Compare Xenia, OH Car Insurance Rates (2021)

Car insurance in Xenia, OH averages $229 a month. Xenia, Ohio car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Xenia car insurance rates, compare quotes from the top car insurance companies in Xenia, 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 Xenia, OH are $2,747/year
  • The cheapest car insurance company in Xenia for teen drivers is USAA
  • Average car insurance rates in Xenia, OH after a DUI are $3,190/year

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

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

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

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

How do age, gender, and marital status affect Xenia, OH car insurance rates? Every Xenia, 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 Xenia, 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 $2,048 $2,041 $1,849 $1,976 $5,660 $6,483 $2,150 $2,294
American Family $936 $971 $855 $858 $2,828 $3,069 $1,154 $1,214
Farmers $1,761 $1,757 $1,551 $1,638 $7,841 $8,143 $1,971 $2,055
GEICO $1,227 $1,193 $1,156 $1,169 $3,287 $3,057 $1,362 $1,153
Liberty Mutual $1,915 $2,087 $1,474 $1,788 $10,151 $11,460 $2,031 $2,218
Nationwide $2,222 $2,233 $2,005 $2,019 $5,697 $7,347 $2,382 $2,773
Progressive $1,851 $1,751 $1,542 $1,588 $8,065 $9,091 $2,220 $2,289
State Farm $1,401 $1,401 $1,260 $1,260 $4,483 $5,617 $1,631 $1,878
Travelers $1,431 $1,451 $1,430 $1,418 $6,210 $9,763 $1,495 $1,701
USAA $833 $840 $794 $793 $2,563 $2,852 $1,111 $1,198

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Minimum Car Insurance in Xenia, OH

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

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

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

Annual Car Insurance Rates by Credit Score in Xenia, Ohio

Insurance Company Poor Fair Good
Allstate $3,930 $2,864 $2,394
American Family $1,966 $1,348 $1,143
Farmers $3,781 $3,195 $3,043
GEICO $2,037 $1,700 $1,364
Liberty Mutual $5,925 $3,642 $2,854
Nationwide $4,026 $3,242 $2,737
Progressive $3,995 $3,442 $3,212
State Farm $3,372 $2,084 $1,643
Travelers $3,481 $3,029 $2,828
USAA $1,780 $1,262 $1,077

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

Annual Xenia, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,577 $3,113 $3,649 $2,913
American Family $1,424 $1,506 $1,506 $1,506
Farmers $2,754 $3,548 $3,460 $3,596
GEICO $1,155 $1,665 $2,417 $1,565
Liberty Mutual $3,479 $4,465 $4,558 $4,059
Nationwide $2,672 $3,400 $4,314 $2,954
Progressive $3,064 $4,151 $3,261 $3,722
State Farm $2,149 $2,583 $2,366 $2,366
Travelers $2,285 $2,987 $4,513 $2,666
USAA $1,055 $1,414 $1,854 $1,169

Cheapest Xenia, OH Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Xenia, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,660 $6,483
American Family $2,828 $3,069
Farmers $7,841 $8,143
GEICO $3,287 $3,057
Liberty Mutual $10,151 $11,460
Nationwide $5,697 $7,347
Progressive $8,065 $9,091
State Farm $4,483 $5,617
Travelers $6,210 $9,763
USAA $2,563 $2,852

Cheapest Xenia, OH Car Insurance for Seniors

Take a look at Xenia, 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 Xenia, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,849 $1,976
American Family $855 $858
Farmers $1,551 $1,638
GEICO $1,156 $1,169
Liberty Mutual $1,474 $1,788
Nationwide $2,005 $2,019
Progressive $1,542 $1,588
State Farm $1,260 $1,260
Travelers $1,430 $1,418
USAA $794 $793

Cheapest Xenia, OH Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Xenia, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,649
American Family $1,506
Farmers $3,460
GEICO $2,417
Liberty Mutual $4,558
Nationwide $4,314
Progressive $3,261
State Farm $2,366
Travelers $4,513
USAA $1,854

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Cheapest Xenia, OH Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Xenia, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,063 $3,063
American Family $1,468 $1,503
Farmers $3,340 $3,340
GEICO $1,671 $1,730
Liberty Mutual $4,140 $4,140
Nationwide $3,335 $3,335
Progressive $3,550 $3,550
State Farm $2,308 $2,425
Travelers $3,112 $3,112
USAA $1,321 $1,425

The Best Cheap Car Insurance Companies in Xenia, OH

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

Average Annual Car Insurance Rates by Company in Xenia, Ohio

Insurance Company Average Annual Rates
Allstate $3,063
American Family $1,485
Farmers $3,340
GEICO $1,701
Liberty Mutual $4,140
Nationwide $3,335
Progressive $3,550
State Farm $2,366
Travelers $3,112
USAA $1,373

Category Winners: Cheapest Car Insurance in Xenia, Ohio

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

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

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

Annual Car Insurance Rates by Coverage Level in Xenia, Ohio

Insurance Company Low Medium High
Allstate $2,967 $3,057 $3,165
American Family $1,460 $1,496 $1,501
Farmers $3,157 $3,286 $3,575
GEICO $1,645 $1,693 $1,764
Liberty Mutual $3,991 $4,160 $4,270
Nationwide $3,690 $3,232 $3,083
Progressive $3,416 $3,521 $3,712
State Farm $2,248 $2,374 $2,477
Travelers $3,034 $3,153 $3,151
USAA $1,312 $1,372 $1,436

What affects car insurance rates in Xenia, Ohio?

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

Car Theft in Xenia

High levels of vehicle theft can make car insurance more expensive. Xenia, OH car theft statistics from the FBI indicate 27 vehicle thefts a year.

Commute Time in Xenia

The more time you spend in your car the higher the risk of an accident. The average commute length in Xenia, OH is 22.7 minutes according to City-Data.

Compare Car Insurance Quotes in Xenia, OH

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

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