Compare Moraine, OH Car Insurance Rates (2022)

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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UPDATED: Jun 22, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 22, 2022Fact Checked

Here's What You Need to Know

  • 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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Moraine, 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 $2,151 $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.

Minimum Required Car Insurance Coverage in Moraine, 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 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.

Annual Car Insurance Rates by Credit Score in Moraine, Ohio

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.

Annual Moraine, Ohio Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates for Teen Drivers in Moraine, Ohio

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.

Annual Car Insurance Rates for Senior Drivers in Moraine, Ohio

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.

Annual Car Insurance Rates After a DUI in Moraine, Ohio

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.

Annual Car Insurance Rates by Commute Length in Moraine, Ohio

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.

Average Annual Car Insurance Rates by Company in Moraine, Ohio

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.

Best Annual Car Insurance Rates by Company in Moraine, 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 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.

Annual Car Insurance Rates by Coverage Level in Moraine, Ohio

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.

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.

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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Written by Laura Berry
Former Insurance Agent Laura Berry

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® Joel Ohman

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