Compare Trotwood, OH Car Insurance Rates (2021)

Car insurance in Trotwood, OH averages $258 a month. Trotwood, Ohio car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Trotwood car insurance rates, compare quotes from the top car insurance companies in Trotwood, 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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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

  • Average car insurance rates in Trotwood, OH after a DUI are $3,589/year
  • The cheapest car insurance company in Trotwood for teen drivers is USAA
  • Average car insurance rates in Trotwood, OH are $3,096/year

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

You’ll find Trotwood car insurance rates, the cheapest Trotwood, OH car insurance companies, and information on Ohio car insurance laws. You can also compare Trotwood, Ohio car insurance rates to Akron car insurance rates, Cleveland car insurance rates, and Parma car insurance rates.

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

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

How do age, gender, and marital status affect Trotwood, OH car insurance rates? Every Trotwood, 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 Trotwood, 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 $2,145 $2,127 $1,941 $2,073 $6,094 $6,971 $2,240 $2,384
American Family $1,008 $1,046 $929 $933 $3,186 $3,459 $1,246 $1,313
Farmers $2,023 $2,018 $1,781 $1,882 $9,088 $9,437 $2,272 $2,371
GEICO $1,408 $1,373 $1,325 $1,342 $3,845 $3,581 $1,565 $1,325
Liberty Mutual $2,346 $2,561 $1,803 $2,192 $12,281 $13,871 $2,500 $2,734
Nationwide $2,237 $2,247 $2,019 $2,032 $5,774 $7,437 $2,396 $2,787
Progressive $2,032 $1,907 $1,701 $1,758 $9,122 $10,254 $2,419 $2,504
State Farm $1,699 $1,699 $1,533 $1,533 $5,466 $6,850 $1,978 $2,272
Travelers $1,592 $1,616 $1,581 $1,573 $6,907 $10,889 $1,662 $1,902
USAA $919 $926 $880 $874 $2,906 $3,229 $1,231 $1,327

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Minimum Car Insurance in Trotwood, OH

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

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

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

Annual Car Insurance Rates by Credit Score in Trotwood, Ohio

Insurance Company Poor Fair Good
Allstate $4,170 $3,041 $2,530
American Family $2,174 $1,485 $1,260
Farmers $4,369 $3,693 $3,515
GEICO $2,364 $1,971 $1,577
Liberty Mutual $7,223 $4,421 $3,464
Nationwide $4,064 $3,273 $2,762
Progressive $4,442 $3,849 $3,596
State Farm $4,098 $2,537 $2,001
Travelers $3,873 $3,372 $3,150
USAA $1,993 $1,412 $1,204

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

Annual Trotwood, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,713 $3,294 $3,897 $3,084
American Family $1,571 $1,663 $1,663 $1,663
Farmers $3,178 $4,099 $3,998 $4,162
GEICO $1,331 $1,932 $2,813 $1,807
Liberty Mutual $4,233 $5,426 $5,549 $4,936
Nationwide $2,699 $3,431 $4,352 $2,983
Progressive $3,411 $4,656 $3,641 $4,140
State Farm $2,613 $3,145 $2,879 $2,879
Travelers $2,549 $3,328 $5,020 $2,964
USAA $1,178 $1,584 $2,080 $1,304

Cheapest Trotwood, OH Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Trotwood, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,094 $6,971
American Family $3,186 $3,459
Farmers $9,088 $9,437
GEICO $3,845 $3,581
Liberty Mutual $12,281 $13,871
Nationwide $5,774 $7,437
Progressive $9,122 $10,254
State Farm $5,466 $6,850
Travelers $6,907 $10,889
USAA $2,906 $3,229

Cheapest Trotwood, OH Car Insurance for Seniors

Take a look at Trotwood, 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 Trotwood, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,941 $2,073
American Family $929 $933
Farmers $1,781 $1,882
GEICO $1,325 $1,342
Liberty Mutual $1,803 $2,192
Nationwide $2,019 $2,032
Progressive $1,701 $1,758
State Farm $1,533 $1,533
Travelers $1,581 $1,573
USAA $880 $874

Cheapest Trotwood, OH Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Trotwood, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,897
American Family $1,663
Farmers $3,998
GEICO $2,813
Liberty Mutual $5,549
Nationwide $4,352
Progressive $3,641
State Farm $2,879
Travelers $5,020
USAA $2,080

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Cheapest Trotwood, OH Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Trotwood, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,247 $3,247
American Family $1,620 $1,660
Farmers $3,859 $3,859
GEICO $1,938 $2,004
Liberty Mutual $5,036 $5,036
Nationwide $3,366 $3,366
Progressive $3,962 $3,962
State Farm $2,807 $2,951
Travelers $3,465 $3,465
USAA $1,479 $1,594

The Best Cheap Car Insurance Companies in Trotwood, OH

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

Average Annual Car Insurance Rates by Company in Trotwood, Ohio

Insurance Company Average Annual Rates
Allstate $3,247
American Family $1,640
Farmers $3,859
GEICO $1,971
Liberty Mutual $5,036
Nationwide $3,366
Progressive $3,962
State Farm $2,879
Travelers $3,465
USAA $1,536

Category Winners: Cheapest Car Insurance in Trotwood, Ohio

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

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

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

Annual Car Insurance Rates by Coverage Level in Trotwood, Ohio

Insurance Company Low Medium High
Allstate $3,135 $3,240 $3,365
American Family $1,602 $1,652 $1,666
Farmers $3,651 $3,797 $4,129
GEICO $1,909 $1,963 $2,040
Liberty Mutual $4,858 $5,059 $5,190
Nationwide $3,721 $3,263 $3,115
Progressive $3,792 $3,924 $4,171
State Farm $2,723 $2,888 $3,026
Travelers $3,387 $3,508 $3,501
USAA $1,470 $1,535 $1,604

What affects car insurance rates in Trotwood, Ohio?

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

Car Theft in Trotwood

High levels of vehicle theft can make car insurance more expensive. Trotwood, OH car theft statistics from the FBI indicate 172 vehicle thefts a year.

Commute Time in Trotwood

The more time you spend in your car the higher the risk of an accident. The average commute length in Trotwood, OH is 25.9 minutes according to City-Data.

Compare Car Insurance Quotes in Trotwood, OH

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

Free Car Insurance Comparison

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

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