Cheapest Car Insurance Quotes in Hanoverton

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Hanoverton 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 Hanoverton

The car insurance rate in Hanoverton is $641 for a six-month policy, which is $27 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $228, making it a popular choice for budget-conscious drivers. Rates in Hanoverton 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 Hanoverton

$641

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Hanoverton

1st place: American Family

At $228 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 $365 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $570 for six months, making it the third cheapest auto insurance company in Hanoverton.

Hanoverton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hanoverton, OH is American Family, offering policies at just $228 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $365.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $730 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hanoverton drivers find the best deals.

Cheap Car Insurance Companies in Hanoverton, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$228	$38
Auto-Owners Insurance Co	$365	$60
Travelers	$570	$97
Erie	$576	$97
State Farm	$582	$99
USAA	$582	$98
Hastings Mutual	$593	$101
Nationwide	$599	$101
Central Mutual	$690	$117
Progressive	$696	$117
Farmers	$844	$143
Grange	$901	$150
Allstate	$1032	$174
Westfield	$730	$124

Key Takeaways

Way's key takeaways about car insurance in Hanoverton

The auto insurance costs in Hanoverton fall around $228 for six months.
The cheapest auto insurance company in Hanoverton is American Family.
Teen drivers pay the highest rate in Hanoverton at $679 per month.

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Cheapest Minimum Liability Car Insurance in Hanoverton

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 Hanoverton are given below.

American Family provides the cheapest minimum car insurance coverage in Hanoverton. Their Average 6 Month Premium is $120. Allstate is the most expensive at $433 for the same period.

Cheapest Liability Coverage in Hanoverton, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$120	$20
Central Mutual	$132	$22
Auto-Owners Insurance Co	$143	$24
Westfield	$148	$25
USAA	$154	$26
Erie	$171	$29
State Farm	$188	$32
Progressive	$205	$35
Nationwide	$228	$38
Travelers	$239	$40
Auto-Owners	$251	$42
Farmers	$320	$55
Grange	$348	$58
Allstate	$433	$73

Cheapest Full Coverage Car Insurance in Hanoverton

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 Hanoverton is American Family at $38 per month and $228 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hanoverton, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$228	$38
Auto-Owners Insurance Co	$365	$60
Travelers	$570	$97
Erie	$576	$97
State Farm	$582	$99
USAA	$582	$98
Hastings Mutual	$593	$101
Nationwide	$599	$101
Central Mutual	$690	$117
Progressive	$696	$117
Farmers	$844	$143
Grange	$901	$150
Allstate	$1032	$174
Westfield	$730	$124

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Average Car Insurance in Hanoverton 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 Hanoverton, OH increasing?

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

Car Insurance Premiums by Age in Hanoverton

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	$517
30s	USAA	$366
40s	USAA	$332
50s	USAA	$307
60s	USAA	$323
70s	USAA	$391

Cheapest Car Insurance Rates for Teen Drivers in Hanoverton,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Hanoverton at $21 per month. At $3992 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$126	$21
Westfield	$154	$26
USAA	$793	$133
Erie	$844	$142
Travelers	$1032	$174
Nationwide	$1608	$271
Progressive	$1614	$272
Allstate	$2196	$370
State Farm	$2366	$402
Grange	$2612	$435
Farmers	$3992	$679

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 Hanoverton.

As young drivers face the highest rates in Hanoverton, USAA offers the cheapest auto insurance rates at $517 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 Hanoverton, American Family is the cheapest car insurance provider. At $194 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 Hanoverton is Allstate, offering rates of around $1648 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$194	$33
Westfield	$245	$41
Nationwide	$650	$109
Erie	$673	$113
Progressive	$673	$113
USAA	$730	$122
Grange	$747	$126
Allstate	$1648	$275

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Car Insurance Rates with An Accident in Hanoverton

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

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

The cheapest car insurance companies after an at-fault accident in Hanoverton include Central Mutual and American Family, offering $132 and $148, respectively. Frankenmuth is an expensive provider with an average six-month premium of $234.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$132	$22
American Family	$148	$25
Auto-Owners Insurance Co	$228	$38
Westfield	$228	$38
Erie	$314	$53
Nationwide	$656	$110
Travelers	$878	$148
Grange	$1100	$187
USAA	$1158	$195
Auto-Owners	$1306	$220
Progressive	$1848	$311
Allstate	$2178	$367
State Farm	$4380	$730
Frankenmuth	$234	$39

Hanoverton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hanoverton OH. For example, the car insurance in Hanoverton after a DUI increases to $667 for a six month policy. While the rate increases by $148 for a six-month policy in the case of a speeding ticket.

Hanoverton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$702	$117
One Med/PIP claim	$718	$122
Not-at-fault accident	$730	$122
One comp claim	$747	$127
Two Med/PIP claims	$747	$125
Two comp claims	$781	$132
Failure to show documents	$787	$132
Driving without lights	$804	$136
Failure to wear a seat belt	$804	$134
Child safety restraint	$821	$139
Driving with expired registration	$821	$137
Driving too slowly	$850	$144
Speeding 11 - 15 MPH over limit	$850	$142
Speeding 6 - 10 MPH over limit	$850	$144
Speeding in school zone	$850	$142
Cell phone violation	$855	$146
Failure to yield	$855	$143
Following too closely	$855	$146
Illegal turn	$855	$143
Texting while driving	$855	$146
Wrong way/wrong lane	$855	$143
Failure to stop at a red light	$861	$147
Improper passing	$867	$144
Speeding 16 - 20 MPH over limit	$867	$148
At-fault accident - less than $1000	$896	$149
Passing school bus	$901	$154
Speeding 21 - 25 MPH over limit	$924	$154
In 65 MPH zone	$935	$159
At-fault accident - $1000-$2000	$1032	$172
At-fault accident - greater than $2000	$1038	$177
Open container	$1038	$173
Operating a vehicle without permission	$1044	$178
Reckless driving	$1323	$221
Racing	$1346	$228
Refusal to submit to a chemical test	$1346	$225
Driving with a suspended license	$1357	$230
DUI	$1369	$228
Leaving scene of an accident/hit and run	$1408	$239

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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 Hanoverton 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 Hanoverton.

The cheapest car insurance premiums in Hanoverton are offered by American Family at $148 for a six-month policy. However, it can be as expensive as $1443 with companies like Grange.

Hanoverton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$148	$25
Erie	$444	$75
Travelers	$473	$80
Progressive	$553	$93
USAA	$576	$97
Nationwide	$838	$141
State Farm	$918	$156
Farmers	$1140	$190
Allstate	$1397	$235
Grange	$1443	$240

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 Hanoverton are offered by American Family at $148. However, it can be as expensive as $1294 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Hanoverton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$148	$25
Auto-Owners Insurance Co	$148	$25
Westfield	$159	$27
Erie	$331	$56
USAA	$524	$87
Nationwide	$547	$92
Progressive	$576	$97
Allstate	$1255	$213
Grange	$1294	$216

Car Insurance Price Trends in Hanoverton, Ohio

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

The average cost of full coverage in the Hanoverton rose by $114 in December compared to $111 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 Hanoverton rose to $35 in December, compared to $34 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 Hanoverton?

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

What is the cheapest car insurance in Hanoverton?

The cheapest car insurance in Hanoverton is $38 per month for full coverage.

How much is car insurance in Hanoverton for teenagers?

Car insurance for teenagers costs $126 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 Hanoverton?

The average cost of car insurance is $668 for a six-month policy. It will cost around $108 per month to insure your car in Hanoverton.

Is car insurance expensive in Hanoverton?

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

Cheapest Car Insurance Quotes in Hanoverton

Why you can trust Way?

How Much Is Car Insurance in Hanoverton

Avg. Car Insurance in Hanoverton

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Hanoverton

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Hanoverton Car Insurance Rates by Company

Cheap Car Insurance Companies in Hanoverton, OH

Way's key takeaways about car insurance in Hanoverton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hanoverton

Cheapest Liability Coverage in Hanoverton, OH

Cheapest Full Coverage Car Insurance in Hanoverton

Cheapest Full Coverage Car Insurance Quotes in Hanoverton, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hanoverton by Rating Factor

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

Car Insurance Premiums by Age in Hanoverton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hanoverton,OH

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

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 Hanoverton

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

Hanoverton Car Insurance Rates by Violation

Hanoverton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hanoverton after a DUI

Hanoverton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hanoverton after Speeding ticket

Car Insurance Price Trends in Hanoverton, Ohio

Average Car Insurance Cost in Hanoverton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hanoverton, OH

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

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