affects auto insurance premiums in Akron due to factors like the number of accidents and uninsured drivers in the area, as well as car theft rates. The average yearly premium in ZIP code 44312 is $706, which is $36 lower than the typical annual rate in the 44313 neighborhood.

  • Zip Code
    State Minimumper year
  • 44312
    $706
  • 44313
    $742

Factors That Impact Insurance Costs in Akron

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Akron. How Akron ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities127th/300
handcuffs2 icon
Most Car Thefts57th/300
uninsured icon
Most Uninsured Motorists by State22nd/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall113th/300
umbrella icon
Most Rainy Days4th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Akron are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.