Fairborn, OH Car Insurance

On average, Fairborn drivers pay a monthly average rate of around $56 for their car insurance. Learn more in our handy guide below.
How do rates in Fairborn measure up compared to neighboring areas, including Ohio as a whole? What rates should residents of Fairborn expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Fairborn?

Area Average Monthly Car Insurance Premium
Fairborn$56
OH$59
United States$80

As you can tell by looking at the chart above, auto insurance rates in Fairborn are about the same as the rest of Ohio.

Likewise, when compared to the national average, the cost for auto insurance in Fairborn is lower. It's around $24 less to insure your vehicle compared to the average rate for the United States as a whole.

Keep in mind that these are the average auto insurance rates for Fairborn, and that the rate you get could end up being something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

We've done the heavy lifting for you and broken down the average rate for Fairborn so that you can get a more accurate idea of what your policy will cost you. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$82
25-34$48
35-44$42
45-54Not Enough Data
55-64$34
65+$42

It makes sense that older drivers would have more experience behind the wheel. When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may begin to go back up in Fairborn.

Average Car Insurance Rates by Gender

Gender Average
Male$61
Female$51

In general, female drivers pay less for car insurance than their male counterparts. In Fairborn, the difference is around $10 per month. As you can see in the table above, male drivers in the area typically pay $61 on average, while female drivers typically pay $51 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$62
Multiple Accidents$161
1 Ticket$191
Multiple Tickets$80

Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Fairborn, having a single accident on your record will usually get you rates around $62 a month. Likewise, drivers with one ticket will be looking at a rate of around $191 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$40
2-3 Years$45
4-5 Years$44
6-7 Years$57
8-10 Years$73
11-14 Years$52
15 Years or Older$50

If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Fairborn, with drivers paying around $44 per month to insure their vehicle.

Car owners will see a monthly bill of about $60, while SUV owners by and large pay around $47 a month.

Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Fairborn, vehicles eight-to-ten years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$59
Married$48
Divorced$41
Widowed$61

Generally speaking, those who are currently married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

The difference in rates based on relationship status in Fairborn can be as much as $11 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$44
Rent$63
Live with parents$52

Another factor that comes into play is your housing status. If you rent your home or apartment in Fairborn, expect to pay around $19 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Fairborn, OH

Recent trends in car insurance for Fairborn drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.

In Fairborn, the rates for auto insurance had been increasing from 2016-2018, when they hit a high of $82. This pattern leveled out in 2019, when they began to decrease, and have continued on that path through the present -- when insurance rates reached a low of $42 per month.

How does Fairborn compare to neighboring areas?

Why are car insurance rates in Fairborn different from other areas?

Car insurance companies look at a variety of factors when they're figuring out how much to charge for a policy. Your insurance policy will depend largely on where you live and will be influenced by things such as:

  • Number of drivers in the region
  • Rate of crime
  • Off-street parking access
  • Local regulations
  • Number of car accidents

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Fairborn?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But hold on! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Fairborn.

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Fairborn Insurance FAQs

What factors affect car insurance quotes in Fairborn?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Fairborn different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Fairborn?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Fairborn?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Fairborn or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes