Cheapest Car Insurance Quotes in Dexter City

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Dexter City Car Insurance

^$ 22

/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 Dexter City

The car insurance rate in Dexter City is $765 for a six-month policy, which is $22 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $245, making it a popular choice for budget-conscious drivers. Rates in Dexter City 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 Dexter City

$765

Avg. Car Insurance in Ohio

$743

National Average

$1278

Cheapest Car Insurance Companies in Dexter City

1st place: American Family

At $245 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 $391 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $612 for six months, making it the third cheapest auto insurance company in Dexter City.

Dexter City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dexter City, OH is American Family, offering policies at just $245 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $391.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1174 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dexter City drivers find the best deals.

Cheap Car Insurance Companies in Dexter City, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$245	$41
Auto-Owners Insurance Co	$391	$65
Travelers	$612	$104
State Farm	$624	$104
Hastings Mutual	$637	$108
USAA	$643	$108
Erie	$666	$112
Nationwide	$703	$118
Central Mutual	$741	$126
Progressive	$770	$130
Auto-Owners	$832	$141
Farmers	$905	$151
Westfield	$1065	$181
Cincinnati	$1113	$185
Grange	$1132	$193
Allstate	$1174	$198

Key Takeaways

Way's key takeaways about car insurance in Dexter City

The auto insurance costs in Dexter City fall around $245 for six months.
The cheapest auto insurance company in Dexter City is American Family.
Teen drivers pay the highest rate in Dexter City at $728 per month.

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

Cheapest Minimum Liability Car Insurance in Dexter City

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 Dexter City are given below.

American Family provides the cheapest minimum car insurance coverage in Dexter City. Their Average 6 Month Premium is $129. Allstate is the most expensive at $465 for the same period.

Cheapest Liability Coverage in Dexter City, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$129	$22
Central Mutual	$141	$24
Auto-Owners Insurance Co	$153	$26
USAA	$177	$30
Erie	$190	$32
Westfield	$190	$32
State Farm	$202	$34
Progressive	$233	$39
Auto-Owners	$256	$43
Travelers	$256	$43
Nationwide	$312	$53
Farmers	$343	$57
Grange	$404	$69
Cincinnati	$428	$71
Allstate	$465	$78

Cheapest Full Coverage Car Insurance in Dexter City

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 Dexter City is American Family at $41 per month and $245 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dexter City, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$245	$41
Auto-Owners Insurance Co	$391	$65
Travelers	$612	$104
State Farm	$624	$104
Hastings Mutual	$637	$108
USAA	$643	$108
Erie	$666	$112
Nationwide	$703	$118
Central Mutual	$741	$126
Progressive	$770	$130
Auto-Owners	$832	$141
Farmers	$905	$151
Westfield	$1065	$181
Cincinnati	$1113	$185
Grange	$1132	$193
Allstate	$1174	$198

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Average Car Insurance in Dexter City 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 Dexter City, OH increasing?

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

Car Insurance Premiums by Age in Dexter City

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	$585
30s	USAA	$414
40s	USAA	$375
50s	USAA	$347
60s	USAA	$365
70s	USAA	$442

Cheapest Car Insurance Rates for Teen Drivers in Dexter City,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Dexter City at $23 per month. At $4283 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$135	$23
USAA	$826	$139
Erie	$949	$160
Travelers	$1107	$186
Westfield	$1236	$208
Progressive	$1781	$300
Nationwide	$2270	$382
Auto-Owners	$2423	$404
Allstate	$2478	$417
State Farm	$2539	$423
Cincinnati	$3218	$547
Grange	$3249	$542
Farmers	$4283	$728

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 Dexter City.

As young drivers face the highest rates in Dexter City, USAA offers the cheapest auto insurance rates at $585 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 Dexter City, American Family is the cheapest car insurance provider. At $208 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 Dexter City is AutoOwners, offering rates of around $2325 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$208	$35
Progressive	$765	$129
Nationwide	$881	$148
USAA	$899	$150
Grange	$912	$153
Erie	$930	$157
Westfield	$1089	$183
Cincinnati	$1683	$280
Allstate	$2006	$341
Auto-Owners	$2325	$387

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Save up to $971/yr on car insurance rates in Dexter City.

Car Insurance Rates with An Accident in Dexter City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Dexter City

The cheapest car insurance companies after an at-fault accident in Dexter City include Central Mutual and American Family, offering $141 and $159, respectively. State Farm is an expensive provider with an average six-month premium of $4699.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$141	$24
American Family	$159	$27
Auto-Owners Insurance Co	$245	$41
Erie	$435	$73
Westfield	$649	$109
Nationwide	$881	$148
Travelers	$942	$159
USAA	$1273	$214
Auto-Owners	$1321	$222
Grange	$1388	$236
Progressive	$2019	$340
Cincinnati	$2074	$352
Allstate	$2472	$416
State Farm	$4699	$799

Dexter City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dexter City OH. For example, the car insurance in Dexter City after a DUI increases to $716 for a six month policy. While the rate increases by $159 for a six-month policy in the case of a speeding ticket.

Dexter City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$753	$126
One Med/PIP claim	$770	$131
Not-at-fault accident	$783	$131
One comp claim	$801	$136
Two Med/PIP claims	$801	$134
Two comp claims	$838	$142
Failure to show documents	$845	$141
Driving without lights	$863	$146
Failure to wear a seat belt	$863	$144
Child safety restraint	$881	$149
Driving with expired registration	$881	$147
Driving too slowly	$912	$155
Speeding 11 - 15 MPH over limit	$912	$152
Speeding 6 - 10 MPH over limit	$912	$155
Speeding in school zone	$912	$152
Cell phone violation	$918	$157
Failure to yield	$918	$153
Following too closely	$918	$157
Illegal turn	$918	$153
Texting while driving	$918	$157
Wrong way/wrong lane	$918	$153
Failure to stop at a red light	$924	$158
Improper passing	$930	$155
Speeding 16 - 20 MPH over limit	$930	$159
At-fault accident - less than $1000	$961	$160
Passing school bus	$967	$165
Speeding 21 - 25 MPH over limit	$991	$165
In 65 MPH zone	$1003	$171
At-fault accident - $1000-$2000	$1107	$184
At-fault accident - greater than $2000	$1113	$190
Open container	$1113	$185
Operating a vehicle without permission	$1120	$191
Reckless driving	$1419	$237
Racing	$1444	$245
Refusal to submit to a chemical test	$1444	$241
Driving with a suspended license	$1456	$247
DUI	$1469	$245
Leaving scene of an accident/hit and run	$1511	$256

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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 Dexter City 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 Dexter City.

The cheapest car insurance premiums in Dexter City are offered by American Family at $159 for a six-month policy. However, it can be as expensive as $2722 with companies like Cincinnati.

Dexter City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$159	$27
Travelers	$508	$85
Progressive	$612	$103
Erie	$630	$106
USAA	$716	$121
State Farm	$985	$168
Nationwide	$1126	$190
Farmers	$1224	$208
Auto-Owners	$1573	$262
Allstate	$1609	$271
Grange	$1817	$303
Westfield	$2362	$402
Cincinnati	$2722	$454

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 Dexter City are offered by American Family at $159. However, it can be as expensive as $1621 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Dexter City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$159	$27
Auto-Owners Insurance Co	$159	$27
Erie	$453	$76
Progressive	$630	$106
USAA	$649	$108
Westfield	$728	$123
Nationwide	$734	$124
Auto-Owners	$832	$141
Cincinnati	$1315	$219
Allstate	$1536	$262
Grange	$1621	$270

Car Insurance Price Trends in Dexter City, Ohio

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

The average cost of full coverage in the Dexter City rose by $153 in January compared to $123 of December. In other words, there has been an increase by $30 when you compare January and December.

The average cost of liability insurance in the Dexter City rose to $40 in January, compared to $37 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Dexter City?

The car insurance in Dexter City is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Dexter City?

The cheapest car insurance in Dexter City is $41 per month for full coverage.

How much is car insurance in Dexter City for teenagers?

Car insurance for teenagers costs $135 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 Dexter City?

The average cost of car insurance is $743 for a six-month policy. It will cost around $129 per month to insure your car in Dexter City.

Is car insurance expensive in Dexter City?

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

Cheapest Car Insurance Quotes in Dexter City

Why you can trust Way?

How Much Is Car Insurance in Dexter City

Avg. Car Insurance in Dexter City

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Dexter City

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Dexter City Car Insurance Rates by Company

Cheap Car Insurance Companies in Dexter City, OH

Way's key takeaways about car insurance in Dexter City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dexter City

Cheapest Liability Coverage in Dexter City, OH

Cheapest Full Coverage Car Insurance in Dexter City

Cheapest Full Coverage Car Insurance Quotes in Dexter City, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dexter City by Rating Factor

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

Car Insurance Premiums by Age in Dexter City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dexter City,OH

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

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 Dexter City

Cheapest Car Insurance Companies after an At-Fault Accident in Dexter City

Dexter City Car Insurance Rates by Violation

Dexter City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dexter City after a DUI

Dexter City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dexter City after Speeding ticket

Car Insurance Price Trends in Dexter City, Ohio

Average Car Insurance Cost in Dexter City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dexter City, OH

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

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