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: Aug 2, 2021

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Just What's Essential

  • The cheapest car insurance company in Fairborn for teen drivers is USAA
  • Average car insurance rates in Fairborn, OH are $225/month
  • Average car insurance rates in Fairborn, OH for senior drivers are $1,396/year

Average car insurance rates in Fairborn, Ohio are $225 a month. But with a little research you can get a great deal from the top car insurance companies in Fairborn, OH. Before you buy Fairborn, Ohio car insurance, make sure your coverage meets or exceeds the Ohio minimum of 25/50/25.

It may even be helpful to compare Fairborn car insurance rates with Akron car insurance rates, Columbus car insurance rates, or Toledo car insurance rates to make sure you’re getting the best Fairborn, OH car insurance quotes available.

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

Fairborn, OH Minimum Car Insurance Coverage

Fairborn, 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 Fairborn, 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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Fairborn, OH Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Fairborn, Ohio

Insurance Company Low Medium High
Allstate $2,867 $2,959 $3,070
American Family $1,536 $1,581 $1,592
Farmers $3,095 $3,224 $3,516
GEICO $1,645 $1,693 $1,764
Liberty Mutual $3,991 $4,160 $4,270
Nationwide $3,690 $3,232 $3,083
Progressive $3,102 $3,205 $3,394
State Farm $2,384 $2,522 $2,635
Travelers $2,802 $2,915 $2,916
USAA $1,356 $1,414 $1,476

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Fairborn, 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 $1,969 $1,955 $1,784 $1,904 $5,534 $6,334 $2,056 $2,187
American Family $961 $996 $889 $890 $3,062 $3,315 $1,191 $1,253
Farmers $1,716 $1,713 $1,510 $1,596 $7,730 $8,035 $1,922 $2,003
GEICO $1,227 $1,193 $1,156 $1,169 $3,287 $3,057 $1,362 $1,153
Liberty Mutual $1,915 $2,087 $1,474 $1,788 $10,151 $11,460 $2,031 $2,218
Nationwide $2,222 $2,233 $2,005 $2,019 $5,697 $7,347 $2,382 $2,773
Progressive $1,642 $1,538 $1,371 $1,416 $7,491 $8,422 $1,961 $2,029
State Farm $1,498 $1,498 $1,345 $1,345 $4,735 $5,949 $1,742 $1,996
Travelers $1,330 $1,350 $1,324 $1,315 $5,719 $9,013 $1,387 $1,582
USAA $853 $859 $814 $811 $2,660 $2,957 $1,139 $1,230

Fairborn, OH Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Fairborn, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,534 $6,334
American Family $3,062 $3,315
Farmers $7,730 $8,035
GEICO $3,287 $3,057
Liberty Mutual $10,151 $11,460
Nationwide $5,697 $7,347
Progressive $7,491 $8,422
State Farm $4,735 $5,949
Travelers $5,719 $9,013
USAA $2,660 $2,957

Fairborn, OH Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Fairborn, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,784 $1,904
American Family $889 $890
Farmers $1,510 $1,596
GEICO $1,156 $1,169
Liberty Mutual $1,474 $1,788
Nationwide $2,005 $2,019
Progressive $1,371 $1,416
State Farm $1,345 $1,345
Travelers $1,324 $1,315
USAA $814 $811

Fairborn, OH Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Fairborn, Ohio

Insurance Company Poor Fair Good
Allstate $3,801 $2,778 $2,317
American Family $2,080 $1,422 $1,206
Farmers $3,709 $3,138 $2,988
GEICO $2,037 $1,700 $1,364
Liberty Mutual $5,925 $3,642 $2,854
Nationwide $4,026 $3,242 $2,737
Progressive $3,618 $3,142 $2,941
State Farm $3,582 $2,214 $1,745
Travelers $3,217 $2,800 $2,616
USAA $1,836 $1,301 $1,109

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Fairborn, OH Car Insurance Rates by Driver History

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

Annual Fairborn, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,484 $3,009 $3,550 $2,818
American Family $1,504 $1,591 $1,591 $1,591
Farmers $2,702 $3,483 $3,397 $3,529
GEICO $1,155 $1,665 $2,417 $1,565
Liberty Mutual $3,479 $4,465 $4,558 $4,059
Nationwide $2,672 $3,400 $4,314 $2,954
Progressive $2,785 $3,802 $2,969 $3,379
State Farm $2,287 $2,740 $2,514 $2,514
Travelers $2,119 $2,762 $4,164 $2,465
USAA $1,088 $1,459 $1,910 $1,204

Fairborn, OH Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Fairborn, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,550
American Family $1,591
Farmers $3,397
GEICO $2,417
Liberty Mutual $4,558
Nationwide $4,314
Progressive $2,969
State Farm $2,514
Travelers $4,164
USAA $1,910

Fairborn, OH Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Fairborn, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,965 $2,965
American Family $1,550 $1,589
Farmers $3,278 $3,278
GEICO $1,671 $1,730
Liberty Mutual $4,140 $4,140
Nationwide $3,335 $3,335
Progressive $3,234 $3,234
State Farm $2,451 $2,577
Travelers $2,878 $2,878
USAA $1,363 $1,468

Fairborn, OH Cheapest Car Insurance Rates

How do the top Fairborn, Ohio car insurance companies’ average rates stack up against the Fairborn average monthly car insurance rates of $225? Take a look and see.

Best Annual Car Insurance Rates by Company in Fairborn, Ohio

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

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Fairborn, OH Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Fairborn, Ohio

Insurance Company Average Annual Rates
Allstate $2,965
American Family $1,570
Farmers $3,278
GEICO $1,701
Liberty Mutual $4,140
Nationwide $3,335
Progressive $3,234
State Farm $2,514
Travelers $2,878
USAA $1,415

Other Factors Affecting Fairborn, OH Car Insurance Rates

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

Fairborn, OH Car Theft Rates

The car theft rate in Fairborn, OH will affect your car insurance rates. FBI data shows that the annual car theft rate for Fairborn, Ohio is 35 stolen cars.

Fairborn, OH Commute Time

How does your Fairborn, OH commute time compare with the average driver? In Fairborn, the average commute is 20.8 minutes.

Fairborn, OH Car Insurance Quotes

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