Cheapest Car Insurance Quotes in Forest

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Forest 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 Forest

The car insurance rate in Forest is $601 for a six-month policy, which is $67 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $214, making it a popular choice for budget-conscious drivers. Rates in Forest 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 Forest

$601

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Forest

1st place: American Family

At $214 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 $342 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $535 for six months, making it the third cheapest auto insurance company in Forest.

Forest Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Forest, OH is American Family, offering policies at just $214 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $342.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $684 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Forest drivers find the best deals.

Cheap Car Insurance Companies in Forest, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$214	$36
Auto-Owners Insurance Co	$342	$57
Travelers	$535	$91
Erie	$540	$91
State Farm	$545	$93
USAA	$545	$92
Hastings Mutual	$556	$95
Nationwide	$562	$95
Central Mutual	$647	$110
Progressive	$653	$110
Farmers	$791	$134
Grange	$845	$140
Allstate	$968	$163
Westfield	$684	$116

Key Takeaways

Way's key takeaways about car insurance in Forest

The auto insurance costs in Forest fall around $214 for six months.
The cheapest auto insurance company in Forest is American Family.
Teen drivers pay the highest rate in Forest at $636 per month.

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Cheapest Minimum Liability Car Insurance in Forest

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 Forest are given below.

American Family provides the cheapest minimum car insurance coverage in Forest. Their Average 6 Month Premium is $113. Allstate is the most expensive at $406 for the same period.

Cheapest Liability Coverage in Forest, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$113	$19
Central Mutual	$123	$21
Auto-Owners Insurance Co	$134	$23
Westfield	$139	$23
USAA	$144	$24
Erie	$160	$27
State Farm	$176	$30
Progressive	$193	$32
Nationwide	$214	$36
Travelers	$224	$38
Auto-Owners	$235	$40
Farmers	$300	$51
Grange	$326	$54
Allstate	$406	$68

Cheapest Full Coverage Car Insurance in Forest

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 Forest is American Family at $36 per month and $214 for six months.

Cheapest Full Coverage Car Insurance Quotes in Forest, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$214	$36
Auto-Owners Insurance Co	$342	$57
Travelers	$535	$91
Erie	$540	$91
State Farm	$545	$93
USAA	$545	$92
Hastings Mutual	$556	$95
Nationwide	$562	$95
Central Mutual	$647	$110
Progressive	$653	$110
Farmers	$791	$134
Grange	$845	$140
Allstate	$968	$163
Westfield	$684	$116

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Average Car Insurance in Forest 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 Forest, OH increasing?

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

Car Insurance Premiums by Age in Forest

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	$485
30s	USAA	$343
40s	USAA	$311
50s	USAA	$288
60s	USAA	$302
70s	USAA	$366

Cheapest Car Insurance Rates for Teen Drivers in Forest,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Forest at $20 per month. At $3742 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$118	$20
Westfield	$144	$24
USAA	$743	$125
Erie	$791	$133
Travelers	$968	$163
Nationwide	$1508	$254
Progressive	$1513	$255
Allstate	$2058	$347
State Farm	$2219	$377
Grange	$2449	$408
Farmers	$3742	$636

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 Forest.

As young drivers face the highest rates in Forest, USAA offers the cheapest auto insurance rates at $485 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 Forest, American Family is the cheapest car insurance provider. At $182 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 Forest is Allstate, offering rates of around $1545 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$182	$31
Westfield	$230	$39
Nationwide	$609	$103
Erie	$631	$106
Progressive	$631	$106
USAA	$684	$114
Grange	$700	$118
Allstate	$1545	$257

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

Car Insurance Rates with An Accident in Forest

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

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

The cheapest car insurance companies after an at-fault accident in Forest include Central Mutual and American Family, offering $123 and $139, respectively. Frankenmuth is an expensive provider with an average six-month premium of $220.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$123	$21
American Family	$139	$23
Auto-Owners Insurance Co	$214	$36
Westfield	$214	$36
Erie	$294	$50
Nationwide	$615	$104
Travelers	$824	$139
Grange	$1031	$176
USAA	$1085	$183
Auto-Owners	$1224	$206
Progressive	$1733	$292
Allstate	$2042	$344
State Farm	$4106	$684
Frankenmuth	$220	$37

Forest Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Forest OH. For example, the car insurance in Forest after a DUI increases to $625 for a six month policy. While the rate increases by $139 for a six-month policy in the case of a speeding ticket.

Forest auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$658	$110
One Med/PIP claim	$673	$114
Not-at-fault accident	$684	$114
One comp claim	$700	$119
Two Med/PIP claims	$700	$117
Two comp claims	$733	$124
Failure to show documents	$738	$123
Driving without lights	$754	$128
Failure to wear a seat belt	$754	$126
Child safety restraint	$770	$131
Driving with expired registration	$770	$129
Driving too slowly	$797	$135
Speeding 11 - 15 MPH over limit	$797	$133
Speeding 6 - 10 MPH over limit	$797	$135
Speeding in school zone	$797	$133
Cell phone violation	$802	$137
Failure to yield	$802	$134
Following too closely	$802	$137
Illegal turn	$802	$134
Texting while driving	$802	$137
Wrong way/wrong lane	$802	$134
Failure to stop at a red light	$807	$138
Improper passing	$813	$135
Speeding 16 - 20 MPH over limit	$813	$139
At-fault accident - less than $1000	$840	$140
Passing school bus	$845	$144
Speeding 21 - 25 MPH over limit	$866	$144
In 65 MPH zone	$877	$149
At-fault accident - $1000-$2000	$968	$161
At-fault accident - greater than $2000	$973	$166
Open container	$973	$162
Operating a vehicle without permission	$978	$167
Reckless driving	$1240	$207
Racing	$1262	$214
Refusal to submit to a chemical test	$1262	$211
Driving with a suspended license	$1273	$216
DUI	$1283	$214
Leaving scene of an accident/hit and run	$1320	$224

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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 Forest 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 Forest.

The cheapest car insurance premiums in Forest are offered by American Family at $139 for a six-month policy. However, it can be as expensive as $1353 with companies like Grange.

Forest car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$139	$23
Erie	$417	$70
Travelers	$444	$75
Progressive	$518	$87
USAA	$540	$91
Nationwide	$786	$132
State Farm	$860	$147
Farmers	$1069	$178
Allstate	$1310	$221
Grange	$1353	$225

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 Forest are offered by American Family at $139. However, it can be as expensive as $1213 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Forest after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$139	$23
Auto-Owners Insurance Co	$139	$23
Westfield	$149	$25
Erie	$311	$52
USAA	$491	$82
Nationwide	$513	$86
Progressive	$540	$91
Allstate	$1176	$200
Grange	$1213	$203

Car Insurance Price Trends in Forest, Ohio

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

The average cost of full coverage in the Forest rose by $107 in December compared to $104 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 Forest remained steady at $32 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Forest?

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

What is the cheapest car insurance in Forest?

The cheapest car insurance in Forest is $36 per month for full coverage.

How much is car insurance in Forest for teenagers?

Car insurance for teenagers costs $118 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 Forest?

The average cost of car insurance is $668 for a six-month policy. It will cost around $101 per month to insure your car in Forest.

Is car insurance expensive in Forest?

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

Cheapest Car Insurance Quotes in Forest

Why you can trust Way?

How Much Is Car Insurance in Forest

Avg. Car Insurance in Forest

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Forest

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Forest Car Insurance Rates by Company

Cheap Car Insurance Companies in Forest, OH

Way's key takeaways about car insurance in Forest

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Forest

Cheapest Liability Coverage in Forest, OH

Cheapest Full Coverage Car Insurance in Forest

Cheapest Full Coverage Car Insurance Quotes in Forest, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Forest by Rating Factor

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

Car Insurance Premiums by Age in Forest

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Forest,OH

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

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 Forest

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

Forest Car Insurance Rates by Violation

Forest auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Forest after a DUI

Forest car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Forest after Speeding ticket

Car Insurance Price Trends in Forest, Ohio

Average Car Insurance Cost in Forest by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Forest, OH

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

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