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How much is car insurance in Fairborn?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, car insurance rates in Fairborn are slightly less expensive than the rest of Ohio.
Compared to the national average cost of auto insurance coverage, Fairborn has lower rates. You can expect to pay about $26 less for your policy in Fairborn than in the rest of United States.
These rates may be the average amount Fairborn drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
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. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates begin to go back up once you hit retirement age in Fairborn.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. This rings true in Fairborn, where women pay around $7 less per month than men. As you can see in the chart above, car insurance for women in the area typically costs around $52 each month, while men pay $59 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Fairborn with a single accident will pay around $61 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $103 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$40|
|15 Years or Older||$51|
In terms of affordable coverage, the cheapest vehicles to insure in Fairborn are usually SUVs, trucks, and vans, at $43 per month.
Car owners, however, pay about $59 per month for auto insurance.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. 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)||$58|
More often than not, people who are married will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Fairborn is no exception, with the difference totaling to around $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$53|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $18 a month more than if you own your own home in Fairborn. But those who live at home with their parents can expect to pay significantly 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 picking an insurance policy.
In Fairborn, auto insurance rates rose from 2017-2018, 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 car insurance rates reached a low of $35 per month.
How does Fairborn compare to neighboring areas?
Why are car insurance rates in Fairborn different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a variety of factors. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Total number of drivers
- Road Safety (frequency of car accidents)
- Area crime rates
- Regional regulations
- Availability of off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Fairborn?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering policies in Fairborn in no time.
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Fairborn Insurance FAQs
What factors affect car insurance quotes in Fairborn?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Fairborn different from other neighboring cities?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Fairborn?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Fairborn?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Fairborn or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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