Cheapest Car Insurance Quotes in Helena

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Helena Car Insurance

^$ 17

/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 Helena

The car insurance rate in Helena is $617 for a six-month policy, which is $126 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $198, making it a popular choice for budget-conscious drivers. Rates in Helena 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 Helena

$617

Avg. Car Insurance in Ohio

$743

National Average

$1278

Cheapest Car Insurance Companies in Helena

1st place: American Family

At $198 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 $315 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $493 for six months, making it the third cheapest auto insurance company in Helena.

Helena Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Helena, OH is American Family, offering policies at just $198 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $315.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $946 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Helena drivers find the best deals.

Cheap Car Insurance Companies in Helena, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$198	$33
Auto-Owners Insurance Co	$315	$52
Travelers	$493	$84
State Farm	$503	$84
Hastings Mutual	$513	$87
USAA	$518	$87
Erie	$537	$90
Nationwide	$567	$95
Central Mutual	$597	$101
Progressive	$621	$105
Auto-Owners	$671	$114
Farmers	$730	$122
Westfield	$858	$146
Cincinnati	$897	$149
Grange	$912	$155
Allstate	$946	$159

Key Takeaways

Way's key takeaways about car insurance in Helena

The auto insurance costs in Helena fall around $198 for six months.
The cheapest auto insurance company in Helena is American Family.
Teen drivers pay the highest rate in Helena at $587 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Helena

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 Helena are given below.

American Family provides the cheapest minimum car insurance coverage in Helena. Their Average 6 Month Premium is $104. Allstate is the most expensive at $374 for the same period.

Cheapest Liability Coverage in Helena, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$104	$17
Central Mutual	$114	$19
Auto-Owners Insurance Co	$124	$21
USAA	$143	$24
Erie	$153	$26
Westfield	$153	$26
State Farm	$163	$27
Progressive	$188	$32
Auto-Owners	$207	$35
Travelers	$207	$35
Nationwide	$251	$42
Farmers	$276	$46
Grange	$325	$56
Cincinnati	$345	$57
Allstate	$374	$63

Cheapest Full Coverage Car Insurance in Helena

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 Helena is American Family at $33 per month and $198 for six months.

Cheapest Full Coverage Car Insurance Quotes in Helena, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$198	$33
Auto-Owners Insurance Co	$315	$52
Travelers	$493	$84
State Farm	$503	$84
Hastings Mutual	$513	$87
USAA	$518	$87
Erie	$537	$90
Nationwide	$567	$95
Central Mutual	$597	$101
Progressive	$621	$105
Auto-Owners	$671	$114
Farmers	$730	$122
Westfield	$858	$146
Cincinnati	$897	$149
Grange	$912	$155
Allstate	$946	$159

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Average Car Insurance in Helena 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 Helena, OH increasing?

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

Car Insurance Premiums by Age in Helena

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	$471
30s	USAA	$334
40s	USAA	$302
50s	USAA	$280
60s	USAA	$294
70s	USAA	$356

Cheapest Car Insurance Rates for Teen Drivers in Helena,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Helena at $18 per month. At $3451 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$109	$18
USAA	$666	$112
Erie	$764	$129
Travelers	$892	$150
Westfield	$996	$168
Progressive	$1435	$242
Nationwide	$1829	$308
Auto-Owners	$1952	$325
Allstate	$1997	$336
State Farm	$2046	$341
Cincinnati	$2593	$441
Grange	$2618	$437
Farmers	$3451	$587

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 Helena.

As young drivers face the highest rates in Helena, USAA offers the cheapest auto insurance rates at $471 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 Helena, American Family is the cheapest car insurance provider. At $168 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 Helena is AutoOwners, offering rates of around $1873 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$168	$28
Progressive	$617	$104
Nationwide	$710	$120
USAA	$725	$121
Grange	$735	$124
Erie	$749	$126
Westfield	$877	$148
Cincinnati	$1356	$226
Allstate	$1617	$275
Auto-Owners	$1873	$312

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

Car Insurance Rates with An Accident in Helena

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

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

The cheapest car insurance companies after an at-fault accident in Helena include Central Mutual and American Family, offering $114 and $128, respectively. State Farm is an expensive provider with an average six-month premium of $3786.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$114	$19
American Family	$128	$22
Auto-Owners Insurance Co	$198	$33
Erie	$350	$59
Westfield	$523	$88
Nationwide	$710	$120
Travelers	$759	$128
USAA	$1026	$173
Auto-Owners	$1065	$179
Grange	$1119	$190
Progressive	$1627	$274
Cincinnati	$1672	$284
Allstate	$1992	$335
State Farm	$3786	$644

Helena Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Helena OH. For example, the car insurance in Helena after a DUI increases to $577 for a six month policy. While the rate increases by $128 for a six-month policy in the case of a speeding ticket.

Helena auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$607	$101
One Med/PIP claim	$621	$105
Not-at-fault accident	$631	$105
One comp claim	$646	$110
Two Med/PIP claims	$646	$108
Two comp claims	$676	$115
Failure to show documents	$681	$114
Driving without lights	$696	$118
Failure to wear a seat belt	$696	$116
Child safety restraint	$710	$120
Driving with expired registration	$710	$119
Driving too slowly	$735	$125
Speeding 11 - 15 MPH over limit	$735	$123
Speeding 6 - 10 MPH over limit	$735	$125
Speeding in school zone	$735	$123
Cell phone violation	$740	$126
Failure to yield	$740	$124
Following too closely	$740	$126
Illegal turn	$740	$124
Texting while driving	$740	$126
Wrong way/wrong lane	$740	$124
Failure to stop at a red light	$745	$127
Improper passing	$749	$125
Speeding 16 - 20 MPH over limit	$749	$128
At-fault accident - less than $1000	$774	$129
Passing school bus	$779	$133
Speeding 21 - 25 MPH over limit	$798	$133
In 65 MPH zone	$808	$138
At-fault accident - $1000-$2000	$892	$149
At-fault accident - greater than $2000	$897	$153
Open container	$897	$149
Operating a vehicle without permission	$902	$154
Reckless driving	$1144	$191
Racing	$1164	$198
Refusal to submit to a chemical test	$1164	$194
Driving with a suspended license	$1174	$199
DUI	$1184	$198
Leaving scene of an accident/hit and run	$1218	$207

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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 Helena 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 Helena.

The cheapest car insurance premiums in Helena are offered by American Family at $128 for a six-month policy. However, it can be as expensive as $2194 with companies like Cincinnati.

Helena car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$128	$22
Travelers	$409	$69
Progressive	$493	$83
Erie	$508	$85
USAA	$577	$97
State Farm	$793	$135
Nationwide	$907	$153
Farmers	$986	$168
Auto-Owners	$1267	$211
Allstate	$1296	$218
Grange	$1464	$244
Westfield	$1903	$324
Cincinnati	$2194	$366

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 Helena are offered by American Family at $128. However, it can be as expensive as $1306 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Helena after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$128	$22
Auto-Owners Insurance Co	$128	$22
Erie	$365	$61
Progressive	$508	$85
USAA	$523	$87
Westfield	$587	$99
Nationwide	$592	$100
Auto-Owners	$671	$114
Cincinnati	$1060	$177
Allstate	$1238	$211
Grange	$1306	$217

Car Insurance Price Trends in Helena, Ohio

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

The average cost of full coverage in the Helena rose by $124 in January compared to $99 of December. In other words, there has been an increase by $25 when you compare January and December.

The average cost of liability insurance in the Helena rose to $32 in January, compared to $30 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 Helena?

The car insurance in Helena is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Helena?

The cheapest car insurance in Helena is $33 per month for full coverage.

How much is car insurance in Helena for teenagers?

Car insurance for teenagers costs $109 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 Helena?

The average cost of car insurance is $743 for a six-month policy. It will cost around $104 per month to insure your car in Helena.

Is car insurance expensive in Helena?

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

Cheapest Car Insurance Quotes in Helena

Why you can trust Way?

How Much Is Car Insurance in Helena

Avg. Car Insurance in Helena

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Helena

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Helena Car Insurance Rates by Company

Cheap Car Insurance Companies in Helena, OH

Way's key takeaways about car insurance in Helena

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Helena

Cheapest Liability Coverage in Helena, OH

Cheapest Full Coverage Car Insurance in Helena

Cheapest Full Coverage Car Insurance Quotes in Helena, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Helena by Rating Factor

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

Car Insurance Premiums by Age in Helena

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Helena,OH

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

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 Helena

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

Helena Car Insurance Rates by Violation

Helena auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Helena after a DUI

Helena car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Helena after Speeding ticket

Car Insurance Price Trends in Helena, Ohio

Average Car Insurance Cost in Helena by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Helena, OH

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

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