Buy Cheap Germantown, OH Auto Insurance (2021)

Germantown, OH auto insurance rates average $240 a month. Minimum auto insurance requirements in Germantown, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Germantown, OH, compare Germantown 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

  • Average auto insurance rates in Germantown, OH for teens drivers are $5,995/year
  • Average auto insurance rates in Germantown, OH are $240/month
  • Average auto insurance rates in Germantown, OH after a DUI are $3,335/year

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

See how Germantown, 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 Germantown.

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

Germantown, OH Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Germantown, 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 Germantown, OH Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Germantown, Ohio

Insurance Company Poor Fair Good
Allstate $4,043 $2,950 $2,462
American Family $2,200 $1,503 $1,274
Farmers $3,898 $3,292 $3,134
GEICO $2,088 $1,743 $1,397
Liberty Mutual $6,694 $4,107 $3,215
Nationwide $4,016 $3,235 $2,730
Progressive $4,028 $3,493 $3,267
State Farm $3,751 $2,317 $1,826
Travelers $3,553 $3,092 $2,887
USAA $1,798 $1,273 $1,085

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Germantown, 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 $2,089 $2,074 $1,885 $2,013 $5,880 $6,745 $2,191 $2,338
American Family $1,022 $1,062 $939 $943 $3,215 $3,493 $1,264 $1,333
Farmers $1,814 $1,808 $1,598 $1,689 $8,086 $8,386 $2,032 $2,117
GEICO $1,251 $1,222 $1,176 $1,189 $3,383 $3,154 $1,388 $1,180
Liberty Mutual $2,153 $2,347 $1,655 $2,007 $11,473 $12,958 $2,286 $2,500
Nationwide $2,209 $2,219 $1,995 $2,008 $5,713 $7,355 $2,366 $2,751
Progressive $1,839 $1,725 $1,538 $1,586 $8,290 $9,324 $2,196 $2,269
State Farm $1,550 $1,550 $1,397 $1,397 $5,003 $6,269 $1,806 $2,079
Travelers $1,464 $1,486 $1,458 $1,448 $6,329 $9,961 $1,528 $1,744
USAA $842 $848 $800 $800 $2,580 $2,873 $1,123 $1,213

Buy Cheap Germantown, OH Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Germantown, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,880 $6,745
American Family $3,215 $3,493
Farmers $8,086 $8,386
GEICO $3,383 $3,154
Liberty Mutual $11,473 $12,958
Nationwide $5,713 $7,355
Progressive $8,290 $9,324
State Farm $5,003 $6,269
Travelers $6,329 $9,961
USAA $2,580 $2,873

Buy Cheap Germantown, OH Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Germantown, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,885 $2,013
American Family $939 $943
Farmers $1,598 $1,689
GEICO $1,176 $1,189
Liberty Mutual $1,655 $2,007
Nationwide $1,995 $2,008
Progressive $1,538 $1,586
State Farm $1,397 $1,397
Travelers $1,458 $1,448
USAA $800 $800

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

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

Annual Auto Insurance Rates by Coverage Level in Germantown, Ohio

Insurance Company Low Medium High
Allstate $3,063 $3,146 $3,246
American Family $1,626 $1,671 $1,680
Farmers $3,254 $3,385 $3,685
GEICO $1,690 $1,735 $1,803
Liberty Mutual $4,510 $4,694 $4,812
Nationwide $3,683 $3,224 $3,074
Progressive $3,448 $3,563 $3,776
State Farm $2,496 $2,640 $2,758
Travelers $3,099 $3,218 $3,215
USAA $1,327 $1,384 $1,445

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Find Cheap Germantown, OH Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Germantown, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,152 $3,152
American Family $1,638 $1,679
Farmers $3,441 $3,441
GEICO $1,714 $1,772
Liberty Mutual $4,672 $4,672
Nationwide $3,327 $3,327
Progressive $3,596 $3,596
State Farm $2,566 $2,697
Travelers $3,177 $3,177
USAA $1,333 $1,437

Find Cheap Germantown, OH Auto Insurance Rates by Driving Record

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

Annual Germantown, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,643 $3,194 $3,772 $2,997
American Family $1,588 $1,682 $1,682 $1,682
Farmers $2,836 $3,655 $3,565 $3,709
GEICO $1,181 $1,708 $2,481 $1,601
Liberty Mutual $3,925 $5,038 $5,145 $4,581
Nationwide $2,669 $3,391 $4,299 $2,949
Progressive $3,098 $4,223 $3,303 $3,759
State Farm $2,388 $2,875 $2,631 $2,631
Travelers $2,335 $3,050 $4,603 $2,721
USAA $1,066 $1,427 $1,867 $1,180

Find Cheap Germantown, OH Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Germantown, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,772
American Family $1,682
Farmers $3,565
GEICO $2,481
Liberty Mutual $5,145
Nationwide $4,299
Progressive $3,303
State Farm $2,631
Travelers $4,603
USAA $1,867

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

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

Best Annual Auto Insurance Rates by Company in Germantown, 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 Germantown, Ohio Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Germantown, Ohio

Insurance Company Average Annual Rates
Allstate $3,152
American Family $1,659
Farmers $3,441
GEICO $1,743
Liberty Mutual $4,672
Nationwide $3,327
Progressive $3,596
State Farm $2,631
Travelers $3,177
USAA $1,385

What affects Germantown, Ohio auto insurance rates?

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

Auto Theft in Germantown

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Germantown, OH auto theft show a total of 3 vehicle thefts annually.

Commute Times in Germantown

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Germantown, OH is 23.6 minutes according to City-Data.

Compare Auto Insurance Quotes in Germantown, OH

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

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