Cheapest Car Insurance Quotes in Geneva-on-the-Lake

Finding the cheapest car insurance quotes in Geneva-on-the-Lake 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

Geneva-on-the-Lake 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 Geneva-on-the-Lake

The car insurance rate in Geneva-on-the-Lake is $648 for a six-month policy, which is $20 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $231, making it a popular choice for budget-conscious drivers. Rates in Geneva-on-the-Lake 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 Geneva-on-the-Lake

$648

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Geneva-on-the-Lake

1st place: American Family

At $231 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 $369 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $576 for six months, making it the third cheapest auto insurance company in Geneva-on-the-Lake.

Geneva-on-the-Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Geneva-on-the-Lake, OH is American Family, offering policies at just $231 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $369.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $737 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Geneva-on-the-Lake drivers find the best deals.

Cheap Car Insurance Companies in Geneva-on-the-Lake, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$231	$39
Auto-Owners Insurance Co	$369	$61
Travelers	$576	$98
Erie	$582	$98
State Farm	$588	$100
USAA	$588	$99
Hastings Mutual	$599	$102
Nationwide	$605	$102
Central Mutual	$697	$118
Progressive	$703	$118
Farmers	$853	$145
Grange	$911	$151
Allstate	$1043	$176
Westfield	$737	$125

Key Takeaways

Way's key takeaways about car insurance in Geneva-on-the-Lake

The auto insurance costs in Geneva-on-the-Lake fall around $231 for six months.
The cheapest auto insurance company in Geneva-on-the-Lake is American Family.
Teen drivers pay the highest rate in Geneva-on-the-Lake at $686 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 Geneva-on-the-Lake

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 Geneva-on-the-Lake are given below.

American Family provides the cheapest minimum car insurance coverage in Geneva-on-the-Lake. Their Average 6 Month Premium is $121. Allstate is the most expensive at $437 for the same period.

Cheapest Liability Coverage in Geneva-on-the-Lake, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$121	$20
Central Mutual	$133	$22
Auto-Owners Insurance Co	$145	$24
Westfield	$149	$25
USAA	$155	$26
Erie	$173	$29
State Farm	$190	$32
Progressive	$208	$35
Nationwide	$231	$39
Travelers	$242	$41
Auto-Owners	$253	$43
Farmers	$323	$55
Grange	$351	$58
Allstate	$437	$74

Cheapest Full Coverage Car Insurance in Geneva-on-the-Lake

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 Geneva-on-the-Lake is American Family at $39 per month and $231 for six months.

Cheapest Full Coverage Car Insurance Quotes in Geneva-on-the-Lake, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$231	$39
Auto-Owners Insurance Co	$369	$61
Travelers	$576	$98
Erie	$582	$98
State Farm	$588	$100
USAA	$588	$99
Hastings Mutual	$599	$102
Nationwide	$605	$102
Central Mutual	$697	$118
Progressive	$703	$118
Farmers	$853	$145
Grange	$911	$151
Allstate	$1043	$176
Westfield	$737	$125

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Geneva-on-the-Lake Instantly!

Average Car Insurance in Geneva-on-the-Lake 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 Geneva-on-the-Lake, OH increasing?

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

Car Insurance Premiums by Age in Geneva-on-the-Lake

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	$523
30s	USAA	$370
40s	USAA	$336
50s	USAA	$310
60s	USAA	$326
70s	USAA	$395

Cheapest Car Insurance Rates for Teen Drivers in Geneva-on-the-Lake,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Geneva-on-the-Lake at $21 per month. At $4033 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$127	$21
Westfield	$155	$26
USAA	$801	$135
Erie	$853	$144
Travelers	$1043	$176
Nationwide	$1625	$274
Progressive	$1631	$275
Allstate	$2218	$373
State Farm	$2391	$406
Grange	$2639	$439
Farmers	$4033	$686

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 Geneva-on-the-Lake.

As young drivers face the highest rates in Geneva-on-the-Lake, USAA offers the cheapest auto insurance rates at $523 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 Geneva-on-the-Lake, American Family is the cheapest car insurance provider. At $196 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 Geneva-on-the-Lake is Allstate, offering rates of around $1665 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$196	$33
Westfield	$247	$42
Nationwide	$657	$111
Erie	$680	$114
Progressive	$680	$114
USAA	$737	$123
Grange	$755	$127
Allstate	$1665	$277

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Geneva-on-the-Lake.

Car Insurance Rates with An Accident in Geneva-on-the-Lake

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 Geneva-on-the-Lake, OH, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Geneva-on-the-Lake

The cheapest car insurance companies after an at-fault accident in Geneva-on-the-Lake include Central Mutual and American Family, offering $133 and $149, respectively. Frankenmuth is an expensive provider with an average six-month premium of $237.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$133	$22
American Family	$149	$25
Auto-Owners Insurance Co	$231	$39
Westfield	$231	$39
Erie	$317	$53
Nationwide	$663	$112
Travelers	$888	$149
Grange	$1112	$189
USAA	$1170	$197
Auto-Owners	$1319	$222
Progressive	$1867	$314
Allstate	$2201	$371
State Farm	$4425	$737
Frankenmuth	$237	$40

Geneva-on-the-Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Geneva-on-the-Lake OH. For example, the car insurance in Geneva-on-the-Lake after a DUI increases to $674 for a six month policy. While the rate increases by $149 for a six-month policy in the case of a speeding ticket.

Geneva-on-the-Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$709	$118
One Med/PIP claim	$726	$123
Not-at-fault accident	$737	$123
One comp claim	$755	$128
Two Med/PIP claims	$755	$126
Two comp claims	$790	$134
Failure to show documents	$795	$133
Driving without lights	$813	$138
Failure to wear a seat belt	$813	$136
Child safety restraint	$829	$141
Driving with expired registration	$829	$139
Driving too slowly	$858	$146
Speeding 11 - 15 MPH over limit	$858	$144
Speeding 6 - 10 MPH over limit	$858	$146
Speeding in school zone	$858	$144
Cell phone violation	$864	$147
Failure to yield	$864	$145
Following too closely	$864	$147
Illegal turn	$864	$145
Texting while driving	$864	$147
Wrong way/wrong lane	$864	$145
Failure to stop at a red light	$870	$148
Improper passing	$876	$146
Speeding 16 - 20 MPH over limit	$876	$149
At-fault accident - less than $1000	$905	$150
Passing school bus	$911	$155
Speeding 21 - 25 MPH over limit	$933	$155
In 65 MPH zone	$945	$161
At-fault accident - $1000-$2000	$1043	$174
At-fault accident - greater than $2000	$1049	$178
Open container	$1049	$175
Operating a vehicle without permission	$1054	$179
Reckless driving	$1337	$223
Racing	$1360	$231
Refusal to submit to a chemical test	$1360	$227
Driving with a suspended license	$1372	$233
DUI	$1383	$231
Leaving scene of an accident/hit and run	$1423	$242

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 Geneva-on-the-Lake 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 Geneva-on-the-Lake.

The cheapest car insurance premiums in Geneva-on-the-Lake are offered by American Family at $149 for a six-month policy. However, it can be as expensive as $1458 with companies like Grange.

Geneva-on-the-Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$149	$25
Erie	$449	$76
Travelers	$478	$81
Progressive	$559	$94
USAA	$582	$98
Nationwide	$847	$143
State Farm	$927	$158
Farmers	$1152	$192
Allstate	$1411	$238
Grange	$1458	$243

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 Geneva-on-the-Lake are offered by American Family at $149. However, it can be as expensive as $1308 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Geneva-on-the-Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$149	$25
Auto-Owners Insurance Co	$149	$25
Westfield	$161	$27
Erie	$335	$56
USAA	$530	$88
Nationwide	$553	$93
Progressive	$582	$98
Allstate	$1268	$215
Grange	$1308	$218

Car Insurance Price Trends in Geneva-on-the-Lake, Ohio

Car insurance rates in Geneva-on-the-Lake have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Geneva-on-the-Lake rose by $115 in December compared to $113 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 Geneva-on-the-Lake rose to $35 in December, compared to $34 in November. This represents an increase of $1 when comparing December and November.

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 Geneva-on-the-Lake?

The car insurance in Geneva-on-the-Lake is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Geneva-on-the-Lake?

The cheapest car insurance in Geneva-on-the-Lake is $39 per month for full coverage.

How much is car insurance in Geneva-on-the-Lake for teenagers?

Car insurance for teenagers costs $127 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 Geneva-on-the-Lake?

The average cost of car insurance is $668 for a six-month policy. It will cost around $109 per month to insure your car in Geneva-on-the-Lake.

Is car insurance expensive in Geneva-on-the-Lake?

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

Cheapest Car Insurance Quotes in Geneva-on-the-Lake

Why you can trust Way?

How Much Is Car Insurance in Geneva-on-the-Lake

Avg. Car Insurance in Geneva-on-the-Lake

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Geneva-on-the-Lake

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Geneva-on-the-Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Geneva-on-the-Lake, OH

Way's key takeaways about car insurance in Geneva-on-the-Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Geneva-on-the-Lake

Cheapest Liability Coverage in Geneva-on-the-Lake, OH

Cheapest Full Coverage Car Insurance in Geneva-on-the-Lake

Cheapest Full Coverage Car Insurance Quotes in Geneva-on-the-Lake, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Geneva-on-the-Lake by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Geneva-on-the-Lake, OH increasing?

Car Insurance Premiums by Age in Geneva-on-the-Lake

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Geneva-on-the-Lake,OH

If you are in your twenties USAA is the best choice for car insurance in Geneva-on-the-Lake.

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 Geneva-on-the-Lake

Cheapest Car Insurance Companies after an At-Fault Accident in Geneva-on-the-Lake

Geneva-on-the-Lake Car Insurance Rates by Violation

Geneva-on-the-Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Geneva-on-the-Lake after a DUI

Geneva-on-the-Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Geneva-on-the-Lake after Speeding ticket

Car Insurance Price Trends in Geneva-on-the-Lake, Ohio

Average Car Insurance Cost in Geneva-on-the-Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Geneva-on-the-Lake, OH

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

Featured Blogs

Data Sources