Cheapest Car Insurance Quotes in Garfield Heights

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Garfield Heights Car Insurance

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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 Garfield Heights

The car insurance rate in Garfield Heights is $768 for a six-month policy, which is $100 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $274, making it a popular choice for budget-conscious drivers. Rates in Garfield Heights 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 Garfield Heights

$768

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Garfield Heights

1st place: American Family

At $274 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 $437 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $683 for six months, making it the third cheapest auto insurance company in Garfield Heights.

Garfield Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Garfield Heights, OH is American Family, offering policies at just $274 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $437.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $874 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Garfield Heights drivers find the best deals.

Cheap Car Insurance Companies in Garfield Heights, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$274	$46
Auto-Owners Insurance Co	$437	$72
Travelers	$683	$116
Erie	$690	$116
State Farm	$697	$118
USAA	$697	$117
Hastings Mutual	$711	$121
Nationwide	$718	$121
Central Mutual	$827	$140
Progressive	$834	$140
Farmers	$1011	$171
Grange	$1080	$179
Allstate	$1236	$208
Westfield	$874	$148

Key Takeaways

Way's key takeaways about car insurance in Garfield Heights

The auto insurance costs in Garfield Heights fall around $274 for six months.
The cheapest auto insurance company in Garfield Heights is American Family.
Teen drivers pay the highest rate in Garfield Heights at $813 per month.

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Cheapest Minimum Liability Car Insurance in Garfield Heights

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 Garfield Heights are given below.

American Family provides the cheapest minimum car insurance coverage in Garfield Heights. Their Average 6 Month Premium is $144. Allstate is the most expensive at $519 for the same period.

Cheapest Liability Coverage in Garfield Heights, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$144	$24
Central Mutual	$158	$26
Auto-Owners Insurance Co	$171	$29
Westfield	$177	$30
USAA	$184	$31
Erie	$205	$35
State Farm	$225	$38
Progressive	$246	$41
Nationwide	$274	$46
Travelers	$286	$48
Auto-Owners	$300	$51
Farmers	$383	$66
Grange	$416	$69
Allstate	$519	$87

Cheapest Full Coverage Car Insurance in Garfield Heights

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 Garfield Heights is American Family at $46 per month and $274 for six months.

Cheapest Full Coverage Car Insurance Quotes in Garfield Heights, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$274	$46
Auto-Owners Insurance Co	$437	$72
Travelers	$683	$116
Erie	$690	$116
State Farm	$697	$118
USAA	$697	$117
Hastings Mutual	$711	$121
Nationwide	$718	$121
Central Mutual	$827	$140
Progressive	$834	$140
Farmers	$1011	$171
Grange	$1080	$179
Allstate	$1236	$208
Westfield	$874	$148

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Average Car Insurance in Garfield Heights 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 Garfield Heights, OH increasing?

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

Car Insurance Premiums by Age in Garfield Heights

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	$620
30s	USAA	$438
40s	USAA	$398
50s	USAA	$368
60s	USAA	$386
70s	USAA	$468

Cheapest Car Insurance Rates for Teen Drivers in Garfield Heights,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Garfield Heights at $25 per month. At $4782 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$151	$25
Westfield	$184	$31
USAA	$950	$160
Erie	$1011	$170
Travelers	$1236	$208
Nationwide	$1926	$324
Progressive	$1933	$325
Allstate	$2630	$443
State Farm	$2835	$482
Grange	$3129	$521
Farmers	$4782	$813

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 Garfield Heights.

As young drivers face the highest rates in Garfield Heights, USAA offers the cheapest auto insurance rates at $620 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 Garfield Heights, American Family is the cheapest car insurance provider. At $232 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 Garfield Heights is Allstate, offering rates of around $1975 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$232	$39
Westfield	$293	$49
Nationwide	$779	$131
Erie	$806	$136
Progressive	$806	$136
USAA	$874	$146
Grange	$895	$151
Allstate	$1975	$329

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

Car Insurance Rates with An Accident in Garfield Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in Garfield Heights

The cheapest car insurance companies after an at-fault accident in Garfield Heights include Central Mutual and American Family, offering $158 and $177, respectively. Frankenmuth is an expensive provider with an average six-month premium of $281.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$158	$26
American Family	$177	$30
Auto-Owners Insurance Co	$274	$46
Westfield	$274	$46
Erie	$376	$63
Nationwide	$785	$132
Travelers	$1052	$177
Grange	$1318	$224
USAA	$1387	$233
Auto-Owners	$1564	$263
Progressive	$2214	$373
Allstate	$2609	$439
State Farm	$5246	$874
Frankenmuth	$281	$47

Garfield Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Garfield Heights OH. For example, the car insurance in Garfield Heights after a DUI increases to $799 for a six month policy. While the rate increases by $177 for a six-month policy in the case of a speeding ticket.

Garfield Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$841	$140
One Med/PIP claim	$860	$146
Not-at-fault accident	$874	$146
One comp claim	$895	$152
Two Med/PIP claims	$895	$150
Two comp claims	$936	$159
Failure to show documents	$943	$158
Driving without lights	$964	$163
Failure to wear a seat belt	$964	$161
Child safety restraint	$983	$167
Driving with expired registration	$983	$164
Driving too slowly	$1018	$173
Speeding 11 - 15 MPH over limit	$1018	$170
Speeding 6 - 10 MPH over limit	$1018	$173
Speeding in school zone	$1018	$170
Cell phone violation	$1025	$175
Failure to yield	$1025	$171
Following too closely	$1025	$175
Illegal turn	$1025	$171
Texting while driving	$1025	$175
Wrong way/wrong lane	$1025	$171
Failure to stop at a red light	$1032	$176
Improper passing	$1038	$173
Speeding 16 - 20 MPH over limit	$1038	$177
At-fault accident - less than $1000	$1073	$178
Passing school bus	$1080	$184
Speeding 21 - 25 MPH over limit	$1106	$184
In 65 MPH zone	$1120	$191
At-fault accident - $1000-$2000	$1236	$206
At-fault accident - greater than $2000	$1243	$212
Open container	$1243	$207
Operating a vehicle without permission	$1250	$213
Reckless driving	$1585	$265
Racing	$1612	$274
Refusal to submit to a chemical test	$1612	$269
Driving with a suspended license	$1626	$276
DUI	$1640	$274
Leaving scene of an accident/hit and run	$1687	$286

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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 Garfield Heights 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 Garfield Heights.

The cheapest car insurance premiums in Garfield Heights are offered by American Family at $177 for a six-month policy. However, it can be as expensive as $1728 with companies like Grange.

Garfield Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$177	$30
Erie	$532	$90
Travelers	$567	$95
Progressive	$662	$112
USAA	$690	$116
Nationwide	$1004	$169
State Farm	$1099	$187
Farmers	$1366	$228
Allstate	$1673	$282
Grange	$1728	$288

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 Garfield Heights are offered by American Family at $177. However, it can be as expensive as $1550 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Garfield Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$177	$30
Auto-Owners Insurance Co	$177	$30
Westfield	$191	$32
Erie	$397	$67
USAA	$628	$105
Nationwide	$656	$110
Progressive	$690	$116
Allstate	$1503	$255
Grange	$1550	$259

Car Insurance Price Trends in Garfield Heights, Ohio

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

The average cost of full coverage in the Garfield Heights rose by $137 in December compared to $133 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Garfield Heights rose to $41 in December, compared to $40 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 Garfield Heights?

The car insurance in Garfield Heights is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Garfield Heights?

The cheapest car insurance in Garfield Heights is $46 per month for full coverage.

How much is car insurance in Garfield Heights for teenagers?

Car insurance for teenagers costs $151 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 Garfield Heights?

The average cost of car insurance is $668 for a six-month policy. It will cost around $129 per month to insure your car in Garfield Heights.

Is car insurance expensive in Garfield Heights?

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

Cheapest Car Insurance Quotes in Garfield Heights

Why you can trust Way?

How Much Is Car Insurance in Garfield Heights

Avg. Car Insurance in Garfield Heights

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Garfield Heights

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Garfield Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Garfield Heights, OH

Way's key takeaways about car insurance in Garfield Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Garfield Heights

Cheapest Liability Coverage in Garfield Heights, OH

Cheapest Full Coverage Car Insurance in Garfield Heights

Cheapest Full Coverage Car Insurance Quotes in Garfield Heights, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Garfield Heights by Rating Factor

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

Car Insurance Premiums by Age in Garfield Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Garfield Heights,OH

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

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 Garfield Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Garfield Heights

Garfield Heights Car Insurance Rates by Violation

Garfield Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Garfield Heights after a DUI

Garfield Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Garfield Heights after Speeding ticket

Car Insurance Price Trends in Garfield Heights, Ohio

Average Car Insurance Cost in Garfield Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Garfield Heights, OH

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

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