Compare Payne, OH Car Insurance Rates (2021)

Car insurance in Payne, OH averages $204 a month. Payne, Ohio car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Payne car insurance rates, compare quotes from the top car insurance companies in Payne, OH.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Payne for teen drivers is USAA
  • Average car insurance rates in Payne, OH are $2,446/year
  • Average car insurance rates in Payne, OH after a DUI are $2,847/year

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

You’ll find Payne car insurance rates, the cheapest Payne, OH car insurance companies, and information on Ohio car insurance laws. You can also compare Payne, Ohio car insurance rates to Akron car insurance rates, Cincinnati car insurance rates, and Toledo car insurance rates.

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

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

How do age, gender, and marital status affect Payne, OH car insurance rates? Every Payne, 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 Payne, 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 $1,841 $1,836 $1,657 $1,771 $5,018 $5,750 $1,940 $2,075
American Family $945 $982 $857 $865 $2,790 $3,030 $1,155 $1,216
Farmers $1,512 $1,505 $1,334 $1,406 $6,541 $6,771 $1,694 $1,772
GEICO $1,228 $1,195 $1,153 $1,164 $3,279 $3,053 $1,362 $1,157
Liberty Mutual $1,704 $1,860 $1,312 $1,595 $8,856 $10,011 $1,808 $1,975
Nationwide $1,949 $1,959 $1,760 $1,773 $4,950 $6,377 $2,087 $2,426
Progressive $1,565 $1,485 $1,303 $1,345 $6,707 $7,556 $1,873 $1,933
State Farm $1,272 $1,272 $1,134 $1,134 $3,900 $4,899 $1,476 $1,693
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 Payne, OH

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

Minimum Required Car Insurance Coverage in Payne, 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 Payne, OH Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Payne, Ohio

Insurance Company Poor Fair Good
Allstate $3,505 $2,558 $2,145
American Family $1,956 $1,343 $1,141
Farmers $3,195 $2,692 $2,563
GEICO $2,035 $1,699 $1,363
Liberty Mutual $5,212 $3,198 $2,509
Nationwide $3,508 $2,830 $2,393
Progressive $3,352 $2,880 $2,681
State Farm $2,988 $1,848 $1,457
Travelers $3,045 $2,653 $2,480
USAA $1,792 $1,268 $1,081

Cheapest Payne, 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 Payne, OH to rates for a clean record with top companies.

Annual Payne, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,310 $2,780 $3,249 $2,605
American Family $1,419 $1,501 $1,501 $1,501
Farmers $2,322 $2,989 $2,915 $3,041
GEICO $1,156 $1,664 $2,408 $1,568
Liberty Mutual $3,059 $3,925 $4,009 $3,567
Nationwide $2,336 $2,966 $3,758 $2,581
Progressive $2,566 $3,470 $2,732 $3,116
State Farm $1,915 $2,280 $2,098 $2,098
Travelers $2,013 $2,617 $3,940 $2,333
USAA $1,062 $1,422 $1,861 $1,176

Cheapest Payne, OH Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Payne, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,018 $5,750
American Family $2,790 $3,030
Farmers $6,541 $6,771
GEICO $3,279 $3,053
Liberty Mutual $8,856 $10,011
Nationwide $4,950 $6,377
Progressive $6,707 $7,556
State Farm $3,900 $4,899
Travelers $5,411 $8,570
USAA $2,571 $2,863

Cheapest Payne, OH Car Insurance for Seniors

Take a look at Payne, 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 Payne, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,657 $1,771
American Family $857 $865
Farmers $1,334 $1,406
GEICO $1,153 $1,164
Liberty Mutual $1,312 $1,595
Nationwide $1,760 $1,773
Progressive $1,303 $1,345
State Farm $1,134 $1,134
Travelers $1,247 $1,242
USAA $798 $797

Cheapest Payne, OH Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Payne, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,249
American Family $1,501
Farmers $2,915
GEICO $2,408
Liberty Mutual $4,009
Nationwide $3,758
Progressive $2,732
State Farm $2,098
Travelers $3,940
USAA $1,861

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Cheapest Payne, OH Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Payne, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,736 $2,736
American Family $1,462 $1,498
Farmers $2,817 $2,817
GEICO $1,669 $1,728
Liberty Mutual $3,640 $3,640
Nationwide $2,910 $2,910
Progressive $2,971 $2,971
State Farm $2,047 $2,149
Travelers $2,726 $2,726
USAA $1,328 $1,433

The Best Cheap Car Insurance Companies in Payne, OH

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

Average Annual Car Insurance Rates by Company in Payne, Ohio

Insurance Company Average Annual Rates
Allstate $2,736
American Family $1,480
Farmers $2,817
GEICO $1,699
Liberty Mutual $3,640
Nationwide $2,910
Progressive $2,971
State Farm $2,098
Travelers $2,726
USAA $1,380

Category Winners: Cheapest Car Insurance in Payne, Ohio

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

Best Annual Car Insurance Rates by Company in Payne, 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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Cheapest Payne, OH Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Payne, Ohio

Insurance Company Low Medium High
Allstate $2,661 $2,731 $2,816
American Family $1,451 $1,491 $1,498
Farmers $2,679 $2,777 $2,995
GEICO $1,645 $1,691 $1,760
Liberty Mutual $3,496 $3,659 $3,765
Nationwide $3,222 $2,820 $2,688
Progressive $2,862 $2,946 $3,104
State Farm $2,002 $2,103 $2,188
Travelers $2,646 $2,762 $2,768
USAA $1,323 $1,379 $1,440

What affects car insurance rates in Payne, Ohio?

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

Commute Time in Payne

The more time you spend in your car the higher the risk of an accident. The average commute length in Payne, OH is 20.9 minutes according to City-Data.

Compare Car Insurance Quotes in Payne, OH

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

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