Compare Moraine, OH Car Insurance Rates [2024]
Car insurance in Moraine, OH averages $251 a month. Moraine, Ohio car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Moraine car insurance rates, compare quotes from the top car insurance companies in Moraine, OH.
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Joel Ohman
Certified Financial Planner
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. Joel...
Certified Financial Planner
UPDATED: Jul 19, 2024
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: Jul 19, 2024
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 Moraine, OH after a DUI are $3,489/year
- The cheapest car insurance company in Moraine is USAA
- The cheapest car insurance company in Moraine for teen drivers is USAA
If you need to buy Moraine, Ohio car insurance, the options can be confusing. Everything you need to know about car insurance in Moraine, OH is right here.
You’ll find Moraine car insurance rates, the cheapest Moraine, OH car insurance companies, and information on Ohio car insurance laws. You can also compare Moraine, Ohio car insurance rates to Cincinnati car insurance rates, Toledo car insurance rates, and Hamilton car insurance rates.
Ready to find affordable Moraine, OH car insurance today? Enter your ZIP code for fast, free Moraine car insurance quotes.
Cheapest Moraine, OH Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Moraine, OH car insurance rates? Every Moraine, 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 | $2,151 | $2,132 | $1,943 | $2,075 | $6,133 | $7,034 | $2,251 | $2,398 |
| American Family | $1,022 | $1,062 | $942 | $945 | $3,232 | $3,510 | $1,264 | $1,333 |
| Farmers | $1,663 | $1,656 | $1,466 | $1,550 | $7,386 | $7,651 | $1,861 | $1,937 |
| Geico | $1,408 | $1,373 | $1,325 | $1,342 | $3,845 | $3,581 | $1,565 | $1,325 |
| Liberty Mutual | $2,297 | $2,509 | $1,766 | $2,148 | $11,863 | $13,404 | $2,452 | $2,684 |
| Nationwide | $2,274 | $2,285 | $2,052 | $2,066 | $5,850 | $7,543 | $2,438 | $2,838 |
| Progressive | $2,244 | $2,106 | $1,871 | $1,937 | $10,143 | $11,421 | $2,676 | $2,774 |
| State Farm | $1,468 | $1,468 | $1,325 | $1,325 | $4,757 | $5,965 | $1,710 | $1,965 |
| Travelers | $1,603 | $1,628 | $1,591 | $1,583 | $6,935 | $10,929 | $1,673 | $1,916 |
| USAA | $811 | $817 | $777 | $772 | $2,529 | $2,809 | $1,081 | $1,162 |
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Minimum Car Insurance in Moraine, OH
Every driver must carry the minimum car insurance in Moraine, 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 Moraine, OH Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Moraine, OH. Compare credit history car insurance rates in Moraine from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,188 | $3,058 | $2,548 |
| American Family | $2,206 | $1,507 | $1,279 |
| Farmers | $3,564 | $3,010 | $2,865 |
| Geico | $2,364 | $1,971 | $1,577 |
| Liberty Mutual | $7,019 | $4,290 | $3,362 |
| Nationwide | $4,128 | $3,323 | $2,804 |
| Progressive | $4,924 | $4,271 | $3,994 |
| State Farm | $3,560 | $2,200 | $1,734 |
| Travelers | $3,894 | $3,389 | $3,165 |
| USAA | $1,740 | $1,237 | $1,057 |
Cheapest Moraine, 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 Moraine, OH to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,730 | $3,307 | $3,919 | $3,103 |
| American Family | $1,594 | $1,687 | $1,687 | $1,687 |
| Farmers | $2,592 | $3,342 | $3,260 | $3,391 |
| Geico | $1,331 | $1,932 | $2,813 | $1,807 |
| Liberty Mutual | $4,113 | $5,266 | $5,390 | $4,793 |
| Nationwide | $2,738 | $3,485 | $4,422 | $3,028 |
| Progressive | $3,784 | $5,167 | $4,037 | $4,598 |
| State Farm | $2,265 | $2,730 | $2,498 | $2,498 |
| Travelers | $2,562 | $3,344 | $5,044 | $2,980 |
| USAA | $1,032 | $1,386 | $1,818 | $1,143 |
Cheapest Moraine, OH Car Insurance for Teen Drivers
Teen car insurance in Moraine, OH can be expensive. Take a look at rates from the top car insurance companies in Moraine for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,133 | $7,034 |
| American Family | $3,232 | $3,510 |
| Farmers | $7,386 | $7,651 |
| Geico | $3,845 | $3,581 |
| Liberty Mutual | $11,863 | $13,404 |
| Nationwide | $5,850 | $7,543 |
| Progressive | $10,143 | $11,421 |
| State Farm | $4,757 | $5,965 |
| Travelers | $6,935 | $10,929 |
| USAA | $2,529 | $2,809 |
Cheapest Moraine, OH Car Insurance for Seniors
Take a look at Moraine, 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 | $1,943 | $2,075 |
| American Family | $942 | $945 |
| Farmers | $1,466 | $1,550 |
| Geico | $1,325 | $1,342 |
| Liberty Mutual | $1,766 | $2,148 |
| Nationwide | $2,052 | $2,066 |
| Progressive | $1,871 | $1,937 |
| State Farm | $1,325 | $1,325 |
| Travelers | $1,591 | $1,583 |
| USAA | $777 | $772 |
Cheapest Moraine, OH Car Insurance Rates After a DUI
A DUI in Moraine, OH increases car insurance rates. Compare Moraine, Ohio DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,919 |
| American Family | $1,687 |
| Farmers | $3,260 |
| Geico | $2,813 |
| Liberty Mutual | $5,390 |
| Nationwide | $4,422 |
| Progressive | $4,037 |
| State Farm | $2,498 |
| Travelers | $5,044 |
| USAA | $1,818 |
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Cheapest Moraine, OH Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Moraine, 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 | $3,265 | $3,265 |
| American Family | $1,643 | $1,684 |
| Farmers | $3,146 | $3,146 |
| Geico | $1,938 | $2,004 |
| Liberty Mutual | $4,890 | $4,890 |
| Nationwide | $3,418 | $3,418 |
| Progressive | $4,396 | $4,396 |
| State Farm | $2,435 | $2,561 |
| Travelers | $3,482 | $3,482 |
| USAA | $1,294 | $1,395 |
The Best Cheap Car Insurance Companies in Moraine, OH
Take a look at a side-by-side comparison of the top car insurance companies in Moraine, OH to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,265 |
| American Family | $1,664 |
| Farmers | $3,146 |
| Geico | $1,971 |
| Liberty Mutual | $4,890 |
| Nationwide | $3,418 |
| Progressive | $4,396 |
| State Farm | $2,498 |
| Travelers | $3,482 |
| USAA | $1,345 |
Category Winners: Cheapest Car Insurance in Moraine, Ohio
Find the cheapest car insurance companies in Moraine, OH for each category right here.
| 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 Moraine, OH Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Moraine car insurance rates. Find the cheapest Moraine, OH car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,171 | $3,259 | $3,364 |
| American Family | $1,627 | $1,676 | $1,688 |
| Farmers | $2,976 | $3,096 | $3,367 |
| Geico | $1,909 | $1,963 | $2,040 |
| Liberty Mutual | $4,718 | $4,912 | $5,041 |
| Nationwide | $3,776 | $3,313 | $3,166 |
| Progressive | $4,201 | $4,354 | $4,634 |
| State Farm | $2,363 | $2,506 | $2,624 |
| Travelers | $3,402 | $3,526 | $3,519 |
| USAA | $1,283 | $1,343 | $1,408 |
What affects car insurance rates in Moraine, Ohio?
What factors can have an impact on Moraine, OH car insurance? There are several reasons why Moraine car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Moraine, Ohio.
Commute Time in Moraine
The more time you spend in your car the higher the risk of an accident. The average commute length in Moraine, OH is 20.5 minutes according to City-Data.
Compare Car Insurance Quotes in Moraine, OH
Ready to find affordable Moraine, Ohio car insurance today? Enter your ZIP code for fast, free Moraine, OH car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How can I compare car insurance rates in Moraine, OH?
To compare car insurance rates in Moraine, OH, you can follow these steps:
- Gather information: Collect details about your vehicle, driving history, and insurance needs.
- Research insurance companies: Look for reputable insurance providers that offer coverage in Moraine, OH.
- Request quotes: Reach out to different insurance companies and provide the necessary information to receive accurate quotes.
- Compare coverage options: Review the coverage levels, deductibles, and additional features offered by each insurer.
- Evaluate costs: Consider the premiums and any potential discounts offered by each insurer.
- Choose the best option: Select the insurance policy that provides the coverage you need at a price that fits your budget.
What factors can affect car insurance rates in Moraine, OH?
Several factors can influence car insurance rates in Moraine, OH. These may include:
- Your age, gender, and marital status
- Your driving record and claims history
- The make, model, and year of your vehicle
- The coverage limits and deductibles you choose
- The amount of mileage you drive annually
- The location where your vehicle is primarily parked in Moraine, OH
Are car insurance rates the same for all drivers in Moraine, OH?
No, car insurance rates can vary among drivers in Moraine, OH. Insurance companies consider individual factors such as driving record, age, gender, and vehicle type when determining premiums. Each driver’s unique circumstances can affect the rates they receive.
How can I save money on car insurance in Moraine, OH?
Here are some tips to potentially save money on car insurance in Moraine, OH:
- Maintain a clean driving record and avoid accidents or traffic violations.
- Bundle your car insurance with other policies, such as home or renters insurance, to potentially receive a multi-policy discount.
- Inquire about available discounts, such as safe driver discounts or discounts for completing defensive driving courses.
- Consider raising your deductibles if you can afford to pay a higher amount out of pocket in the event of a claim.
- Shop around and compare quotes from different insurance companies to find the most competitive rates.
Are there any specific considerations for car insurance in Moraine, OH?
When obtaining car insurance in Moraine, OH, it’s important to consider the specific driving conditions and risks in the area. Factors such as weather patterns, traffic congestion, and local accident rates may influence the coverage you need. It’s advisable to discuss these considerations with insurance agents or companies familiar with the region.
Where can I find more information about car insurance in Moraine, OH?
To gather more information about car insurance in Moraine, OH, you can:
- Visit the websites of insurance companies that operate in Moraine, OH, and explore their coverage options.
- Contact local insurance agents or brokers who can provide personalized guidance based on your specific needs and location.
- Check with the Ohio Department of Insurance or other relevant state agencies for resources and information on car insurance requirements and regulations.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Certified Financial Planner
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. Joel...
Certified Financial Planner
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.