Best Cheap Auto Insurance in Fairborn, OH (2021)

The average Fairborn, OH auto insurance rates are $225 per month. The minimum auto insurance in Fairborn is at least 25/50/25 in coverage to comply with Ohio auto insurance laws. To find the best cheap auto insurance in Fairborn, 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: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Fairborn, OH for senior drivers are $1,396 per year
  • The most expensive auto insurance company in Fairborn for teen drivers is Liberty Mutual
  • The cheapest auto insurance company in Fairborn is USAA

Fairborn, Ohio auto insurance requirements are 25/50/25 according to Ohio auto insurance laws. Finding cheap auto insurance in Fairborn 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 Fairborn, Ohio, including driving record, credit, commute time, and more.

Compare auto insurance in Fairborn to other Ohio cities, including Cincinnati auto insurance rates, Parma auto insurance rates, and Dayton auto insurance rates to see how Fairborn, Ohio auto insurance rates stack up.

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

Minimum Auto Insurance in Fairborn, Ohio

Fairborn, 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 Fairborn, Ohio.

Minimum Required Auto 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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Cheap Fairborn, Ohio Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Fairborn, 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 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

Cheap Fairborn, Ohio Auto Insurance for Teen Drivers

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

Annual Auto 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

Cheap Fairborn, Ohio Auto Insurance for Seniors

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

Annual Auto 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

Cheap Fairborn, 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 Fairborn, Ohio compared to the annual auto insurance rates with a clean record in Fairborn, Ohio.

Annual Fairborn, Ohio Auto 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

Cheap Fairborn, Ohio Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Fairborn, Ohio

Insurance Company Annual Auto 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

Cheap Fairborn, Ohio Auto Insurance By Credit History

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

Annual Auto 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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Cheap Fairborn, Ohio Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Fairborn, Ohio

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Fairborn, Ohio Auto Insurance Rates By Coverage Level

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

Annual Auto 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

Best By Category: Cheapest Auto Insurance in Fairborn, Ohio

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

Best Annual Auto 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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The Cheapest Fairborn, Ohio Auto Insurance Companies

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

Average Annual Auto 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

What affects auto insurance rates in Fairborn, Ohio?

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

Fairborn Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Fairborn, Ohio auto theft statistics, there have been 35 auto thefts in the city.

Fairborn Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fairborn, Ohio commute length is 20.8 minutes according to City-Data.

Compare Fairborn, Ohio Auto Insurance Quotes

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