Cheapest Car Insurance Quotes in East Liberty

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East Liberty 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 East Liberty

The car insurance rate in East Liberty is $684 for a six-month policy, which is $59 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $219, making it a popular choice for budget-conscious drivers. Rates in East Liberty 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 East Liberty

$684

Avg. Car Insurance in Ohio

$743

National Average

$1278

Cheapest Car Insurance Companies in East Liberty

1st place: American Family

At $219 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 $350 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $546 for six months, making it the third cheapest auto insurance company in East Liberty.

East Liberty Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in East Liberty, OH is American Family, offering policies at just $219 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $350.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1049 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help East Liberty drivers find the best deals.

Cheap Car Insurance Companies in East Liberty, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$219	$37
Auto-Owners Insurance Co	$350	$58
Travelers	$546	$93
State Farm	$558	$93
Hastings Mutual	$569	$97
USAA	$574	$97
Erie	$595	$100
Nationwide	$628	$106
Central Mutual	$661	$112
Progressive	$688	$116
Auto-Owners	$743	$126
Farmers	$809	$135
Westfield	$951	$162
Cincinnati	$995	$166
Grange	$1011	$172
Allstate	$1049	$177

Key Takeaways

Way's key takeaways about car insurance in East Liberty

The auto insurance costs in East Liberty fall around $219 for six months.
The cheapest auto insurance company in East Liberty is American Family.
Teen drivers pay the highest rate in East Liberty at $650 per month.

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

Cheapest Minimum Liability Car Insurance in East Liberty

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 East Liberty are given below.

American Family provides the cheapest minimum car insurance coverage in East Liberty. Their Average 6 Month Premium is $115. Allstate is the most expensive at $415 for the same period.

Cheapest Liability Coverage in East Liberty, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$115	$19
Central Mutual	$126	$21
Auto-Owners Insurance Co	$137	$23
USAA	$158	$27
Erie	$169	$29
Westfield	$169	$29
State Farm	$180	$30
Progressive	$208	$35
Auto-Owners	$229	$39
Travelers	$229	$39
Nationwide	$279	$47
Farmers	$306	$51
Grange	$361	$62
Cincinnati	$383	$63
Allstate	$415	$70

Cheapest Full Coverage Car Insurance in East Liberty

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 East Liberty is American Family at $37 per month and $219 for six months.

Cheapest Full Coverage Car Insurance Quotes in East Liberty, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$219	$37
Auto-Owners Insurance Co	$350	$58
Travelers	$546	$93
State Farm	$558	$93
Hastings Mutual	$569	$97
USAA	$574	$97
Erie	$595	$100
Nationwide	$628	$106
Central Mutual	$661	$112
Progressive	$688	$116
Auto-Owners	$743	$126
Farmers	$809	$135
Westfield	$951	$162
Cincinnati	$995	$166
Grange	$1011	$172
Allstate	$1049	$177

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Average Car Insurance in East Liberty 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 East Liberty, OH increasing?

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

Car Insurance Premiums by Age in East Liberty

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	$523
30s	USAA	$370
40s	USAA	$335
50s	USAA	$310
60s	USAA	$326
70s	USAA	$395

Cheapest Car Insurance Rates for Teen Drivers in East Liberty,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the East Liberty at $20 per month. At $3825 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$121	$20
USAA	$738	$124
Erie	$847	$143
Travelers	$989	$167
Westfield	$1104	$186
Progressive	$1591	$268
Nationwide	$2028	$341
Auto-Owners	$2164	$361
Allstate	$2214	$373
State Farm	$2268	$378
Cincinnati	$2874	$489
Grange	$2902	$484
Farmers	$3825	$650

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 East Liberty.

As young drivers face the highest rates in East Liberty, USAA offers the cheapest auto insurance rates at $523 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 East Liberty, American Family is the cheapest car insurance provider. At $186 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 East Liberty is AutoOwners, offering rates of around $2076 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$186	$31
Progressive	$684	$115
Nationwide	$787	$132
USAA	$803	$134
Grange	$814	$137
Erie	$831	$140
Westfield	$972	$164
Cincinnati	$1503	$250
Allstate	$1792	$305
Auto-Owners	$2076	$346

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Save up to $971/yr on car insurance rates in East Liberty.

Car Insurance Rates with An Accident in East Liberty

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 East Liberty, OH, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in East Liberty

The cheapest car insurance companies after an at-fault accident in East Liberty include Central Mutual and American Family, offering $126 and $142, respectively. State Farm is an expensive provider with an average six-month premium of $4197.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$126	$21
American Family	$142	$24
Auto-Owners Insurance Co	$219	$37
Erie	$388	$65
Westfield	$580	$98
Nationwide	$787	$132
Travelers	$842	$142
USAA	$1137	$191
Auto-Owners	$1180	$199
Grange	$1240	$211
Progressive	$1803	$304
Cincinnati	$1853	$315
Allstate	$2208	$372
State Farm	$4197	$714

East Liberty Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in East Liberty OH. For example, the car insurance in East Liberty after a DUI increases to $639 for a six month policy. While the rate increases by $141 for a six-month policy in the case of a speeding ticket.

East Liberty auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$673	$112
One Med/PIP claim	$688	$117
Not-at-fault accident	$699	$117
One comp claim	$716	$121
Two Med/PIP claims	$716	$120
Two comp claims	$749	$127
Failure to show documents	$754	$126
Driving without lights	$771	$131
Failure to wear a seat belt	$771	$129
Child safety restraint	$787	$133
Driving with expired registration	$787	$132
Driving too slowly	$814	$138
Speeding 11 - 15 MPH over limit	$814	$136
Speeding 6 - 10 MPH over limit	$814	$138
Speeding in school zone	$814	$136
Cell phone violation	$820	$140
Failure to yield	$820	$137
Following too closely	$820	$140
Illegal turn	$820	$137
Texting while driving	$820	$140
Wrong way/wrong lane	$820	$137
Failure to stop at a red light	$825	$141
Improper passing	$831	$138
Speeding 16 - 20 MPH over limit	$831	$142
At-fault accident - less than $1000	$858	$143
Passing school bus	$864	$147
Speeding 21 - 25 MPH over limit	$885	$147
In 65 MPH zone	$896	$153
At-fault accident - $1000-$2000	$989	$165
At-fault accident - greater than $2000	$995	$169
Open container	$995	$166
Operating a vehicle without permission	$1000	$170
Reckless driving	$1268	$212
Racing	$1290	$219
Refusal to submit to a chemical test	$1290	$215
Driving with a suspended license	$1301	$221
DUI	$1312	$219
Leaving scene of an accident/hit and run	$1350	$229

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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 East Liberty 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 East Liberty.

The cheapest car insurance premiums in East Liberty are offered by American Family at $142 for a six-month policy. However, it can be as expensive as $2432 with companies like Cincinnati.

East Liberty car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$142	$24
Travelers	$454	$76
Progressive	$546	$92
Erie	$563	$95
USAA	$639	$108
State Farm	$880	$150
Nationwide	$1006	$169
Farmers	$1093	$186
Auto-Owners	$1405	$234
Allstate	$1437	$242
Grange	$1623	$270
Westfield	$2110	$359
Cincinnati	$2432	$406

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 East Liberty are offered by American Family at $142. However, it can be as expensive as $1448 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in East Liberty after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$142	$24
Auto-Owners Insurance Co	$142	$24
Erie	$405	$68
Progressive	$563	$95
USAA	$580	$97
Westfield	$650	$109
Nationwide	$656	$110
Auto-Owners	$743	$126
Cincinnati	$1175	$196
Allstate	$1372	$234
Grange	$1448	$241

Car Insurance Price Trends in East Liberty, Ohio

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

The average cost of full coverage in the East Liberty rose by $137 in January compared to $109 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 East Liberty rose to $36 in January, compared to $33 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 East Liberty?

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

What is the cheapest car insurance in East Liberty?

The cheapest car insurance in East Liberty is $37 per month for full coverage.

How much is car insurance in East Liberty for teenagers?

Car insurance for teenagers costs $121 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 East Liberty?

The average cost of car insurance is $743 for a six-month policy. It will cost around $115 per month to insure your car in East Liberty.

Is car insurance expensive in East Liberty?

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

Cheapest Car Insurance Quotes in East Liberty

Why you can trust Way?

How Much Is Car Insurance in East Liberty

Avg. Car Insurance in East Liberty

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in East Liberty

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

East Liberty Car Insurance Rates by Company

Cheap Car Insurance Companies in East Liberty, OH

Way's key takeaways about car insurance in East Liberty

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in East Liberty

Cheapest Liability Coverage in East Liberty, OH

Cheapest Full Coverage Car Insurance in East Liberty

Cheapest Full Coverage Car Insurance Quotes in East Liberty, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in East Liberty by Rating Factor

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

Car Insurance Premiums by Age in East Liberty

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in East Liberty,OH

If you are in your twenties USAA is the best choice for car insurance in East Liberty.

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 East Liberty

Cheapest Car Insurance Companies after an At-Fault Accident in East Liberty

East Liberty Car Insurance Rates by Violation

East Liberty auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in East Liberty after a DUI

East Liberty car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in East Liberty after Speeding ticket

Car Insurance Price Trends in East Liberty, Ohio

Average Car Insurance Cost in East Liberty by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near East Liberty, OH

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

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