Compare Defiance, OH Car Insurance Rates (2022)

Car insurance in Defiance, OH averages $210 a month. Defiance, Ohio car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Defiance car insurance rates, compare quotes from the top car insurance companies in Defiance, OH.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 22, 2022

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Here's What You Need to Know

  • Average car insurance rates in Defiance, OH after a DUI are $2,925/year
  • The cheapest car insurance company in Defiance for teen drivers is American Family
  • Average car insurance rates in Defiance, OH are $2,521/year

If you need to buy Defiance, Ohio car insurance, the options can be confusing. Everything you need to know about car insurance in Defiance, OH is right here.

You’ll find Defiance car insurance rates, the cheapest Defiance, OH car insurance companies, and information on Ohio car insurance laws. You can also compare Defiance, Ohio car insurance rates to Cincinnati car insurance rates, Parma car insurance rates, and Lorain car insurance rates.

Ready to find affordable Defiance, OH car insurance today? Enter your ZIP code for fast, free Defiance car insurance quotes.

Cheapest Defiance, OH Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Defiance, OH car insurance rates? Every Defiance, Ohio car insurance company weighs these factors differently, so check out the comparison 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

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Minimum Car Insurance in Defiance, OH

Every driver must carry the minimum car insurance in Defiance, OH. Take a look at the Ohio car insurance requirements.

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

Cheapest Defiance, OH Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Defiance, OH. Compare credit history car insurance rates in Defiance from top companies for good, fair, and poor credit.

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

Cheapest Defiance, OH Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Defiance, OH to rates for a clean record with top companies.

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

Cheapest Defiance, OH Car Insurance for Teen Drivers

Teen car insurance in Defiance, OH can be expensive. Take a look at rates from the top car insurance companies in Defiance for teenagers.

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

Cheapest Defiance, OH Car Insurance for Seniors

Take a look at Defiance, OH senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

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

Cheapest Defiance, OH Car Insurance Rates After a DUI

A DUI in Defiance, OH increases car insurance rates. Compare Defiance, Ohio DUI car insurance by company to find the cheapest option.

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

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Cheapest Defiance, OH Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Defiance, OH by commute? Take a look at a comparison of the top companies by commute length.

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

The Best Cheap Car Insurance Companies in Defiance, OH

Take a look at a side-by-side comparison of the top car insurance companies in Defiance, OH to find the best option for 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

Category Winners: Cheapest Car Insurance in Defiance, Ohio

Find the cheapest car insurance companies in Defiance, OH for each category right here.

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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Cheapest Defiance, OH Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Defiance car insurance rates. Find the cheapest Defiance, OH car insurance rates by coverage level.

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

What affects car insurance rates in Defiance, Ohio?

What factors can have an impact on Defiance, OH car insurance? There are several reasons why Defiance car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Defiance, Ohio.

Car Theft in Defiance

High levels of vehicle theft can make car insurance more expensive. Defiance, OH car theft statistics from the FBI indicate 13 vehicle thefts a year.

Commute Time in Defiance

The more time you spend in your car the higher the risk of an accident. The average commute length in Defiance, OH is 18.6 minutes according to City-Data.

Compare Car Insurance Quotes in Defiance, OH

Ready to find affordable Defiance, Ohio car insurance today? Enter your ZIP code for fast, free Defiance, OH car insurance quotes.

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