Buy Cheap Urbana, OH Auto Insurance (2022)

Urbana, OH auto insurance rates average $225 a month. Minimum auto insurance requirements in Urbana, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Urbana, OH, compare Urbana auto insurance quotes from top companies.

Compare Quotes Now

secured lock Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: May 10, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • The most expensive auto insurance company in Urbana is Liberty Mutual
  • The most expensive auto insurance company in Urbana after a DUI is Travelers
  • Average auto insurance rates in Urbana, OH after a DUI are $3,136/year

Finding affordable Urbana, Ohio auto insurance can be challenging, but everything you need to know to buy cheap Urbana, OH auto insurance with confidence is right here. Auto insurance rates in Urbana are affected by local factors as well as personal ones like your driving record.

See how Urbana, OH car insurance rates compare to Lorain auto insurance rates, Parma auto insurance rates, and Hamilton auto insurance rates before you read more about the cost of auto insurance in Urbana.

Don’t buy Urbana, OH auto insurance until you’ve compared rates. Get free Urbana, Ohio auto insurance quotes when you enter your ZIP code above.

Urbana, OH Minimum Auto Insurance Requirements

The required auto insurance in Urbana, OH is 25/50/25 according to the auto insurance laws in Ohio. The minimum auto insurance in Urbana, Ohio is outlined here.

Minimum Required Auto Insurance Coverage in Urbana, 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

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Find Cheap Urbana, OH Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Urbana, OH. Take a look at Urbana, Ohio auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Urbana, Ohio

Insurance Company Poor Fair Good
Allstate $3,824 $2,784 $2,327
American Family $1,848 $1,263 $1,069
Farmers $3,758 $3,166 $3,015
GEICO $2,214 $1,847 $1,479
Liberty Mutual $5,452 $3,348 $2,626
Nationwide $3,855 $3,106 $2,623
Progressive $3,887 $3,351 $3,127
State Farm $3,544 $2,190 $1,726
Travelers $3,440 $2,994 $2,796
USAA $1,853 $1,311 $1,118

Buy Cheap Urbana, OH Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Urbana, Ohio auto insurance rates? Find out how car insurance rates in Urbana, OH are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Urbana, 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 $1,996 $1,990 $1,799 $1,923 $5,491 $6,282 $2,101 $2,246
American Family $880 $912 $802 $805 $2,646 $2,871 $1,087 $1,143
Farmers $1,766 $1,759 $1,557 $1,642 $7,723 $8,003 $1,981 $2,073
GEICO $1,332 $1,297 $1,243 $1,249 $3,576 $3,337 $1,479 $1,262
Liberty Mutual $1,775 $1,935 $1,368 $1,657 $9,292 $10,495 $1,886 $2,061
Nationwide $2,133 $2,144 $1,925 $1,939 $5,448 $7,025 $2,286 $2,660
Progressive $1,795 $1,698 $1,493 $1,542 $7,869 $8,866 $2,153 $2,225
State Farm $1,506 $1,506 $1,343 $1,343 $4,629 $5,821 $1,747 $2,001
Travelers $1,419 $1,440 $1,412 $1,403 $6,123 $9,650 $1,480 $1,688
USAA $865 $872 $823 $822 $2,667 $2,969 $1,155 $1,248

Buy Cheap Urbana, OH Auto Insurance for Teen Drivers

Auto insurance for teenagers in Urbana can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Urbana, OH are listed here.

Annual Auto Insurance Rates for Teen Drivers in Urbana, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,491 $6,282
American Family $2,646 $2,871
Farmers $7,723 $8,003
GEICO $3,576 $3,337
Liberty Mutual $9,292 $10,495
Nationwide $5,448 $7,025
Progressive $7,869 $8,866
State Farm $4,629 $5,821
Travelers $6,123 $9,650
USAA $2,667 $2,969

Buy Cheap Urbana, OH Auto Insurance for Seniors

You can save on senior auto insurance rates in Urbana, Ohio by comparing Urbana senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Urbana, OH here.

Annual Auto Insurance Rates for Senior Drivers in Urbana, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,799 $1,923
American Family $802 $805
Farmers $1,557 $1,642
GEICO $1,243 $1,249
Liberty Mutual $1,368 $1,657
Nationwide $1,925 $1,939
Progressive $1,493 $1,542
State Farm $1,343 $1,343
Travelers $1,412 $1,403
USAA $823 $822

Find Cheap Auto Insurance Rates in Urbana, OH by Coverage Level

The amount of coverage you choose is a big factor in the cost of Urbana, Ohio auto insurance. Compare Urbana, OH auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Urbana, Ohio

Insurance Company Low Medium High
Allstate $2,885 $2,973 $3,077
American Family $1,371 $1,403 $1,405
Farmers $3,146 $3,263 $3,529
GEICO $1,794 $1,839 $1,907
Liberty Mutual $3,669 $3,825 $3,931
Nationwide $3,541 $3,096 $2,948
Progressive $3,333 $3,428 $3,604
State Farm $2,371 $2,494 $2,596
Travelers $2,997 $3,117 $3,117
USAA $1,368 $1,426 $1,489

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Find Cheap Urbana, OH Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Urbana. Compare auto insurance rates in Urbana, OH by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Urbana, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,978 $2,978
American Family $1,377 $1,410
Farmers $3,313 $3,313
GEICO $1,815 $1,879
Liberty Mutual $3,809 $3,809
Nationwide $3,195 $3,195
Progressive $3,455 $3,455
State Farm $2,426 $2,548
Travelers $3,077 $3,077
USAA $1,374 $1,481

Find Cheap Urbana, OH Auto Insurance Rates by Driving Record

Auto insurance rates in Urbana, Ohio are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Urbana, OH, take a look at the average cost for various violations versus rates for a clean driving record in Urbana.

Annual Urbana, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,508 $3,027 $3,545 $2,833
American Family $1,336 $1,412 $1,412 $1,412
Farmers $2,730 $3,516 $3,429 $3,578
GEICO $1,256 $1,811 $2,612 $1,709
Liberty Mutual $3,203 $4,104 $4,194 $3,734
Nationwide $2,561 $3,257 $4,131 $2,831
Progressive $2,980 $4,045 $3,173 $3,622
State Farm $2,270 $2,704 $2,487 $2,487
Travelers $2,264 $2,953 $4,456 $2,635
USAA $1,098 $1,471 $1,926 $1,216

Find Cheap Urbana, OH Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Urbana, Ohio is higher than for a clean driving record. You can buy auto insurance after a DUI in Urbana for less when you shop around and compare rates from multiple Urbana, OH auto insurance companies.

Annual Auto Insurance Rates After a DUI in Urbana, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,545
American Family $1,412
Farmers $3,429
GEICO $2,612
Liberty Mutual $4,194
Nationwide $4,131
Progressive $3,173
State Farm $2,487
Travelers $4,456
USAA $1,926

Winners by Category: Where to Buy Cheap Auto Insurance in Urbana, OH

Compare rates from the cheapest auto insurance companies in Urbana, OH for your needs. Take a look at how Urbana, Ohio auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Urbana, 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

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Find Cheap Urbana, Ohio Auto Insurance Companies

If you’re looking for the cheapest Urbana, OH auto insurance companies overall, you can compare them here. Find the best price for Urbana, Ohio car insurance by company.

Average Annual Auto Insurance Rates by Company in Urbana, Ohio

Insurance Company Average Annual Rates
Allstate $2,978
American Family $1,393
Farmers $3,313
GEICO $1,847
Liberty Mutual $3,809
Nationwide $3,195
Progressive $3,455
State Farm $2,487
Travelers $3,077
USAA $1,427

What affects Urbana, Ohio auto insurance rates?

Local factors affect auto insurance rates in Urbana, OH, including traffic, theft statistics, and commute length. Take a look at the things that impact Urbana auto insurance rates.

Auto Theft in Urbana

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Urbana, OH auto theft show a total of 10 vehicle thefts annually.

Commute Times in Urbana

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Urbana, OH is 18.6 minutes according to City-Data.

Compare Auto Insurance Quotes in Urbana, OH

You can buy cheap Urbana, OH auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Urbana, Ohio auto insurance quotes from top companies.

Compare Quotes Now

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption