Car Insurance in Akron
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Akron, OH Car Insurance: Compare Quotes & Save More Today
In Ohio, every driver must have car insurance. Whether you’re commuting along I-77, driving through downtown Akron, or heading to nearby cities like Canton or Cleveland, having the right insurance keeps you protected and legal.
Akron, with over 190,000 residents, is the fifth-largest city in Ohio. Known for its rubber industry history and scenic neighborhoods, Akron has a mix of urban and suburban roads. Winter storms, heavy rain, and steep hills can make driving tricky, so reliable car insurance in Akron is a must.
The average cost of full coverage car insurance in Akron is around $1,390 per year. This is slightly above the state average of $1,266, but still lower than what drivers pay in larger cities like Cleveland or Cincinnati.
Minimum Car Insurance Requirements in Akron, OH
Ohio law requires all drivers to carry minimum liability insurance. In Akron, your policy must include:
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $25,000 per accident
Ohio is an at-fault state, meaning the driver who causes the accident is financially responsible.
This minimum coverage is legally required, but it may not cover all your costs in a major accident. Many Akron drivers choose full coverage for more protection.
Recommended Coverage for Akron Drivers
Akron drivers often benefit from more than just liability insurance. Here’s what full coverage can include:
| Coverage Type | What It Covers | Why It’s Useful in Akron |
|---|---|---|
| Collision Coverage | Damage to your vehicle in a crash | Great for winter roads and busy intersections |
| Comprehensive Coverage | Theft, vandalism, storm, or fire damage | Helps in case of hail, floods, or falling trees |
| Uninsured Motorist Coverage | Accidents with drivers who lack insurance | Ohio has a high number of uninsured motorists |
| Medical Payments (MedPay) | Your medical bills after an accident | Extra protection if you don’t have health insurance |
| Roadside Assistance | Towing, flat tire, battery jump, or lockouts | Helpful during snowstorms or car trouble |
Penalties for Driving Without Insurance in Akron
Driving without insurance in Akron can lead to:
- Fines between $100–$600
- License suspension
- Registration suspension
- Vehicle impoundment (for repeat offenses)
- SR-22 requirement (proof of financial responsibility)
Avoid these issues by always keeping your insurance active and carrying proof in your vehicle.
Average Car Insurance Cost in Akron, OH
| Coverage Type | Average Annual Cost |
|---|---|
| Minimum Coverage | $560 |
| Full Coverage | $1,390 |
Akron is slightly more affordable than Cleveland but more expensive than smaller towns.
Cost by Age Group
| Age Group | Average Annual Premium |
|---|---|
| 16–20 | $5,100+ |
| 21–25 | $2,300 |
| 26–35 | $1,550 |
| 36–50 | $1,300 |
| 51+ | $1,150 |
Young drivers pay the most due to higher risk and less experience.
Akron vs. Other Ohio Cities: Cost Comparison
| City | Full Coverage | Minimum Coverage |
|---|---|---|
| Cleveland | $1,530 | $600 |
| Columbus | $1,460 | $580 |
| Cincinnati | $1,480 | $590 |
| Akron | $1,390 | $560 |
| Dayton | $1,370 | $550 |
| Toledo | $1,420 | $575 |
| Youngstown | $1,280 | $520 |
| Canton | $1,320 | $535 |
| Lorain | $1,290 | $525 |
| Parma | $1,310 | $530 |
Akron is mid-range for car insurance costs among Ohio cities—more than Youngstown, less than Cleveland.
Best Car Insurance Companies in Akron
These top-rated insurers offer affordable coverage for Akron drivers:
| Company | Best For | Estimated Full Coverage |
|---|---|---|
| GEICO | Low premiums and fast service | $1,350 |
| State Farm | Friendly local agents | $1,370 |
| Erie Insurance | Personalized service in Ohio | $1,360 |
| Progressive | Ideal for high-risk drivers | $1,420 |
| Nationwide | Good for multi-policy discounts | $1,390 |
| Allstate | Reliable claims support | $1,440 |
Tip: Always compare quotes from at least 3 companies to find the best deal.
Factors That Affect Car Insurance Rates in Akron
Your premium in Akron may depend on the following:
- Driving Record: Accidents and violations raise your rate
- Age & Gender: Young and male drivers often pay more
- Vehicle Type: Sports or luxury cars cost more to insure
- ZIP Code: Higher-risk areas have higher premiums
- Credit Score: Good credit may lower your rates
- Coverage Level: More coverage = higher cost
- Annual Mileage: Frequent drivers pay more
- Claims History: Past claims can increase your premium
How to Save on Car Insurance in Akron
Here are smart ways to reduce your insurance bill:
- ✅ Bundle home and auto policies
- ✅ Ask about safe driver and low mileage discounts
- ✅ Take a defensive driving course
- ✅ Increase your deductible (only if you can afford it)
- ✅ Use telematics or usage-based insurance apps
- ✅ Avoid lapses in coverage
- ✅ Compare quotes every 6 to 12 months
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FAQs – Akron Car Insurance
Ohio drivers must have 25/50/25 liability coverage.
Full coverage averages $1,390 per year; minimum coverage is around $560.
GEICO and Erie Insurance often offer the most affordable plans.
Full coverage is smart if you drive a newer car or want more protection.
You could face fines, suspension, and the requirement to file an SR-22.
About the Author
Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.
