Buy Cheap Spencer, OH Auto Insurance (2021)

Spencer, OH auto insurance rates average $223 a month. Minimum auto insurance requirements in Spencer, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Spencer, OH, compare Spencer 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 Spencer, OH are $223/month
  • The most expensive auto insurance company in Spencer after a DUI is Liberty Mutual
  • Average auto insurance rates in Spencer, OH for teens drivers are $5,546/year

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

See how Spencer, OH car insurance rates compare to Toledo auto insurance rates, Cincinnati auto insurance rates, and Lorain auto insurance rates before you read more about the cost of auto insurance in Spencer.

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

Spencer, OH Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Spencer, Ohio

Insurance Company Poor Fair Good
Allstate $3,975 $2,904 $2,418
American Family $1,927 $1,310 $1,108
Farmers $3,647 $3,087 $2,940
GEICO $1,967 $1,643 $1,319
Liberty Mutual $5,830 $3,587 $2,813
Nationwide $3,592 $2,897 $2,449
Progressive $3,739 $3,237 $3,027
State Farm $3,462 $2,140 $1,687
Travelers $3,376 $2,939 $2,746
USAA $1,907 $1,352 $1,153

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Spencer, 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 $2,050 $2,033 $1,856 $1,982 $5,809 $6,647 $2,139 $2,275
American Family $901 $935 $823 $827 $2,787 $3,027 $1,115 $1,174
Farmers $1,696 $1,692 $1,493 $1,576 $7,579 $7,881 $1,899 $1,980
GEICO $1,183 $1,151 $1,121 $1,137 $3,179 $2,953 $1,312 $1,106
Liberty Mutual $1,886 $2,057 $1,451 $1,765 $9,995 $11,281 $1,998 $2,178
Nationwide $1,982 $1,989 $1,793 $1,802 $5,115 $6,573 $2,120 $2,459
Progressive $1,711 $1,609 $1,427 $1,470 $7,665 $8,625 $2,050 $2,117
State Farm $1,453 $1,453 $1,303 $1,303 $4,564 $5,737 $1,688 $1,933
Travelers $1,385 $1,406 $1,378 $1,371 $6,012 $9,528 $1,443 $1,641
USAA $890 $897 $848 $846 $2,751 $3,062 $1,189 $1,281

Buy Cheap Spencer, OH Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Spencer, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,809 $6,647
American Family $2,787 $3,027
Farmers $7,579 $7,881
GEICO $3,179 $2,953
Liberty Mutual $9,995 $11,281
Nationwide $5,115 $6,573
Progressive $7,665 $8,625
State Farm $4,564 $5,737
Travelers $6,012 $9,528
USAA $2,751 $3,062

Buy Cheap Spencer, OH Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Spencer, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,856 $1,982
American Family $823 $827
Farmers $1,493 $1,576
GEICO $1,121 $1,137
Liberty Mutual $1,451 $1,765
Nationwide $1,793 $1,802
Progressive $1,427 $1,470
State Farm $1,303 $1,303
Travelers $1,378 $1,371
USAA $848 $846

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

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

Annual Auto Insurance Rates by Coverage Level in Spencer, Ohio

Insurance Company Low Medium High
Allstate $2,995 $3,093 $3,209
American Family $1,423 $1,460 $1,463
Farmers $3,049 $3,174 $3,450
GEICO $1,587 $1,635 $1,706
Liberty Mutual $3,918 $4,099 $4,213
Nationwide $3,285 $2,888 $2,764
Progressive $3,215 $3,308 $3,480
State Farm $2,305 $2,437 $2,546
Travelers $2,927 $3,063 $3,071
USAA $1,402 $1,469 $1,541

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Find Cheap Spencer, OH Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Spencer, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,099 $3,099
American Family $1,431 $1,466
Farmers $3,225 $3,225
GEICO $1,615 $1,670
Liberty Mutual $4,077 $4,077
Nationwide $2,979 $2,979
Progressive $3,334 $3,334
State Farm $2,369 $2,490
Travelers $3,020 $3,020
USAA $1,414 $1,527

Find Cheap Spencer, OH Auto Insurance Rates by Driving Record

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

Annual Spencer, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,591 $3,143 $3,717 $2,944
American Family $1,388 $1,469 $1,469 $1,469
Farmers $2,660 $3,426 $3,341 $3,470
GEICO $1,113 $1,609 $2,345 $1,504
Liberty Mutual $3,423 $4,400 $4,488 $3,995
Nationwide $2,395 $3,036 $3,841 $2,644
Progressive $2,874 $3,912 $3,061 $3,490
State Farm $2,212 $2,647 $2,429 $2,429
Travelers $2,224 $2,898 $4,375 $2,585
USAA $1,128 $1,513 $1,992 $1,249

Find Cheap Spencer, OH Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Spencer, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,717
American Family $1,469
Farmers $3,341
GEICO $2,345
Liberty Mutual $4,488
Nationwide $3,841
Progressive $3,061
State Farm $2,429
Travelers $4,375
USAA $1,992

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

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

Best Annual Auto Insurance Rates by Company in Spencer, Ohio

Category Insurance Company
Teenagers USAA
Seniors American Family
Clean Record GEICO
With 1 Accident American Family
With 1 DUI American Family
With 1 Speeding Violation USAA

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Find Cheap Spencer, Ohio Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Spencer, Ohio

Insurance Company Average Annual Rates
Allstate $3,099
American Family $1,449
Farmers $3,225
GEICO $1,643
Liberty Mutual $4,077
Nationwide $2,979
Progressive $3,334
State Farm $2,429
Travelers $3,020
USAA $1,470

What affects Spencer, Ohio auto insurance rates?

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

Auto Theft in Spencer

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Spencer, OH auto theft show a total of 19 vehicle thefts annually.

Commute Times in Spencer

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Spencer, OH is 37.0 minutes according to City-Data.

Compare Auto Insurance Quotes in Spencer, OH

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

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