Buy Cheap Fairfield, OH Auto Insurance (2021)

Fairfield, OH auto insurance rates average $253 a month. Minimum auto insurance requirements in Fairfield, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Fairfield, OH, compare Fairfield auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Fairfield is Liberty Mutual
  • The most expensive auto insurance company in Fairfield after a DUI is Liberty Mutual
  • Average auto insurance rates in Fairfield, OH after a DUI are $3,526/year

Finding affordable Fairfield, Ohio auto insurance can be challenging, but everything you need to know to buy cheap Fairfield, OH auto insurance with confidence is right here. Auto insurance rates in Fairfield are affected by local factors as well as personal ones like your driving record.

See how Fairfield, OH car insurance rates compare to Lorain auto insurance rates, Dayton auto insurance rates, and Cleveland auto insurance rates before you read more about the cost of auto insurance in Fairfield.

Don’t buy Fairfield, OH auto insurance until you’ve compared rates. Get free Fairfield, Ohio auto insurance quotes when you enter your ZIP code above.

Fairfield, OH Minimum Auto Insurance Requirements

The required auto insurance in Fairfield, OH is 25/50/25 according to the auto insurance laws in Ohio. The minimum auto insurance in Fairfield, Ohio is outlined here.

Minimum Required Auto Insurance Coverage in Fairfield, 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

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Find Cheap Fairfield, OH Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Fairfield, OH. Take a look at Fairfield, Ohio auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Fairfield, Ohio

Insurance Company Poor Fair Good
Allstate $4,352 $3,177 $2,643
American Family $2,272 $1,546 $1,307
Farmers $3,958 $3,355 $3,193
GEICO $2,193 $1,830 $1,466
Liberty Mutual $7,146 $4,384 $3,435
Nationwide $4,420 $3,555 $2,998
Progressive $3,996 $3,481 $3,264
State Farm $4,062 $2,509 $1,977
Travelers $3,610 $3,146 $2,941
USAA $2,058 $1,462 $1,248

Buy Cheap Fairfield, OH Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Fairfield, Ohio auto insurance rates? Find out how car insurance rates in Fairfield, OH are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Fairfield, 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 $2,231 $2,210 $2,021 $2,159 $6,389 $7,318 $2,325 $2,471
American Family $1,008 $1,043 $941 $939 $3,436 $3,715 $1,260 $1,326
Farmers $1,825 $1,818 $1,605 $1,697 $8,281 $8,604 $2,050 $2,137
GEICO $1,310 $1,277 $1,239 $1,256 $3,562 $3,314 $1,453 $1,226
Liberty Mutual $2,309 $2,520 $1,772 $2,160 $12,222 $13,797 $2,453 $2,677
Nationwide $2,415 $2,424 $2,181 $2,192 $6,323 $8,134 $2,586 $3,006
Progressive $1,800 $1,679 $1,503 $1,552 $8,349 $9,387 $2,149 $2,224
State Farm $1,667 $1,667 $1,507 $1,507 $5,444 $6,826 $1,945 $2,235
Travelers $1,470 $1,491 $1,467 $1,458 $6,467 $10,228 $1,537 $1,742
USAA $945 $952 $908 $899 $3,027 $3,359 $1,265 $1,360

Buy Cheap Fairfield, OH Auto Insurance for Teen Drivers

Auto insurance for teenagers in Fairfield can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Fairfield, OH are listed here.

Annual Auto Insurance Rates for Teen Drivers in Fairfield, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,389 $7,318
American Family $3,436 $3,715
Farmers $8,281 $8,604
GEICO $3,562 $3,314
Liberty Mutual $12,222 $13,797
Nationwide $6,323 $8,134
Progressive $8,349 $9,387
State Farm $5,444 $6,826
Travelers $6,467 $10,228
USAA $3,027 $3,359

Buy Cheap Fairfield, OH Auto Insurance for Seniors

You can save on senior auto insurance rates in Fairfield, Ohio by comparing Fairfield senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Fairfield, OH here.

Annual Auto Insurance Rates for Senior Drivers in Fairfield, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,021 $2,159
American Family $941 $939
Farmers $1,605 $1,697
GEICO $1,239 $1,256
Liberty Mutual $1,772 $2,160
Nationwide $2,181 $2,192
Progressive $1,503 $1,552
State Farm $1,507 $1,507
Travelers $1,467 $1,458
USAA $908 $899

Find Cheap Auto Insurance Rates in Fairfield, OH by Coverage Level

The amount of coverage you choose is a big factor in the cost of Fairfield, Ohio auto insurance. Compare Fairfield, OH auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Fairfield, Ohio

Insurance Company Low Medium High
Allstate $3,277 $3,384 $3,510
American Family $1,674 $1,722 $1,730
Farmers $3,311 $3,448 $3,748
GEICO $1,770 $1,822 $1,897
Liberty Mutual $4,803 $5,015 $5,147
Nationwide $4,044 $3,545 $3,384
Progressive $3,429 $3,548 $3,764
State Farm $2,694 $2,860 $2,995
Travelers $3,144 $3,275 $3,279
USAA $1,515 $1,588 $1,666

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Find Cheap Fairfield, OH Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Fairfield. Compare auto insurance rates in Fairfield, OH by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Fairfield, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,390 $3,390
American Family $1,687 $1,730
Farmers $3,502 $3,502
GEICO $1,800 $1,860
Liberty Mutual $4,988 $4,988
Nationwide $3,658 $3,658
Progressive $3,580 $3,580
State Farm $2,778 $2,922
Travelers $3,232 $3,232
USAA $1,530 $1,649

Find Cheap Fairfield, OH Auto Insurance Rates by Driving Record

Auto insurance rates in Fairfield, Ohio are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Fairfield, OH, take a look at the average cost for various violations versus rates for a clean driving record in Fairfield.

Annual Fairfield, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,828 $3,438 $4,076 $3,220
American Family $1,635 $1,733 $1,733 $1,733
Farmers $2,883 $3,722 $3,629 $3,775
GEICO $1,236 $1,793 $2,617 $1,673
Liberty Mutual $4,188 $5,382 $5,495 $4,889
Nationwide $2,933 $3,728 $4,728 $3,242
Progressive $3,081 $4,217 $3,285 $3,738
State Farm $2,582 $3,117 $2,850 $2,850
Travelers $2,375 $3,104 $4,687 $2,763
USAA $1,214 $1,637 $2,160 $1,346

Find Cheap Fairfield, OH Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Fairfield, Ohio is higher than for a clean driving record. You can buy auto insurance after a DUI in Fairfield for less when you shop around and compare rates from multiple Fairfield, OH auto insurance companies.

Annual Auto Insurance Rates After a DUI in Fairfield, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,076
American Family $1,733
Farmers $3,629
GEICO $2,617
Liberty Mutual $5,495
Nationwide $4,728
Progressive $3,285
State Farm $2,850
Travelers $4,687
USAA $2,160

Winners by Category: Where to Buy Cheap Auto Insurance in Fairfield, OH

Compare rates from the cheapest auto insurance companies in Fairfield, OH for your needs. Take a look at how Fairfield, Ohio auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Fairfield, 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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Find Cheap Fairfield, Ohio Auto Insurance Companies

If you’re looking for the cheapest Fairfield, OH auto insurance companies overall, you can compare them here. Find the best price for Fairfield, Ohio car insurance by company.

Average Annual Auto Insurance Rates by Company in Fairfield, Ohio

Insurance Company Average Annual Rates
Allstate $3,390
American Family $1,709
Farmers $3,502
GEICO $1,830
Liberty Mutual $4,988
Nationwide $3,658
Progressive $3,580
State Farm $2,850
Travelers $3,232
USAA $1,589

What affects Fairfield, Ohio auto insurance rates?

Local factors affect auto insurance rates in Fairfield, OH, including traffic, theft statistics, and commute length. Take a look at the things that impact Fairfield auto insurance rates.

Auto Theft in Fairfield

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Fairfield, OH auto theft show a total of 50 vehicle thefts annually.

Commute Times in Fairfield

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Fairfield, OH is 27.4 minutes according to City-Data.

Traffic in Fairfield

How is traffic in Fairfield, Ohio? Inrix data shows that Fairfield, OH traffic makes it the 658th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Fairfield, OH

You can buy cheap Fairfield, OH auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Fairfield, Ohio auto insurance quotes from top companies.

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