Compare Defiance, OH Car Insurance Rates [2024]
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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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Dec 26, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 26, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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 |
Read More: Compare Best Car Insurance Companies That Accept DUI
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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.
| 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.
| 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.
| 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.
| 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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Frequently Asked Questions
What factors can affect car insurance rates in Defiance, OH?
Several factors can influence car insurance rates in Defiance, OH. These include your age, driving record, the type of vehicle you drive, your credit history, the coverage options you choose, and the deductible amount. Additionally, factors such as the local crime rate, population density, and traffic conditions in Defiance may also impact insurance rates.
What are the minimum car insurance requirements in Defiance, OH?
In Defiance, OH, the minimum car insurance requirements are the same as the state of Ohio. The state law mandates a minimum coverage of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. It’s important to note that these are the minimum requirements, and it’s often recommended to consider higher coverage limits for better protection.
Are there any specific insurance considerations for Defiance, OH?
Defiance, OH is located in Defiance County. When considering car insurance in Defiance, it’s important to be aware of any specific risks associated with the area, such as weather-related incidents like severe storms or flooding. Additionally, factors like the local crime rate and traffic patterns may also influence insurance rates.
How can I find affordable car insurance in Defiance, OH?
To find affordable car insurance in Defiance, OH, it’s important to shop around and compare quotes from different insurance providers. Consider factors such as coverage options, deductibles, and available discounts. Maintaining a good driving record, bundling your car insurance with other policies, and taking advantage of discounts, such as safe driver or multi-vehicle discounts, can also help lower your insurance premiums.
What discounts are available for car insurance in Defiance, OH?
Insurance providers in Defiance, OH may offer various discounts for car insurance. Common discounts include safe driver discounts, multi-policy discounts, good student discounts, and discounts for vehicles equipped with safety features such as anti-lock brakes or airbags. It’s advisable to check with insurance providers to see which discounts may apply to you.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.