Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • The annual number of car thefts in Defiance is 13.
  • Average car insurance rates in Defiance, OH are $210/month
  • The cheapest car insurance company in Defiance for teen drivers is American Family

Average car insurance rates in Defiance, Ohio are $210 a month. But with a little research you can get a great deal from the top car insurance companies in Defiance, OH. Before you buy Defiance, Ohio car insurance, make sure your coverage meets or exceeds the Ohio minimum of 25/50/25.

It may even be helpful to compare Defiance car insurance rates with Cincinnati car insurance rates, Cleveland car insurance rates, or Canton car insurance rates to make sure you’re getting the best Defiance, OH car insurance quotes available.

Need affordable Defiance, OH car insurance? Enter your ZIP code to compare Defiance car insurance quotes from multiple car insurance companies near you.

Defiance, OH Minimum Car Insurance Coverage

Defiance, Ohio law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Defiance, Ohio

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Defiance, OH Car Insurance Rates by Coverage Level

Some Defiance drivers can get by with the Ohio minimum coverage of 25/50/25. Other drivers may need more. See how much your Defiance, Ohio car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Defiance, Ohio

Insurance Company Low Medium High
Allstate $2,730 $2,810 $2,906
American Family $1,352 $1,385 $1,389
Farmers $2,954 $3,060 $3,295
GEICO $1,645 $1,691 $1,760
Liberty Mutual $3,864 $4,043 $4,165
Nationwide $3,140 $2,760 $2,641
Progressive $3,080 $3,183 $3,373
State Farm $1,937 $2,037 $2,121
Travelers $2,646 $2,762 $2,768
USAA $1,323 $1,379 $1,440

Defiance, OH Car Insurance Rates by Age, Gender, and Marital Status

Defiance, Ohio car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Defiance, OH car insurance, get quotes from multiple car insurance companies in the Defiance area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Defiance, Ohio

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,893 $1,888 $1,706 $1,823 $5,172 $5,918 $1,992 $2,130
American Family $898 $934 $808 $816 $2,539 $2,762 $1,095 $1,153
Farmers $1,658 $1,651 $1,461 $1,539 $7,217 $7,482 $1,862 $1,952
GEICO $1,228 $1,195 $1,153 $1,164 $3,279 $3,053 $1,362 $1,157
Liberty Mutual $1,883 $2,055 $1,450 $1,764 $9,795 $11,059 $2,002 $2,184
Nationwide $1,911 $1,921 $1,726 $1,740 $4,827 $6,223 $2,048 $2,381
Progressive $1,657 $1,561 $1,381 $1,426 $7,358 $8,286 $1,980 $2,047
State Farm $1,233 $1,233 $1,099 $1,099 $3,775 $4,745 $1,430 $1,638
Travelers $1,257 $1,276 $1,247 $1,242 $5,411 $8,570 $1,310 $1,491
USAA $839 $846 $798 $797 $2,571 $2,863 $1,119 $1,210

Defiance, OH Car Insurance Rates for Teens

How much is Defiance, Ohio car insurance for teens? Compare rates from top Defiance car insurance companies below to help find the cheapest teen car insurance in Defiance, OH.

Annual Car Insurance Rates for Teen Drivers in Defiance, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,172 $5,918
American Family $2,539 $2,762
Farmers $7,217 $7,482
GEICO $3,279 $3,053
Liberty Mutual $9,795 $11,059
Nationwide $4,827 $6,223
Progressive $7,358 $8,286
State Farm $3,775 $4,745
Travelers $5,411 $8,570
USAA $2,571 $2,863

Defiance, OH Car Insurance Rates for Seniors

Before seniors buy Defiance, Ohio car insurance, they should make sure to shop around. Some Defiance, OH car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Defiance, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,706 $1,823
American Family $808 $816
Farmers $1,461 $1,539
GEICO $1,153 $1,164
Liberty Mutual $1,450 $1,764
Nationwide $1,726 $1,740
Progressive $1,381 $1,426
State Farm $1,099 $1,099
Travelers $1,247 $1,242
USAA $798 $797

Defiance, OH Car Insurance Rates by Credit History

How does your credit history affect Defiance, OH car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Defiance, Ohio

Insurance Company Poor Fair Good
Allstate $3,610 $2,632 $2,204
American Family $1,818 $1,248 $1,060
Farmers $3,518 $2,966 $2,824
GEICO $2,035 $1,699 $1,363
Liberty Mutual $5,761 $3,536 $2,775
Nationwide $3,431 $2,769 $2,341
Progressive $3,606 $3,117 $2,912
State Farm $2,894 $1,790 $1,411
Travelers $3,045 $2,653 $2,480
USAA $1,792 $1,268 $1,081

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Defiance, OH Car Insurance Rates by Driver History

How does a single speeding ticket affect your Defiance, Ohio car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Defiance.

Annual Defiance, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,374 $2,862 $3,345 $2,679
American Family $1,319 $1,394 $1,394 $1,394
Farmers $2,556 $3,292 $3,210 $3,353
GEICO $1,156 $1,664 $2,408 $1,568
Liberty Mutual $3,382 $4,339 $4,432 $3,943
Nationwide $2,285 $2,902 $3,677 $2,525
Progressive $2,770 $3,764 $2,951 $3,362
State Farm $1,855 $2,208 $2,032 $2,032
Travelers $2,013 $2,617 $3,940 $2,333
USAA $1,062 $1,422 $1,861 $1,176

Defiance, OH Car Insurance Rates With a DUI

Even a single DUI can increase your Defiance, OH car insurance rates. Compare rates below to see which Defiance car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Defiance, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,345
American Family $1,394
Farmers $3,210
GEICO $2,408
Liberty Mutual $4,432
Nationwide $3,677
Progressive $2,951
State Farm $2,032
Travelers $3,940
USAA $1,861

Defiance, OH Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Defiance, OH car insurance rates may be. Let’s take a look at average car insurance rates from top Defiance companies based on commute time.

Annual Car Insurance Rates by Commute Length in Defiance, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,815 $2,815
American Family $1,359 $1,392
Farmers $3,103 $3,103
GEICO $1,669 $1,728
Liberty Mutual $4,024 $4,024
Nationwide $2,847 $2,847
Progressive $3,212 $3,212
State Farm $1,982 $2,081
Travelers $2,726 $2,726
USAA $1,328 $1,433

Defiance, OH Cheapest Car Insurance Rates

How do the top Defiance, Ohio car insurance companies’ average rates stack up against the Defiance average monthly car insurance rates of $210? Take a look and see.

Best Annual Car Insurance Rates by Company in Defiance, Ohio

Category Insurance Company
Teenagers American Family
Seniors USAA
Clean Record USAA
With 1 Accident American Family
With 1 DUI American Family
With 1 Speeding Violation USAA

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Defiance, OH Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Defiance, Ohio car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Defiance, Ohio

Insurance Company Average Annual Rates
Allstate $2,815
American Family $1,375
Farmers $3,103
GEICO $1,699
Liberty Mutual $4,024
Nationwide $2,847
Progressive $3,212
State Farm $2,032
Travelers $2,726
USAA $1,380

Other Factors Affecting Defiance, OH Car Insurance Rates

Before you buy Defiance, Ohio car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Defiance, OH Car Theft Rates

The car theft rate in Defiance, OH will affect your car insurance rates. FBI data shows that the annual car theft rate for Defiance, Ohio is 13 stolen cars.

Defiance, OH Commute Time

How does your Defiance, OH commute time compare with the average driver? In Defiance, the average commute is 18.6 minutes.

Defiance, OH Car Insurance Quotes

Compare Defiance, OH car insurance quotes from multiple companies by entering your ZIP code now.