Cheap Quotes for Centerville, OH Car Insurance (2021)

Centerville, Ohio car insurance rates average $238 a month and Ohio law requires coverage of at least 25/50/25. By comparing rates from multiple Centerville, OH companies, you can find cheap Centerville car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 14, 2022

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Things to Know

  • Average car insurance rates in Centerville, OH for senior drivers are $1,474/year
  • Average car insurance rates in Centerville, OH after a DUI are $3,337/year
  • The cheapest car insurance company in Centerville is USAA

How do the Centerville, Ohio monthly average car insurance rates of $238/month compare to nearby cities like Dayton car insurance rates, Akron car insurance rates, and Columbus car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Centerville, OH.

We’ll cover the Ohio minimum coverage requirements, Ohio car insurance laws, and Centerville, OH statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Centerville, Ohio companies to find the most affordable Centerville car insurance rates.

Enter your ZIP code above to find cheap Centerville, OH car insurance quotes today.

What are the minimum Centerville, OH car insurance requirements?

To meet Ohio minimum car insurance coverage requirements, Centerville, OH drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Centerville, 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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Average Centerville, OH Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Centerville, OH you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Centerville, Ohio

ZIP Code Average Annual Rates
45429 $2,643
45440 $2,622

How do age, gender, and marital status affect Centerville, OH car insurance rates?

Three of the criteria that most affect car insurance rates in Centerville, Ohio are age, gender, and marital status. Let’s take a look at how each of these stack up with top Centerville car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Centerville, 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 $2,081 $2,063 $1,884 $2,011 $5,905 $6,768 $2,172 $2,311
American Family $950 $984 $875 $877 $3,008 $3,257 $1,177 $1,238
Farmers $1,671 $1,665 $1,472 $1,556 $7,493 $7,776 $1,874 $1,952
GEICO $1,338 $1,305 $1,260 $1,276 $3,645 $3,395 $1,486 $1,258
Liberty Mutual $1,983 $2,160 $1,525 $1,852 $10,558 $11,914 $2,103 $2,294
Nationwide $2,632 $2,643 $2,373 $2,388 $6,870 $8,855 $2,822 $3,287
Progressive $1,728 $1,621 $1,442 $1,486 $7,826 $8,802 $2,071 $2,138
State Farm $1,497 $1,497 $1,353 $1,353 $4,852 $6,077 $1,744 $2,005
Travelers $1,476 $1,498 $1,471 $1,462 $6,425 $10,130 $1,542 $1,756
USAA $824 $830 $788 $784 $2,565 $2,849 $1,098 $1,181

How much do teen drivers pay for car insurance in Centerville, OH?

Centerville, Ohio car insurance rates for teens are often higher than rates for other drivers. Compare Centerville car insurance rates from multiple Centerville, Ohio car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Centerville, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,905 $6,768
American Family $3,008 $3,257
Farmers $7,493 $7,776
GEICO $3,645 $3,395
Liberty Mutual $10,558 $11,914
Nationwide $6,870 $8,855
Progressive $7,826 $8,802
State Farm $4,852 $6,077
Travelers $6,425 $10,130
USAA $2,565 $2,849

How much do senior drivers pay for car insurance in Centerville, OH?

With a little research, seniors can find affordable car insurance in Centerville, Ohio. Here’s a look at how the top Centerville car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Centerville, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,884 $2,011
American Family $875 $877
Farmers $1,472 $1,556
GEICO $1,260 $1,276
Liberty Mutual $1,525 $1,852
Nationwide $2,373 $2,388
Progressive $1,442 $1,486
State Farm $1,353 $1,353
Travelers $1,471 $1,462
USAA $788 $784

How does coverage level affect Centerville, OH car insurance rates?

How much coverage do you need? Are you comfortable with the Ohio minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Centerville, OH car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Centerville, Ohio

Insurance Company Low Medium High
Allstate $3,052 $3,143 $3,254
American Family $1,516 $1,557 $1,564
Farmers $3,010 $3,133 $3,404
GEICO $1,812 $1,863 $1,937
Liberty Mutual $4,142 $4,320 $4,434
Nationwide $4,411 $3,860 $3,680
Progressive $3,266 $3,363 $3,539
State Farm $2,407 $2,555 $2,679
Travelers $3,139 $3,261 $3,260
USAA $1,302 $1,363 $1,429

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How does your driving record affect Centerville, OH car insurance rates?

Safe driving pays off. The more traffic violations you have in Centerville, OH, the higher your car insurance rates will be. Compare rates based on driving infractions from top Centerville, Ohio companies.

Annual Centerville, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,634 $3,193 $3,778 $2,993
American Family $1,481 $1,567 $1,567 $1,567
Farmers $2,622 $3,381 $3,297 $3,429
GEICO $1,264 $1,834 $2,671 $1,714
Liberty Mutual $3,611 $4,637 $4,732 $4,214
Nationwide $3,187 $4,061 $5,159 $3,527
Progressive $2,920 $3,981 $3,110 $3,545
State Farm $2,310 $2,785 $2,547 $2,547
Travelers $2,367 $3,092 $4,666 $2,755
USAA $1,048 $1,406 $1,846 $1,160

How does a DUI affect Centerville, OH car insurance rates?

With even one DUI on your record, you can see an increase in your Centerville, OH car insurance rates.

Annual Car Insurance Rates After a DUI in Centerville, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,778
American Family $1,567
Farmers $3,297
GEICO $2,671
Liberty Mutual $4,732
Nationwide $5,159
Progressive $3,110
State Farm $2,547
Travelers $4,666
USAA $1,846

How does your credit history affect Centerville, OH car insurance rates?

Take a look at the data here to see how your Centerville, Ohio car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Centerville, Ohio

Insurance Company Poor Fair Good
Allstate $4,038 $2,951 $2,460
American Family $2,049 $1,401 $1,187
Farmers $3,600 $3,047 $2,900
GEICO $2,243 $1,871 $1,498
Liberty Mutual $6,150 $3,782 $2,964
Nationwide $4,817 $3,872 $3,262
Progressive $3,795 $3,292 $3,081
State Farm $3,627 $2,244 $1,771
Travelers $3,599 $3,134 $2,928
USAA $1,767 $1,256 $1,072

How does your commute affect Centerville, OH car insurance rates?

Centerville, OH car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Ohio can be seen here. Remember, though, that you may have to carry substantially more car insurance in Centerville if you’re financing.

Annual Car Insurance Rates by Commute Length in Centerville, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,150 $3,150
American Family $1,527 $1,564
Farmers $3,182 $3,182
GEICO $1,839 $1,902
Liberty Mutual $4,299 $4,299
Nationwide $3,984 $3,984
Progressive $3,389 $3,389
State Farm $2,484 $2,611
Travelers $3,220 $3,220
USAA $1,314 $1,416

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Who has the cheapest Centerville, OH car insurance rates?

Here’s a breakdown of Centerville, Ohio car insurance rates by company. You can see which company offers the cheapest Centerville car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Centerville, 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

What are the top Centerville, OH car insurance companies?

Which Centerville, Ohio car insurance company will best fit your needs and budget? Check out this comparison of the top Centerville companies to find the one for you.

Average Annual Car Insurance Rates by Company in Centerville, Ohio

Insurance Company Average Annual Rates
Allstate $3,150
American Family $1,546
Farmers $3,182
GEICO $1,871
Liberty Mutual $4,299
Nationwide $3,984
Progressive $3,389
State Farm $2,547
Travelers $3,220
USAA $1,365

What factors affect Centerville, OH car insurance rates?

Why are Centerville, Ohio car insurance rates different than rates in Dayton or Akron? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Centerville, OH?

FBI statistics show that the Centerville, Ohio car theft rate is 10 thefts each year. High theft rates can lead to higher than average Centerville, OH car insurance rates.

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Car Insurance Quotes for Centerville, OH

Shop for affordable Centerville, Ohio car insurance rates today. Enter your ZIP code to compare quotes from multiple Centerville, OH car insurance companies.

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