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Finding the cheapest car insurance quotes in Derwent 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 Derwent
The car insurance rate in Derwent is $681 for a six-month policy, which is $13 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $243, making it a popular choice for budget-conscious drivers. Rates in Derwent 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 $243 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 $388 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $606
for six months, making it
the third cheapest auto insurance company in Derwent.
Derwent Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Derwent, OH is American Family, offering policies at just $243 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $388.
At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $775 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Derwent drivers find the best deals.
Way's key takeaways about car insurance in Derwent
The auto insurance costs in Derwent fall around $243 for six
months.
The cheapest auto insurance company in Derwent is American Family.
Teen drivers pay the highest rate in Derwent at $721 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 Derwent
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 Derwent are given below.
American Family provides
the cheapest minimum car insurance
coverage in Derwent. Their Average 6 Month Premium is $128.
Allstate is the most
expensive at $460 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 Derwent is American Family
at $41 per month and $243
for six months.
Cheapest Full Coverage Car Insurance Quotes in Derwent,
OH
Get Your Car Insurance Quote in Derwent
Instantly!
Average Car Insurance in Derwent 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 Derwent, OH increasing?
Despite maintaining a clean driving record, your car insurance rates
in Derwent, 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, Derwent's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Derwent
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
$550
30s
USAA
$389
40s
USAA
$353
50s
USAA
$326
60s
USAA
$343
70s
USAA
$415
Cheapest Car Insurance Rates for Teen Drivers in
Derwent,OH
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the Derwent at $22
per
month. At $4241 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 Derwent.
As young drivers face the highest rates in Derwent, USAA
offers the cheapest auto insurance rates at $550 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 Derwent,
American Family is
the cheapest car insurance provider. At $206 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
Derwent is Allstate, offering
rates of around $1751 for six
months.
Save up to $971/yr on car insurance rates in Derwent.
Car Insurance Rates with An Accident in Derwent
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 Derwent, OH,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Derwent
The cheapest car insurance companies after an at-fault accident in
Derwent include Central Mutual
and American Family, offering $140
and $157,
respectively. Frankenmuth is an expensive provider
with an average six-month premium of
$249.
Here is a list of driving violations that can increase your car
insurance rates in Derwent OH. For example, the car
insurance in Derwent
after a DUI increases to $709 for a six
month policy. While the rate increases by $157 for a six-month policy in the case of
a speeding ticket.
Derwent auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$746
$124
One Med/PIP claim
$763
$130
Not-at-fault accident
$775
$130
One comp claim
$794
$135
Two Med/PIP claims
$794
$133
Two comp claims
$830
$141
Failure to show documents
$836
$140
Driving without lights
$855
$145
Failure to wear a seat belt
$855
$143
Child safety restraint
$872
$148
Driving with expired registration
$872
$146
Driving too slowly
$903
$153
Speeding 11 - 15 MPH over limit
$903
$151
Speeding 6 - 10 MPH over limit
$903
$153
Speeding in school zone
$903
$151
Cell phone violation
$909
$155
Failure to yield
$909
$152
Following too closely
$909
$155
Illegal turn
$909
$152
Texting while driving
$909
$155
Wrong way/wrong lane
$909
$152
Failure to stop at a red light
$915
$156
Improper passing
$921
$153
Speeding 16 - 20 MPH over limit
$921
$157
At-fault accident - less than $1000
$952
$158
Passing school bus
$958
$163
Speeding 21 - 25 MPH over limit
$981
$163
In 65 MPH zone
$993
$169
At-fault accident - $1000-$2000
$1097
$183
At-fault accident - greater than $2000
$1103
$188
Open container
$1103
$184
Operating a vehicle without permission
$1109
$189
Reckless driving
$1406
$235
Racing
$1430
$243
Refusal to submit to a chemical test
$1430
$239
Driving with a suspended license
$1442
$245
DUI
$1455
$243
Leaving scene of an accident/hit and run
$1496
$254
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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 Derwent 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 Derwent.
The cheapest car insurance premiums in
Derwent are
offered by American Family at $157 for a six-month policy.
However, it can be as
expensive as $1533 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 Derwent are offered by American Family
at $157. However,
it can be as expensive as $1375
with companies like Grange for a similar
six-month premium.
Cheapest Car Insurance in Derwent after Speeding ticket
Car insurance rates in Derwent have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Derwent rose by
$121 in December
compared to $118 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 Derwent rose to $37 in December,
compared to $36 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
Derwent. At $1362 for a
six-month policy, insuring
your car at 43733 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 Derwent?
The car insurance in Derwent is $21 per month, which is lower than the national average.
What is the cheapest car insurance in Derwent?
The cheapest car insurance in Derwent
is $41 per month
for full coverage.
How much is car insurance in Derwent for teenagers?
Car insurance for teenagers costs $134 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
Derwent?
The average cost of car insurance is $668 for a six-month
policy. It will cost around $114 per month to insure your
car in Derwent.
Is car insurance expensive in Derwent?
Car insurance can be expensive in Derwent if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Derwent can be
affordable.
What is the best car insurance in Derwent,
OH?
The best car insurance company in Derwent
OH is
American Family, offering $243 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Derwent, OH
Car Insurance Rates by State in the USA (2025 Update)
Derwent Car Insurance
