This message is powered by HomeInsurance.com, a accredited indemnity producer ( NPN : 8781838 ) and a corporate consort of top10carinsurance.com.com. HomeInsurance.com LLC services are only available in states were it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable indemnity policy, and all relate decisions ( such as blessing for coverage, premiums, commissions and fees ) and policy obligations are the sole responsibility of the underwrite insurance company. The data on this site does not modify any insurance policy terms in any room. top10carinsurance.com.com is an independent, advertising-supported publisher and comparison service. We are compensated in commute for placement of sponsor products and, services, or by you clicking on certain links posted on our site. therefore, this recompense may impact how, where and in what order products appear within listing categories. other factors, such as our own proprietary web site rules and whether a product is offered in your area or at your self-selected accredit score range can besides impact how and where products appear on this site. While we strive to provide a broad image offers, top10carinsurance.com does not include information about every fiscal or credit product or servicing. We ’ ra diaphanous about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. top10carinsurance.com follows a nonindulgent column policy, so you can trust that our subject is honest and accurate. Our award-winning editors and reporters create honest and accurate contented to help you make the right fiscal decisions. The content created by our column staff is objective, factual, and not influenced by our advertisers.

You have money questions. top10carinsurance.com has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the adept advice and tools needed to succeed throughout life ’ s fiscal travel. top10carinsurance.com ’ s editorial team writes on behalf of YOU – the proofreader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow stern guidelines to ensure that our column contented is not influenced by advertisers. Our editorial team receives no mastermind recompense from advertisers, and our content is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a reappraisal, you can trust that you ’ re getting credible and dependable information. We measure your trust. Our mission is to provide readers with accurate and indifferent information, and we have column standards in put to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the data you ’ rhenium reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our column team does not receive direct compensation from our advertisers. top10carinsurance.com follows a hard-and-fast editorial policy, so you can trust that we ’ ra putting your interests first. Our award-winning editors and reporters create honest and accurate contented to help you make the right fiscal decisions. All providers discussed on our web site are vetted based on the prize they provide. And we constantly review our criteria to ensure we ’ re putting accuracy first. Our indemnity team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — indeed you can feel confident about which provider is right for you. top10carinsurance.com follows a stern column policy, so you can trust that we ’ ra putting your interests first. All of our subject is authored by highly dependent professionals and reviewed by subject count experts, who ensure everything we publish is objective, accurate and worthy of your believe. Founded in 1976, top10carinsurance.com has a long traverse read of helping people make chic fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making march and giving people confidence in which actions to take following. While we adhere to strict column integrity, this station may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more data, please see our Insurance disclosure. There are more than eight million drivers in the state of Ohio. Every licensed driver in the Buckeye State is required to carry a minimal amount of car indemnity, no matter where they live. In Lima, the average cost of car insurance is $317 per year for a minimum coverage policy and $963 per year for a full coverage policy. Drivers who are shopping for car policy in Lima can choose from a number of providers. however, some insurers are better than others. To find the best car insurance in Lima, we reviewed some of the largest car insurance companies in Ohio, and evaluated each one based on price, coverage options and more .

Best car insurance companies in Lima

After our in-depth comparison, we found that the best car indemnity companies in Lima are Erie, State Farm, MetLife and USAA. We chose these providers because they offer low-cost rates, commodity coverage options, big discounts and high ratings for overall customer satisfaction and fiscal lastingness .

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
Erie 857/1,000 $241 $903
State Farm 851/1,000 $286 $853
MetLife 849/1,000 $434 $1,138
USAA 895/1,000 $235 $756

Erie

Erie was rated the best car policy company in the North Central region for overall customer satisfaction by J.D. Power. In summation to excellent customer service and low-cost rates, Erie besides offers a number of free perks with every criterion car policy. There is a pace lock guarantee, a vanish deductible, first accident forgiveness, pet coverage, new car protection and more .

State Farm

country farm is one of the cheapest car insurance companies in Lima. The company is known for its generous discounts, and specifically, savings aimed at new drivers. State Farm has two condom driver rewards programs, including the Steer Clear broadcast, which is geared towards young drivers under 25. State Farm besides offers criterion discounts for policy bundling, being a well scholar, having a safe vehicle and many others.

MetLife

MetLife is well known for its home insurance offerings, but the company besides has excellent car insurance. MetLife ’ s rates are slenderly more expensive than the average premiums in Lima, but the company offers a few discounts for extra savings. Of all the providers we reviewed, MetLife stands out for its sanction policies, which include identity larceny coverage, new cable car surrogate, special parts coverage, enhanced car lease car coverage and more .

USAA

Lima drivers can only get USAA coverage if they are affiliated with the military. however, USAA offers some of the lowest rates in the city, and has the best third-party ratings. Through USAA, Lima drivers can save money by garaging their fomite on base, bundling policies, being claim-free, being a bequest customer, insuring a newly fomite, taking a driver discipline path and more. USAA besides offers flexible payment plans .

Cheapest car insurance in Lima

The average annual cost of car policy in Lima is $ 317 for minimal coverage and $ 963 for full coverage. In comparison the average annual monetary value of car insurance in Ohio is $ 1,034 for wax coverage. top10carinsurance.com, the average rate is $ 1,674 for full moon coverage policy. car insurance rates frequently vary between providers. In the table below, we have included the cheapest car policy rates in Lima from the most popular carriers based on grocery store share :

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $235 $756
Erie $241 $903
State Farm $286 $853
Geico $293 $767
Auto-Owners $311 $968

Drivers looking for the cheapest car indemnity in Ohio should take some time to compare providers based on factors other than price. There is no guarantee that the cheapest supplier is going to offer the type of coverage you want, or the best discounts. For example, to get indemnity through USAA, you have to be affiliated with the military. If you need unsheathed bones coverage and care most about getting a low rate, Geico might be a better option. Just keep in mind that the coverage options are very limited. If you want to take advantage of discounts, all five providers have great options. however, the actual savings available will vary. For model, Geico is the lone supplier with a union employee discount and USAA is the alone provider with a bequest customer discount rate .

Lima insurance requirements

In Lima, drivers are required to carry a minimum of 25/50/25 personal indebtedness policy. That includes the follow coverage limits :

  • $25,000 for bodily injury liability coverage per person
  • $50,000 for bodily injury liability coverage per accident
  • $25,000 for property damage liability coverage per accident

Uninsured motorist coverage must be offered but can be declined in writing. There are four other ways to satisfy Ohio ’ s fiscal responsibility law :

  • A certificate from the BMV confirming that a driver has a $30,000 bond on file with the Treasury.
  • A certificate of bond issued by the BMV for $30,000 signed by two people who own real estate with at least $60,000 in equity
  • A certificate of self-insurance issued by the BMV for individuals or businesses who own more than 25 vehicles.
  • A $30,000 bond issued by an authorized insurance or surety company.

You are only ask to purchase minimum coverage, however, policy companies recommend that most drivers raise their policy limits for more protection. If you cause an accident and the damages exceeded your coverage limit, you would be responsible for paying the rest out-of-pocket. In accession, a liability-only policy does not offer any coverage for your vehicle if you hit another driver. It is a good mind to purchase a broad coverage policy, which includes collision and comprehensive policy to protect your vehicle, and medical payments coverage. If you lease or finance your car, full coverage may be required .

Car insurance discounts in Lima

With about any car indemnity company in Ohio, you can find discounts to help save money. here are some of the discounts available in Lima :

  • Multi-vehicle discount: If you insure more than one vehicle on your auto insurance policy, you may be able to get a slightly lower rate.
  • Pay in full discount: Drivers who choose to pay their annual premium upfront and in full may qualify for a lower rate.
  • Homeowner discount: If you own a home, you might be able to save money on your car insurance, even if your home is insured by a different company.
  • New vehicle discount: Some insurance companies offer a discount to drivers who insure a car that is two model years old or newer.

car policy discounts can be a great way to save money, but keep in mind that the actual savings will vary based on the type of dismiss and the company. For example, new vehicle discounts normally have a greater savings potential than multi-vehicle discounts. When comparing providers, make a note of the average savings available for the discounts you can qualify for .

Frequently asked questions

What is the best car insurance company?

The best car indemnity party is different for every driver, because indemnity needs are individualized. however, some of top10carinsurance.com ’ s top rated car policy providers are USAA, Amica, State Farm, MetLife, top10carinsurance.com and The Hartford .

How much does car insurance in Lima cost?

Drivers in Lima pay an modal rate of $ 317 per class for minimum coverage indemnity and $ 963 per year for full coverage indemnity. Because car indemnity rates are personalized, you might pay a different rate based on your age, accredit score ( in most states ), claim history or driving criminal record.

Methodology

top10carinsurance.com utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving criminal record, good credit and the follow wide coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, top10carinsurance.com used minimum coverages that meet each state of matter ’ second requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles per annum. These are sample rates and should be used for comparative purposes only. Your quotes may be unlike .

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