Cheapest Car Insurance Quotes in Ballville

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Ballville Car Insurance

^$ 18

/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 Ballville

The car insurance rate in Ballville is $568 for a six-month policy, which is $100 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $202, making it a popular choice for budget-conscious drivers. Rates in Ballville 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 Ballville

$568

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Ballville

1st place: American Family

At $202 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $323 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $505 for six months, making it the third cheapest auto insurance company in Ballville.

Ballville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ballville, OH is American Family, offering policies at just $202 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $323.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $646 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ballville drivers find the best deals.

Cheap Car Insurance Companies in Ballville, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$202	$34
Auto-Owners Insurance Co	$323	$54
Travelers	$505	$86
Erie	$510	$86
State Farm	$515	$88
USAA	$515	$87
Hastings Mutual	$525	$89
Nationwide	$530	$89
Central Mutual	$611	$104
Progressive	$616	$104
Farmers	$747	$127
Grange	$798	$133
Allstate	$914	$154
Westfield	$646	$110

Key Takeaways

Way's key takeaways about car insurance in Ballville

The auto insurance costs in Ballville fall around $202 for six months.
The cheapest auto insurance company in Ballville is American Family.
Teen drivers pay the highest rate in Ballville at $601 per month.

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Cheapest Minimum Liability Car Insurance in Ballville

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 Ballville are given below.

American Family provides the cheapest minimum car insurance coverage in Ballville. Their Average 6 Month Premium is $106. Allstate is the most expensive at $383 for the same period.

Cheapest Liability Coverage in Ballville, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$106	$18
Central Mutual	$116	$20
Auto-Owners Insurance Co	$127	$21
Westfield	$131	$22
USAA	$136	$23
Erie	$151	$26
State Farm	$167	$28
Progressive	$182	$31
Nationwide	$202	$34
Travelers	$212	$36
Auto-Owners	$222	$37
Farmers	$283	$48
Grange	$308	$51
Allstate	$383	$65

Cheapest Full Coverage Car Insurance in Ballville

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 Ballville is American Family at $34 per month and $202 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ballville, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$202	$34
Auto-Owners Insurance Co	$323	$54
Travelers	$505	$86
Erie	$510	$86
State Farm	$515	$88
USAA	$515	$87
Hastings Mutual	$525	$89
Nationwide	$530	$89
Central Mutual	$611	$104
Progressive	$616	$104
Farmers	$747	$127
Grange	$798	$133
Allstate	$914	$154
Westfield	$646	$110

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Average Car Insurance in Ballville 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 Ballville, OH increasing?

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

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

Car Insurance Premiums by Age in Ballville

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	USAA	$458
30s	USAA	$324
40s	USAA	$294
50s	USAA	$272
60s	USAA	$286
70s	USAA	$346

Cheapest Car Insurance Rates for Teen Drivers in Ballville,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Ballville at $19 per month. At $3534 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$111	$19
Westfield	$136	$23
USAA	$702	$118
Erie	$747	$126
Travelers	$914	$154
Nationwide	$1424	$240
Progressive	$1429	$241
Allstate	$1944	$327
State Farm	$2095	$356
Grange	$2313	$385
Farmers	$3534	$601

Teen Car Insurance Rates in OH by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Ballville.

As young drivers face the highest rates in Ballville, USAA offers the cheapest auto insurance rates at $458 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 Ballville, American Family is the cheapest car insurance provider. At $172 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 Ballville is Allstate, offering rates of around $1459 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$172	$29
Westfield	$217	$37
Nationwide	$575	$97
Erie	$596	$100
Progressive	$596	$100
USAA	$646	$108
Grange	$661	$111
Allstate	$1459	$243

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Car Insurance Rates with An Accident in Ballville

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 Ballville, OH, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Ballville include Central Mutual and American Family, offering $116 and $131, respectively. Frankenmuth is an expensive provider with an average six-month premium of $207.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$116	$20
American Family	$131	$22
Auto-Owners Insurance Co	$202	$34
Westfield	$202	$34
Erie	$278	$47
Nationwide	$581	$98
Travelers	$778	$131
Grange	$974	$166
USAA	$1025	$173
Auto-Owners	$1156	$195
Progressive	$1636	$275
Allstate	$1929	$325
State Farm	$3878	$646
Frankenmuth	$207	$35

Ballville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ballville OH. For example, the car insurance in Ballville after a DUI increases to $591 for a six month policy. While the rate increases by $131 for a six-month policy in the case of a speeding ticket.

Ballville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$621	$104
One Med/PIP claim	$636	$108
Not-at-fault accident	$646	$108
One comp claim	$661	$112
Two Med/PIP claims	$661	$111
Two comp claims	$692	$117
Failure to show documents	$697	$116
Driving without lights	$712	$121
Failure to wear a seat belt	$712	$119
Child safety restraint	$727	$123
Driving with expired registration	$727	$122
Driving too slowly	$752	$128
Speeding 11 - 15 MPH over limit	$752	$126
Speeding 6 - 10 MPH over limit	$752	$128
Speeding in school zone	$752	$126
Cell phone violation	$757	$129
Failure to yield	$757	$127
Following too closely	$757	$129
Illegal turn	$757	$127
Texting while driving	$757	$129
Wrong way/wrong lane	$757	$127
Failure to stop at a red light	$762	$130
Improper passing	$768	$128
Speeding 16 - 20 MPH over limit	$768	$131
At-fault accident - less than $1000	$793	$132
Passing school bus	$798	$136
Speeding 21 - 25 MPH over limit	$818	$136
In 65 MPH zone	$828	$141
At-fault accident - $1000-$2000	$914	$152
At-fault accident - greater than $2000	$919	$156
Open container	$919	$153
Operating a vehicle without permission	$924	$157
Reckless driving	$1171	$196
Racing	$1192	$202
Refusal to submit to a chemical test	$1192	$199
Driving with a suspended license	$1202	$204
DUI	$1212	$202
Leaving scene of an accident/hit and run	$1247	$212

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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 Ballville 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 Ballville.

The cheapest car insurance premiums in Ballville are offered by American Family at $131 for a six-month policy. However, it can be as expensive as $1278 with companies like Grange.

Ballville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$131	$22
Erie	$394	$66
Travelers	$419	$71
Progressive	$490	$82
USAA	$510	$86
Nationwide	$742	$125
State Farm	$813	$139
Farmers	$1010	$168
Allstate	$1237	$208
Grange	$1278	$213

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 Ballville are offered by American Family at $131. However, it can be as expensive as $1146 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Ballville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$131	$22
Auto-Owners Insurance Co	$131	$22
Westfield	$141	$24
Erie	$293	$49
USAA	$464	$77
Nationwide	$485	$82
Progressive	$510	$86
Allstate	$1111	$189
Grange	$1146	$191

Car Insurance Price Trends in Ballville, Ohio

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

The average cost of full coverage in the Ballville rose by $101 in December compared to $99 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Ballville rose to $31 in December, compared to $30 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Ballville?

The car insurance in Ballville is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Ballville?

The cheapest car insurance in Ballville is $34 per month for full coverage.

How much is car insurance in Ballville for teenagers?

Car insurance for teenagers costs $111 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 Ballville?

The average cost of car insurance is $668 for a six-month policy. It will cost around $95 per month to insure your car in Ballville.

Is car insurance expensive in Ballville?

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

Cheapest Car Insurance Quotes in Ballville

Why you can trust Way?

How Much Is Car Insurance in Ballville

Avg. Car Insurance in Ballville

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Ballville

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Ballville Car Insurance Rates by Company

Cheap Car Insurance Companies in Ballville, OH

Way's key takeaways about car insurance in Ballville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ballville

Cheapest Liability Coverage in Ballville, OH

Cheapest Full Coverage Car Insurance in Ballville

Cheapest Full Coverage Car Insurance Quotes in Ballville, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ballville by Rating Factor

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

Car Insurance Premiums by Age in Ballville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ballville,OH

If you are in your twenties USAA is the best choice for car insurance in Ballville.

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 Ballville

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

Ballville Car Insurance Rates by Violation

Ballville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ballville after a DUI

Ballville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ballville after Speeding ticket

Car Insurance Price Trends in Ballville, Ohio

Average Car Insurance Cost in Ballville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ballville, OH

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

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