Best Cheap Auto Insurance in Bluffton, OH (2021)

The average Bluffton, OH auto insurance rates are $201 per month. The minimum auto insurance in Bluffton is at least 25/50/25 in coverage to comply with Ohio auto insurance laws. To find the best cheap auto insurance in Bluffton, Ohio, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 2021

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Things to Remember

  • The cheapest auto insurance company in Bluffton is American Family
  • The average commute length in Bluffton is 19.2 minutes
  • The minimum auto insurance required in Bluffton, Ohio is 25/50/25

Bluffton, Ohio auto insurance requirements are 25/50/25 according to Ohio auto insurance laws. Finding cheap auto insurance in Bluffton can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Bluffton, Ohio, including driving record, credit, commute time, and more.

Compare auto insurance in Bluffton to other Ohio cities, including Canton auto insurance rates, Dayton auto insurance rates, and Toledo auto insurance rates to see how Bluffton, Ohio auto insurance rates stack up.

Before you buy Bluffton, Ohio auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Bluffton, Ohio auto insurance quotes.

Minimum Auto Insurance in Bluffton, Ohio

Bluffton, Ohio auto insurance laws require that you have at least the Ohio minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Bluffton, Ohio.

Minimum Required Auto Insurance Coverage in Bluffton, 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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Cheap Bluffton, Ohio Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Bluffton, Ohio are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Bluffton, 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 $1,815 $1,808 $1,636 $1,748 $4,975 $5,701 $1,910 $2,040
American Family $848 $879 $769 $773 $2,466 $2,672 $1,040 $1,093
Farmers $1,541 $1,533 $1,359 $1,432 $6,681 $6,918 $1,728 $1,807
GEICO $1,228 $1,195 $1,153 $1,164 $3,279 $3,053 $1,362 $1,157
Liberty Mutual $1,581 $1,724 $1,222 $1,481 $8,139 $9,191 $1,682 $1,836
Nationwide $1,987 $1,997 $1,795 $1,808 $5,059 $6,518 $2,128 $2,474
Progressive $1,561 $1,469 $1,302 $1,344 $6,958 $7,831 $1,862 $1,926
State Farm $1,265 $1,265 $1,131 $1,131 $3,927 $4,930 $1,469 $1,686
Travelers $1,257 $1,276 $1,247 $1,242 $5,411 $8,570 $1,310 $1,491
USAA $826 $833 $785 $785 $2,525 $2,812 $1,102 $1,191

Cheap Bluffton, Ohio Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Bluffton, Ohio is a challenge. Take a look at the annual teen auto insurance rates in Bluffton, Ohio.

Annual Auto Insurance Rates for Teen Drivers in Bluffton, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $4,975 $5,701
American Family $2,466 $2,672
Farmers $6,681 $6,918
GEICO $3,279 $3,053
Liberty Mutual $8,139 $9,191
Nationwide $5,059 $6,518
Progressive $6,958 $7,831
State Farm $3,927 $4,930
Travelers $5,411 $8,570
USAA $2,525 $2,812

Cheap Bluffton, Ohio Auto Insurance for Seniors

What are senior auto insurance rates in Bluffton, Ohio? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Bluffton, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,636 $1,748
American Family $769 $773
Farmers $1,359 $1,432
GEICO $1,153 $1,164
Liberty Mutual $1,222 $1,481
Nationwide $1,795 $1,808
Progressive $1,302 $1,344
State Farm $1,131 $1,131
Travelers $1,247 $1,242
USAA $785 $785

Cheap Bluffton, Ohio Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Bluffton, Ohio compared to the annual auto insurance rates with a clean record in Bluffton, Ohio.

Annual Bluffton, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,281 $2,746 $3,216 $2,574
American Family $1,264 $1,335 $1,335 $1,335
Farmers $2,369 $3,051 $2,975 $3,105
GEICO $1,156 $1,664 $2,408 $1,568
Liberty Mutual $2,826 $3,616 $3,696 $3,291
Nationwide $2,384 $3,028 $3,836 $2,634
Progressive $2,614 $3,554 $2,786 $3,171
State Farm $1,915 $2,286 $2,101 $2,101
Travelers $2,013 $2,617 $3,940 $2,333
USAA $1,045 $1,398 $1,829 $1,157

Cheap Bluffton, Ohio Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Bluffton, Ohio is not easy. Compare the annual rates for DUI auto insurance in Bluffton, Ohio to find the best deal.

Annual Auto Insurance Rates After a DUI in Bluffton, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,216
American Family $1,335
Farmers $2,975
GEICO $2,408
Liberty Mutual $3,696
Nationwide $3,836
Progressive $2,786
State Farm $2,101
Travelers $3,940
USAA $1,829

Cheap Bluffton, Ohio Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Bluffton, Ohio annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Bluffton, Ohio

Insurance Company Poor Fair Good
Allstate $3,463 $2,530 $2,120
American Family $1,743 $1,196 $1,014
Farmers $3,259 $2,748 $2,617
GEICO $2,035 $1,699 $1,363
Liberty Mutual $4,802 $2,951 $2,319
Nationwide $3,582 $2,889 $2,442
Progressive $3,402 $2,943 $2,749
State Farm $2,992 $1,850 $1,459
Travelers $3,045 $2,653 $2,480
USAA $1,762 $1,247 $1,063

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Cheap Bluffton, Ohio Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Bluffton, Ohio can vary. Compare the annual cost of auto insurance by ZIP code in Bluffton, Ohio to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Bluffton, Ohio

ZIP Code Average Annual Rates
45817 $2,319

Cheap Bluffton, Ohio Auto Insurance Rates By Commute

Commute length and annual mileage affect Bluffton, Ohio auto insurance. Find the cheapest annual Bluffton, Ohio auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Bluffton, Ohio

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $2,704 $2,704
American Family $1,302 $1,333
Farmers $2,875 $2,875
GEICO $1,669 $1,728
Liberty Mutual $3,357 $3,357
Nationwide $2,971 $2,971
Progressive $3,031 $3,031
State Farm $2,049 $2,152
Travelers $2,726 $2,726
USAA $1,306 $1,409

Cheap Bluffton, Ohio Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Bluffton, Ohio? Check out the comparison of annual Bluffton, Ohio auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Bluffton, Ohio

Insurance Company Low Medium High
Allstate $2,629 $2,700 $2,784
American Family $1,297 $1,327 $1,329
Farmers $2,735 $2,836 $3,054
GEICO $1,645 $1,691 $1,760
Liberty Mutual $3,233 $3,373 $3,466
Nationwide $3,285 $2,879 $2,748
Progressive $2,903 $3,003 $3,189
State Farm $2,001 $2,106 $2,194
Travelers $2,646 $2,762 $2,768
USAA $1,300 $1,356 $1,416

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Best By Category: Cheapest Auto Insurance in Bluffton, Ohio

Compare the cheapest auto insurance companies in Bluffton, Ohio in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Bluffton, Ohio

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

The Cheapest Bluffton, Ohio Auto Insurance Companies

What auto insurance companies in Bluffton, Ohio are the cheapest? Compare the top Bluffton, Ohio auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Bluffton, Ohio

Insurance Company Average Annual Rates
Allstate $2,704
American Family $1,317
Farmers $2,875
GEICO $1,699
Liberty Mutual $3,357
Nationwide $2,971
Progressive $3,031
State Farm $2,101
Travelers $2,726
USAA $1,357

What affects auto insurance rates in Bluffton, Ohio?

There are a lot of reasons why auto insurance rates in Bluffton, Ohio are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Bluffton, Ohio. Many local factors may affect your Bluffton auto insurance rates.

Bluffton Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Bluffton, Ohio auto theft statistics, there have been 1 auto thefts in the city.

Bluffton Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Bluffton, Ohio commute length is 19.2 minutes according to City-Data.

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Compare Bluffton, Ohio Auto Insurance Quotes

Before you buy Bluffton, Ohio auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Bluffton, Ohio auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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