Cheapest Car Insurance Quotes in Bratenahl

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Bratenahl Car Insurance

^$ 26

/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 Bratenahl

The car insurance rate in Bratenahl is $822 for a six-month policy, which is $154 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $293, making it a popular choice for budget-conscious drivers. Rates in Bratenahl 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 Bratenahl

$822

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Bratenahl

1st place: American Family

At $293 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 $467 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $731 for six months, making it the third cheapest auto insurance company in Bratenahl.

Bratenahl Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bratenahl, OH is American Family, offering policies at just $293 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $467.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $935 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bratenahl drivers find the best deals.

Cheap Car Insurance Companies in Bratenahl, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$293	$49
Auto-Owners Insurance Co	$467	$77
Travelers	$731	$124
Erie	$738	$124
State Farm	$745	$127
USAA	$745	$125
Hastings Mutual	$760	$129
Nationwide	$768	$129
Central Mutual	$884	$150
Progressive	$892	$150
Farmers	$1081	$183
Grange	$1155	$192
Allstate	$1322	$223
Westfield	$935	$159

Key Takeaways

Way's key takeaways about car insurance in Bratenahl

The auto insurance costs in Bratenahl fall around $293 for six months.
The cheapest auto insurance company in Bratenahl is American Family.
Teen drivers pay the highest rate in Bratenahl at $870 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Bratenahl

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 Bratenahl are given below.

American Family provides the cheapest minimum car insurance coverage in Bratenahl. Their Average 6 Month Premium is $154. Allstate is the most expensive at $555 for the same period.

Cheapest Liability Coverage in Bratenahl, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$154	$26
Central Mutual	$169	$28
Auto-Owners Insurance Co	$183	$31
Westfield	$189	$32
USAA	$197	$33
Erie	$219	$37
State Farm	$241	$41
Progressive	$263	$44
Nationwide	$293	$49
Travelers	$306	$52
Auto-Owners	$321	$54
Farmers	$410	$70
Grange	$445	$74
Allstate	$555	$93

Cheapest Full Coverage Car Insurance in Bratenahl

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 Bratenahl is American Family at $49 per month and $293 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bratenahl, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$293	$49
Auto-Owners Insurance Co	$467	$77
Travelers	$731	$124
Erie	$738	$124
State Farm	$745	$127
USAA	$745	$125
Hastings Mutual	$760	$129
Nationwide	$768	$129
Central Mutual	$884	$150
Progressive	$892	$150
Farmers	$1081	$183
Grange	$1155	$192
Allstate	$1322	$223
Westfield	$935	$159

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Average Car Insurance in Bratenahl 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 Bratenahl, OH increasing?

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

Car Insurance Premiums by Age in Bratenahl

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	$663
30s	USAA	$469
40s	USAA	$426
50s	USAA	$394
60s	USAA	$413
70s	USAA	$501

Cheapest Car Insurance Rates for Teen Drivers in Bratenahl,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Bratenahl at $27 per month. At $5114 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$161	$27
Westfield	$197	$33
USAA	$1016	$171
Erie	$1081	$182
Travelers	$1322	$223
Nationwide	$2060	$347
Progressive	$2068	$348
Allstate	$2813	$474
State Farm	$3032	$515
Grange	$3347	$557
Farmers	$5114	$870

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 Bratenahl.

As young drivers face the highest rates in Bratenahl, USAA offers the cheapest auto insurance rates at $663 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 Bratenahl, American Family is the cheapest car insurance provider. At $248 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 Bratenahl is Allstate, offering rates of around $2112 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$248	$42
Westfield	$314	$53
Nationwide	$833	$140
Erie	$862	$145
Progressive	$862	$145
USAA	$935	$156
Grange	$957	$161
Allstate	$2112	$352

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Save up to $971/yr on car insurance rates in Bratenahl.

Car Insurance Rates with An Accident in Bratenahl

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

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

The cheapest car insurance companies after an at-fault accident in Bratenahl include Central Mutual and American Family, offering $169 and $189, respectively. Frankenmuth is an expensive provider with an average six-month premium of $300.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$169	$28
American Family	$189	$32
Auto-Owners Insurance Co	$293	$49
Westfield	$293	$49
Erie	$402	$68
Nationwide	$840	$141
Travelers	$1125	$189
Grange	$1410	$240
USAA	$1483	$250
Auto-Owners	$1673	$282
Progressive	$2368	$399
Allstate	$2791	$470
State Farm	$5611	$935
Frankenmuth	$300	$50

Bratenahl Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bratenahl OH. For example, the car insurance in Bratenahl after a DUI increases to $855 for a six month policy. While the rate increases by $190 for a six-month policy in the case of a speeding ticket.

Bratenahl auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$899	$150
One Med/PIP claim	$920	$156
Not-at-fault accident	$935	$156
One comp claim	$957	$162
Two Med/PIP claims	$957	$160
Two comp claims	$1001	$170
Failure to show documents	$1009	$169
Driving without lights	$1031	$175
Failure to wear a seat belt	$1031	$172
Child safety restraint	$1052	$178
Driving with expired registration	$1052	$176
Driving too slowly	$1089	$185
Speeding 11 - 15 MPH over limit	$1089	$182
Speeding 6 - 10 MPH over limit	$1089	$185
Speeding in school zone	$1089	$182
Cell phone violation	$1096	$187
Failure to yield	$1096	$183
Following too closely	$1096	$187
Illegal turn	$1096	$183
Texting while driving	$1096	$187
Wrong way/wrong lane	$1096	$183
Failure to stop at a red light	$1103	$188
Improper passing	$1111	$185
Speeding 16 - 20 MPH over limit	$1111	$189
At-fault accident - less than $1000	$1148	$191
Passing school bus	$1155	$197
Speeding 21 - 25 MPH over limit	$1183	$197
In 65 MPH zone	$1198	$204
At-fault accident - $1000-$2000	$1322	$220
At-fault accident - greater than $2000	$1330	$226
Open container	$1330	$221
Operating a vehicle without permission	$1337	$228
Reckless driving	$1695	$283
Racing	$1724	$293
Refusal to submit to a chemical test	$1724	$288
Driving with a suspended license	$1739	$295
DUI	$1754	$293
Leaving scene of an accident/hit and run	$1804	$306

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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 Bratenahl 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 Bratenahl.

The cheapest car insurance premiums in Bratenahl are offered by American Family at $189 for a six-month policy. However, it can be as expensive as $1849 with companies like Grange.

Bratenahl car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$189	$32
Erie	$569	$96
Travelers	$606	$102
Progressive	$708	$119
USAA	$738	$124
Nationwide	$1074	$181
State Farm	$1176	$200
Farmers	$1461	$244
Allstate	$1790	$301
Grange	$1849	$308

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 Bratenahl are offered by American Family at $189. However, it can be as expensive as $1658 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Bratenahl after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$189	$32
Auto-Owners Insurance Co	$189	$32
Westfield	$204	$34
Erie	$424	$71
USAA	$672	$112
Nationwide	$701	$118
Progressive	$738	$124
Allstate	$1608	$273
Grange	$1658	$277

Car Insurance Price Trends in Bratenahl, Ohio

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

The average cost of full coverage in the Bratenahl rose by $146 in December compared to $143 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 Bratenahl rose to $44 in December, compared to $43 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 Bratenahl?

The car insurance in Bratenahl is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Bratenahl?

The cheapest car insurance in Bratenahl is $49 per month for full coverage.

How much is car insurance in Bratenahl for teenagers?

Car insurance for teenagers costs $161 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 Bratenahl?

The average cost of car insurance is $668 for a six-month policy. It will cost around $138 per month to insure your car in Bratenahl.

Is car insurance expensive in Bratenahl?

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

Cheapest Car Insurance Quotes in Bratenahl

Why you can trust Way?

How Much Is Car Insurance in Bratenahl

Avg. Car Insurance in Bratenahl

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Bratenahl

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Bratenahl Car Insurance Rates by Company

Cheap Car Insurance Companies in Bratenahl, OH

Way's key takeaways about car insurance in Bratenahl

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bratenahl

Cheapest Liability Coverage in Bratenahl, OH

Cheapest Full Coverage Car Insurance in Bratenahl

Cheapest Full Coverage Car Insurance Quotes in Bratenahl, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bratenahl by Rating Factor

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

Car Insurance Premiums by Age in Bratenahl

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bratenahl,OH

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

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 Bratenahl

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

Bratenahl Car Insurance Rates by Violation

Bratenahl auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bratenahl after a DUI

Bratenahl car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bratenahl after Speeding ticket

Car Insurance Price Trends in Bratenahl, Ohio

Average Car Insurance Cost in Bratenahl by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bratenahl, OH

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

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