Cheapest Auto Insurance in Canton, Ohio (2025)

Canton drivers pay an average $97 per month for car insurance, which is slightly lower than the Ohio state monthly average of $96 and the national monthly average of $144.

The city in northeast Ohio has a population of about 70,000 people, which is less than half the number of people living in nearby Akron. Canton’s comparatively smaller population might explain why its drivers earn low average premiums. Fewer drivers in an area often leads to lower rates of accidents and property damage.

The best way to find even more affordable coverage in Canton is to compare quotes from multiple insurance companies. Here’s what you need to know about finding cheap car insurance in Canton.

Cheapest car insurance companies in Canton

Every driver on the road has a unique situation that affects car insurance costs. Since every car insurance company has a different way of assessing your situation, drivers can find the cheapest car insurance rates by shopping around for car insurance.

While it pays to shop around, you can use the information below about some of the best insurance companies in Canton to streamline your search. The data provided below reflects statewide average costs.

Best insurer for cheap rates: State Farm

Best insurer for infrequent drivers: Mile Auto

Best insurer for customer satisfaction: Auto-Owners

How to get the cheapest car insurance in Canton

Car insurance companies determine your premiums by considering multiple factors, including your age, location, local crime rate, ZIP code, credit history, and driving record.

As a driver, you can implement the following strategies to find the cheapest rate for you:

• Shop around. A good way to find the best rate for your situation is to compare quotes from multiple car insurance companies.

• Look for a discount. Most insurance companies offer discounts to policyholders. You should always look into whether you qualify for one or more discounts.

• Increase your deductible. Choosing a higher deductible often leads to lower insurance premiums. But you should only do this if you have the money to cover a higher deductible.1

• Choose minimum coverage. A minimum-coverage car insurance policy doesn’t offer robust financial protection, but it’s the most affordable coverage option. If you have a limited budget and an older, inexpensive vehicle, a liability-only policy may cover your needs.

Cheapest liability-only car insurance in Canton: Mile Auto

If you cause a car accident, a liability car insurance policy will kick in to help you pay for the damages and injuries you cause to others. While most states require this minimum amount of insurance, the limited coverage option might not fully cover your insurance needs.2

Mile Auto offers the cheapest average liability rates for residents of Canton, at $39 per month. The table below shows average quotes for liability-only car insurance policies for Canton drivers.

Cheapest full-coverage car insurance in Canton: Mile Auto

A full-coverage auto insurance policy offers more protection than a liability-only option. In addition to liability coverage, a full-coverage policy includes comprehensive coverage and collision coverage. After an incident causes damage to your vehicle, this type of policy can help you pay for vehicle repairs or a replacement.

Mile Auto offers the cheapest average rate, at $56 per month for a full-coverage policy. The following table shows average quotes for full-coverage policies in Canton.

Car insurance requirements in Ohio

Like most states, Ohio, requires drivers to carry a minimum amount of liability insurance to operate legally on public roads.3

The table below outlines the minimum coverage requirements in Ohio:

Though Ohio only requires drivers to buy bodily injury and property damage insurance, you may want to consider buying other optional coverages. Consider two of the most common coverages:

Cheapest car insurance for drivers with an incident

A mistake on the road can turn into an incident on your driving record. Some serious traffic violations include speeding tickets, driving under the influence (DUI) charges, and at-fault accidents. Each of these violations indicates a risk factor to insurance companies, which usually leads to higher insurance premiums.4

If you cause an accident, you can generally expect your car insurance rates to increase. The severity and frequency of your violations will influence how much you pay for coverage. On average, Ohio drivers with a past incident pay $114 per month for car insurance.

The following table illustrates how a traffic violation can lead to higher insurance costs. You can find average liability-only rates for Ohio residents by driving record below.

Average cost of car insurance by age

Insurers usually look at your age as a factor when determining premiums. In general, drivers with the least amount of experience behind the wheel — namely teen drivers and young drivers — face the highest insurance costs.

Coverage costs tend to remain high for drivers until around age 35. After that, most drivers see falling rates for decades. But around age 70, most senior drivers see an uptick in rates due to aging-related risk factors.

Explore the average car insurance costs by age in Canton in the table below.

Canton car insurance quotes by credit tier

Ohio allows car insurance companies to consider your credit-based insurance score as a factor when determining premiums. Drivers with excellent or good credit scores tend to pay lower rates than people with poor credit scores.

Explore the average full-coverage monthly quotes by credit tier below.