Cheapest Car Insurance Quotes in Cedarville

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Cedarville 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 Cedarville

The car insurance rate in Cedarville is $661 for a six-month policy, which is $7 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $236, making it a popular choice for budget-conscious drivers. Rates in Cedarville 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 Cedarville

$661

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Cedarville

1st place: American Family

At $236 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 $376 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $588 for six months, making it the third cheapest auto insurance company in Cedarville.

Cedarville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cedarville, OH is American Family, offering policies at just $236 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $376.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $752 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cedarville drivers find the best deals.

Cheap Car Insurance Companies in Cedarville, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$236	$40
Auto-Owners Insurance Co	$376	$62
Travelers	$588	$100
Erie	$594	$100
State Farm	$600	$102
USAA	$600	$101
Hastings Mutual	$612	$104
Nationwide	$618	$104
Central Mutual	$712	$121
Progressive	$718	$121
Farmers	$870	$148
Grange	$930	$154
Allstate	$1064	$179
Westfield	$752	$128

Key Takeaways

Way's key takeaways about car insurance in Cedarville

The auto insurance costs in Cedarville fall around $236 for six months.
The cheapest auto insurance company in Cedarville is American Family.
Teen drivers pay the highest rate in Cedarville at $700 per month.

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Cheapest Minimum Liability Car Insurance in Cedarville

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 Cedarville are given below.

American Family provides the cheapest minimum car insurance coverage in Cedarville. Their Average 6 Month Premium is $124. Allstate is the most expensive at $446 for the same period.

Cheapest Liability Coverage in Cedarville, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$124	$21
Central Mutual	$136	$23
Auto-Owners Insurance Co	$148	$25
Westfield	$152	$26
USAA	$158	$27
Erie	$176	$30
State Farm	$194	$33
Progressive	$212	$36
Nationwide	$236	$40
Travelers	$247	$42
Auto-Owners	$258	$44
Farmers	$330	$56
Grange	$358	$59
Allstate	$446	$75

Cheapest Full Coverage Car Insurance in Cedarville

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 Cedarville is American Family at $40 per month and $236 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cedarville, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$236	$40
Auto-Owners Insurance Co	$376	$62
Travelers	$588	$100
Erie	$594	$100
State Farm	$600	$102
USAA	$600	$101
Hastings Mutual	$612	$104
Nationwide	$618	$104
Central Mutual	$712	$121
Progressive	$718	$121
Farmers	$870	$148
Grange	$930	$154
Allstate	$1064	$179
Westfield	$752	$128

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Average Car Insurance in Cedarville 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 Cedarville, OH increasing?

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

Car Insurance Premiums by Age in Cedarville

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	$534
30s	USAA	$377
40s	USAA	$343
50s	USAA	$317
60s	USAA	$333
70s	USAA	$403

Cheapest Car Insurance Rates for Teen Drivers in Cedarville,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Cedarville at $22 per month. At $4116 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$130	$22
Westfield	$158	$27
USAA	$818	$138
Erie	$870	$147
Travelers	$1064	$179
Nationwide	$1658	$279
Progressive	$1664	$280
Allstate	$2264	$381
State Farm	$2440	$415
Grange	$2694	$448
Farmers	$4116	$700

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 Cedarville.

As young drivers face the highest rates in Cedarville, USAA offers the cheapest auto insurance rates at $534 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 Cedarville, American Family is the cheapest car insurance provider. At $200 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 Cedarville is Allstate, offering rates of around $1700 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$200	$34
Westfield	$252	$43
Nationwide	$670	$113
Erie	$694	$117
Progressive	$694	$117
USAA	$752	$126
Grange	$770	$130
Allstate	$1700	$283

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Car Insurance Rates with An Accident in Cedarville

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

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

The cheapest car insurance companies after an at-fault accident in Cedarville include Central Mutual and American Family, offering $136 and $152, respectively. Frankenmuth is an expensive provider with an average six-month premium of $242.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$136	$23
American Family	$152	$26
Auto-Owners Insurance Co	$236	$40
Westfield	$236	$40
Erie	$324	$54
Nationwide	$676	$114
Travelers	$906	$152
Grange	$1135	$193
USAA	$1194	$201
Auto-Owners	$1346	$227
Progressive	$1906	$321
Allstate	$2246	$378
State Farm	$4516	$752
Frankenmuth	$242	$41

Cedarville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cedarville OH. For example, the car insurance in Cedarville after a DUI increases to $688 for a six month policy. While the rate increases by $152 for a six-month policy in the case of a speeding ticket.

Cedarville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$724	$121
One Med/PIP claim	$741	$126
Not-at-fault accident	$752	$126
One comp claim	$770	$131
Two Med/PIP claims	$770	$129
Two comp claims	$806	$137
Failure to show documents	$812	$136
Driving without lights	$830	$141
Failure to wear a seat belt	$830	$139
Child safety restraint	$846	$144
Driving with expired registration	$846	$142
Driving too slowly	$876	$149
Speeding 11 - 15 MPH over limit	$876	$147
Speeding 6 - 10 MPH over limit	$876	$149
Speeding in school zone	$876	$147
Cell phone violation	$882	$150
Failure to yield	$882	$148
Following too closely	$882	$150
Illegal turn	$882	$148
Texting while driving	$882	$150
Wrong way/wrong lane	$882	$148
Failure to stop at a red light	$888	$151
Improper passing	$894	$149
Speeding 16 - 20 MPH over limit	$894	$152
At-fault accident - less than $1000	$924	$153
Passing school bus	$930	$158
Speeding 21 - 25 MPH over limit	$952	$158
In 65 MPH zone	$964	$164
At-fault accident - $1000-$2000	$1064	$177
At-fault accident - greater than $2000	$1070	$182
Open container	$1070	$178
Operating a vehicle without permission	$1076	$183
Reckless driving	$1364	$228
Racing	$1388	$236
Refusal to submit to a chemical test	$1388	$232
Driving with a suspended license	$1400	$238
DUI	$1412	$236
Leaving scene of an accident/hit and run	$1452	$247

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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 Cedarville 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 Cedarville.

The cheapest car insurance premiums in Cedarville are offered by American Family at $152 for a six-month policy. However, it can be as expensive as $1488 with companies like Grange.

Cedarville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$152	$26
Erie	$458	$77
Travelers	$488	$82
Progressive	$570	$96
USAA	$594	$100
Nationwide	$864	$146
State Farm	$946	$161
Farmers	$1176	$196
Allstate	$1440	$243
Grange	$1488	$248

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 Cedarville are offered by American Family at $152. However, it can be as expensive as $1335 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Cedarville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$152	$26
Auto-Owners Insurance Co	$152	$26
Westfield	$164	$28
Erie	$342	$57
USAA	$541	$90
Nationwide	$564	$95
Progressive	$594	$100
Allstate	$1294	$220
Grange	$1335	$223

Car Insurance Price Trends in Cedarville, Ohio

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

The average cost of full coverage in the Cedarville rose by $118 in December compared to $115 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 Cedarville 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 Cedarville?

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

What is the cheapest car insurance in Cedarville?

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

How much is car insurance in Cedarville for teenagers?

Car insurance for teenagers costs $130 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 Cedarville?

The average cost of car insurance is $668 for a six-month policy. It will cost around $111 per month to insure your car in Cedarville.

Is car insurance expensive in Cedarville?

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

Cheapest Car Insurance Quotes in Cedarville

Why you can trust Way?

How Much Is Car Insurance in Cedarville

Avg. Car Insurance in Cedarville

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Cedarville

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Cedarville Car Insurance Rates by Company

Cheap Car Insurance Companies in Cedarville, OH

Way's key takeaways about car insurance in Cedarville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cedarville

Cheapest Liability Coverage in Cedarville, OH

Cheapest Full Coverage Car Insurance in Cedarville

Cheapest Full Coverage Car Insurance Quotes in Cedarville, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cedarville by Rating Factor

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

Car Insurance Premiums by Age in Cedarville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cedarville,OH

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

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 Cedarville

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

Cedarville Car Insurance Rates by Violation

Cedarville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cedarville after a DUI

Cedarville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cedarville after Speeding ticket

Car Insurance Price Trends in Cedarville, Ohio

Average Car Insurance Cost in Cedarville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cedarville, OH

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

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