Buy Cheap Spencerville, OH Auto Insurance (2021)

Spencerville, OH auto insurance rates average $209 a month. Minimum auto insurance requirements in Spencerville, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Spencerville, OH, compare Spencerville 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 Spencerville is Liberty Mutual
  • Average auto insurance rates in Spencerville, OH after a DUI are $2,918/year
  • The most expensive auto insurance company in Spencerville after a DUI is Liberty Mutual

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

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

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

Spencerville, OH Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Spencerville, Ohio

Insurance Company Poor Fair Good
Allstate $3,538 $2,584 $2,164
American Family $1,855 $1,272 $1,079
Farmers $3,392 $2,862 $2,725
GEICO $2,035 $1,699 $1,363
Liberty Mutual $5,452 $3,348 $2,626
Nationwide $3,582 $2,889 $2,442
Progressive $3,314 $2,866 $2,676
State Farm $3,447 $2,130 $1,679
Travelers $3,045 $2,653 $2,480
USAA $1,792 $1,268 $1,081

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Spencerville, 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 $1,850 $1,842 $1,667 $1,781 $5,093 $5,836 $1,947 $2,081
American Family $898 $932 $814 $820 $2,634 $2,860 $1,101 $1,159
Farmers $1,593 $1,585 $1,404 $1,481 $6,985 $7,236 $1,788 $1,870
GEICO $1,228 $1,195 $1,153 $1,164 $3,279 $3,053 $1,362 $1,157
Liberty Mutual $1,775 $1,935 $1,368 $1,657 $9,292 $10,495 $1,886 $2,061
Nationwide $1,987 $1,997 $1,795 $1,808 $5,059 $6,518 $2,128 $2,474
Progressive $1,526 $1,436 $1,278 $1,315 $6,762 $7,603 $1,820 $1,877
State Farm $1,445 $1,445 $1,296 $1,296 $4,551 $5,716 $1,679 $1,925
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 Spencerville, OH Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Spencerville, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,093 $5,836
American Family $2,634 $2,860
Farmers $6,985 $7,236
GEICO $3,279 $3,053
Liberty Mutual $9,292 $10,495
Nationwide $5,059 $6,518
Progressive $6,762 $7,603
State Farm $4,551 $5,716
Travelers $5,411 $8,570
USAA $2,571 $2,863

Buy Cheap Spencerville, OH Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Spencerville, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,667 $1,781
American Family $814 $820
Farmers $1,404 $1,481
GEICO $1,153 $1,164
Liberty Mutual $1,368 $1,657
Nationwide $1,795 $1,808
Progressive $1,278 $1,315
State Farm $1,296 $1,296
Travelers $1,247 $1,242
USAA $798 $797

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

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

Annual Auto Insurance Rates by Coverage Level in Spencerville, Ohio

Insurance Company Low Medium High
Allstate $2,687 $2,757 $2,842
American Family $1,378 $1,412 $1,416
Farmers $2,844 $2,951 $3,184
GEICO $1,645 $1,691 $1,760
Liberty Mutual $3,669 $3,825 $3,931
Nationwide $3,285 $2,879 $2,748
Progressive $2,829 $2,925 $3,103
State Farm $2,296 $2,427 $2,534
Travelers $2,646 $2,762 $2,768
USAA $1,323 $1,379 $1,440

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Find Cheap Spencerville, OH Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Spencerville, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,762 $2,762
American Family $1,386 $1,419
Farmers $2,993 $2,993
GEICO $1,669 $1,728
Liberty Mutual $3,809 $3,809
Nationwide $2,971 $2,971
Progressive $2,952 $2,952
State Farm $2,358 $2,479
Travelers $2,726 $2,726
USAA $1,328 $1,433

Find Cheap Spencerville, OH Auto Insurance Rates by Driving Record

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

Annual Spencerville, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,328 $2,803 $3,288 $2,629
American Family $1,345 $1,421 $1,421 $1,421
Farmers $2,465 $3,177 $3,098 $3,232
GEICO $1,156 $1,664 $2,408 $1,568
Liberty Mutual $3,203 $4,104 $4,194 $3,734
Nationwide $2,384 $3,028 $3,836 $2,634
Progressive $2,547 $3,459 $2,715 $3,087
State Farm $2,201 $2,636 $2,419 $2,419
Travelers $2,013 $2,617 $3,940 $2,333
USAA $1,062 $1,422 $1,861 $1,176

Find Cheap Spencerville, OH Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Spencerville, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,288
American Family $1,421
Farmers $3,098
GEICO $2,408
Liberty Mutual $4,194
Nationwide $3,836
Progressive $2,715
State Farm $2,419
Travelers $3,940
USAA $1,861

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

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

Best Annual Auto Insurance Rates by Company in Spencerville, Ohio

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

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Find Cheap Spencerville, Ohio Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Spencerville, Ohio

Insurance Company Average Annual Rates
Allstate $2,762
American Family $1,402
Farmers $2,993
GEICO $1,699
Liberty Mutual $3,809
Nationwide $2,971
Progressive $2,952
State Farm $2,419
Travelers $2,726
USAA $1,380

What affects Spencerville, Ohio auto insurance rates?

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

Commute Times in Spencerville

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Spencerville, OH is 22.2 minutes according to City-Data.

Compare Auto Insurance Quotes in Spencerville, OH

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

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