Car insurance is a legal requirement for all drivers in Cuyahoga Falls, Ohio. Car insurance protects your legal and financial responsibilities in the event of a crash. The average cost of car insurance in Cuyahoga Falls is $1,022 for a full coverage policy and $359 for a minimum coverage policy. In 2020, there were 26,058 crashes investigated in Ohio, so having car insurance is extremely valuable if you cause an accident, or get hit by another driver.
To find the best car insurance in Cuyahoga Falls, we evaluated some of the largest insurance companies based on average premiums, discounts, customer satisfaction ratings, financial stability, online tools and third-party ratings.
Best car insurance companies in Cuyahoga Falls
Drivers who are shopping for car insurance in Cuyahoga Falls have a number of good options. However, we found that the best car insurance companies in Cuyahoga Falls are Erie, USAA, American Family and Auto-Owners. We chose these providers based on their affordable rates, great discounts, comprehensive coverage options and above-average ratings from J.D. Power for overall customer satisfaction. Here are the top providers according to our research, arranged from least expensive full coverage to most expensive.
|Insurance company||J.D. Power customer satisfaction score
(North Central region)
|Average annual premium for minimum coverage||Average annual premium for full coverage|
USAA is one of the best car insurance companies in the country. The catch is that you must be affiliated with the military to get coverage. Cuyahoga Falls drivers who are eligible for USAA insurance can take advantage of the company’s excellent customer service, low rates and good discounts. USAA offers savings for garaging your vehicle on base, driving under a certain annual mileage, bundling policies, being claim-free and many others. Another advantage of this provider is its other financial services for military members and their families.
Learn more: USAA Insurance review
American Family is a good car insurance provider for Cuyahoga Falls drivers who want to customize their policy with endorsements. Some of the optional coverages that American Family sells are roadside assistance, gap insurance, accident forgiveness, OEM coverage, travel coverage and rideshare insurance. Drivers can also opt into the ForeverCar program, which offers vehicle repair protection at a low cost. These options can help you pick the coverage you need and want at a price you are comfortable with.
Learn more: American Family Insurance review
In J.D. Power’s 2021 U.S. Auto Insurance Study, Erie ranked first for overall customer satisfaction in the North Central region. Erie offers affordable coverage to drivers in Cuyahoga Falls, as well as a variety of discounts, a rate lock guarantee and a disappearing deductible. In addition, Erie includes a number of coverage options with every policy, like pet coverage, locksmith coverage and auto glass repair coverage.
Learn more: Erie Insurance review
Auto-Owners is known for its great customer service, affordable rates and discount options. Cuyahoga Falls drivers can save money by getting a quote in advance, bundling their policies, being claim-free, having a vehicle with safety features and a few others. Auto-Owners also has several discounts aimed at student drivers. Through Auto-Owners, drivers can also add several endorsements to their policy for more protection.
Learn more: Auto-Owners Insurance review
Cheapest car insurance in Cuyahoga Falls
In Cuyahoga Falls, the average car insurance premium is $1,022 for full coverage and $359 for minimum coverage, which is more expensive than the average rate in Ohio. For comparison, the average annual cost of car insurance in Ohio is $1,034 for full coverage and just $86 for minimum coverage. In the United States, the average rate is $1,674 for full coverage insurance.
Car insurance rates in Cuyahoga Falls vary based on the insurance company. Some car insurance companies in Ohio are cheaper than others. The table below looks at the cheapest car insurance rates in Cuyahoga Falls from the most popular carriers based on market share:
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
The cheapest car insurance companies in Ohio each have pros and cons, which is why you should compare providers based on factors other than price. For example, USAA offers the lowest rates, but you can only get coverage if you are affiliated with the military. None of the other providers on this list have eligibility requirements.
In terms of coverage options, drivers who want to personalize their policy with endorsements should look at Erie or Auto-Owners, because Geico and State Farm offer limited add-ons. All five companies offer great discounts, but the savings available differ. For example, Geico is the only company that offers savings for federal employees and going on emergency deployment.
Cuyahoga Falls insurance requirements
Car insurance is legally required in Cuyahoga Falls. Drivers must carry at least 25/50/25 in personal liability insurance, which includes the following coverages:
- $25,000 in bodily injury liability coverage per person
- $50,000 in bodily injury liability coverage per accident
- $25,000 in property damage liability coverage per accident
Drivers looking for cheap car insurance might be tempted to purchase a minimum coverage policy to keep costs low. However, it is a good idea to increase your liability coverage limits for more protection. If you cause an accident and your financial responsibilities exceed your policy’s limit, you have to pay the difference out-of-pocket.
Another option is to upgrade to a full coverage policy, which includes collision and comprehensive insurance to protect your vehicle, as well as medical payments coverage. Drivers who lease or finance their vehicles are often required to carry a full coverage policy until their loan is repaid.
Car insurance discounts in Cuyahoga Falls
Most car insurance companies in Cuyahoga Falls offer discounts. The specific savings available are unique to each provider, but here are some of the most popular ones:
- Policy bundling discount: If you bundle your auto and home, renters or condo insurance policy with the same company, you might get a better rate.
- Pay in full discount: Drivers who pay their annual premium upfront and in full, rather than in monthly installments, can often qualify for a lower premium.
- Good student discount: High school and college students who maintain a minimum GPA can usually get a discount on their insurance policy.
- Vehicle safety features discount: Many insurance companies offer a discount to drivers whose car has safety features, like anti-lock brakes and an anti-theft system.
When comparing insurance providers, pay attention to the average savings for each discount. Some discounts have a larger savings potential than others. In addition to these discounts, Cuyahoga Falls drivers can get a lower car insurance premium by improving their credit score, avoiding claims and accidents, and raising their deductible.
Frequently asked questions
What is the best car insurance company?
The best car insurance company is different for every driver. It depends on a variety of personal factors, including the specific type and amount of insurance you need. Based on our research, some of the top car insurance providers are USAA, Geico, Amica, State Farm and Nationwide.
How much does car insurance in Cuyahoga Falls cost?
The average cost of car insurance in Cuyahoga Falls is $1,022 for full coverage and $359 for minimum coverage. However, car insurance rates are personalized based on criteria like your age, ZIP code, credit score, claim history and driving record.
Bankrate utilizes Quadrant Information Services to analyze 2021 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 record, good credit and the following full 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, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.