Buy Cheap Payne, OH Auto Insurance (2021)

Payne, OH auto insurance rates average $204 a month. Minimum auto insurance requirements in Payne, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Payne, OH, compare Payne 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 Payne, OH are $204/month
  • Average auto insurance rates in Payne, OH after a DUI are $2,847/year
  • The most expensive auto insurance company in Payne is Liberty Mutual

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

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

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

Payne, OH Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Payne, Ohio

Insurance Company Poor Fair Good
Allstate $3,505 $2,558 $2,145
American Family $1,956 $1,343 $1,141
Farmers $3,195 $2,692 $2,563
GEICO $2,035 $1,699 $1,363
Liberty Mutual $5,212 $3,198 $2,509
Nationwide $3,508 $2,830 $2,393
Progressive $3,352 $2,880 $2,681
State Farm $2,988 $1,848 $1,457
Travelers $3,045 $2,653 $2,480
USAA $1,792 $1,268 $1,081

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Payne, 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 $1,841 $1,836 $1,657 $1,771 $5,018 $5,750 $1,940 $2,075
American Family $945 $982 $857 $865 $2,790 $3,030 $1,155 $1,216
Farmers $1,512 $1,505 $1,334 $1,406 $6,541 $6,771 $1,694 $1,772
GEICO $1,228 $1,195 $1,153 $1,164 $3,279 $3,053 $1,362 $1,157
Liberty Mutual $1,704 $1,860 $1,312 $1,595 $8,856 $10,011 $1,808 $1,975
Nationwide $1,949 $1,959 $1,760 $1,773 $4,950 $6,377 $2,087 $2,426
Progressive $1,565 $1,485 $1,303 $1,345 $6,707 $7,556 $1,873 $1,933
State Farm $1,272 $1,272 $1,134 $1,134 $3,900 $4,899 $1,476 $1,693
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

Buy Cheap Payne, OH Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Payne, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,018 $5,750
American Family $2,790 $3,030
Farmers $6,541 $6,771
GEICO $3,279 $3,053
Liberty Mutual $8,856 $10,011
Nationwide $4,950 $6,377
Progressive $6,707 $7,556
State Farm $3,900 $4,899
Travelers $5,411 $8,570
USAA $2,571 $2,863

Buy Cheap Payne, OH Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Payne, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,657 $1,771
American Family $857 $865
Farmers $1,334 $1,406
GEICO $1,153 $1,164
Liberty Mutual $1,312 $1,595
Nationwide $1,760 $1,773
Progressive $1,303 $1,345
State Farm $1,134 $1,134
Travelers $1,247 $1,242
USAA $798 $797

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

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

Annual Auto Insurance Rates by Coverage Level in Payne, Ohio

Insurance Company Low Medium High
Allstate $2,661 $2,731 $2,816
American Family $1,451 $1,491 $1,498
Farmers $2,679 $2,777 $2,995
GEICO $1,645 $1,691 $1,760
Liberty Mutual $3,496 $3,659 $3,765
Nationwide $3,222 $2,820 $2,688
Progressive $2,862 $2,946 $3,104
State Farm $2,002 $2,103 $2,188
Travelers $2,646 $2,762 $2,768
USAA $1,323 $1,379 $1,440

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Find Cheap Payne, OH Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Payne, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,736 $2,736
American Family $1,462 $1,498
Farmers $2,817 $2,817
GEICO $1,669 $1,728
Liberty Mutual $3,640 $3,640
Nationwide $2,910 $2,910
Progressive $2,971 $2,971
State Farm $2,047 $2,149
Travelers $2,726 $2,726
USAA $1,328 $1,433

Find Cheap Payne, OH Auto Insurance Rates by Driving Record

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

Annual Payne, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,310 $2,780 $3,249 $2,605
American Family $1,419 $1,501 $1,501 $1,501
Farmers $2,322 $2,989 $2,915 $3,041
GEICO $1,156 $1,664 $2,408 $1,568
Liberty Mutual $3,059 $3,925 $4,009 $3,567
Nationwide $2,336 $2,966 $3,758 $2,581
Progressive $2,566 $3,470 $2,732 $3,116
State Farm $1,915 $2,280 $2,098 $2,098
Travelers $2,013 $2,617 $3,940 $2,333
USAA $1,062 $1,422 $1,861 $1,176

Find Cheap Payne, OH Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Payne, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,249
American Family $1,501
Farmers $2,915
GEICO $2,408
Liberty Mutual $4,009
Nationwide $3,758
Progressive $2,732
State Farm $2,098
Travelers $3,940
USAA $1,861

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

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

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

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

Average Annual Auto Insurance Rates by Company in Payne, Ohio

Insurance Company Average Annual Rates
Allstate $2,736
American Family $1,480
Farmers $2,817
GEICO $1,699
Liberty Mutual $3,640
Nationwide $2,910
Progressive $2,971
State Farm $2,098
Travelers $2,726
USAA $1,380

What affects Payne, Ohio auto insurance rates?

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

Commute Times in Payne

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Payne, OH is 20.9 minutes according to City-Data.

Compare Auto Insurance Quotes in Payne, OH

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

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