Cheapest Car Insurance Quotes in Cinnamon Lake

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Cinnamon Lake Car Insurance

^$ 19

/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 Cinnamon Lake

The car insurance rate in Cinnamon Lake is $676 for a six-month policy, which is $67 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $217, making it a popular choice for budget-conscious drivers. Rates in Cinnamon Lake 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 Cinnamon Lake

$676

Avg. Car Insurance in Ohio

$743

National Average

$1278

Cheapest Car Insurance Companies in Cinnamon Lake

1st place: American Family

At $217 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 $346 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $541 for six months, making it the third cheapest auto insurance company in Cinnamon Lake.

Cinnamon Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cinnamon Lake, OH is American Family, offering policies at just $217 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $346.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1037 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cinnamon Lake drivers find the best deals.

Cheap Car Insurance Companies in Cinnamon Lake, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$217	$36
Auto-Owners Insurance Co	$346	$57
Travelers	$541	$92
State Farm	$551	$92
Hastings Mutual	$562	$96
USAA	$568	$96
Erie	$589	$99
Nationwide	$622	$105
Central Mutual	$654	$111
Progressive	$681	$115
Auto-Owners	$735	$125
Farmers	$800	$134
Westfield	$941	$160
Cincinnati	$984	$164
Grange	$1000	$170
Allstate	$1037	$175

Key Takeaways

Way's key takeaways about car insurance in Cinnamon Lake

The auto insurance costs in Cinnamon Lake fall around $217 for six months.
The cheapest auto insurance company in Cinnamon Lake is American Family.
Teen drivers pay the highest rate in Cinnamon Lake at $643 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 Cinnamon Lake

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 Cinnamon Lake are given below.

American Family provides the cheapest minimum car insurance coverage in Cinnamon Lake. Their Average 6 Month Premium is $114. Allstate is the most expensive at $410 for the same period.

Cheapest Liability Coverage in Cinnamon Lake, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$114	$19
Central Mutual	$125	$21
Auto-Owners Insurance Co	$136	$23
USAA	$157	$26
Erie	$167	$28
Westfield	$167	$28
State Farm	$178	$30
Progressive	$206	$35
Auto-Owners	$227	$38
Travelers	$227	$38
Nationwide	$276	$46
Farmers	$303	$50
Grange	$357	$61
Cincinnati	$379	$63
Allstate	$410	$69

Cheapest Full Coverage Car Insurance in Cinnamon Lake

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 Cinnamon Lake is American Family at $36 per month and $217 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cinnamon Lake, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$217	$36
Auto-Owners Insurance Co	$346	$57
Travelers	$541	$92
State Farm	$551	$92
Hastings Mutual	$562	$96
USAA	$568	$96
Erie	$589	$99
Nationwide	$622	$105
Central Mutual	$654	$111
Progressive	$681	$115
Auto-Owners	$735	$125
Farmers	$800	$134
Westfield	$941	$160
Cincinnati	$984	$164
Grange	$1000	$170
Allstate	$1037	$175

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Average Car Insurance in Cinnamon Lake 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 Cinnamon Lake, OH increasing?

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

Car Insurance Premiums by Age in Cinnamon Lake

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	$517
30s	USAA	$366
40s	USAA	$331
50s	USAA	$307
60s	USAA	$322
70s	USAA	$390

Cheapest Car Insurance Rates for Teen Drivers in Cinnamon Lake,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Cinnamon Lake at $20 per month. At $3784 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$119	$20
USAA	$730	$123
Erie	$838	$141
Travelers	$978	$165
Westfield	$1092	$184
Progressive	$1573	$265
Nationwide	$2006	$338
Auto-Owners	$2140	$357
Allstate	$2189	$369
State Farm	$2243	$374
Cincinnati	$2843	$483
Grange	$2870	$479
Farmers	$3784	$643

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 Cinnamon Lake.

As young drivers face the highest rates in Cinnamon Lake, USAA offers the cheapest auto insurance rates at $517 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 Cinnamon Lake, American Family is the cheapest car insurance provider. At $184 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 Cinnamon Lake is AutoOwners, offering rates of around $2054 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$184	$31
Progressive	$676	$114
Nationwide	$778	$131
USAA	$794	$133
Grange	$805	$136
Erie	$822	$138
Westfield	$962	$162
Cincinnati	$1487	$248
Allstate	$1773	$301
Auto-Owners	$2054	$342

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Cinnamon Lake

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

Cheapest Car Insurance Companies after an At-Fault Accident in Cinnamon Lake

The cheapest car insurance companies after an at-fault accident in Cinnamon Lake include Central Mutual and American Family, offering $125 and $140, respectively. State Farm is an expensive provider with an average six-month premium of $4151.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$125	$21
American Family	$140	$24
Auto-Owners Insurance Co	$217	$36
Erie	$384	$65
Westfield	$573	$96
Nationwide	$778	$131
Travelers	$833	$140
USAA	$1125	$189
Auto-Owners	$1168	$197
Grange	$1227	$208
Progressive	$1784	$300
Cincinnati	$1833	$311
Allstate	$2184	$368
State Farm	$4151	$706

Cinnamon Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cinnamon Lake OH. For example, the car insurance in Cinnamon Lake after a DUI increases to $633 for a six month policy. While the rate increases by $140 for a six-month policy in the case of a speeding ticket.

Cinnamon Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$665	$111
One Med/PIP claim	$681	$116
Not-at-fault accident	$692	$116
One comp claim	$708	$120
Two Med/PIP claims	$708	$118
Two comp claims	$741	$126
Failure to show documents	$746	$125
Driving without lights	$763	$129
Failure to wear a seat belt	$763	$127
Child safety restraint	$778	$132
Driving with expired registration	$778	$130
Driving too slowly	$805	$137
Speeding 11 - 15 MPH over limit	$805	$135
Speeding 6 - 10 MPH over limit	$805	$137
Speeding in school zone	$805	$135
Cell phone violation	$811	$138
Failure to yield	$811	$136
Following too closely	$811	$138
Illegal turn	$811	$136
Texting while driving	$811	$138
Wrong way/wrong lane	$811	$136
Failure to stop at a red light	$816	$139
Improper passing	$822	$137
Speeding 16 - 20 MPH over limit	$822	$140
At-fault accident - less than $1000	$849	$141
Passing school bus	$854	$146
Speeding 21 - 25 MPH over limit	$875	$146
In 65 MPH zone	$886	$151
At-fault accident - $1000-$2000	$978	$163
At-fault accident - greater than $2000	$984	$167
Open container	$984	$164
Operating a vehicle without permission	$989	$168
Reckless driving	$1254	$209
Racing	$1276	$217
Refusal to submit to a chemical test	$1276	$213
Driving with a suspended license	$1287	$218
DUI	$1298	$217
Leaving scene of an accident/hit and run	$1335	$227

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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 Cinnamon Lake 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 Cinnamon Lake.

The cheapest car insurance premiums in Cinnamon Lake are offered by American Family at $140 for a six-month policy. However, it can be as expensive as $2405 with companies like Cincinnati.

Cinnamon Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$140	$24
Travelers	$449	$76
Progressive	$541	$91
Erie	$557	$94
USAA	$632	$106
State Farm	$870	$148
Nationwide	$995	$167
Farmers	$1081	$184
Auto-Owners	$1390	$231
Allstate	$1421	$239
Grange	$1605	$268
Westfield	$2087	$355
Cincinnati	$2405	$401

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 Cinnamon Lake are offered by American Family at $140. However, it can be as expensive as $1432 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Cinnamon Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$140	$24
Auto-Owners Insurance Co	$140	$24
Erie	$400	$67
Progressive	$557	$94
USAA	$573	$96
Westfield	$643	$108
Nationwide	$649	$109
Auto-Owners	$735	$125
Cincinnati	$1162	$194
Allstate	$1357	$231
Grange	$1432	$238

Car Insurance Price Trends in Cinnamon Lake, Ohio

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

The average cost of full coverage in the Cinnamon Lake rose by $136 in January compared to $108 of December. In other words, there has been an increase by $28 when you compare January and December.

The average cost of liability insurance in the Cinnamon Lake rose to $35 in January, compared to $33 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Cinnamon Lake?

The car insurance in Cinnamon Lake is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Cinnamon Lake?

The cheapest car insurance in Cinnamon Lake is $36 per month for full coverage.

How much is car insurance in Cinnamon Lake for teenagers?

Car insurance for teenagers costs $119 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 Cinnamon Lake?

The average cost of car insurance is $743 for a six-month policy. It will cost around $114 per month to insure your car in Cinnamon Lake.

Is car insurance expensive in Cinnamon Lake?

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

Cheapest Car Insurance Quotes in Cinnamon Lake

Why you can trust Way?

How Much Is Car Insurance in Cinnamon Lake

Avg. Car Insurance in Cinnamon Lake

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Cinnamon Lake

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Cinnamon Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Cinnamon Lake, OH

Way's key takeaways about car insurance in Cinnamon Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cinnamon Lake

Cheapest Liability Coverage in Cinnamon Lake, OH

Cheapest Full Coverage Car Insurance in Cinnamon Lake

Cheapest Full Coverage Car Insurance Quotes in Cinnamon Lake, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cinnamon Lake by Rating Factor

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

Car Insurance Premiums by Age in Cinnamon Lake

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cinnamon Lake,OH

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

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 Cinnamon Lake

Cheapest Car Insurance Companies after an At-Fault Accident in Cinnamon Lake

Cinnamon Lake Car Insurance Rates by Violation

Cinnamon Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cinnamon Lake after a DUI

Cinnamon Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cinnamon Lake after Speeding ticket

Car Insurance Price Trends in Cinnamon Lake, Ohio

Average Car Insurance Cost in Cinnamon Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cinnamon Lake, OH

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

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