Cheapest Car Insurance Quotes in Westernville

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Westernville Car Insurance

^$ 36

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Westernville

The car insurance rate in Westernville is $833 for a six-month policy, which is $196 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $447, making it a popular choice for budget-conscious drivers. Rates in Westernville can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Westernville

$833

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Westernville

1st place: Kemper

At $447 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: New York Central Mutual Fire

New York Central Mutual Fire offers auto insurance rates at $592 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $597 for six months, making it the third cheapest auto insurance company in Westernville.

Westernville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Westernville, NY is Kemper, offering policies at just $447 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $592.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1246 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Westernville drivers find the best deals.

Cheap Car Insurance Companies in Westernville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$447	$76
New York Central Mutual Fire	$592	$99
Progressive	$597	$100
American Family	$693	$117
NYCM	$727	$122
Erie	$871	$145
Nationwide	$876	$149
USAA	$880	$148
State Farm	$1092	$184
Travelers	$1150	$194
Allstate	$1246	$210

Key Takeaways

Way's key takeaways about car insurance in Westernville

The auto insurance costs in Westernville fall around $447 for six months.
The cheapest auto insurance company in Westernville is New York Central Mutual Fire.
Teen drivers pay the highest rate in Westernville at $635 per month.

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Cheapest Minimum Liability Car Insurance in Westernville

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Westernville are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Westernville. Their Average 6 Month Premium is $211. Preferred Mutual is the most expensive at $558 for the same period.

Cheapest Liability Coverage in Westernville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$211	$36
NYCM	$221	$37
Kemper	$260	$43
Progressive	$308	$52
American Family	$313	$53
USAA	$380	$64
Nationwide	$404	$67
Erie	$510	$87
State Farm	$592	$100
Travelers	$635	$107
Allstate	$664	$112
Utica National	$462	$79
Preferred Mutual	$558	$93

Cheapest Full Coverage Car Insurance in Westernville

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Westernville is Kemper at $76 per month and $447 for six months.

Cheapest Full Coverage Car Insurance Quotes in Westernville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$447	$76
New York Central Mutual Fire	$592	$99
Progressive	$597	$100
American Family	$693	$117
NYCM	$727	$122
Erie	$871	$145
Nationwide	$876	$149
USAA	$880	$148
State Farm	$1092	$184
Travelers	$1150	$194
Allstate	$1246	$210

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Average Car Insurance in Westernville by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Westernville, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Westernville, New York, may be increasing due to several external factors. New York has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Westernville's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Westernville

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	National Grange Mutual	$456
30s	National Grange Mutual	$325
40s	National Grange Mutual	$313
50s	National Grange Mutual	$318
60s	National Grange Mutual	$342
70s	National Grange Mutual	$469

Cheapest Car Insurance Rates for Teen Drivers in Westernville,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Westernville at $50 per month. At $3772 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$303	$50
American Family	$365	$62
NYCM	$611	$103
Progressive	$967	$163
New York Central Mutual Fire	$1054	$176
USAA	$1934	$326
Nationwide	$2526	$421
Travelers	$3127	$527
Allstate	$3383	$569
State Farm	$3772	$635

Teen Car Insurance Rates in NY by Age

Way Tip

If you are in your twenties National Grange Mutual is the best choice for car insurance in Westernville.

As young drivers face the highest rates in Westernville, National Grange Mutual offers the cheapest auto insurance rates at $456 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Westernville, Chubb is the cheapest car insurance provider. At $650 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Westernville is Progressive, offering rates of around $4191 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$650	$109
Kemper	$679	$115
Nationwide	$876	$146
USAA	$1213	$207
NYCM	$1265	$211
Erie	$1371	$233
American Family	$1612	$269
Allstate	$1650	$278
State Farm	$1708	$288
Mercury	$2006	$341
Travelers	$2049	$345
Progressive	$4191	$706

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Car Insurance Rates with An Accident in Westernville

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Westernville, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Westernville

The cheapest car insurance companies after an at-fault accident in Westernville include Kemper and American Family, offering $375 and $385, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $467.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$375	$62
American Family	$385	$65
NYCM	$467	$79
Erie	$510	$87
Chubb	$563	$94
Progressive	$616	$104
New York Central Mutual Fire	$712	$119
USAA	$765	$129
Nationwide	$1150	$192
Allstate	$1160	$195
State Farm	$1400	$236
Travelers	$1424	$240
Utica National	$462	$79
Preferred Mutual	$467	$78

Westernville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Westernville NY. For example, the car insurance in Westernville after a DUI increases to $577 for a six month policy. While the rate increases by $91 for a six-month policy in the case of a speeding ticket.

Westernville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1015	$169
One Med/PIP claim	$1015	$173
One comp claim	$1025	$171
Two comp claims	$1034	$176
Two Med/PIP claims	$1034	$173
Not-at-fault accident	$1039	$177
Failure to show documents	$1054	$176
Failure to wear a seat belt	$1059	$180
Driving with expired registration	$1068	$178
At-fault accident - less than $1000	$1073	$182
Cell phone violation	$1073	$179
Child safety restraint	$1073	$182
Driving without lights	$1073	$179
Failure to stop at a red light	$1073	$182
Failure to yield	$1073	$179
Following too closely	$1073	$182
Illegal turn	$1073	$179
Improper passing	$1073	$182
Passing school bus	$1073	$179
Texting while driving	$1073	$182
Wrong way/wrong lane	$1073	$179
Driving too slowly	$1083	$184
Speeding in school zone	$1083	$181
At-fault accident - $1000-$2000	$1087	$185
Speeding 11 - 15 MPH over limit	$1106	$185
Speeding 6 - 10 MPH over limit	$1106	$188
Operating a vehicle without permission	$1126	$188
Open container	$1140	$194
In 65 MPH zone	$1188	$198
Speeding 16 - 20 MPH over limit	$1203	$205
Speeding 21 - 25 MPH over limit	$1246	$207
At-fault accident - greater than $2000	$1342	$228
Reckless driving	$1434	$239
Racing	$1491	$254
Driving with a suspended license	$1545	$258
Refusal to submit to a chemical test	$1578	$268
DUI	$1592	$266
Leaving scene of an accident/hit and run	$1617	$275

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Westernville after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Westernville.

The cheapest car insurance premiums in Westernville are offered by American Family at $365 for a six-month policy. However, it can be as expensive as $1631 with companies like State Farm.

Westernville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$365	$62
Kemper	$385	$66
Progressive	$467	$79
NYCM	$587	$99
New York Central Mutual Fire	$866	$144
USAA	$923	$156
Allstate	$1371	$231
Travelers	$1409	$237
Nationwide	$1429	$238
State Farm	$1631	$275

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Westernville are offered by American Family at $322. However, it can be as expensive as $1655 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Westernville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$322	$55
Kemper	$322	$53
Progressive	$399	$67
NYCM	$534	$89
USAA	$727	$124
Nationwide	$1001	$167
State Farm	$1083	$184
Travelers	$1583	$264
Allstate	$1655	$281

Car Insurance Price Trends in Westernville, New York

Car insurance rates in Westernville have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Westernville dipped by $200 in December compared to $201 of November. In other words, there has been an decrease by $1 when you compare December and November.

The average cost of liability insurance in the Westernville dipped to $69 in December, compared to $71 in November. This represents an decrease of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Westernville?

The car insurance in Westernville is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Westernville?

The cheapest car insurance in Westernville is $76 per month for full coverage.

How much is car insurance in Westernville for teenagers?

Car insurance for teenagers costs $303 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Westernville?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $140 per month to insure your car in Westernville.

Is car insurance expensive in Westernville?

Car insurance can be expensive in Westernville if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Westernville can be affordable.

Cheapest Car Insurance Quotes in Westernville

Why you can trust Way?

How Much Is Car Insurance in Westernville

Avg. Car Insurance in Westernville

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Westernville

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Westernville Car Insurance Rates by Company

Cheap Car Insurance Companies in Westernville, NY

Way's key takeaways about car insurance in Westernville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Westernville

Cheapest Liability Coverage in Westernville, NY

Cheapest Full Coverage Car Insurance in Westernville

Cheapest Full Coverage Car Insurance Quotes in Westernville, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Westernville by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Westernville, NY increasing?

Car Insurance Premiums by Age in Westernville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Westernville,NY

If you are in your twenties National Grange Mutual is the best choice for car insurance in Westernville.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Westernville

Cheapest Car Insurance Companies after an At-Fault Accident in Westernville

Westernville Car Insurance Rates by Violation

Westernville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Westernville after a DUI

Westernville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Westernville after Speeding ticket

Car Insurance Price Trends in Westernville, New York

Average Car Insurance Cost in Westernville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Westernville, NY

Car Insurance Rates by State in the USA (2025 Update)

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