Cheapest Car Insurance Quotes in Bluffton

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Bluffton 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 Bluffton

The car insurance rate in Bluffton is $588 for a six-month policy, which is $80 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $209, making it a popular choice for budget-conscious drivers. Rates in Bluffton 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 Bluffton

$588

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Bluffton

1st place: American Family

At $209 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 $334 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $523 for six months, making it the third cheapest auto insurance company in Bluffton.

Bluffton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bluffton, OH is American Family, offering policies at just $209 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $334.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $669 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bluffton drivers find the best deals.

Cheap Car Insurance Companies in Bluffton, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$209	$35
Auto-Owners Insurance Co	$334	$55
Travelers	$523	$89
Erie	$528	$89
State Farm	$533	$91
USAA	$533	$90
Hastings Mutual	$544	$92
Nationwide	$549	$92
Central Mutual	$633	$107
Progressive	$638	$107
Farmers	$774	$131
Grange	$826	$137
Allstate	$946	$159
Westfield	$669	$114

Key Takeaways

Way's key takeaways about car insurance in Bluffton

The auto insurance costs in Bluffton fall around $209 for six months.
The cheapest auto insurance company in Bluffton is American Family.
Teen drivers pay the highest rate in Bluffton at $622 per month.

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Cheapest Minimum Liability Car Insurance in Bluffton

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 Bluffton are given below.

American Family provides the cheapest minimum car insurance coverage in Bluffton. Their Average 6 Month Premium is $110. Allstate is the most expensive at $397 for the same period.

Cheapest Liability Coverage in Bluffton, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$110	$18
Central Mutual	$121	$20
Auto-Owners Insurance Co	$131	$22
Westfield	$136	$23
USAA	$141	$24
Erie	$157	$26
State Farm	$172	$29
Progressive	$188	$32
Nationwide	$209	$35
Travelers	$219	$37
Auto-Owners	$230	$39
Farmers	$293	$50
Grange	$319	$53
Allstate	$397	$67

Cheapest Full Coverage Car Insurance in Bluffton

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 Bluffton is American Family at $35 per month and $209 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bluffton, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$209	$35
Auto-Owners Insurance Co	$334	$55
Travelers	$523	$89
Erie	$528	$89
State Farm	$533	$91
USAA	$533	$90
Hastings Mutual	$544	$92
Nationwide	$549	$92
Central Mutual	$633	$107
Progressive	$638	$107
Farmers	$774	$131
Grange	$826	$137
Allstate	$946	$159
Westfield	$669	$114

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Average Car Insurance in Bluffton 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 Bluffton, OH increasing?

Despite maintaining a clean driving record, your car insurance rates in Bluffton, 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, Bluffton's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Bluffton

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	$474
30s	USAA	$335
40s	USAA	$304
50s	USAA	$282
60s	USAA	$296
70s	USAA	$358

Cheapest Car Insurance Rates for Teen Drivers in Bluffton,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Bluffton at $19 per month. At $3659 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$115	$19
Westfield	$141	$24
USAA	$727	$122
Erie	$774	$130
Travelers	$946	$159
Nationwide	$1474	$248
Progressive	$1479	$249
Allstate	$2013	$339
State Farm	$2169	$369
Grange	$2394	$399
Farmers	$3659	$622

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 Bluffton.

As young drivers face the highest rates in Bluffton, USAA offers the cheapest auto insurance rates at $474 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 Bluffton, American Family is the cheapest car insurance provider. At $178 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 Bluffton is Allstate, offering rates of around $1511 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$178	$30
Westfield	$224	$38
Nationwide	$596	$100
Erie	$617	$104
Progressive	$617	$104
USAA	$669	$112
Grange	$685	$115
Allstate	$1511	$252

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Car Insurance Rates with An Accident in Bluffton

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

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

The cheapest car insurance companies after an at-fault accident in Bluffton include Central Mutual and American Family, offering $121 and $136, respectively. Frankenmuth is an expensive provider with an average six-month premium of $215.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$121	$20
American Family	$136	$23
Auto-Owners Insurance Co	$209	$35
Westfield	$209	$35
Erie	$288	$48
Nationwide	$601	$101
Travelers	$805	$136
Grange	$1008	$172
USAA	$1061	$179
Auto-Owners	$1197	$202
Progressive	$1694	$285
Allstate	$1997	$336
State Farm	$4015	$669
Frankenmuth	$215	$36

Bluffton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bluffton OH. For example, the car insurance in Bluffton after a DUI increases to $612 for a six month policy. While the rate increases by $136 for a six-month policy in the case of a speeding ticket.

Bluffton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$643	$107
One Med/PIP claim	$658	$112
Not-at-fault accident	$669	$112
One comp claim	$685	$116
Two Med/PIP claims	$685	$114
Two comp claims	$716	$121
Failure to show documents	$722	$121
Driving without lights	$737	$125
Failure to wear a seat belt	$737	$123
Child safety restraint	$752	$128
Driving with expired registration	$752	$126
Driving too slowly	$779	$132
Speeding 11 - 15 MPH over limit	$779	$130
Speeding 6 - 10 MPH over limit	$779	$132
Speeding in school zone	$779	$130
Cell phone violation	$784	$134
Failure to yield	$784	$131
Following too closely	$784	$134
Illegal turn	$784	$131
Texting while driving	$784	$134
Wrong way/wrong lane	$784	$131
Failure to stop at a red light	$789	$135
Improper passing	$795	$132
Speeding 16 - 20 MPH over limit	$795	$136
At-fault accident - less than $1000	$821	$136
Passing school bus	$826	$141
Speeding 21 - 25 MPH over limit	$847	$141
In 65 MPH zone	$857	$146
At-fault accident - $1000-$2000	$946	$158
At-fault accident - greater than $2000	$951	$162
Open container	$951	$158
Operating a vehicle without permission	$957	$163
Reckless driving	$1213	$202
Racing	$1234	$209
Refusal to submit to a chemical test	$1234	$206
Driving with a suspended license	$1244	$211
DUI	$1255	$209
Leaving scene of an accident/hit and run	$1291	$219

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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 Bluffton 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 Bluffton.

The cheapest car insurance premiums in Bluffton are offered by American Family at $136 for a six-month policy. However, it can be as expensive as $1323 with companies like Grange.

Bluffton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$136	$23
Erie	$407	$69
Travelers	$434	$73
Progressive	$507	$85
USAA	$528	$89
Nationwide	$768	$129
State Farm	$841	$143
Farmers	$1045	$174
Allstate	$1280	$216
Grange	$1323	$220

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 Bluffton are offered by American Family at $136. However, it can be as expensive as $1186 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Bluffton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$136	$23
Auto-Owners Insurance Co	$136	$23
Westfield	$146	$25
Erie	$304	$51
USAA	$480	$80
Nationwide	$502	$84
Progressive	$528	$89
Allstate	$1150	$195
Grange	$1186	$198

Car Insurance Price Trends in Bluffton, Ohio

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

The average cost of full coverage in the Bluffton rose by $105 in December compared to $102 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Bluffton rose to $32 in December, compared to $31 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 Bluffton?

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

What is the cheapest car insurance in Bluffton?

The cheapest car insurance in Bluffton is $35 per month for full coverage.

How much is car insurance in Bluffton for teenagers?

Car insurance for teenagers costs $115 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 Bluffton?

The average cost of car insurance is $668 for a six-month policy. It will cost around $99 per month to insure your car in Bluffton.

Is car insurance expensive in Bluffton?

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

Cheapest Car Insurance Quotes in Bluffton

Why you can trust Way?

How Much Is Car Insurance in Bluffton

Avg. Car Insurance in Bluffton

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Bluffton

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Bluffton Car Insurance Rates by Company

Cheap Car Insurance Companies in Bluffton, OH

Way's key takeaways about car insurance in Bluffton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bluffton

Cheapest Liability Coverage in Bluffton, OH

Cheapest Full Coverage Car Insurance in Bluffton

Cheapest Full Coverage Car Insurance Quotes in Bluffton, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bluffton by Rating Factor

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

Car Insurance Premiums by Age in Bluffton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bluffton,OH

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

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 Bluffton

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

Bluffton Car Insurance Rates by Violation

Bluffton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bluffton after a DUI

Bluffton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bluffton after Speeding ticket

Car Insurance Price Trends in Bluffton, Ohio

Average Car Insurance Cost in Bluffton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bluffton, OH

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

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