Cheapest Car Insurance Quotes in Fruit Hill

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Fruit Hill Car Insurance

^$ 23

/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 Fruit Hill

The car insurance rate in Fruit Hill is $810 for a six-month policy, which is $67 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $259, making it a popular choice for budget-conscious drivers. Rates in Fruit Hill 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 Fruit Hill

$810

Avg. Car Insurance in Ohio

$743

National Average

$1278

Cheapest Car Insurance Companies in Fruit Hill

1st place: American Family

At $259 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 $414 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $647 for six months, making it the third cheapest auto insurance company in Fruit Hill.

Fruit Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fruit Hill, OH is American Family, offering policies at just $259 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $414.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1243 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fruit Hill drivers find the best deals.

Cheap Car Insurance Companies in Fruit Hill, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$259	$44
Auto-Owners Insurance Co	$414	$69
Travelers	$647	$110
State Farm	$661	$110
Hastings Mutual	$674	$114
USAA	$680	$114
Erie	$705	$119
Nationwide	$744	$125
Central Mutual	$784	$133
Progressive	$815	$137
Auto-Owners	$881	$149
Farmers	$958	$160
Westfield	$1127	$192
Cincinnati	$1178	$196
Grange	$1198	$204
Allstate	$1243	$209

Key Takeaways

Way's key takeaways about car insurance in Fruit Hill

The auto insurance costs in Fruit Hill fall around $259 for six months.
The cheapest auto insurance company in Fruit Hill is American Family.
Teen drivers pay the highest rate in Fruit Hill at $771 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 Fruit Hill

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 Fruit Hill are given below.

American Family provides the cheapest minimum car insurance coverage in Fruit Hill. Their Average 6 Month Premium is $136. Allstate is the most expensive at $492 for the same period.

Cheapest Liability Coverage in Fruit Hill, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$136	$23
Central Mutual	$149	$25
Auto-Owners Insurance Co	$162	$27
USAA	$187	$32
Erie	$201	$34
Westfield	$201	$34
State Farm	$214	$36
Progressive	$246	$41
Auto-Owners	$271	$46
Travelers	$271	$46
Nationwide	$330	$56
Farmers	$363	$60
Grange	$427	$73
Cincinnati	$453	$75
Allstate	$492	$83

Cheapest Full Coverage Car Insurance in Fruit Hill

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 Fruit Hill is American Family at $44 per month and $259 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fruit Hill, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$259	$44
Auto-Owners Insurance Co	$414	$69
Travelers	$647	$110
State Farm	$661	$110
Hastings Mutual	$674	$114
USAA	$680	$114
Erie	$705	$119
Nationwide	$744	$125
Central Mutual	$784	$133
Progressive	$815	$137
Auto-Owners	$881	$149
Farmers	$958	$160
Westfield	$1127	$192
Cincinnati	$1178	$196
Grange	$1198	$204
Allstate	$1243	$209

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Average Car Insurance in Fruit Hill 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 Fruit Hill, OH increasing?

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

Car Insurance Premiums by Age in Fruit Hill

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	$619
30s	USAA	$438
40s	USAA	$397
50s	USAA	$367
60s	USAA	$386
70s	USAA	$468

Cheapest Car Insurance Rates for Teen Drivers in Fruit Hill,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Fruit Hill at $24 per month. At $4532 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$143	$24
USAA	$874	$147
Erie	$1004	$169
Travelers	$1172	$197
Westfield	$1308	$220
Progressive	$1885	$317
Nationwide	$2402	$404
Auto-Owners	$2564	$427
Allstate	$2623	$441
State Farm	$2687	$448
Cincinnati	$3405	$579
Grange	$3438	$573
Farmers	$4532	$771

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 Fruit Hill.

As young drivers face the highest rates in Fruit Hill, USAA offers the cheapest auto insurance rates at $619 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 Fruit Hill, American Family is the cheapest car insurance provider. At $220 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 Fruit Hill is AutoOwners, offering rates of around $2460 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$220	$37
Progressive	$810	$136
Nationwide	$932	$157
USAA	$952	$159
Grange	$965	$162
Erie	$984	$166
Westfield	$1152	$194
Cincinnati	$1781	$296
Allstate	$2123	$361
Auto-Owners	$2460	$410

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

Car Insurance Rates with An Accident in Fruit Hill

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

Cheapest Car Insurance Companies after an At-Fault Accident in Fruit Hill

The cheapest car insurance companies after an at-fault accident in Fruit Hill include Central Mutual and American Family, offering $149 and $168, respectively. State Farm is an expensive provider with an average six-month premium of $4973.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$149	$25
American Family	$168	$28
Auto-Owners Insurance Co	$259	$44
Erie	$460	$77
Westfield	$687	$116
Nationwide	$932	$157
Travelers	$997	$168
USAA	$1347	$227
Auto-Owners	$1398	$235
Grange	$1469	$250
Progressive	$2136	$360
Cincinnati	$2195	$373
Allstate	$2616	$440
State Farm	$4973	$846

Fruit Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fruit Hill OH. For example, the car insurance in Fruit Hill after a DUI increases to $757 for a six month policy. While the rate increases by $168 for a six-month policy in the case of a speeding ticket.

Fruit Hill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$797	$133
One Med/PIP claim	$815	$138
Not-at-fault accident	$828	$138
One comp claim	$848	$144
Two Med/PIP claims	$848	$142
Two comp claims	$887	$150
Failure to show documents	$894	$149
Driving without lights	$913	$155
Failure to wear a seat belt	$913	$153
Child safety restraint	$932	$158
Driving with expired registration	$932	$156
Driving too slowly	$965	$164
Speeding 11 - 15 MPH over limit	$965	$161
Speeding 6 - 10 MPH over limit	$965	$164
Speeding in school zone	$965	$161
Cell phone violation	$971	$166
Failure to yield	$971	$162
Following too closely	$971	$166
Illegal turn	$971	$162
Texting while driving	$971	$166
Wrong way/wrong lane	$971	$162
Failure to stop at a red light	$978	$167
Improper passing	$984	$164
Speeding 16 - 20 MPH over limit	$984	$168
At-fault accident - less than $1000	$1017	$169
Passing school bus	$1024	$174
Speeding 21 - 25 MPH over limit	$1049	$174
In 65 MPH zone	$1062	$181
At-fault accident - $1000-$2000	$1172	$195
At-fault accident - greater than $2000	$1178	$201
Open container	$1178	$196
Operating a vehicle without permission	$1185	$202
Reckless driving	$1502	$251
Racing	$1528	$259
Refusal to submit to a chemical test	$1528	$255
Driving with a suspended license	$1541	$262
DUI	$1554	$259
Leaving scene of an accident/hit and run	$1599	$271

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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 Fruit Hill 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 Fruit Hill.

The cheapest car insurance premiums in Fruit Hill are offered by American Family at $168 for a six-month policy. However, it can be as expensive as $2881 with companies like Cincinnati.

Fruit Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$168	$28
Travelers	$537	$90
Progressive	$647	$109
Erie	$667	$112
USAA	$758	$128
State Farm	$1042	$178
Nationwide	$1191	$201
Farmers	$1295	$220
Auto-Owners	$1664	$277
Allstate	$1703	$287
Grange	$1923	$320
Westfield	$2499	$425
Cincinnati	$2881	$481

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 Fruit Hill are offered by American Family at $168. However, it can be as expensive as $1716 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Fruit Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$168	$28
Auto-Owners Insurance Co	$168	$28
Erie	$480	$81
Progressive	$667	$112
USAA	$687	$114
Westfield	$771	$130
Nationwide	$777	$131
Auto-Owners	$881	$149
Cincinnati	$1392	$232
Allstate	$1625	$277
Grange	$1716	$286

Car Insurance Price Trends in Fruit Hill, Ohio

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

The average cost of full coverage in the Fruit Hill rose by $162 in January compared to $130 of December. In other words, there has been an increase by $32 when you compare January and December.

The average cost of liability insurance in the Fruit Hill rose to $43 in January, compared to $39 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Fruit Hill?

The car insurance in Fruit Hill is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Fruit Hill?

The cheapest car insurance in Fruit Hill is $44 per month for full coverage.

How much is car insurance in Fruit Hill for teenagers?

Car insurance for teenagers costs $143 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 Fruit Hill?

The average cost of car insurance is $743 for a six-month policy. It will cost around $136 per month to insure your car in Fruit Hill.

Is car insurance expensive in Fruit Hill?

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

Cheapest Car Insurance Quotes in Fruit Hill

Why you can trust Way?

How Much Is Car Insurance in Fruit Hill

Avg. Car Insurance in Fruit Hill

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Fruit Hill

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Fruit Hill Car Insurance Rates by Company

Cheap Car Insurance Companies in Fruit Hill, OH

Way's key takeaways about car insurance in Fruit Hill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fruit Hill

Cheapest Liability Coverage in Fruit Hill, OH

Cheapest Full Coverage Car Insurance in Fruit Hill

Cheapest Full Coverage Car Insurance Quotes in Fruit Hill, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fruit Hill by Rating Factor

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

Car Insurance Premiums by Age in Fruit Hill

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fruit Hill,OH

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

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 Fruit Hill

Cheapest Car Insurance Companies after an At-Fault Accident in Fruit Hill

Fruit Hill Car Insurance Rates by Violation

Fruit Hill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fruit Hill after a DUI

Fruit Hill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fruit Hill after Speeding ticket

Car Insurance Price Trends in Fruit Hill, Ohio

Average Car Insurance Cost in Fruit Hill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fruit Hill, OH

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

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