Cheapest Car Insurance Quotes in Edgerton

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Edgerton 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 Edgerton

The car insurance rate in Edgerton is $615 for a six-month policy, which is $53 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 Edgerton 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 Edgerton

$615

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Edgerton

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 Edgerton.

Edgerton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Edgerton, 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, Westfield is the most expensive, with rates reaching $699 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Edgerton drivers find the best deals.

Cheap Car Insurance Companies in Edgerton, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$219	$37
Auto-Owners Insurance Co	$350	$58
Travelers	$546	$93
Erie	$552	$93
State Farm	$558	$95
USAA	$558	$94
Hastings Mutual	$569	$97
Nationwide	$574	$97
Central Mutual	$661	$112
Progressive	$667	$112
Farmers	$809	$137
Grange	$864	$144
Allstate	$989	$167
Westfield	$699	$119

Key Takeaways

Way's key takeaways about car insurance in Edgerton

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

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Cheapest Minimum Liability Car Insurance in Edgerton

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 Edgerton are given below.

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

Cheapest Liability Coverage in Edgerton, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$115	$19
Central Mutual	$126	$21
Auto-Owners Insurance Co	$137	$23
Westfield	$142	$24
USAA	$147	$25
Erie	$164	$28
State Farm	$180	$30
Progressive	$197	$33
Nationwide	$219	$37
Travelers	$229	$39
Auto-Owners	$240	$40
Farmers	$306	$52
Grange	$333	$55
Allstate	$415	$70

Cheapest Full Coverage Car Insurance in Edgerton

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

Cheapest Full Coverage Car Insurance Quotes in Edgerton, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$219	$37
Auto-Owners Insurance Co	$350	$58
Travelers	$546	$93
Erie	$552	$93
State Farm	$558	$95
USAA	$558	$94
Hastings Mutual	$569	$97
Nationwide	$574	$97
Central Mutual	$661	$112
Progressive	$667	$112
Farmers	$809	$137
Grange	$864	$144
Allstate	$989	$167
Westfield	$699	$119

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Average Car Insurance in Edgerton 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 Edgerton, OH increasing?

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

Car Insurance Premiums by Age in Edgerton

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	$496
30s	USAA	$351
40s	USAA	$318
50s	USAA	$294
60s	USAA	$309
70s	USAA	$374

Cheapest Car Insurance Rates for Teen Drivers in Edgerton,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Edgerton 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
Westfield	$147	$25
USAA	$760	$128
Erie	$809	$136
Travelers	$989	$167
Nationwide	$1541	$259
Progressive	$1547	$260
Allstate	$2104	$354
State Farm	$2268	$385
Grange	$2503	$417
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 Edgerton.

As young drivers face the highest rates in Edgerton, USAA offers the cheapest auto insurance rates at $496 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 Edgerton, 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 Edgerton is Allstate, offering rates of around $1580 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$186	$31
Westfield	$235	$40
Nationwide	$623	$105
Erie	$645	$109
Progressive	$645	$109
USAA	$699	$117
Grange	$716	$121
Allstate	$1580	$263

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Car Insurance Rates with An Accident in Edgerton

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

Cheapest Car Insurance Companies after an At-Fault Accident in Edgerton

The cheapest car insurance companies after an at-fault accident in Edgerton include Central Mutual and American Family, offering $126 and $142, respectively. Frankenmuth is an expensive provider with an average six-month premium of $224.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$126	$21
American Family	$142	$24
Auto-Owners Insurance Co	$219	$37
Westfield	$219	$37
Erie	$301	$51
Nationwide	$628	$106
Travelers	$842	$142
Grange	$1054	$179
USAA	$1110	$187
Auto-Owners	$1251	$211
Progressive	$1771	$298
Allstate	$2087	$351
State Farm	$4197	$699
Frankenmuth	$224	$38

Edgerton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Edgerton OH. For example, the car insurance in Edgerton 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.

Edgerton 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 Edgerton 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 Edgerton.

The cheapest car insurance premiums in Edgerton are offered by American Family at $142 for a six-month policy. However, it can be as expensive as $1383 with companies like Grange.

Edgerton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$142	$24
Erie	$426	$72
Travelers	$454	$76
Progressive	$530	$89
USAA	$552	$93
Nationwide	$803	$135
State Farm	$880	$150
Farmers	$1093	$182
Allstate	$1339	$225
Grange	$1383	$230

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 Edgerton are offered by American Family at $142. However, it can be as expensive as $1240 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Edgerton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$142	$24
Auto-Owners Insurance Co	$142	$24
Westfield	$153	$26
Erie	$317	$53
USAA	$502	$84
Nationwide	$524	$88
Progressive	$552	$93
Allstate	$1202	$204
Grange	$1240	$207

Car Insurance Price Trends in Edgerton, Ohio

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

The average cost of full coverage in the Edgerton rose by $109 in December compared to $107 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Edgerton rose to $33 in December, compared to $32 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 Edgerton?

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

What is the cheapest car insurance in Edgerton?

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

How much is car insurance in Edgerton 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 Edgerton?

The average cost of car insurance is $668 for a six-month policy. It will cost around $103 per month to insure your car in Edgerton.

Is car insurance expensive in Edgerton?

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

Cheapest Car Insurance Quotes in Edgerton

Why you can trust Way?

How Much Is Car Insurance in Edgerton

Avg. Car Insurance in Edgerton

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Edgerton

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Edgerton Car Insurance Rates by Company

Cheap Car Insurance Companies in Edgerton, OH

Way's key takeaways about car insurance in Edgerton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Edgerton

Cheapest Liability Coverage in Edgerton, OH

Cheapest Full Coverage Car Insurance in Edgerton

Cheapest Full Coverage Car Insurance Quotes in Edgerton, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Edgerton by Rating Factor

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

Car Insurance Premiums by Age in Edgerton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Edgerton,OH

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

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 Edgerton

Cheapest Car Insurance Companies after an At-Fault Accident in Edgerton

Edgerton Car Insurance Rates by Violation

Edgerton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Edgerton after a DUI

Edgerton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Edgerton after Speeding ticket

Car Insurance Price Trends in Edgerton, Ohio

Average Car Insurance Cost in Edgerton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Edgerton, OH

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

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