Cheapest Car Insurance Quotes in Haviland

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Haviland 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 Haviland

The car insurance rate in Haviland is $639 for a six-month policy, which is $104 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $205, making it a popular choice for budget-conscious drivers. Rates in Haviland 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 Haviland

$639

Avg. Car Insurance in Ohio

$743

National Average

$1278

Cheapest Car Insurance Companies in Haviland

1st place: American Family

At $205 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 $327 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $511 for six months, making it the third cheapest auto insurance company in Haviland.

Haviland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Haviland, OH is American Family, offering policies at just $205 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $327.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $980 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Haviland drivers find the best deals.

Cheap Car Insurance Companies in Haviland, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$205	$34
Auto-Owners Insurance Co	$327	$54
Travelers	$511	$87
State Farm	$521	$87
Hastings Mutual	$531	$90
USAA	$537	$90
Erie	$556	$94
Nationwide	$587	$99
Central Mutual	$618	$105
Progressive	$643	$108
Auto-Owners	$695	$118
Farmers	$756	$126
Westfield	$889	$151
Cincinnati	$930	$155
Grange	$945	$161
Allstate	$980	$165

Key Takeaways

Way's key takeaways about car insurance in Haviland

The auto insurance costs in Haviland fall around $205 for six months.
The cheapest auto insurance company in Haviland is American Family.
Teen drivers pay the highest rate in Haviland at $608 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 Haviland

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 Haviland are given below.

American Family provides the cheapest minimum car insurance coverage in Haviland. Their Average 6 Month Premium is $108. Allstate is the most expensive at $388 for the same period.

Cheapest Liability Coverage in Haviland, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$108	$18
Central Mutual	$118	$20
Auto-Owners Insurance Co	$128	$22
USAA	$148	$25
Erie	$158	$27
Westfield	$158	$27
State Farm	$169	$28
Progressive	$194	$33
Auto-Owners	$214	$36
Travelers	$214	$36
Nationwide	$261	$44
Farmers	$286	$47
Grange	$337	$58
Cincinnati	$358	$59
Allstate	$388	$65

Cheapest Full Coverage Car Insurance in Haviland

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 Haviland is American Family at $34 per month and $205 for six months.

Cheapest Full Coverage Car Insurance Quotes in Haviland, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$205	$34
Auto-Owners Insurance Co	$327	$54
Travelers	$511	$87
State Farm	$521	$87
Hastings Mutual	$531	$90
USAA	$537	$90
Erie	$556	$94
Nationwide	$587	$99
Central Mutual	$618	$105
Progressive	$643	$108
Auto-Owners	$695	$118
Farmers	$756	$126
Westfield	$889	$151
Cincinnati	$930	$155
Grange	$945	$161
Allstate	$980	$165

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Average Car Insurance in Haviland 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 Haviland, OH increasing?

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

Car Insurance Premiums by Age in Haviland

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	$488
30s	USAA	$346
40s	USAA	$313
50s	USAA	$290
60s	USAA	$304
70s	USAA	$369

Cheapest Car Insurance Rates for Teen Drivers in Haviland,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Haviland at $19 per month. At $3576 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$113	$19
USAA	$690	$116
Erie	$792	$133
Travelers	$925	$156
Westfield	$1032	$174
Progressive	$1487	$250
Nationwide	$1895	$319
Auto-Owners	$2023	$337
Allstate	$2069	$348
State Farm	$2120	$353
Cincinnati	$2687	$457
Grange	$2712	$452
Farmers	$3576	$608

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 Haviland.

As young drivers face the highest rates in Haviland, USAA offers the cheapest auto insurance rates at $488 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 Haviland, American Family is the cheapest car insurance provider. At $174 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 Haviland is AutoOwners, offering rates of around $1941 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$174	$29
Progressive	$639	$108
Nationwide	$735	$124
USAA	$751	$126
Grange	$761	$128
Erie	$777	$131
Westfield	$909	$153
Cincinnati	$1405	$234
Allstate	$1675	$285
Auto-Owners	$1941	$323

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Haviland

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

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

The cheapest car insurance companies after an at-fault accident in Haviland include Central Mutual and American Family, offering $118 and $132, respectively. State Farm is an expensive provider with an average six-month premium of $3923.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$118	$20
American Family	$132	$22
Auto-Owners Insurance Co	$205	$34
Erie	$363	$61
Westfield	$542	$91
Nationwide	$735	$124
Travelers	$787	$132
USAA	$1063	$179
Auto-Owners	$1103	$186
Grange	$1159	$197
Progressive	$1686	$284
Cincinnati	$1732	$294
Allstate	$2064	$347
State Farm	$3923	$667

Haviland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Haviland OH. For example, the car insurance in Haviland after a DUI increases to $597 for a six month policy. While the rate increases by $132 for a six-month policy in the case of a speeding ticket.

Haviland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$629	$105
One Med/PIP claim	$643	$109
Not-at-fault accident	$654	$109
One comp claim	$669	$114
Two Med/PIP claims	$669	$112
Two comp claims	$700	$119
Failure to show documents	$705	$118
Driving without lights	$721	$122
Failure to wear a seat belt	$721	$120
Child safety restraint	$735	$125
Driving with expired registration	$735	$123
Driving too slowly	$761	$129
Speeding 11 - 15 MPH over limit	$761	$127
Speeding 6 - 10 MPH over limit	$761	$129
Speeding in school zone	$761	$127
Cell phone violation	$766	$131
Failure to yield	$766	$128
Following too closely	$766	$131
Illegal turn	$766	$128
Texting while driving	$766	$131
Wrong way/wrong lane	$766	$128
Failure to stop at a red light	$771	$132
Improper passing	$777	$129
Speeding 16 - 20 MPH over limit	$777	$132
At-fault accident - less than $1000	$802	$133
Passing school bus	$808	$138
Speeding 21 - 25 MPH over limit	$827	$138
In 65 MPH zone	$838	$143
At-fault accident - $1000-$2000	$925	$154
At-fault accident - greater than $2000	$930	$158
Open container	$930	$155
Operating a vehicle without permission	$935	$159
Reckless driving	$1185	$198
Racing	$1206	$205
Refusal to submit to a chemical test	$1206	$201
Driving with a suspended license	$1216	$206
DUI	$1226	$205
Leaving scene of an accident/hit and run	$1262	$214

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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 Haviland 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 Haviland.

The cheapest car insurance premiums in Haviland are offered by American Family at $132 for a six-month policy. However, it can be as expensive as $2273 with companies like Cincinnati.

Haviland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$132	$22
Travelers	$424	$71
Progressive	$511	$86
Erie	$526	$89
USAA	$598	$101
State Farm	$822	$140
Nationwide	$940	$158
Farmers	$1022	$174
Auto-Owners	$1313	$218
Allstate	$1343	$226
Grange	$1517	$253
Westfield	$1972	$335
Cincinnati	$2273	$379

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 Haviland are offered by American Family at $132. However, it can be as expensive as $1354 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Haviland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$132	$22
Auto-Owners Insurance Co	$132	$22
Erie	$378	$64
Progressive	$526	$89
USAA	$542	$90
Westfield	$608	$102
Nationwide	$613	$103
Auto-Owners	$695	$118
Cincinnati	$1098	$183
Allstate	$1282	$218
Grange	$1354	$225

Car Insurance Price Trends in Haviland, Ohio

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

The average cost of full coverage in the Haviland rose by $128 in January compared to $102 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 Haviland rose to $34 in January, compared to $31 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Haviland?

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

What is the cheapest car insurance in Haviland?

The cheapest car insurance in Haviland is $34 per month for full coverage.

How much is car insurance in Haviland for teenagers?

Car insurance for teenagers costs $113 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 Haviland?

The average cost of car insurance is $743 for a six-month policy. It will cost around $108 per month to insure your car in Haviland.

Is car insurance expensive in Haviland?

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

Cheapest Car Insurance Quotes in Haviland

Why you can trust Way?

How Much Is Car Insurance in Haviland

Avg. Car Insurance in Haviland

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Haviland

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Haviland Car Insurance Rates by Company

Cheap Car Insurance Companies in Haviland, OH

Way's key takeaways about car insurance in Haviland

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Haviland

Cheapest Liability Coverage in Haviland, OH

Cheapest Full Coverage Car Insurance in Haviland

Cheapest Full Coverage Car Insurance Quotes in Haviland, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Haviland by Rating Factor

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

Car Insurance Premiums by Age in Haviland

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Haviland,OH

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

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 Haviland

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

Haviland Car Insurance Rates by Violation

Haviland auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Haviland after a DUI

Haviland car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Haviland after Speeding ticket

Car Insurance Price Trends in Haviland, Ohio

Average Car Insurance Cost in Haviland by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Haviland, OH

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

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