Car Insurance in Findlay, OH
Not every Findlay driver has the same habits on I-75. 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 Findlay?
The average estimated cost of Lemonade car insurance in Findlay ranges from roughly $1,680 to $1,740 per year*, depending on factors like your age, driving history, car type, and location.
| City | Average annual cost |
|---|---|
| North Baltimore | $1,320 to $1,380 |
| Bloomdale | $1,680 to $1,740 |
| Cygnet | $1,500 to $1,560 |
| Jerry City | $1,740 to $1,800 |
How can I get cheaper car insurance in Findlay?
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 Findlay?
Every Findlay 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 Findlay?
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 Findlay?
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.
What are Findlay drivers driving?
Next time you’re stuck on I-75 through downtown Findlay during rush hour, play along.
Here are the nine makes you’re most likely to spot on Findlay roads, according to our data.
Beyond Findlay: car insurance across Ohio
Findlay car insurance FAQs
What happens if you drive without insurance in Findlay, Ohio?
Ohio law requires all drivers to carry at least the state minimum liability coverage, and getting caught without it in Findlay can mean fines, a suspended license, and even vehicle impoundment. Reinstatement fees and higher insurance rates down the road make skipping coverage a costly gamble. It’s one of those situations where the short-term savings really aren’t worth it.
How does Findlay's weather affect car insurance?
Findlay winters can be rough, with heavy snow and ice on roads like Tiffin Avenue and US-224 making accidents and vehicle damage more common from November through March. Comprehensive coverage can help cover weather-related damage like a fallen tree limb or a fender bender on an icy street. If you want protection that goes beyond collisions, it’s worth looking at what comprehensive and collision coverage can do for you.
Is car insurance more expensive for younger drivers in Findlay?
Younger drivers do tend to pay more for car insurance, but safe driving habits can actually bring that cost down more than your age alone would suggest. The good news is that not every young driver in Findlay is stuck paying the highest possible rate. Building a clean record early is one of the best ways to keep your premiums reasonable as you get more experience behind the wheel.
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 injuries may not be covered at all if you only carry the baseline. Adding collision coverage helps with repairs to your own car after an accident, while comprehensive covers things like theft, hail, or a deer running into you on one of Findlay’s rural roads. Many drivers also add medical payments coverage to help with healthcare costs after a crash, regardless of who was at fault.
What should you do after a car accident in Findlay?
First, make sure everyone is safe and call 911 if there are any injuries or significant property damage, since Ohio law requires reporting accidents that meet certain thresholds. Exchange information with the other driver, document the scene with photos, and get a copy of the police report if one is filed. Then reach out to your insurance provider as soon as you can to start the claims process before details get fuzzy.
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. Vehicle make rankings reflect active Lemonade Car policyholders in Ohio as of August 2026, based on Lemonade’s internal data. All figures are based on Lemonade’s internal claims data, intended for illustrative purposes only, and may not be representative of all Ohio drivers or the broader insurance market.
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