Best Mechanicsburg, OH Car Insurance in 2024
Car insurance in Mechanicsburg, OH averages $227 a month. Mechanicsburg, Ohio car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Mechanicsburg car insurance rates, compare quotes from the top car insurance companies in Mechanicsburg, OH.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Mechanicsburg is USAA
- Average car insurance rates in Mechanicsburg, OH are $2,723/year
- Average car insurance rates in Mechanicsburg, OH after a DUI are $3,170/year
If you need to buy Mechanicsburg, Ohio car insurance, the options can be confusing. Everything you need to know about car insurance in Mechanicsburg, OH is right here.
You’ll find Mechanicsburg car insurance rates, the cheapest Mechanicsburg, OH car insurance companies, and information on Ohio car insurance laws. You can also compare Mechanicsburg, Ohio car insurance rates to Lorain car insurance rates, Akron car insurance rates, and Hamilton car insurance rates.
Ready to find affordable Mechanicsburg, OH car insurance today? Enter your ZIP code for fast, free Mechanicsburg car insurance quotes.
Cheapest Mechanicsburg, OH Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Mechanicsburg, OH car insurance rates? Every Mechanicsburg, Ohio car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,044 | $2,032 | $1,845 | $1,971 | $5,714 | $6,546 | $2,143 | $2,286 |
| American Family | $924 | $958 | $845 | $848 | $2,852 | $3,094 | $1,143 | $1,203 |
| Farmers | $1,844 | $1,839 | $1,624 | $1,713 | $8,155 | $8,468 | $2,067 | $2,160 |
| Geico | $1,332 | $1,297 | $1,243 | $1,249 | $3,576 | $3,337 | $1,479 | $1,262 |
| Liberty Mutual | $1,775 | $1,935 | $1,368 | $1,657 | $9,292 | $10,495 | $1,886 | $2,061 |
| Nationwide | $2,133 | $2,144 | $1,925 | $1,939 | $5,448 | $7,025 | $2,286 | $2,660 |
| Progressive | $1,716 | $1,618 | $1,430 | $1,476 | $7,602 | $8,560 | $2,053 | $2,123 |
| State Farm | $1,466 | $1,466 | $1,310 | $1,310 | $4,561 | $5,723 | $1,704 | $1,958 |
| Travelers | $1,459 | $1,481 | $1,451 | $1,441 | $6,272 | $9,870 | $1,522 | $1,740 |
| USAA | $865 | $872 | $823 | $822 | $2,667 | $2,969 | $1,155 | $1,248 |
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Minimum Car Insurance in Mechanicsburg, OH
Every driver must carry the minimum car insurance in Mechanicsburg, OH. Take a look at the Ohio car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Mechanicsburg, OH Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Mechanicsburg, OH. Compare credit history car insurance rates in Mechanicsburg from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,942 | $2,876 | $2,401 |
| American Family | $1,968 | $1,344 | $1,138 |
| Farmers | $3,946 | $3,332 | $3,173 |
| Geico | $2,214 | $1,847 | $1,479 |
| Liberty Mutual | $5,452 | $3,348 | $2,626 |
| Nationwide | $3,855 | $3,106 | $2,623 |
| Progressive | $3,732 | $3,224 | $3,011 |
| State Farm | $3,473 | $2,147 | $1,692 |
| Travelers | $3,529 | $3,069 | $2,866 |
| USAA | $1,853 | $1,311 | $1,118 |
Cheapest Mechanicsburg, OH Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Mechanicsburg, OH to rates for a clean record with top companies.
Read more: What are the DUI insurance laws in Ohio?
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,579 | $3,118 | $3,672 | $2,922 |
| American Family | $1,422 | $1,504 | $1,504 | $1,504 |
| Farmers | $2,872 | $3,699 | $3,608 | $3,756 |
| Geico | $1,256 | $1,811 | $2,612 | $1,709 |
| Liberty Mutual | $3,203 | $4,104 | $4,194 | $3,734 |
| Nationwide | $2,561 | $3,257 | $4,131 | $2,831 |
| Progressive | $2,865 | $3,894 | $3,052 | $3,479 |
| State Farm | $2,221 | $2,653 | $2,437 | $2,437 |
| Travelers | $2,321 | $3,028 | $4,568 | $2,702 |
| USAA | $1,098 | $1,471 | $1,926 | $1,216 |
Cheapest Mechanicsburg, OH Car Insurance for Teen Drivers
Teen car insurance in Mechanicsburg, OH can be expensive. Take a look at rates from the top car insurance companies in Mechanicsburg for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $5,714 | $6,546 |
| American Family | $2,852 | $3,094 |
| Farmers | $8,155 | $8,468 |
| Geico | $3,576 | $3,337 |
| Liberty Mutual | $9,292 | $10,495 |
| Nationwide | $5,448 | $7,025 |
| Progressive | $7,602 | $8,560 |
| State Farm | $4,561 | $5,723 |
| Travelers | $6,272 | $9,870 |
| USAA | $2,667 | $2,969 |
Cheapest Mechanicsburg, OH Car Insurance for Seniors
Take a look at Mechanicsburg, OH senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,845 | $1,971 |
| American Family | $845 | $848 |
| Farmers | $1,624 | $1,713 |
| Geico | $1,243 | $1,249 |
| Liberty Mutual | $1,368 | $1,657 |
| Nationwide | $1,925 | $1,939 |
| Progressive | $1,430 | $1,476 |
| State Farm | $1,310 | $1,310 |
| Travelers | $1,451 | $1,441 |
| USAA | $823 | $822 |
Cheapest Mechanicsburg, OH Car Insurance Rates After a DUI
A DUI in Mechanicsburg, OH increases car insurance rates. Compare Mechanicsburg, Ohio DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,672 |
| American Family | $1,504 |
| Farmers | $3,608 |
| Geico | $2,612 |
| Liberty Mutual | $4,194 |
| Nationwide | $4,131 |
| Progressive | $3,052 |
| State Farm | $2,437 |
| Travelers | $4,568 |
| USAA | $1,926 |
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Cheapest Mechanicsburg, OH Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Mechanicsburg, OH by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,073 | $3,073 |
| American Family | $1,465 | $1,501 |
| Farmers | $3,484 | $3,484 |
| Geico | $1,815 | $1,879 |
| Liberty Mutual | $3,809 | $3,809 |
| Nationwide | $3,195 | $3,195 |
| Progressive | $3,322 | $3,322 |
| State Farm | $2,378 | $2,497 |
| Travelers | $3,155 | $3,155 |
| USAA | $1,374 | $1,481 |
The Best Cheap Car Insurance Companies in Mechanicsburg, OH
Take a look at a side-by-side comparison of the top car insurance companies in Mechanicsburg, OH to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,073 |
| American Family | $1,483 |
| Farmers | $3,484 |
| Geico | $1,847 |
| Liberty Mutual | $3,809 |
| Nationwide | $3,195 |
| Progressive | $3,322 |
| State Farm | $2,437 |
| Travelers | $3,155 |
| USAA | $1,427 |
Category Winners: Cheapest Car Insurance in Mechanicsburg, Ohio
Find the cheapest car insurance companies in Mechanicsburg, OH for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | American Family |
| With 1 Speeding Violation | USAA |
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Cheapest Mechanicsburg, OH Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Mechanicsburg car insurance rates. Find the cheapest Mechanicsburg, OH car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $2,980 | $3,067 | $3,172 |
| American Family | $1,458 | $1,494 | $1,497 |
| Farmers | $3,302 | $3,430 | $3,719 |
| Geico | $1,794 | $1,839 | $1,907 |
| Liberty Mutual | $3,669 | $3,825 | $3,931 |
| Nationwide | $3,541 | $3,096 | $2,948 |
| Progressive | $3,193 | $3,294 | $3,480 |
| State Farm | $2,326 | $2,444 | $2,542 |
| Travelers | $3,077 | $3,195 | $3,192 |
| USAA | $1,368 | $1,426 | $1,489 |
What affects car insurance rates in Mechanicsburg, Ohio?
What factors can have an impact on Mechanicsburg, OH car insurance? There are several reasons why Mechanicsburg car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Mechanicsburg, Ohio.
Car Theft in Mechanicsburg
High levels of vehicle theft can make car insurance more expensive. Mechanicsburg, OH car theft statistics from the FBI indicate 1 vehicle thefts a year.
Commute Time in Mechanicsburg
The more time you spend in your car the higher the risk of an accident. The average commute length in Mechanicsburg, OH is 28.6 minutes according to City-Data.
Compare Car Insurance Quotes in Mechanicsburg, OH
Ready to find affordable Mechanicsburg, Ohio car insurance today? Enter your ZIP code for fast, free Mechanicsburg, OH car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How can I compare car insurance rates in Mechanicsburg, OH?
Comparing car insurance rates in Mechanicsburg, OH is an important step in finding the best coverage for your vehicle. You can compare rates by following these steps:
- Collect information about your vehicle: Make note of your car’s make, model, year, and any safety features it may have.
- Gather your personal information: Insurance companies typically ask for details such as your age, driving history, and credit score.
- Research insurance providers: Look for reputable insurance companies that offer coverage in Mechanicsburg, OH.
- Obtain quotes: Contact insurance companies directly or use online comparison tools to get quotes based on the information you gathered.
- Compare coverage options: Evaluate the coverage levels, deductibles, and additional benefits offered by each insurance provider.
- Consider customer reviews and ratings: Read reviews and check ratings of the insurance companies you are considering to gauge their customer satisfaction levels.
- Make an informed decision: Based on the rates, coverage, and reputation of the insurance providers, choose the policy that best suits your needs and budget.
What factors can affect car insurance rates in Mechanicsburg, OH?
Car insurance rates in Mechanicsburg, OH can be influenced by several factors, including:
- Driving record: A history of accidents, speeding tickets, or other violations can increase your insurance rates.
- Vehicle type: The make, model, and year of your car can impact the cost of insurance. Luxury or high-performance vehicles may have higher rates.
- Age and gender: Younger and inexperienced drivers typically pay higher premiums. Additionally, males under 25 often have higher rates than females.
- Coverage and deductibles: The level of coverage you choose and the deductibles you select can affect your insurance rates.
- Credit history: In some states, including Ohio, credit history can be used as a factor in determining insurance rates.
- Location: Where you live can impact rates due to factors like crime rates, population density, and accident statistics in your area.
- Mileage: The number of miles you drive annually can affect your rates. Drivers with longer commutes may have higher premiums.
Are there any specific car insurance requirements in Mechanicsburg, OH?
Yes, there are specific car insurance requirements in Mechanicsburg, OH. Ohio law mandates that all drivers have the following minimum coverage:
- Bodily Injury Liability: $25,000 per person injured in an accident and up to $50,000 for all persons injured in a single accident.
- Property Damage Liability: $25,000 for damage caused to another person’s property in an accident. It’s important to note that these are the minimum requirements, and it’s generally recommended to consider higher coverage limits to ensure adequate protection.
Can I get discounts on car insurance in Mechanicsburg, OH?
Yes, there are often various discounts available that can help you save on car insurance in Mechanicsburg, OH. Some common discounts include:
- Multi-policy discount: Bundling your car insurance with other policies, such as homeowner’s insurance, can often lead to discounts.
- Good driver discount: Maintaining a clean driving record, free from accidents and violations, can make you eligible for lower rates.
- Good student discount: Students with good grades may qualify for discounted rates.
- Safety feature discounts: Vehicles equipped with safety features like anti-lock brakes, airbags, and anti-theft devices may be eligible for discounts.
- Low mileage discount: If you don’t drive your car often or have a short commute, you may qualify for a low mileage discount. It’s best to inquire with insurance providers about the specific discounts they offer and see if you qualify.
How often should I review my car insurance policy in Mechanicsburg, OH?
It’s a good practice to review your car insurance policy in Mechanicsburg, OH at least once a year or whenever you experience significant life changes. Some situations that may warrant a policy review include:
- Purchasing a new vehicle
- Moving to a new address
- Adding or removing drivers from your policy
- Changes in your driving habits or annual mileage
- Changes in your financial situation
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.