Cheapest Car Insurance Quotes in Cuyahoga Heights

Finding the cheapest car insurance quotes in Cuyahoga Heights 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.
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Cuyahoga Heights Car Insurance

^$ 23

/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 Cuyahoga Heights

The car insurance rate in Cuyahoga Heights is $735 for a six-month policy, which is $67 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $262, making it a popular choice for budget-conscious drivers. Rates in Cuyahoga Heights 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 Cuyahoga Heights

$735

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Cuyahoga Heights

1st place: American Family

At $262 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 $418 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $653 for six months, making it the third cheapest auto insurance company in Cuyahoga Heights.

Cuyahoga Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cuyahoga Heights, OH is American Family, offering policies at just $262 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $418.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $836 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cuyahoga Heights drivers find the best deals.

Cheap Car Insurance Companies in Cuyahoga Heights, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$262	$44
Auto-Owners Insurance Co	$418	$69
Travelers	$653	$111
Erie	$660	$111
State Farm	$667	$113
USAA	$667	$112
Hastings Mutual	$680	$116
Nationwide	$686	$116
Central Mutual	$791	$134
Progressive	$798	$134
Farmers	$967	$164
Grange	$1033	$172
Allstate	$1183	$199
Westfield	$836	$142

Key Takeaways

Way's key takeaways about car insurance in Cuyahoga Heights

The auto insurance costs in Cuyahoga Heights fall around $262 for six months.
The cheapest auto insurance company in Cuyahoga Heights is American Family.
Teen drivers pay the highest rate in Cuyahoga Heights at $778 per month.

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

Cheapest Minimum Liability Car Insurance in Cuyahoga Heights

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 Cuyahoga Heights are given below.

American Family provides the cheapest minimum car insurance coverage in Cuyahoga Heights. Their Average 6 Month Premium is $138. Allstate is the most expensive at $496 for the same period.

Cheapest Liability Coverage in Cuyahoga Heights, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$138	$23
Central Mutual	$151	$25
Auto-Owners Insurance Co	$164	$28
Westfield	$169	$29
USAA	$176	$30
Erie	$196	$33
State Farm	$216	$36
Progressive	$235	$40
Nationwide	$262	$44
Travelers	$274	$46
Auto-Owners	$287	$48
Farmers	$366	$63
Grange	$398	$66
Allstate	$496	$84

Cheapest Full Coverage Car Insurance in Cuyahoga Heights

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 Cuyahoga Heights is American Family at $44 per month and $262 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cuyahoga Heights, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$262	$44
Auto-Owners Insurance Co	$418	$69
Travelers	$653	$111
Erie	$660	$111
State Farm	$667	$113
USAA	$667	$112
Hastings Mutual	$680	$116
Nationwide	$686	$116
Central Mutual	$791	$134
Progressive	$798	$134
Farmers	$967	$164
Grange	$1033	$172
Allstate	$1183	$199
Westfield	$836	$142

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Average Car Insurance in Cuyahoga Heights 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 Cuyahoga Heights, OH increasing?

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

Car Insurance Premiums by Age in Cuyahoga Heights

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	$593
30s	USAA	$419
40s	USAA	$381
50s	USAA	$352
60s	USAA	$370
70s	USAA	$448

Cheapest Car Insurance Rates for Teen Drivers in Cuyahoga Heights,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Cuyahoga Heights at $24 per month. At $4574 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$144	$24
Westfield	$176	$30
USAA	$909	$153
Erie	$967	$163
Travelers	$1183	$199
Nationwide	$1843	$310
Progressive	$1849	$311
Allstate	$2516	$424
State Farm	$2712	$461
Grange	$2993	$498
Farmers	$4574	$778

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 Cuyahoga Heights.

As young drivers face the highest rates in Cuyahoga Heights, USAA offers the cheapest auto insurance rates at $593 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 Cuyahoga Heights, American Family is the cheapest car insurance provider. At $222 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 Cuyahoga Heights is Allstate, offering rates of around $1889 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$222	$37
Westfield	$281	$47
Nationwide	$745	$125
Erie	$771	$130
Progressive	$771	$130
USAA	$836	$140
Grange	$856	$144
Allstate	$1889	$315

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Cuyahoga Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in Cuyahoga Heights

The cheapest car insurance companies after an at-fault accident in Cuyahoga Heights include Central Mutual and American Family, offering $151 and $169, respectively. Frankenmuth is an expensive provider with an average six-month premium of $268.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$151	$25
American Family	$169	$29
Auto-Owners Insurance Co	$262	$44
Westfield	$262	$44
Erie	$360	$61
Nationwide	$751	$127
Travelers	$1007	$169
Grange	$1261	$215
USAA	$1327	$223
Auto-Owners	$1496	$252
Progressive	$2118	$356
Allstate	$2496	$420
State Farm	$5018	$836
Frankenmuth	$268	$45

Cuyahoga Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cuyahoga Heights OH. For example, the car insurance in Cuyahoga Heights after a DUI increases to $765 for a six month policy. While the rate increases by $170 for a six-month policy in the case of a speeding ticket.

Cuyahoga Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$804	$134
One Med/PIP claim	$823	$140
Not-at-fault accident	$836	$140
One comp claim	$856	$145
Two Med/PIP claims	$856	$143
Two comp claims	$895	$152
Failure to show documents	$902	$151
Driving without lights	$922	$156
Failure to wear a seat belt	$922	$154
Child safety restraint	$941	$160
Driving with expired registration	$941	$157
Driving too slowly	$974	$165
Speeding 11 - 15 MPH over limit	$974	$163
Speeding 6 - 10 MPH over limit	$974	$165
Speeding in school zone	$974	$163
Cell phone violation	$980	$167
Failure to yield	$980	$164
Following too closely	$980	$167
Illegal turn	$980	$164
Texting while driving	$980	$167
Wrong way/wrong lane	$980	$164
Failure to stop at a red light	$987	$168
Improper passing	$993	$165
Speeding 16 - 20 MPH over limit	$993	$169
At-fault accident - less than $1000	$1026	$171
Passing school bus	$1033	$176
Speeding 21 - 25 MPH over limit	$1058	$176
In 65 MPH zone	$1071	$183
At-fault accident - $1000-$2000	$1183	$197
At-fault accident - greater than $2000	$1189	$202
Open container	$1189	$198
Operating a vehicle without permission	$1196	$204
Reckless driving	$1516	$253
Racing	$1542	$262
Refusal to submit to a chemical test	$1542	$257
Driving with a suspended license	$1555	$264
DUI	$1569	$262
Leaving scene of an accident/hit and run	$1614	$274

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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 Cuyahoga Heights 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 Cuyahoga Heights.

The cheapest car insurance premiums in Cuyahoga Heights are offered by American Family at $169 for a six-month policy. However, it can be as expensive as $1653 with companies like Grange.

Cuyahoga Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$169	$29
Erie	$509	$86
Travelers	$542	$91
Progressive	$634	$107
USAA	$660	$111
Nationwide	$960	$162
State Farm	$1052	$179
Farmers	$1307	$218
Allstate	$1601	$270
Grange	$1653	$275

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 Cuyahoga Heights are offered by American Family at $169. However, it can be as expensive as $1483 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Cuyahoga Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$169	$29
Auto-Owners Insurance Co	$169	$29
Westfield	$183	$31
Erie	$380	$64
USAA	$601	$100
Nationwide	$627	$106
Progressive	$660	$111
Allstate	$1438	$244
Grange	$1483	$248

Car Insurance Price Trends in Cuyahoga Heights, Ohio

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

The average cost of full coverage in the Cuyahoga Heights rose by $131 in December compared to $128 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 Cuyahoga Heights rose to $40 in December, compared to $39 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 Cuyahoga Heights?

The car insurance in Cuyahoga Heights is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Cuyahoga Heights?

The cheapest car insurance in Cuyahoga Heights is $44 per month for full coverage.

How much is car insurance in Cuyahoga Heights for teenagers?

Car insurance for teenagers costs $144 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 Cuyahoga Heights?

The average cost of car insurance is $668 for a six-month policy. It will cost around $123 per month to insure your car in Cuyahoga Heights.

Is car insurance expensive in Cuyahoga Heights?

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

Cheapest Car Insurance Quotes in Cuyahoga Heights

Why you can trust Way?

How Much Is Car Insurance in Cuyahoga Heights

Avg. Car Insurance in Cuyahoga Heights

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Cuyahoga Heights

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Cuyahoga Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Cuyahoga Heights, OH

Way's key takeaways about car insurance in Cuyahoga Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cuyahoga Heights

Cheapest Liability Coverage in Cuyahoga Heights, OH

Cheapest Full Coverage Car Insurance in Cuyahoga Heights

Cheapest Full Coverage Car Insurance Quotes in Cuyahoga Heights, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cuyahoga Heights by Rating Factor

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

Car Insurance Premiums by Age in Cuyahoga Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cuyahoga Heights,OH

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

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 Cuyahoga Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Cuyahoga Heights

Cuyahoga Heights Car Insurance Rates by Violation

Cuyahoga Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cuyahoga Heights after a DUI

Cuyahoga Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cuyahoga Heights after Speeding ticket

Car Insurance Price Trends in Cuyahoga Heights, Ohio

Average Car Insurance Cost in Cuyahoga Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cuyahoga Heights, OH

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

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