Cheapest Car Insurance Quotes in Harpster

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Harpster Car Insurance

^$ 18

/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 Harpster

The car insurance rate in Harpster is $654 for a six-month policy, which is $89 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $209, making it a popular choice for budget-conscious drivers. Rates in Harpster 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 Harpster

$654

Avg. Car Insurance in Ohio

$743

National Average

$1278

Cheapest Car Insurance Companies in Harpster

1st place: American Family

At $209 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 $334 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $523 for six months, making it the third cheapest auto insurance company in Harpster.

Harpster Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Harpster, OH is American Family, offering policies at just $209 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $334.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1003 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Harpster drivers find the best deals.

Cheap Car Insurance Companies in Harpster, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$209	$35
Auto-Owners Insurance Co	$334	$55
Travelers	$523	$89
State Farm	$533	$89
Hastings Mutual	$544	$92
USAA	$549	$92
Erie	$569	$96
Nationwide	$601	$101
Central Mutual	$633	$107
Progressive	$658	$111
Auto-Owners	$711	$121
Farmers	$774	$129
Westfield	$910	$155
Cincinnati	$951	$158
Grange	$967	$165
Allstate	$1003	$169

Key Takeaways

Way's key takeaways about car insurance in Harpster

The auto insurance costs in Harpster fall around $209 for six months.
The cheapest auto insurance company in Harpster is American Family.
Teen drivers pay the highest rate in Harpster at $622 per month.

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Cheapest Minimum Liability Car Insurance in Harpster

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 Harpster are given below.

American Family provides the cheapest minimum car insurance coverage in Harpster. Their Average 6 Month Premium is $110. Allstate is the most expensive at $397 for the same period.

Cheapest Liability Coverage in Harpster, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$110	$18
Central Mutual	$121	$20
Auto-Owners Insurance Co	$131	$22
USAA	$151	$26
Erie	$162	$27
Westfield	$162	$27
State Farm	$172	$29
Progressive	$199	$33
Auto-Owners	$219	$37
Travelers	$219	$37
Nationwide	$267	$45
Farmers	$293	$48
Grange	$345	$59
Cincinnati	$366	$61
Allstate	$397	$67

Cheapest Full Coverage Car Insurance in Harpster

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 Harpster is American Family at $35 per month and $209 for six months.

Cheapest Full Coverage Car Insurance Quotes in Harpster, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$209	$35
Auto-Owners Insurance Co	$334	$55
Travelers	$523	$89
State Farm	$533	$89
Hastings Mutual	$544	$92
USAA	$549	$92
Erie	$569	$96
Nationwide	$601	$101
Central Mutual	$633	$107
Progressive	$658	$111
Auto-Owners	$711	$121
Farmers	$774	$129
Westfield	$910	$155
Cincinnati	$951	$158
Grange	$967	$165
Allstate	$1003	$169

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Average Car Insurance in Harpster 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 Harpster, OH increasing?

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

Car Insurance Premiums by Age in Harpster

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	$500
30s	USAA	$354
40s	USAA	$320
50s	USAA	$297
60s	USAA	$312
70s	USAA	$378

Cheapest Car Insurance Rates for Teen Drivers in Harpster,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Harpster at $19 per month. At $3659 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$115	$19
USAA	$706	$119
Erie	$810	$136
Travelers	$946	$159
Westfield	$1056	$178
Progressive	$1522	$256
Nationwide	$1940	$326
Auto-Owners	$2070	$345
Allstate	$2117	$356
State Farm	$2169	$362
Cincinnati	$2749	$467
Grange	$2776	$463
Farmers	$3659	$622

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 Harpster.

As young drivers face the highest rates in Harpster, USAA offers the cheapest auto insurance rates at $500 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 Harpster, American Family is the cheapest car insurance provider. At $178 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 Harpster is AutoOwners, offering rates of around $1986 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$178	$30
Progressive	$654	$110
Nationwide	$752	$127
USAA	$768	$128
Grange	$779	$131
Erie	$795	$134
Westfield	$930	$157
Cincinnati	$1438	$239
Allstate	$1714	$291
Auto-Owners	$1986	$331

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Harpster

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

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

The cheapest car insurance companies after an at-fault accident in Harpster include Central Mutual and American Family, offering $121 and $136, respectively. State Farm is an expensive provider with an average six-month premium of $4015.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$121	$20
American Family	$136	$23
Auto-Owners Insurance Co	$209	$35
Erie	$371	$62
Westfield	$554	$93
Nationwide	$752	$127
Travelers	$805	$136
USAA	$1088	$183
Auto-Owners	$1129	$190
Grange	$1186	$202
Progressive	$1725	$290
Cincinnati	$1772	$301
Allstate	$2112	$356
State Farm	$4015	$683

Harpster Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Harpster OH. For example, the car insurance in Harpster after a DUI increases to $612 for a six month policy. While the rate increases by $136 for a six-month policy in the case of a speeding ticket.

Harpster auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$643	$107
One Med/PIP claim	$658	$112
Not-at-fault accident	$669	$112
One comp claim	$685	$116
Two Med/PIP claims	$685	$114
Two comp claims	$716	$121
Failure to show documents	$722	$121
Driving without lights	$737	$125
Failure to wear a seat belt	$737	$123
Child safety restraint	$752	$128
Driving with expired registration	$752	$126
Driving too slowly	$779	$132
Speeding 11 - 15 MPH over limit	$779	$130
Speeding 6 - 10 MPH over limit	$779	$132
Speeding in school zone	$779	$130
Cell phone violation	$784	$134
Failure to yield	$784	$131
Following too closely	$784	$134
Illegal turn	$784	$131
Texting while driving	$784	$134
Wrong way/wrong lane	$784	$131
Failure to stop at a red light	$789	$135
Improper passing	$795	$132
Speeding 16 - 20 MPH over limit	$795	$136
At-fault accident - less than $1000	$821	$136
Passing school bus	$826	$141
Speeding 21 - 25 MPH over limit	$847	$141
In 65 MPH zone	$857	$146
At-fault accident - $1000-$2000	$946	$158
At-fault accident - greater than $2000	$951	$162
Open container	$951	$158
Operating a vehicle without permission	$957	$163
Reckless driving	$1213	$202
Racing	$1234	$209
Refusal to submit to a chemical test	$1234	$206
Driving with a suspended license	$1244	$211
DUI	$1255	$209
Leaving scene of an accident/hit and run	$1291	$219

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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 Harpster 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 Harpster.

The cheapest car insurance premiums in Harpster are offered by American Family at $136 for a six-month policy. However, it can be as expensive as $2326 with companies like Cincinnati.

Harpster car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$136	$23
Travelers	$434	$73
Progressive	$523	$88
Erie	$539	$91
USAA	$612	$103
State Farm	$841	$143
Nationwide	$962	$162
Farmers	$1045	$178
Auto-Owners	$1344	$224
Allstate	$1375	$231
Grange	$1552	$259
Westfield	$2018	$343
Cincinnati	$2326	$388

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 Harpster are offered by American Family at $136. However, it can be as expensive as $1385 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Harpster after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$136	$23
Auto-Owners Insurance Co	$136	$23
Erie	$387	$65
Progressive	$539	$91
USAA	$554	$92
Westfield	$622	$105
Nationwide	$627	$106
Auto-Owners	$711	$121
Cincinnati	$1124	$187
Allstate	$1312	$224
Grange	$1385	$231

Car Insurance Price Trends in Harpster, Ohio

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

The average cost of full coverage in the Harpster rose by $131 in January compared to $105 of December. In other words, there has been an increase by $26 when you compare January and December.

The average cost of liability insurance in the Harpster rose to $34 in January, compared to $32 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Harpster?

The car insurance in Harpster is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Harpster?

The cheapest car insurance in Harpster is $35 per month for full coverage.

How much is car insurance in Harpster for teenagers?

Car insurance for teenagers costs $115 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 Harpster?

The average cost of car insurance is $743 for a six-month policy. It will cost around $110 per month to insure your car in Harpster.

Is car insurance expensive in Harpster?

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

Cheapest Car Insurance Quotes in Harpster

Why you can trust Way?

How Much Is Car Insurance in Harpster

Avg. Car Insurance in Harpster

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Harpster

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Harpster Car Insurance Rates by Company

Cheap Car Insurance Companies in Harpster, OH

Way's key takeaways about car insurance in Harpster

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Harpster

Cheapest Liability Coverage in Harpster, OH

Cheapest Full Coverage Car Insurance in Harpster

Cheapest Full Coverage Car Insurance Quotes in Harpster, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Harpster by Rating Factor

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

Car Insurance Premiums by Age in Harpster

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Harpster,OH

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

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 Harpster

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

Harpster Car Insurance Rates by Violation

Harpster auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Harpster after a DUI

Harpster car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Harpster after Speeding ticket

Car Insurance Price Trends in Harpster, Ohio

Average Car Insurance Cost in Harpster by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Harpster, OH

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

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