Best Westerville, Ohio Auto Insurance in 2024
The average Westerville, OH auto insurance rates are $248 per month. The minimum auto insurance in Westerville is at least 25/50/25 in coverage to comply with Ohio auto insurance laws. To find the best cheap auto insurance in Westerville, Ohio, compare quotes from multiple companies.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Aug 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Westerville for teen drivers is Liberty Mutual
- The cheapest auto insurance company in Westerville is USAA
- The minimum auto insurance required in Westerville, Ohio is 25/50/25
Westerville, Ohio auto insurance requirements are 25/50/25 according to Ohio auto insurance laws. Finding cheap auto insurance in Westerville can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Westerville, Ohio, including driving record, credit, commute time, and more.
Compare auto insurance in Westerville to other Ohio cities, including Youngs auto insurance rates, Columbus auto insurance rates, and Cincinnati auto insurance rates to see how Westerville, Ohio auto insurance rates stack up.
Before you buy Westerville, Ohio auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Westerville, Ohio auto insurance quotes.
Minimum Auto Insurance in Westerville, Ohio
Westerville, Ohio auto insurance laws require that you have at least the Ohio minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Westerville, 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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Cheap Westerville, Ohio Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Westerville, Ohio are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $2,183 | $2,162 | $1,976 | $2,110 | $6,269 | $7,201 | $2,278 | $2,423 |
| American Family | $966 | $1,000 | $900 | $899 | $3,274 | $3,534 | $1,207 | $1,268 |
| Farmers | $1,884 | $1,878 | $1,657 | $1,752 | $8,532 | $8,869 | $2,112 | $2,199 |
| Geico | $1,389 | $1,352 | $1,310 | $1,329 | $3,814 | $3,549 | $1,544 | $1,300 |
| Liberty Mutual | $2,569 | $2,806 | $1,968 | $2,402 | $13,712 | $15,481 | $2,727 | $2,977 |
| Nationwide | $2,148 | $2,156 | $1,942 | $1,952 | $5,578 | $7,171 | $2,299 | $2,669 |
| Progressive | $1,671 | $1,566 | $1,393 | $1,438 | $7,604 | $8,548 | $2,002 | $2,070 |
| State Farm | $1,549 | $1,549 | $1,397 | $1,397 | $5,017 | $6,289 | $1,806 | $2,077 |
| Travelers | $1,391 | $1,411 | $1,389 | $1,381 | $6,122 | $9,704 | $1,453 | $1,643 |
| USAA | $852 | $858 | $814 | $810 | $2,657 | $2,953 | $1,137 | $1,226 |
Cheap Westerville, Ohio Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Westerville, Ohio is a challenge. Take a look at the annual teen auto insurance rates in Westerville, Ohio.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,269 | $7,201 |
| American Family | $3,274 | $3,534 |
| Farmers | $8,532 | $8,869 |
| Geico | $3,814 | $3,549 |
| Liberty Mutual | $13,712 | $15,481 |
| Nationwide | $5,578 | $7,171 |
| Progressive | $7,604 | $8,548 |
| State Farm | $5,017 | $6,289 |
| Travelers | $6,122 | $9,704 |
| USAA | $2,657 | $2,953 |
Cheap Westerville, Ohio Auto Insurance for Seniors
What are senior auto insurance rates in Westerville, Ohio? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,976 | $2,110 |
| American Family | $900 | $899 |
| Farmers | $1,657 | $1,752 |
| Geico | $1,310 | $1,329 |
| Liberty Mutual | $1,968 | $2,402 |
| Nationwide | $1,942 | $1,952 |
| Progressive | $1,393 | $1,438 |
| State Farm | $1,397 | $1,397 |
| Travelers | $1,389 | $1,381 |
| USAA | $814 | $810 |
Cheap Westerville, Ohio Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Westerville, Ohio compared to the annual auto insurance rates with a clean record in Westerville, Ohio.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,776 | $3,368 | $3,997 | $3,159 |
| American Family | $1,562 | $1,654 | $1,654 | $1,654 |
| Farmers | $2,975 | $3,838 | $3,742 | $3,886 |
| Geico | $1,312 | $1,911 | $2,794 | $1,777 |
| Liberty Mutual | $4,681 | $6,024 | $6,148 | $5,468 |
| Nationwide | $2,601 | $3,302 | $4,181 | $2,873 |
| Progressive | $2,830 | $3,864 | $3,015 | $3,437 |
| State Farm | $2,390 | $2,880 | $2,635 | $2,635 |
| Travelers | $2,250 | $2,939 | $4,441 | $2,618 |
| USAA | $1,086 | $1,457 | $1,910 | $1,202 |
Cheap Westerville, Ohio Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Westerville, Ohio is not easy. Compare the annual rates for DUI auto insurance in Westerville, Ohio to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $3,997 |
| American Family | $1,654 |
| Farmers | $3,742 |
| Geico | $2,794 |
| Liberty Mutual | $6,148 |
| Nationwide | $4,181 |
| Progressive | $3,015 |
| State Farm | $2,635 |
| Travelers | $4,441 |
| USAA | $1,910 |
Cheap Westerville, Ohio Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Westerville, Ohio annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,260 | $3,118 | $2,598 |
| American Family | $2,169 | $1,477 | $1,248 |
| Farmers | $4,078 | $3,460 | $3,294 |
| Geico | $2,338 | $1,948 | $1,559 |
| Liberty Mutual | $7,998 | $4,904 | $3,839 |
| Nationwide | $3,909 | $3,150 | $2,659 |
| Progressive | $3,680 | $3,192 | $2,988 |
| State Farm | $3,756 | $2,321 | $1,829 |
| Travelers | $3,419 | $2,980 | $2,786 |
| USAA | $1,832 | $1,300 | $1,108 |
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Cheap Westerville, Ohio Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Westerville, Ohio can vary. Compare the annual cost of auto insurance by ZIP code in Westerville, Ohio to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 43082 | $2,832 |
Cheap Westerville, Ohio Auto Insurance Rates By Commute
Commute length and annual mileage affect Westerville, Ohio auto insurance. Find the cheapest annual Westerville, Ohio auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,325 | $3,325 |
| American Family | $1,611 | $1,651 |
| Farmers | $3,610 | $3,610 |
| Geico | $1,917 | $1,979 |
| Liberty Mutual | $5,580 | $5,580 |
| Nationwide | $3,239 | $3,239 |
| Progressive | $3,287 | $3,287 |
| State Farm | $2,569 | $2,701 |
| Travelers | $3,062 | $3,062 |
| USAA | $1,361 | $1,466 |
Cheap Westerville, Ohio Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Westerville, Ohio? Check out the comparison of annual Westerville, Ohio auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,233 | $3,320 | $3,423 |
| American Family | $1,599 | $1,644 | $1,650 |
| Farmers | $3,411 | $3,555 | $3,866 |
| Geico | $1,888 | $1,941 | $2,016 |
| Liberty Mutual | $5,360 | $5,609 | $5,772 |
| Nationwide | $3,581 | $3,139 | $2,998 |
| Progressive | $3,173 | $3,261 | $3,425 |
| State Farm | $2,496 | $2,644 | $2,765 |
| Travelers | $2,968 | $3,104 | $3,113 |
| USAA | $1,352 | $1,412 | $1,476 |
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Best By Category: Cheapest Auto Insurance in Westerville, Ohio
Compare the cheapest auto insurance companies in Westerville, Ohio in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | American Family |
| With 1 Speeding Violation | USAA |
The Cheapest Westerville, Ohio Auto Insurance Companies
What auto insurance companies in Westerville, Ohio are the cheapest? Compare the top Westerville, Ohio auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,325 |
| American Family | $1,631 |
| Farmers | $3,610 |
| Geico | $1,948 |
| Liberty Mutual | $5,580 |
| Nationwide | $3,239 |
| Progressive | $3,287 |
| State Farm | $2,635 |
| Travelers | $3,062 |
| USAA | $1,413 |
What affects auto insurance rates in Westerville, Ohio?
There are a lot of reasons why auto insurance rates in Westerville, Ohio are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Westerville, Ohio. Many local factors may affect your Westerville auto insurance rates.
Westerville Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Westerville, Ohio auto theft statistics, there have been 22 auto thefts in the city.
Westerville Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Westerville, Ohio commute length is 22.2 minutes according to City-Data.
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Compare Westerville, Ohio Auto Insurance Quotes
Before you buy Westerville, Ohio auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Westerville, Ohio auto insurance quotes.
Frequently Asked Questions
Can I cancel or switch my policy in Westerville, Ohio?
Yes, you can cancel or switch, but consider penalties and have a new policy in place.
What should I do if I’m involved in an accident in Westerville, Ohio?
Ensure safety, exchange information, report to police and your insurer.
Can my policy in Westerville, Ohio cover rental cars?
Some policies offer coverage, but check with your provider.
Can I choose my own auto repair shop after an accident in Westerville, Ohio?
In most cases, you can choose your own shop.
Are there specific requirements for leased or financed vehicles in Westerville, Ohio?
Yes, lease or loan agreements may require certain coverage levels.
Can I get coverage for uninsured/underinsured drivers in Westerville, Ohio?
Yes, you can add this coverage to your policy for protection.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.