For a 40-year-old driver with a clean record, Canton car insurance averages about $134 a month ($1,605 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Ohio average of $137 a month. Progressive has the lowest full-coverage average of the four major insurers we compared (Allstate, Erie, GEICO and Progressive), at about $89 a month.
Canton is priced close to the Ohio average and, with Dayton, is the least expensive of our seven Ohio city guides, at about $134 a month. Our benchmark driver pays about $13 a month less here than in Akron, about 20 miles north.
Our data covers 10 ZIP codes with a Canton mailing address. Prices vary less than in larger Ohio cities, from about $126 a month in 44721 to $139 in 44703.
Cost data comes from the auto rates insurers file with state regulators, priced across all 10 Canton ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Canton, OH?
Full coverage in Canton averages $1,605 a year, or about $134 a month, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $475 a year ($40 a month), and 50/100/50 liability with comprehensive and collision averages $1,606 ($134 a month).
- Full coverage (100/300/100, $500 deductibles): $1,605 a year ($134 a month)
- 50/100/50 with $500 deductibles: $1,606 a year ($134 a month)
- Liability only (15/30/10): $475 a year ($40 a month)
- Stark County: $1,558 a year ($130 a month) for full coverage
- Ohio average: $1,638 a year ($137 a month) for full coverage
- ZIP code range: $126 (44721) to $139 (44703) a month for full coverage
Cheap Car Insurance in Canton: Companies Compared
- Lowest average in our data, full coverage: Progressive, at about $89 a month ($1,070 a year).
- Next lowest: Erie and GEICO, effectively tied at $116 and $118.
- Lowest liability-only average (15/30/10): Progressive, at about $22 a month, then Erie at $30.
- State Farm (Nov. 2025 rates)*: about $118 a month for full coverage, from its November 2025 rates.
- Also on our list: USAA at about $84 a month, Grange at $104, Auto-Owners at $134, Westfield at $148 and Travelers at $187 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $212 a month, $1,472 a year more than Progressive for the same driver and car.
Progressive has the lowest full-coverage average among the four insurers in our Canton rate data. The published 2026 statewide Ohio rate studies we reviewed most often rank Grange or GEICO cheapest for full coverage, apart from USAA, which sells only to military families; others put Travelers or Auto-Owners first. For liability-only coverage at 15/30/10 limits, Progressive has the lowest average among the four major insurers we compared, at about $22 a month, followed by Erie at $30.
Full-coverage averages by insurer in Canton
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $268 | $22 | $1,070 | $89 |
| Erie | $358 | $30 | $1,393 | $116 |
| GEICO | $512 | $43 | $1,415 | $118 |
| Allstate | $763 | $64 | $2,542 | $212 |
| State Farm (Nov. 2025 rates)* | $371 | $31 | $1,418 | $118 |
| USAA (military families)* | $264 | $22 | $1,011 | $84 |
| Grange Insurance* | $268 | $22 | $1,251 | $104 |
| Auto-Owners* | $373 | $31 | $1,613 | $134 |
| Westfield* | $383 | $32 | $1,771 | $148 |
| Travelers* | $680 | $57 | $2,241 | $187 |
| Canton average | $475 | $40 | $1,605 | $134 |
This table uses Canton ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Canton Car Insurance Rates by ZIP Code
Across the 10 Canton ZIP codes we price, full coverage for our driver ranges from about $126 a month in 44721 to $139 in 44703, a gap of $156 a year.
Lowest-priced Canton ZIP codes
Highest-priced Canton ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Canton’s average.
| ZIP Code: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 44703 | $483 | $40 | $1,671 | $139 | +4% |
| 44705 | $490 | $41 | $1,655 | $138 | +3% |
| 44706 | $467 | $39 | $1,576 | $131 | -2% |
| 44707 | $475 | $40 | $1,611 | $134 | About average |
| 44708 | $481 | $40 | $1,588 | $132 | -1% |
| 44709 | $482 | $40 | $1,613 | $134 | About average |
| 44710 | $474 | $40 | $1,599 | $133 | -1% |
| 44714 | $483 | $40 | $1,661 | $138 | +3% |
| 44718 | $466 | $39 | $1,563 | $130 | -3% |
| 44721 | $450 | $38 | $1,515 | $126 | -6% |
Your ZIP code matters
Does Better Coverage Cost More in Canton?
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Canton data: with the same $500 deductibles, full coverage averages $1,605 a year and 50/100/50 averages $1,606. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate and Erie charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Canton?
Not for our benchmark driver. Comparing the same insurers in the same Canton ZIP codes, full coverage averaged $1,706 a year nine months earlier and $1,605 in rates as of Aug. 31, 2026, a 5.9% drop. Progressive cut its Canton average 20.6%, Erie 6.5% and GEICO 2.1%, while Allstate’s average was unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits fell 4.8%, led by Progressive, which cut its liability-only average 25.8%.
What Shapes Car Insurance Costs in Canton
Stark County averages about $130 a month for full coverage, the 48th-most expensive of the 86 Ohio counties we price, so it sits near the middle of the state. Summit County, home to Akron, averages $139.
Nearby Stark County cities cost a bit less than Canton: Massillon averages about $128 a month and North Canton $126. Where you live is one of the factors Ohio insurers use, so your ZIP code can move your price.
How Canton Car Insurance Compares With Other Ohio Cities
More Ohio cities and towns are in the Ohio rates by city table, and you can compare states on our car insurance rates by state page.
Akron, about 20 miles north, averages $147 a month, and Cleveland, about 50 miles north, $158. Columbus averages $161.
What Car Insurance Is Required in Canton?
Drivers in Canton follow Ohio’s rules. Every policy must include at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $25,000 per crash
Uninsured and underinsured motorist coverage is optional in Ohio, and insurers don’t have to include it, so check whether your policy has it. Our Ohio requirements guide covers the details and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Canton
- Compare Progressive, Erie and GEICO first. Progressive has the lowest full-coverage average among the four major insurers we compared in Canton, about $89 a month, and Erie and GEICO are effectively tied for next, at about $116 and $118 a month.
- Quote several insurers. In our Canton data, the lowest and highest insurer averages are about $123 a month apart for the same driver and car.
- Ask about uninsured motorist coverage. It’s optional in Ohio and insurers don’t have to include it, so add it if you want protection when a driver with no insurance or too little insurance injures you.
- Compare at every renewal. Over the past nine months, Progressive has cut its Canton average 20.6%, Erie 6.5% and GEICO 2.1%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
- Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Ohio, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.
Ready to compare
How We Calculated Canton Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 40 full-coverage premiums from four insurers across 10 Canton ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count: our Ohio averages come from four insurers, fewer than in most states, so they can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 15/30/10 limits, with 15/30 uninsured and underinsured motorist coverage and no comprehensive or collision. Ohio’s minimum has been 25/50/25 since December 2013, so our liability-only prices use lower limits than the law requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm isn’t in the August 2026 rates, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Ohio rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Ohio law and the Ohio Department of Insurance. We refresh these figures when new rate data is released.
Canton Car Insurance FAQ
For our benchmark driver, full coverage in Canton averages about $134 a month ($1,605 a year) and liability-only coverage at 15/30/10 limits about $40 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is about the same as the Ohio average of $137 a month.
Progressive has the lowest full-coverage average in our Canton rate data, at about $89 a month, followed by Erie and GEICO, effectively tied at $116 and $118. For liability-only coverage at 15/30/10 limits, Progressive has the lowest average, at about $22 a month. The published 2026 statewide Ohio rate studies we reviewed most often rank Grange or GEICO cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Canton, for our benchmark driver. Canton full coverage averages about $134 a month and Akron about $147, a difference of about $13 a month for the same driver and car.
In our data, 44721 has the lowest full-coverage average in Canton, at about $126 a month, and 44703 the highest, at about $139. The ZIP code table on this page lists all 10.
In our Canton data, full coverage (100/300/100 with $500 deductibles) averages about $134 a month and liability-only coverage at 15/30/10 limits about $40, a difference of about $94 a month ($1,130 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Ohio law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Canton full coverage fell 5.9% over the past nine months, from about $1,706 to $1,605 a year. Progressive cut its Canton average 20.6%, Erie 6.5% and GEICO 2.1%. Liability-only coverage at 15/30/10 limits fell 4.8%.
For our benchmark driver, full coverage in Canton averages about $134 a month. Nearby, Akron averages about $147, Cleveland about $158 and Columbus about $161. Canton is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
