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According to the website Smart Financial, Canton drivers pay an average of $79 a month for auto insurance. That’s significantly less than the national average of $135 per month and the Ohio average of $90 per month. When you need car insurance in Canton, Ohio, use this comprehensive guide to find affordable rates.
Most Affordable Auto Insurance Companies in Canton
Smart Financial researchers found that these Canton providers have the lowest average monthly auto insurance rates:
- Auto Owners Insurance Co: $75.58.
- Buckeye Insurance Group: $68.50.
- Erie: $75.06.
- USAA: $64.38.
- American Family: $79.33.
- State Farm: $79.17.
- Grange Mutual: $91.36.
- Hastings Mutual Insurance Company: $101.95.
- Ohio Mutual Insurance Group: $104.92.
- Motorists Mutual: $103.09.
Drivers in Canton can access lower rates on average than drivers in Dayton, Cleveland, Cincinnati, Toledo, and Columbus.
Value Penguin reviewed auto insurance rates across Ohio and found the most affordable minimum coverage premiums from Westfield, with an average cost of $406 annually. Allstate had the most expensive average annual minimum coverage premium of $752. State Farm had the lowest rates for Ohio drivers with a history of at least one at-fault accident and Geico offered the best full-coverage rates in the state on average. To gather these numbers, researchers at the website used a profile of a 30-year-old Ohio male who has average credit and full coverage on a 2015 Honda Civic EX.
Auto insurance website The Zebra reports that these companies have the most affordable average annual rates for Ohio drivers:
- Erie: $981.
- Esurance: $1082.
- Grange Mutual: $1382.
- Hastings Mutual: $980.
- Merchants Insurance Group: $849.
- Nationwide: $1240.
- Progressive: $1221.
- State Auto: $1664.
- State Farm: $958.
- USAA: $867 (available only to military members, veterans, and their families).
Best Auto Insurance Companies in Canton, Ohio
Value Penguin ranked the best insurance companies in Ohio based on the National Association of Insurance Commissioners (NAIC) Complaint Index, a measure of customer complaints in relation to the provider’s market share. They recommend these insurance companies based on their low complaint ratios from NAIC:
- Geico: 0.57.
- Grange: 0.10.
- Auto Owners Insurance Company: 0.07.
- Nationwide: 0.37.
- Progressive: 0.41.
The Zebra reports that these insurance companies have earned a claims satisfaction rating of 5 from J.D. Power and Associates:
These insurance companies have earned a financial strength score of Superior from A.M. Best:
- State Farm.
- Travelers Insurance.
Canton Auto Insurance Rates by Driving History
The Zebra reports that drivers can access significant savings by maintaining a record free of accidents and claims. They found that motorists who have no past accidents save nearly 35 percent or $542 a year on average on auto insurance. Those who have no traffic tickets save nearly 17 percent or $202 a year on average. Interestingly, credit has a bigger impact than either of these factors. Drivers who have high credit scores save $882 per year or more than 46 percent on average compared to their counterparts who have poor credit.
Conversely, drivers have their rates increase by nearly 41 percent after an arrest for driving under the influence and about 17 percent after a speeding ticket.
Canton Auto Insurance Rates by ZIP Code
Drivers pay more for car coverage in some Canton neighborhoods than others. Smart Financial ranked the city’s ZIP codes by average monthly insurance cost:
- 44702: $63.67.
- 44707: $66.82.
- 44718: $70.08.
- 44710: $71.61.
- 44706: $72.21.
- 44708: $81.87.
- 44703: $82.30.
- 44709: $82.48.
- 44705: $83.39.
- 44704: $85.93.
- 44714: $93.81.
- 44721: $140.17.
Average Auto Insurance Rates by Age in Canton
Teen and twenty-something drivers have a higher risk of accidents than older drivers, which results in higher auto insurance premiums. Smart Financial reports the average monthly rates by age group in Canton as follows:
- Teens: $229.
- 20s: $96.
- 30s: $63.
- 40s: $72.
- 50s: $59.
- 60s: $51.
- 70s: $64.
The website notes that young drivers will find the most affordable monthly rates from:
- American Family: $135.
- Auto Owners Insurance Co: $154.
- Erie: $165.
- State Farm: $175.
- USAA: $124 (available only to members of the military and their families).
The Zebra notes that young drivers can save more than $1000 a year on the average auto insurance policy by bundling coverage with parents instead of buying independent coverage.
Car Insurance Requirements in Canton, OH
According to the insurance website Trusted Choice, Ohio drivers must have at least $25,000 per person and $50,000 per accident for bodily injury liability coverage and $25,000 per accident for property damage liability. These policies pay for injuries and property damage that other people experience if you cause an accident.
Optional car insurance policies in Ohio include:
- Comprehensive insurance, which pays for damage to your vehicle that occurs because of a non-collision event such as severe weather, theft, or vandalism.
- Collision coverage, which replaces your vehicle or pays for repairs after a collision regardless of fault.
- Uninsured motorist coverage, often abbreviated as UM or UI, which pays your medical bills and other associated costs if you have an accident with an uninsured driver.
- Personal injury protection, or PIP, which pays medical costs for anyone in your vehicle injured in an accident regardless of fault in the crash.
- Rental car coverage during a covered repair.
- Roadside assistance coverage, which provides towing and other services.
While technically optional, comprehensive and collision insurance may be required by your contract if you finance or lease your vehicle. If you drive without liability insurance in Ohio, you can receive a driver’s license suspension until you provide proof of insurance along with a $100 reinstatement fee. If you have an accident without insurance, you could face license suspension for up to two years.
Check this out if you need additional information, resources, or guidance on car insurance.
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