Car Insurance in Boardman, OH
Not every Boardman driver has the same habits on Market Street. The careful ones, the smooth brakers, the ones who keep their phone face down and their eyes on the road?
Lemonade notices. And prices you accordingly.
How much does car insurance cost in Boardman?
The average estimated cost of Lemonade car insurance in Boardman ranges from roughly $1,860 to $1,920 per year*, depending on factors like your age, driving history, car type, and location.
| City | Average annual cost |
|---|---|
| Columbus | $1,860 to $1,920 |
| Cincinnati | $1,800 to $1,860 |
| Cleveland | $1,920 to $1,980 |
| Dayton | $1,740 to $1,800 |
How can I get cheaper car insurance in Boardman?
The savings don’t stop at signup. Here’s what else is on the table.
Bundle discounts
The more you bundle with Lemonade, the more you save. Car, renters, homeowners, pet, and more.
Safe driving
The safer you drive, the lower your premium. We look at things like speed, braking, and how smoothly you take turns.
Hybrid/EV discount
Got a hybrid or EV? We think that’s worth rewarding. You’ll get a lower rate, automatically.
What is the minimum car insurance
required in Boardman?
Every Boardman driver needs to carry a minimum level of coverage to legally drive.
Here’s exactly what the state requires.
| Required minimum coverages for Ohio drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $25,000 (per person)/ $50,000 (per accident) |
| Property damage liability | $25,000 |
What additional car insurance coverages
does Lemonade offer in Boardman?
The state minimum covers the basics. These coverages help fill in the gaps.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read moreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read moreMedical payments coverage (aka MedPay)
Medical expenses for you or a passenger in your car after a crash- like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Read moreUninsured / underinsured motorist bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read moreUninsured / underinsured motorist property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read moreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read moreWhat’s the best car insurance in Boardman?
Better pricing. Faster claims. Perks that actually matter.
Here’s what you get when your insurer is built on tech, not paperwork.
Priced for you
Most insurers average you in with everyone else. We don’t. Your price is built around how you drive. Not the driver next to you.
No hold music
Buy a policy, add a car, file a claim, update your coverage. All from the app, all in minutes.
Claims, not chaos
Open the app, tell us what’s going on, and we’ll take it from there. Fast, clear, and no runaround.
Beyond Boardman: car insurance across Ohio
Boardman car insurance FAQs
What happens if you drive without insurance in Boardman, OH?
Ohio law requires all drivers to carry at least the state minimum liability coverage, and getting caught without it in Boardman can mean fines, a license suspension, and having your registration canceled. If you cause an accident while uninsured, you’re also personally on the hook for the other driver’s medical bills and repairs. It’s one of those situations where the cost of skipping coverage far outweighs the cost of having it.
How does Boardman's winter weather affect your car insurance?
Boardman sits in the Mahoning Valley and gets its share of lake-effect snow, icy roads, and winter storms that can make driving genuinely tricky from November through March. Comprehensive and collision coverage can be real lifesavers here, covering damage from sliding on ice, hitting a guardrail, or a tree branch coming down under heavy snow. If you’re only carrying Ohio’s state minimum, those kinds of incidents won’t be covered.
Is car insurance more expensive for younger drivers in Boardman?
Younger drivers do tend to pay more for car insurance, but safe driving habits can bring that number down more than most people expect. The good news is that your rate isn’t locked to your age alone, and young drivers who keep a clean record can pay significantly less than the stereotype suggests. It’s worth getting a quote to see where you actually land.
What coverage options go beyond Ohio's state minimum?
Ohio’s minimum only covers liability, meaning damage you cause to others, so your own car and your own medical costs aren’t included. Adding collision coverage helps pay for repairs to your car after an accident, while comprehensive covers things like theft, a fallen tree, or a deer strike, all pretty real possibilities around Boardman. Many drivers also add medical payments coverage for extra protection if someone in your car gets hurt.
What should you do after a car accident in Boardman, OH?
First, make sure everyone is safe and call 911 if there are any injuries or significant damage, since Ohio law requires you to report accidents that involve injury or property damage above a certain threshold. Exchange insurance and contact information with the other driver, and take photos of the scene, the damage, and any relevant road conditions. Then reach out to your insurance provider as soon as possible to start your claim while the details are still fresh.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states. Lemonade Insurance analyzed policy rates to calculate average car premiums from Sept 2025 through August 2026. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances.
Continue Reading
How Much Does Car Insurance Cost in 2026?
Let’s dig into the factors that impact car insurance rates.
Pay Per Mile Car Insurance, Explained
Have stellar driving habits and spend less time behind the wheel than the average driver? Pay per mile car insurance could be a great fit.
Car Insurance for Electric Cars
We reward drivers for the environment-friendly driving choices they’re already making. Here are some of the perks.
Wooster, OH Car Insurance
Get an auto insurance quote in Wooster
Car Insurance in Westerville
Get an auto insurance quote in Westerville
Car Insurance in Parma
Get an auto insurance quote in Parma