Best Bowling Green, OH Car Insurance in 2024
Car insurance in Bowling Green, OH averages $209 a month. Bowling Green, Ohio car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Bowling Green car insurance rates, compare quotes from the top car insurance companies in Bowling Green, OH.
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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: 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 Bowling Green is USAA
- The cheapest ZIP code in Bowling Green is 43402
- The cheapest car insurance company in Bowling Green for teen drivers is USAA
If you need to buy Bowling Green, Ohio car insurance, the options can be confusing. Everything you need to know about car insurance in Bowling Green, OH is right here.
You’ll find Bowling Green car insurance rates, the cheapest Bowling Green, OH car insurance companies, and information on Ohio car insurance laws. You can also compare Bowling Green, Ohio car insurance rates to Hamilton car insurance rates, Toledo car insurance rates, and Parma car insurance rates.
Ready to find affordable Bowling Green, OH car insurance today? Enter your ZIP code for fast, free Bowling Green car insurance quotes.
Cheapest Bowling Green, OH Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Bowling Green, OH car insurance rates? Every Bowling Green, 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 | $1,878 | $1,868 | $1,700 | $1,815 | $5,188 | $5,940 | $1,965 | $2,092 |
| American Family | $869 | $900 | $797 | $799 | $2,691 | $2,914 | $1,074 | $1,129 |
| Farmers | $1,665 | $1,660 | $1,467 | $1,551 | $7,437 | $7,717 | $1,863 | $1,938 |
| Geico | $1,157 | $1,127 | $1,096 | $1,110 | $3,091 | $2,874 | $1,281 | $1,083 |
| Liberty Mutual | $1,876 | $2,048 | $1,439 | $1,758 | $9,991 | $11,283 | $1,980 | $2,158 |
| Nationwide | $2,017 | $2,025 | $1,824 | $1,835 | $5,205 | $6,692 | $2,159 | $2,505 |
| Progressive | $1,422 | $1,336 | $1,187 | $1,225 | $6,369 | $7,161 | $1,696 | $1,753 |
| State Farm | $1,402 | $1,402 | $1,258 | $1,258 | $4,434 | $5,568 | $1,630 | $1,868 |
| Travelers | $1,227 | $1,245 | $1,217 | $1,213 | $5,271 | $8,348 | $1,278 | $1,454 |
| USAA | $779 | $786 | $741 | $741 | $2,371 | $2,640 | $1,037 | $1,121 |
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Minimum Car Insurance in Bowling Green, OH
Every driver must carry the minimum car insurance in Bowling Green, 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 Bowling Green, OH Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Bowling Green, OH. Compare credit history car insurance rates in Bowling Green from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,595 | $2,626 | $2,196 |
| American Family | $1,855 | $1,264 | $1,071 |
| Farmers | $3,578 | $3,027 | $2,882 |
| Geico | $1,918 | $1,602 | $1,287 |
| Liberty Mutual | $5,816 | $3,578 | $2,806 |
| Nationwide | $3,657 | $2,949 | $2,492 |
| Progressive | $3,105 | $2,689 | $2,512 |
| State Farm | $3,352 | $2,072 | $1,633 |
| Travelers | $2,967 | $2,585 | $2,417 |
| USAA | $1,656 | $1,174 | $1,001 |
Cheapest Bowling Green, 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 Bowling Green, OH to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,360 | $2,849 | $3,345 | $2,669 |
| American Family | $1,340 | $1,416 | $1,416 | $1,416 |
| Farmers | $2,607 | $3,360 | $3,277 | $3,404 |
| Geico | $1,088 | $1,569 | $2,282 | $1,471 |
| Liberty Mutual | $3,409 | $4,395 | $4,478 | $3,984 |
| Nationwide | $2,437 | $3,091 | $3,912 | $2,691 |
| Progressive | $2,388 | $3,248 | $2,544 | $2,895 |
| State Farm | $2,140 | $2,565 | $2,352 | $2,352 |
| Travelers | $1,962 | $2,551 | $3,839 | $2,274 |
| USAA | $985 | $1,316 | $1,718 | $1,089 |
Cheapest Bowling Green, OH Car Insurance for Teen Drivers
Teen car insurance in Bowling Green, OH can be expensive. Take a look at rates from the top car insurance companies in Bowling Green for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $5,188 | $5,940 |
| American Family | $2,691 | $2,914 |
| Farmers | $7,437 | $7,717 |
| Geico | $3,091 | $2,874 |
| Liberty Mutual | $9,991 | $11,283 |
| Nationwide | $5,205 | $6,692 |
| Progressive | $6,369 | $7,161 |
| State Farm | $4,434 | $5,568 |
| Travelers | $5,271 | $8,348 |
| USAA | $2,371 | $2,640 |
Cheapest Bowling Green, OH Car Insurance for Seniors
Take a look at Bowling Green, 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 | $1,700 | $1,815 |
| American Family | $797 | $799 |
| Farmers | $1,467 | $1,551 |
| Geico | $1,096 | $1,110 |
| Liberty Mutual | $1,439 | $1,758 |
| Nationwide | $1,824 | $1,835 |
| Progressive | $1,187 | $1,225 |
| State Farm | $1,258 | $1,258 |
| Travelers | $1,217 | $1,213 |
| USAA | $741 | $741 |
Cheapest Bowling Green, OH Car Insurance Rates After a DUI
A DUI in Bowling Green, OH increases car insurance rates. Compare Bowling Green, Ohio DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,345 |
| American Family | $1,416 |
| Farmers | $3,277 |
| Geico | $2,282 |
| Liberty Mutual | $4,478 |
| Nationwide | $3,912 |
| Progressive | $2,544 |
| State Farm | $2,352 |
| Travelers | $3,839 |
| USAA | $1,718 |
Read More: Compare Best Car Insurance Companies That Accept DUI
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Cheapest Bowling Green, OH Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Bowling Green, 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 | $2,806 | $2,806 |
| American Family | $1,380 | $1,413 |
| Farmers | $3,162 | $3,162 |
| Geico | $1,575 | $1,629 |
| Liberty Mutual | $4,067 | $4,067 |
| Nationwide | $3,033 | $3,033 |
| Progressive | $2,769 | $2,769 |
| State Farm | $2,294 | $2,411 |
| Travelers | $2,657 | $2,657 |
| USAA | $1,229 | $1,325 |
Cheapest Bowling Green, OH Car Insurance Rates by ZIP Code
Bowling Green car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Bowling Green, OH.
| ZIP Code | Average Annual Rates |
|---|---|
| 43402 | $2,372 |
| 43403 | $2,422 |
The Best Cheap Car Insurance Companies in Bowling Green, OH
Take a look at a side-by-side comparison of the top car insurance companies in Bowling Green, OH to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $2,806 |
| American Family | $1,397 |
| Farmers | $3,162 |
| Geico | $1,602 |
| Liberty Mutual | $4,067 |
| Nationwide | $3,033 |
| Progressive | $2,769 |
| State Farm | $2,352 |
| Travelers | $2,657 |
| USAA | $1,277 |
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Category Winners: Cheapest Car Insurance in Bowling Green, Ohio
Find the cheapest car insurance companies in Bowling Green, 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 |
Cheapest Bowling Green, OH Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Bowling Green car insurance rates. Find the cheapest Bowling Green, OH car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $2,715 | $2,800 | $2,903 |
| American Family | $1,370 | $1,407 | $1,413 |
| Farmers | $2,988 | $3,112 | $3,387 |
| Geico | $1,548 | $1,595 | $1,665 |
| Liberty Mutual | $3,888 | $4,091 | $4,221 |
| Nationwide | $3,336 | $2,941 | $2,821 |
| Progressive | $2,657 | $2,744 | $2,905 |
| State Farm | $2,231 | $2,360 | $2,466 |
| Travelers | $2,580 | $2,692 | $2,698 |
| USAA | $1,223 | $1,276 | $1,333 |
What affects car insurance rates in Bowling Green, Ohio?
What factors can have an impact on Bowling Green, OH car insurance? There are several reasons why Bowling Green car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Bowling Green, Ohio.
Car Theft in Bowling Green
High levels of vehicle theft can make car insurance more expensive. Bowling Green, OH car theft statistics from the FBI indicate 8 vehicle thefts a year.
Commute Time in Bowling Green
The more time you spend in your car the higher the risk of an accident. The average commute length in Bowling Green, OH is 16.0 minutes according to City-Data.
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Compare Car Insurance Quotes in Bowling Green, OH
Ready to find affordable Bowling Green, Ohio car insurance today? Enter your ZIP code for fast, free Bowling Green, OH car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in Bowling Green, OH?
Comparing car insurance rates in Bowling Green, OH is relatively easy. You can start by requesting quotes from different insurance companies either through their websites or by contacting them directly. Additionally, there are online insurance comparison websites where you can enter your information once and receive quotes from multiple insurers. It’s important to provide accurate and consistent information to get the most accurate rate comparisons.
What factors influence car insurance rates in Bowling Green, OH?
Car insurance rates in Bowling Green, OH are influenced by several factors, including:
- Your driving record: A clean driving record with no accidents or traffic violations generally leads to lower premiums.
- Vehicle type: The make, model, and year of your vehicle can impact insurance rates. More expensive or high-performance cars tend to have higher premiums.
- Coverage levels: The amount of coverage you choose, such as liability, collision, and comprehensive, can affect your rates.
- Deductible amount: A higher deductible typically results in lower premiums.
- Age and gender: Younger drivers and males, statistically considered higher risk, may have higher premiums.
- Credit history: In some states, insurers may consider credit history when determining rates.
- Location: The area where you live, including Bowling Green, OH, can impact rates due to factors like crime rates and traffic congestion.
Are there any specific car insurance requirements in Bowling Green, OH?
Yes, in Bowling Green, OH, as in most states, drivers are required to carry a minimum level of car insurance coverage. The state minimum requirements for Ohio are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Can I get discounts on car insurance in Bowling Green, OH?
Yes, many insurance companies offer various discounts that can help reduce your car insurance premiums in Bowling Green, OH. Some common discounts include:
- Good driver discounts: Offered to drivers with a clean driving record.
- Multi-policy discounts: If you have multiple policies (e.g., car and home insurance) with the same insurer, you may qualify for a discount.
- Safety features discounts: Installing safety features such as anti-lock brakes, airbags, or anti-theft devices can lead to discounts.
- Good student discounts: If you’re a student with good grades, you may be eligible for a discount.
- Low mileage discounts: If you drive fewer miles than the average driver, you might qualify for a discount.
Are there any additional coverages I should consider in Bowling Green, OH?
While the minimum required coverage in Bowling Green, OH includes liability insurance, it’s often a good idea to consider additional coverages for better protection. Some optional coverages to consider are:
- Collision coverage: This coverage helps pay for repairs or replacement of your vehicle if it’s damaged in an accident, regardless of who is at fault.
- Comprehensive coverage: It covers non-collision-related incidents like theft, vandalism, natural disasters, or animal collisions.
- Uninsured/underinsured motorist coverage: This coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.
- Medical payments coverage: It helps cover medical expenses for you and your passengers, regardless of fault.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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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
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.