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Finding the cheapest car insurance quotes in Croton shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Croton
The car insurance rate in Croton is $728 for a six-month policy, which is $60 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $259, making it a popular choice for budget-conscious drivers. Rates in Croton 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.
At $259 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 $414 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $647
for six months, making it
the third cheapest auto insurance company in Croton.
Croton Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Croton, OH is American Family, offering policies at just $259 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $414.
At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $828 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Croton drivers find the best deals.
The auto insurance costs in Croton fall around $259 for six
months.
The cheapest auto insurance company in Croton is American Family.
Teen drivers pay the highest rate in Croton at $771 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 Croton
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 Croton are given below.
American Family provides
the cheapest minimum car insurance
coverage in Croton. Their Average 6 Month Premium is $136.
Allstate is the most
expensive at $492 for the same
period.
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 Croton is American Family
at $44 per month and $259
for six months.
Cheapest Full Coverage Car Insurance Quotes in Croton,
OH
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 Croton, OH increasing?
Despite maintaining a clean driving record, your car insurance rates
in Croton, 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, Croton's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Croton
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
$588
30s
USAA
$415
40s
USAA
$377
50s
USAA
$349
60s
USAA
$366
70s
USAA
$444
Cheapest Car Insurance Rates for Teen Drivers in
Croton,OH
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the Croton at $24
per
month. At $4532 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Croton.
As young drivers face the highest rates in Croton, USAA
offers the cheapest auto insurance rates at $588 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 Croton,
American Family is
the cheapest car insurance provider. At $220 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
Croton is Allstate, offering
rates of around $1872 for six
months.
Save up to $971/yr on car insurance rates in Croton.
Car Insurance Rates with An Accident in Croton
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 Croton, OH,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Croton
The cheapest car insurance companies after an at-fault accident in
Croton include Central Mutual
and American Family, offering $149
and $168,
respectively. Frankenmuth is an expensive provider
with an average six-month premium of
$266.
Here is a list of driving violations that can increase your car
insurance rates in Croton OH. For example, the car
insurance in Croton
after a DUI increases to $757 for a six
month policy. While the rate increases by $168 for a six-month policy in the case of
a speeding ticket.
Croton auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$797
$133
One Med/PIP claim
$815
$138
Not-at-fault accident
$828
$138
One comp claim
$848
$144
Two Med/PIP claims
$848
$142
Two comp claims
$887
$150
Failure to show documents
$894
$149
Driving without lights
$913
$155
Failure to wear a seat belt
$913
$153
Child safety restraint
$932
$158
Driving with expired registration
$932
$156
Driving too slowly
$965
$164
Speeding 11 - 15 MPH over limit
$965
$161
Speeding 6 - 10 MPH over limit
$965
$164
Speeding in school zone
$965
$161
Cell phone violation
$971
$166
Failure to yield
$971
$162
Following too closely
$971
$166
Illegal turn
$971
$162
Texting while driving
$971
$166
Wrong way/wrong lane
$971
$162
Failure to stop at a red light
$978
$167
Improper passing
$984
$164
Speeding 16 - 20 MPH over limit
$984
$168
At-fault accident - less than $1000
$1017
$169
Passing school bus
$1024
$174
Speeding 21 - 25 MPH over limit
$1049
$174
In 65 MPH zone
$1062
$181
At-fault accident - $1000-$2000
$1172
$195
At-fault accident - greater than $2000
$1178
$201
Open container
$1178
$196
Operating a vehicle without permission
$1185
$202
Reckless driving
$1502
$251
Racing
$1528
$259
Refusal to submit to a chemical test
$1528
$255
Driving with a suspended license
$1541
$262
DUI
$1554
$259
Leaving scene of an accident/hit and run
$1599
$271
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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 Croton 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 Croton.
The cheapest car insurance premiums in
Croton are
offered by American Family at $168 for a six-month policy.
However, it can be as
expensive as $1638 with companies
like Grange.
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 Croton are offered by American Family
at $168. However,
it can be as expensive as $1469
with companies like Grange for a similar
six-month premium.
Cheapest Car Insurance in Croton after Speeding ticket
Car insurance rates in Croton have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Croton rose by
$130 in December
compared to $126 of November. In other words, there has been an increase by $4 when you
compare December and November.
The average cost of liability insurance in the Croton rose to $39 in December,
compared to $38 in November.
This represents an increase of $1
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Croton. At $1456 for a
six-month policy, insuring
your car at 43013 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Croton?
The car insurance in Croton is $23 per month, which is lower than the national average.
What is the cheapest car insurance in Croton?
The cheapest car insurance in Croton
is $44 per month
for full coverage.
How much is car insurance in Croton for teenagers?
Car insurance for teenagers costs $143 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
Croton?
The average cost of car insurance is $668 for a six-month
policy. It will cost around $122 per month to insure your
car in Croton.
Is car insurance expensive in Croton?
Car insurance can be expensive in Croton if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Croton can be
affordable.
What is the best car insurance in Croton,
OH?
The best car insurance company in Croton
OH is
American Family, offering $259 for a
six-month policy.
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Car Insurance Rates by State in the USA (2025 Update)
Croton Car Insurance
