Compare Urbana, OH Car Insurance Rates (2021)

Car insurance in Urbana, OH averages $225 a month. Urbana, Ohio car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Urbana car insurance rates, compare quotes from the top car insurance companies in Urbana, 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

  • The cheapest car insurance company in Urbana for teen drivers is American Family
  • The cheapest car insurance company in Urbana is American Family
  • Average car insurance rates in Urbana, OH are $2,698/year

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

You’ll find Urbana car insurance rates, the cheapest Urbana, OH car insurance companies, and information on Ohio car insurance laws. You can also compare Urbana, Ohio car insurance rates to Cleveland car insurance rates, Columbus car insurance rates, and Canton car insurance rates.

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

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

How do age, gender, and marital status affect Urbana, OH car insurance rates? Every Urbana, 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 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

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Minimum Car Insurance in Urbana, OH

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

Minimum Required Car 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

Cheapest Urbana, OH Car Insurance Rates by Credit Score

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

Annual Car 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

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

Annual Urbana, Ohio Car 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

Cheapest Urbana, OH Car Insurance for Teen Drivers

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

Annual Car 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

Cheapest Urbana, OH Car Insurance for Seniors

Take a look at Urbana, 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 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

Cheapest Urbana, OH Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Urbana, Ohio

Insurance Company Annual Car 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

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Cheapest Urbana, OH Car Insurance Rates by Commute Length

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

Annual Car 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

The Best Cheap Car Insurance Companies in Urbana, OH

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

Average Annual Car 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

Category Winners: Cheapest Car Insurance in Urbana, Ohio

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

Best Annual Car 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

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Cheapest Urbana, OH Car Insurance Rates by Coverage Level

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

Annual Car 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

What affects car insurance rates in Urbana, Ohio?

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

Car Theft in Urbana

High levels of vehicle theft can make car insurance more expensive. Urbana, OH car theft statistics from the FBI indicate 10 vehicle thefts a year.

Commute Time in Urbana

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

Compare Car Insurance Quotes in Urbana, OH

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

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