Cheapest Car Insurance Quotes in Fletcher

Finding the cheapest car insurance quotes in Fletcher 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Fletcher Car Insurance

^$ 20

/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 Fletcher

The car insurance rate in Fletcher is $621 for a six-month policy, which is $47 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $221, making it a popular choice for budget-conscious drivers. Rates in Fletcher 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 Fletcher

$621

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Fletcher

1st place: American Family

At $221 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 $353 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $552 for six months, making it the third cheapest auto insurance company in Fletcher.

Fletcher Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fletcher, OH is American Family, offering policies at just $221 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $353.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $707 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fletcher drivers find the best deals.

Cheap Car Insurance Companies in Fletcher, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$221	$37
Auto-Owners Insurance Co	$353	$59
Travelers	$552	$94
Erie	$558	$94
State Farm	$564	$96
USAA	$564	$95
Hastings Mutual	$575	$98
Nationwide	$580	$98
Central Mutual	$669	$113
Progressive	$674	$113
Farmers	$817	$139
Grange	$873	$145
Allstate	$1000	$168
Westfield	$707	$120

Key Takeaways

Way's key takeaways about car insurance in Fletcher

The auto insurance costs in Fletcher fall around $221 for six months.
The cheapest auto insurance company in Fletcher is American Family.
Teen drivers pay the highest rate in Fletcher at $658 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 Fletcher

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 Fletcher are given below.

American Family provides the cheapest minimum car insurance coverage in Fletcher. Their Average 6 Month Premium is $116. Allstate is the most expensive at $419 for the same period.

Cheapest Liability Coverage in Fletcher, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$116	$20
Central Mutual	$127	$21
Auto-Owners Insurance Co	$139	$23
Westfield	$143	$24
USAA	$149	$25
Erie	$166	$28
State Farm	$182	$31
Progressive	$199	$33
Nationwide	$221	$37
Travelers	$232	$39
Auto-Owners	$243	$41
Farmers	$310	$53
Grange	$337	$56
Allstate	$419	$71

Cheapest Full Coverage Car Insurance in Fletcher

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 Fletcher is American Family at $37 per month and $221 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fletcher, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$221	$37
Auto-Owners Insurance Co	$353	$59
Travelers	$552	$94
Erie	$558	$94
State Farm	$564	$96
USAA	$564	$95
Hastings Mutual	$575	$98
Nationwide	$580	$98
Central Mutual	$669	$113
Progressive	$674	$113
Farmers	$817	$139
Grange	$873	$145
Allstate	$1000	$168
Westfield	$707	$120

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Fletcher Instantly!

Average Car Insurance in Fletcher 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 Fletcher, OH increasing?

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

Car Insurance Premiums by Age in Fletcher

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	$501
30s	USAA	$354
40s	USAA	$322
50s	USAA	$298
60s	USAA	$312
70s	USAA	$379

Cheapest Car Insurance Rates for Teen Drivers in Fletcher,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Fletcher at $20 per month. At $3867 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$122	$20
Westfield	$149	$25
USAA	$768	$129
Erie	$817	$138
Travelers	$1000	$168
Nationwide	$1558	$262
Progressive	$1563	$263
Allstate	$2127	$358
State Farm	$2292	$390
Grange	$2531	$421
Farmers	$3867	$658

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 Fletcher.

As young drivers face the highest rates in Fletcher, USAA offers the cheapest auto insurance rates at $501 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 Fletcher, American Family is the cheapest car insurance provider. At $188 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 Fletcher is Allstate, offering rates of around $1597 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$188	$32
Westfield	$237	$40
Nationwide	$630	$106
Erie	$652	$110
Progressive	$652	$110
USAA	$707	$118
Grange	$724	$122
Allstate	$1597	$266

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Fletcher

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

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

The cheapest car insurance companies after an at-fault accident in Fletcher include Central Mutual and American Family, offering $127 and $143, respectively. Frankenmuth is an expensive provider with an average six-month premium of $227.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$127	$21
American Family	$143	$24
Auto-Owners Insurance Co	$221	$37
Westfield	$221	$37
Erie	$304	$51
Nationwide	$635	$107
Travelers	$851	$143
Grange	$1066	$181
USAA	$1122	$189
Auto-Owners	$1265	$213
Progressive	$1790	$301
Allstate	$2110	$355
State Farm	$4243	$707
Frankenmuth	$227	$38

Fletcher Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fletcher OH. For example, the car insurance in Fletcher after a DUI increases to $646 for a six month policy. While the rate increases by $143 for a six-month policy in the case of a speeding ticket.

Fletcher auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$680	$113
One Med/PIP claim	$696	$118
Not-at-fault accident	$707	$118
One comp claim	$724	$123
Two Med/PIP claims	$724	$121
Two comp claims	$757	$128
Failure to show documents	$763	$127
Driving without lights	$779	$132
Failure to wear a seat belt	$779	$130
Child safety restraint	$795	$135
Driving with expired registration	$795	$133
Driving too slowly	$823	$140
Speeding 11 - 15 MPH over limit	$823	$138
Speeding 6 - 10 MPH over limit	$823	$140
Speeding in school zone	$823	$138
Cell phone violation	$829	$141
Failure to yield	$829	$139
Following too closely	$829	$141
Illegal turn	$829	$139
Texting while driving	$829	$141
Wrong way/wrong lane	$829	$139
Failure to stop at a red light	$834	$142
Improper passing	$840	$140
Speeding 16 - 20 MPH over limit	$840	$143
At-fault accident - less than $1000	$868	$144
Passing school bus	$873	$149
Speeding 21 - 25 MPH over limit	$895	$149
In 65 MPH zone	$906	$154
At-fault accident - $1000-$2000	$1000	$166
At-fault accident - greater than $2000	$1005	$171
Open container	$1005	$167
Operating a vehicle without permission	$1011	$172
Reckless driving	$1282	$214
Racing	$1304	$221
Refusal to submit to a chemical test	$1304	$218
Driving with a suspended license	$1315	$223
DUI	$1326	$221
Leaving scene of an accident/hit and run	$1364	$232

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Fletcher 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 Fletcher.

The cheapest car insurance premiums in Fletcher are offered by American Family at $143 for a six-month policy. However, it can be as expensive as $1398 with companies like Grange.

Fletcher car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$143	$24
Erie	$431	$73
Travelers	$458	$77
Progressive	$536	$90
USAA	$558	$94
Nationwide	$812	$137
State Farm	$889	$152
Farmers	$1105	$184
Allstate	$1353	$228
Grange	$1398	$233

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 Fletcher are offered by American Family at $143. However, it can be as expensive as $1254 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Fletcher after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$143	$24
Auto-Owners Insurance Co	$143	$24
Westfield	$154	$26
Erie	$321	$54
USAA	$508	$85
Nationwide	$530	$89
Progressive	$558	$94
Allstate	$1216	$206
Grange	$1254	$209

Car Insurance Price Trends in Fletcher, Ohio

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

The average cost of full coverage in the Fletcher rose by $111 in December compared to $108 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 Fletcher remained steady at $33 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Fletcher?

The car insurance in Fletcher is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Fletcher?

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

How much is car insurance in Fletcher for teenagers?

Car insurance for teenagers costs $122 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 Fletcher?

The average cost of car insurance is $668 for a six-month policy. It will cost around $104 per month to insure your car in Fletcher.

Is car insurance expensive in Fletcher?

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

Cheapest Car Insurance Quotes in Fletcher

Why you can trust Way?

How Much Is Car Insurance in Fletcher

Avg. Car Insurance in Fletcher

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Fletcher

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Fletcher Car Insurance Rates by Company

Cheap Car Insurance Companies in Fletcher, OH

Way's key takeaways about car insurance in Fletcher

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fletcher

Cheapest Liability Coverage in Fletcher, OH

Cheapest Full Coverage Car Insurance in Fletcher

Cheapest Full Coverage Car Insurance Quotes in Fletcher, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fletcher by Rating Factor

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

Car Insurance Premiums by Age in Fletcher

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fletcher,OH

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

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 Fletcher

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

Fletcher Car Insurance Rates by Violation

Fletcher auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fletcher after a DUI

Fletcher car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fletcher after Speeding ticket

Car Insurance Price Trends in Fletcher, Ohio

Average Car Insurance Cost in Fletcher by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fletcher, OH

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

Featured Blogs

Data Sources