April 2026 Rate Data — Lima
| Monthly Average Premium | $145 |
| Annual Average Premium | $1,740 |
| Primary Risk Factor | I-75 Northwest Ohio Industrial Corridor and Allen County Manufacturing Vehicle Risk |
| Governing Regulation | Ohio Minimum Liability 25/50/25 |
| Recommended Carrier (2026) | Progressive |
| Est. Annual Saving (via comparison) | Up to $313 |
April 2026 data: $145/month ($1,740/year). Risk: I-75 Northwest Ohio Industrial Corridor and Allen County Manufacturing Risk. Regulation: OH 25/50/25. Saving: up to $313/year.
| Monthly Average Premium | $145 |
| Annual Average Premium | $1,740 |
| Primary Risk Factor | I-75 Northwest Ohio Industrial Corridor and Allen County Manufacturing Vehicle Risk |
| Governing Regulation | Ohio Minimum Liability 25/50/25 |
| Recommended Carrier (2026) | Progressive |
| Estimated Annual Saving (via comparison) | Up to $313 |
How to Find the Cheapest Car Insurance in Lima?
Finding affordable coverage in Lima requires a forensic look at 2026 risk factors. Drivers can often secure lower rates by leveraging local legislative credits, increasing deductibles to $1,000, or using the Newcomer History Bridge to port foreign driving records into the Ohio system.