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Cheapest car insurance in Xenia, Ohio (May 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Xenia, Ohio.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor

How to find the cheapest car insurance in Xenia

In order to find the cheapest quotes for your budget in Xenia, you’ll need to decide what level of coverage you’re looking for. Jerry offers the option to shop at four different levels of coverage—Basic, Basic + Full coverage, Standard, and Preferred—or build your own custom policy. 
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Minimum liability quotes will be cheaper, but offer less protection.
Most drivers need a Standard or Preferred plan to cover all their insurance needs.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$99
Linnie, 69
Zip: 45385
Saturn L100
• State Minimum Liability
Clearcover
$87
Virgie, 28
Zip: 45385
Toyota Corolla L
• State Minimum Liability
• Comp / Collision
Dairyland
$153
Nora, 45
Zip: 45385
KIA Forte EX
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 26, 2024

Best car insurance companies in Xenia

There is no single best car insurance company for everyone. The most important reason is that every customer gets different
car insurance quotes
based on their profile—so the most affordable company is different for everyone. 
Besides price, you also need to consider factors such as claims handling and customer service. 
To help drivers better compare the cheapest car insurance companies, Jerry conducted the largest insurance survey in the nation—and what we found surprised us. 
The results: While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers. 
Insurance companyOverall ratingPriceClaims experienceCustomer service
Farmers
4.7
4.7
N/A
4.7
Allstate
4.6
4
4.3
4
State Farm
4.4
3.7
4.8
4.6
Progressive
4.3
3.6
3.9
4.2
Geico
3.9
3.8
3.8
4.2
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Xenia

Ohio has a minimum liability insurance requirement, which is the minimal amount of car insurance you need to have in Xenia and gives you the cheapest rate. But minimum liability often isn’t enough coverage—you should consider getting full coverage if you want to cover the repair or replacement costs for your own car.   

Cheap minimum liability insurance quotes in Xenia

In order to legally hit the road, Xenia drivers need to meet Ohio minimum coverage limits for bodily injury liability and property damage liability.
In Ohio, drivers are subject to minimum car insurance coverage requirements, which include the following liability insurance limits:
These liability coverages are commonly referred to as 25/50/25 coverage. With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving. 
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A basic minimum coverage policy can start as low as $20/month in Xenia.
But don’t forget to compare your basic quotes with more robust coverage options, like a standard full coverage policy.

Do you need more than minimum coverage in Xenia?

Most drivers in Xenia need higher liability coverage than the 25/50/25 state minimum mandated by
Ohio car insurance laws
In an at-fault accident, you could be responsible for medical bills and vehicle repairs far exceeding these minimum limits, especially if you cause serious injuries to another person. If another driver’s car is totaled, the cost to replace it could be more than $40,000—well above that minimum $25,000 property damage limit.
The bottom line: For better financial protection, consider 50/100/50 or 100/300/100 liability coverage as well as full coverage.

Cheap full coverage car insurance quotes in Xenia

Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your car.
Full coverage includes comprehensive and collision coverage:
  •  
    Collision coverage
    covers the cost of fixing or replacing your car after an accident.
  • Comprehensive coverage
    pays out if your car is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters.
If you have a loan on the car, your lender will require collision and comprehensive coverage. On top of a full-coverage policy, you can purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance.
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A robust car insurance policy doesn’t need to cost an arm and a leg.
With
Jerry
, a full coverage plan with high liability limits could cost well under $100/month.
Lower my car insurance too!

Average cost of car insurance in Xenia

By helping lots of drivers in Xenia find car insurance, we found that the average cost for minimum liability coverage is $84 per month or $1,008 per year. The average cost for full coverage insurance in Xenia is $150 per month or $1,800 per year.
While average insurance rates can help you predict your own insurance costs, it's important to note that each driver's insurance premium is calculated based on many factors—the type of car, driving record, claims history, demographics, and more. 
Based on our experience working with drivers in Xenia, we've observed that insurance premiums for minimum liability coverage start at around $84 per month, while full coverage policies start at about $150 per month. Based on each driver’s situation, the costs can go up to several hundred dollars per month. 

Car insurance quotes in Xenia by rating factors 

Insurance companies in Xenia use many rating factors when
deciding your auto insurance premium
:  
  • Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets. 
  • Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience. 
  • The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars. 
  • Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims. 
  • How you use your car: Insurance companies often charge more if you drive your car to and from work than use it for leisure. 

How do different factors impact your car insurance costs in Xenia?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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Prohibited (or effectively prohibited): Ohio currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Xenia:

Cheap car insurance quotes in Xenia after driving violations

Your
Ohio driving history
impacts your auto insurance quotes. If insurance companies notice a history of violations, they’ll see you as a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:
  • Speeding
  • DUIs
  • At fault accident 
  • Reckless driving 
  • Driving on a suspended license

Cheapest car insurance in Xenia after an at-fault accident

One of the most important factors affecting car insurance rates is your car accident or claim history.
Ohio is an at-fault state. If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Xenia drivers save on car insurance after accidents. 
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$99
Jose, 69
Zip: 45385
Saturn L100
• State Minimum Liability
Not At Fault
AAA
$137
Leila, 45
Zip: 45385
Chevrolet Equinox LS
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Safeco
$88
Ernest, 30
Zip: 45385
Chevrolet Equinox LTZ
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 23, 2024

Cheapest car insurance in Xenia after other driving violations

In addition to speeding tickets and DUIs, other violations such as
reckless driving
and driving on a suspended license can also cause your in car insurance costs to increase in Xenia.
We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance. 
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Obey Signal
Progressive
$81
Brent, 27
Zip: 45385
Pontiac Grand Prix
• State Minimum Liability
• Comp / Collision
Driving on Sus. License
Progressive
$99
Juan, 69
Zip: 45385
Saturn L100
• State Minimum Liability
Failure to Obey Signal
Progressive
$81
Sue, 27
Zip: 45385
Pontiac Grand Prix
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 20, 2024

Cheap car insurance quotes in Xenia by age

Young drivers pay very high insurance rates due to limited driving experience. Rates tend to drop around the age of 25 and increase again mid-70s. 

Cheapest car insurance in Xenia for young drivers

On average,
teen drivers
between the ages of 16 and 19 pay the highest insurance rates in Ohio. 
The best way to keep car insurance costs low for teen drivers is to keep them on their parent’s policy. But don’t skip on coverage—because teens are statistically more likely to get into an accident, it’s a good idea to increase their liability limits, and full coverage is a must-have if they drive a newer car.
Jerry can help young drivers in Ohio find lower than average rates for a variety of coverage levels, as shown in the samples below:
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Allen (23 years old)
coverageCoverage
State Minimum
locationXenia, OH
(Zip Code: 45385)
$141
per month
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Eugene (21 years old)
coverageCoverage
State Minimum
locationXenia, OH
(Zip Code: 45385)
$176
per month

Cheapest car insurance in Xenia for senior drivers

Car insurance rates tend to be lowest for drivers throughout middle age, but they often go up again once drivers hit their mid-70s.
Car insurance costs for seniors
tend to be higher because drivers in this age group may be more likely to get into accidents, and they’re at an increased risk of serious injuries if they do get into a collision.
But that doesn't mean senior drivers still can't save on car insurance. Using Jerry, elder motorists can find their ideal coverage for a cheaper price:
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Trexis
Eliza (69 years old)
coverageCoverage
State Minimum
locationXenia, OH
(Zip Code: 45385)
carSaturn L100
$62
per month

Cheap car insurance quotes in Xenia based on insurance history

An important factor in your car insurance rates is your insurance history—i.e., whether you are currently insured or not.
Any lapse in your insurance coverage
usually leads to an increase in car insurance rates.
To help our customers make insurance payments on time and to avoid a lapse in coverage, Jerry sends payment reminders to eligible customers when a payment is coming up or if they’re late on their payments.
We have helped many customers who are currently not insured or have had a lapse in coverage find savings on a new auto insurance policy.
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Blake (69 years old)
Currently Insured
coverageCoverage
State Minimum
locationXenia, OH
(Zip Code: 45385)
carSaturn L100
$99
per month
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Sophie (45 years old)
Currently Insured
coverageCoverage
State Minimum
locationXenia, OH
(Zip Code: 45385)
$143
per month
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Hallie (30 years old)
Currently Insured
coverageCoverage
State Minimum
locationXenia, OH
(Zip Code: 45385)
carChevrolet Equinox LTZ
$88
per month
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Linnie (31 years old)
Currently Insured
coverageCoverage
250,000 per person
500,000 per accident bodily injury
Comp / Collision
locationXenia, OH
(Zip Code: 45385)
carHonda HR-V EX
$86
per month
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Betty (29 years old)
Currently Insured
coverageCoverage
State Minimum
locationXenia, OH
(Zip Code: 45385)
$147
per month

Cheap car insurance quotes in Xenia for drivers with poor credit

Drivers with poor credit scores
are statistically more likely to file claims, which can result in higher rates from insurance providers.
If you’re struggling with bad credit: By taking what steps you can to build good credit over time, you could find even more savings on car insurance in the future.
Our data shows that the average car insurance rate for the highest credit bracket (over 750) is almost 20% higher than the average cost for people with lower credit scores (under 550). 
Luckily, drivers with poor credit can lower their rates using Jerry:
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
660 - 750
Progressive
$112
Cecelia, 45
Zip: 45385
KIA Forte EX
• State Minimum Liability
• Comp / Collision
660 - 750
AAA
$143
Lucinda, 45
Zip: 45385
KIA Forte EX
• State Minimum Liability
• Comp / Collision
550 - 659
Gainsco
$129
Fannie, 41
Zip: 45385
KIA Sorento L
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 26, 2024

How to lower car insurance costs in Xenia

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months. 
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free! 

 2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts. Keeping a clean driving record and/or going a certain number of years without an at-fault accident could help you qualify for a discount from your provider.
  • Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

How much is car insurance in Xenia?

People living in Xenia pay on average $84 per month – or $1,008 per year – on state-minimum liability coverage. Full coverage in Xenia costs on average $150 per month or $1,800 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Xenia?

Based on thousands of Xenia drivers Jerry has worked with, car insurance in Xenia costs an average of $84 per month for state-minimum coverage and $150 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Xenia?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Nationwide, Safeco, and Safe Auto receive good ratings from Xenia drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.

What is the minimum car insurance in Xenia, Ohio?

The state-minimum car insurance in Xenia, Ohio is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 25/50/25 coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Amy Bobinger
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Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.