Cheapest Car Insurance Quotes in Brecksville

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Brecksville Car Insurance

^$ 21

/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 Brecksville

The car insurance rate in Brecksville is $668 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $238, making it a popular choice for budget-conscious drivers. Rates in Brecksville 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 Brecksville

$668

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Brecksville

1st place: American Family

At $238 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 $380 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $594 for six months, making it the third cheapest auto insurance company in Brecksville.

Brecksville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Brecksville, OH is American Family, offering policies at just $238 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $380.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $760 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Brecksville drivers find the best deals.

Cheap Car Insurance Companies in Brecksville, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$238	$40
Auto-Owners Insurance Co	$380	$63
Travelers	$594	$101
Erie	$600	$101
State Farm	$606	$103
USAA	$606	$102
Hastings Mutual	$618	$105
Nationwide	$624	$105
Central Mutual	$719	$122
Progressive	$725	$122
Farmers	$879	$149
Grange	$939	$156
Allstate	$1075	$181
Westfield	$760	$129

Key Takeaways

Way's key takeaways about car insurance in Brecksville

The auto insurance costs in Brecksville fall around $238 for six months.
The cheapest auto insurance company in Brecksville is American Family.
Teen drivers pay the highest rate in Brecksville at $707 per month.

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Cheapest Minimum Liability Car Insurance in Brecksville

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 Brecksville are given below.

American Family provides the cheapest minimum car insurance coverage in Brecksville. Their Average 6 Month Premium is $125. Allstate is the most expensive at $451 for the same period.

Cheapest Liability Coverage in Brecksville, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$125	$21
Central Mutual	$137	$23
Auto-Owners Insurance Co	$149	$25
Westfield	$154	$26
USAA	$160	$27
Erie	$178	$30
State Farm	$196	$33
Progressive	$214	$36
Nationwide	$238	$40
Travelers	$249	$42
Auto-Owners	$261	$44
Farmers	$333	$57
Grange	$362	$60
Allstate	$451	$76

Cheapest Full Coverage Car Insurance in Brecksville

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 Brecksville is American Family at $40 per month and $238 for six months.

Cheapest Full Coverage Car Insurance Quotes in Brecksville, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$238	$40
Auto-Owners Insurance Co	$380	$63
Travelers	$594	$101
Erie	$600	$101
State Farm	$606	$103
USAA	$606	$102
Hastings Mutual	$618	$105
Nationwide	$624	$105
Central Mutual	$719	$122
Progressive	$725	$122
Farmers	$879	$149
Grange	$939	$156
Allstate	$1075	$181
Westfield	$760	$129

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Average Car Insurance in Brecksville 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 Brecksville, OH increasing?

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

Car Insurance Premiums by Age in Brecksville

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	$539
30s	USAA	$381
40s	USAA	$346
50s	USAA	$320
60s	USAA	$336
70s	USAA	$407

Cheapest Car Insurance Rates for Teen Drivers in Brecksville,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Brecksville at $22 per month. At $4158 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$131	$22
Westfield	$160	$27
USAA	$826	$139
Erie	$879	$148
Travelers	$1075	$181
Nationwide	$1675	$282
Progressive	$1681	$283
Allstate	$2287	$385
State Farm	$2465	$419
Grange	$2721	$453
Farmers	$4158	$707

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 Brecksville.

As young drivers face the highest rates in Brecksville, USAA offers the cheapest auto insurance rates at $539 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 Brecksville, American Family is the cheapest car insurance provider. At $202 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 Brecksville is Allstate, offering rates of around $1717 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$202	$34
Westfield	$255	$43
Nationwide	$677	$114
Erie	$701	$118
Progressive	$701	$118
USAA	$760	$127
Grange	$778	$131
Allstate	$1717	$286

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

Car Insurance Rates with An Accident in Brecksville

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

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

The cheapest car insurance companies after an at-fault accident in Brecksville include Central Mutual and American Family, offering $137 and $154, respectively. Frankenmuth is an expensive provider with an average six-month premium of $244.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$137	$23
American Family	$154	$26
Auto-Owners Insurance Co	$238	$40
Westfield	$238	$40
Erie	$327	$55
Nationwide	$683	$115
Travelers	$915	$154
Grange	$1146	$195
USAA	$1206	$203
Auto-Owners	$1360	$229
Progressive	$1925	$324
Allstate	$2269	$382
State Farm	$4562	$760
Frankenmuth	$244	$41

Brecksville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Brecksville OH. For example, the car insurance in Brecksville after a DUI increases to $695 for a six month policy. While the rate increases by $154 for a six-month policy in the case of a speeding ticket.

Brecksville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$731	$122
One Med/PIP claim	$748	$127
Not-at-fault accident	$760	$127
One comp claim	$778	$132
Two Med/PIP claims	$778	$130
Two comp claims	$814	$138
Failure to show documents	$820	$137
Driving without lights	$838	$142
Failure to wear a seat belt	$838	$140
Child safety restraint	$855	$145
Driving with expired registration	$855	$143
Driving too slowly	$885	$150
Speeding 11 - 15 MPH over limit	$885	$148
Speeding 6 - 10 MPH over limit	$885	$150
Speeding in school zone	$885	$148
Cell phone violation	$891	$152
Failure to yield	$891	$149
Following too closely	$891	$152
Illegal turn	$891	$149
Texting while driving	$891	$152
Wrong way/wrong lane	$891	$149
Failure to stop at a red light	$897	$153
Improper passing	$903	$150
Speeding 16 - 20 MPH over limit	$903	$154
At-fault accident - less than $1000	$933	$155
Passing school bus	$939	$160
Speeding 21 - 25 MPH over limit	$962	$160
In 65 MPH zone	$974	$166
At-fault accident - $1000-$2000	$1075	$179
At-fault accident - greater than $2000	$1081	$184
Open container	$1081	$180
Operating a vehicle without permission	$1087	$185
Reckless driving	$1378	$230
Racing	$1402	$238
Refusal to submit to a chemical test	$1402	$234
Driving with a suspended license	$1414	$240
DUI	$1426	$238
Leaving scene of an accident/hit and run	$1467	$249

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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 Brecksville 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 Brecksville.

The cheapest car insurance premiums in Brecksville are offered by American Family at $154 for a six-month policy. However, it can be as expensive as $1503 with companies like Grange.

Brecksville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$154	$26
Erie	$463	$78
Travelers	$493	$83
Progressive	$576	$97
USAA	$600	$101
Nationwide	$873	$147
State Farm	$956	$163
Farmers	$1188	$198
Allstate	$1455	$245
Grange	$1503	$250

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 Brecksville are offered by American Family at $154. However, it can be as expensive as $1348 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Brecksville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$154	$26
Auto-Owners Insurance Co	$154	$26
Westfield	$166	$28
Erie	$345	$58
USAA	$546	$91
Nationwide	$570	$96
Progressive	$600	$101
Allstate	$1307	$222
Grange	$1348	$225

Car Insurance Price Trends in Brecksville, Ohio

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

The average cost of full coverage in the Brecksville rose by $119 in December compared to $116 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 Brecksville rose to $36 in December, compared to $35 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 Brecksville?

The car insurance in Brecksville is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Brecksville?

The cheapest car insurance in Brecksville is $40 per month for full coverage.

How much is car insurance in Brecksville for teenagers?

Car insurance for teenagers costs $131 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 Brecksville?

The average cost of car insurance is $668 for a six-month policy. It will cost around $112 per month to insure your car in Brecksville.

Is car insurance expensive in Brecksville?

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

Cheapest Car Insurance Quotes in Brecksville

Why you can trust Way?

How Much Is Car Insurance in Brecksville

Avg. Car Insurance in Brecksville

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Brecksville

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Brecksville Car Insurance Rates by Company

Cheap Car Insurance Companies in Brecksville, OH

Way's key takeaways about car insurance in Brecksville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Brecksville

Cheapest Liability Coverage in Brecksville, OH

Cheapest Full Coverage Car Insurance in Brecksville

Cheapest Full Coverage Car Insurance Quotes in Brecksville, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Brecksville by Rating Factor

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

Car Insurance Premiums by Age in Brecksville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Brecksville,OH

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

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 Brecksville

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

Brecksville Car Insurance Rates by Violation

Brecksville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Brecksville after a DUI

Brecksville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Brecksville after Speeding ticket

Car Insurance Price Trends in Brecksville, Ohio

Average Car Insurance Cost in Brecksville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Brecksville, OH

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

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