Cheapest Car Insurance Quotes in Highland Hills

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Highland Hills Car Insurance

^$ 25

/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 Highland Hills

The car insurance rate in Highland Hills is $788 for a six-month policy, which is $120 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $281, making it a popular choice for budget-conscious drivers. Rates in Highland Hills 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 Highland Hills

$788

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Highland Hills

1st place: American Family

At $281 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 $448 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $701 for six months, making it the third cheapest auto insurance company in Highland Hills.

Highland Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Highland Hills, OH is American Family, offering policies at just $281 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $448.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $897 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Highland Hills drivers find the best deals.

Cheap Car Insurance Companies in Highland Hills, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$281	$47
Auto-Owners Insurance Co	$448	$74
Travelers	$701	$119
Erie	$708	$119
State Farm	$715	$122
USAA	$715	$120
Hastings Mutual	$729	$124
Nationwide	$736	$124
Central Mutual	$848	$144
Progressive	$856	$144
Farmers	$1037	$176
Grange	$1108	$184
Allstate	$1269	$214
Westfield	$897	$152

Key Takeaways

Way's key takeaways about car insurance in Highland Hills

The auto insurance costs in Highland Hills fall around $281 for six months.
The cheapest auto insurance company in Highland Hills is American Family.
Teen drivers pay the highest rate in Highland Hills at $834 per month.

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

Cheapest Minimum Liability Car Insurance in Highland Hills

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 Highland Hills are given below.

American Family provides the cheapest minimum car insurance coverage in Highland Hills. Their Average 6 Month Premium is $148. Allstate is the most expensive at $532 for the same period.

Cheapest Liability Coverage in Highland Hills, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$148	$25
Central Mutual	$162	$27
Auto-Owners Insurance Co	$176	$30
Westfield	$182	$31
USAA	$189	$32
Erie	$210	$35
State Farm	$231	$39
Progressive	$253	$42
Nationwide	$281	$47
Travelers	$294	$50
Auto-Owners	$308	$52
Farmers	$393	$67
Grange	$427	$71
Allstate	$532	$90

Cheapest Full Coverage Car Insurance in Highland Hills

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 Highland Hills is American Family at $47 per month and $281 for six months.

Cheapest Full Coverage Car Insurance Quotes in Highland Hills, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$281	$47
Auto-Owners Insurance Co	$448	$74
Travelers	$701	$119
Erie	$708	$119
State Farm	$715	$122
USAA	$715	$120
Hastings Mutual	$729	$124
Nationwide	$736	$124
Central Mutual	$848	$144
Progressive	$856	$144
Farmers	$1037	$176
Grange	$1108	$184
Allstate	$1269	$214
Westfield	$897	$152

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Average Car Insurance in Highland Hills 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 Highland Hills, OH increasing?

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

Car Insurance Premiums by Age in Highland Hills

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	$636
30s	USAA	$450
40s	USAA	$408
50s	USAA	$378
60s	USAA	$396
70s	USAA	$480

Cheapest Car Insurance Rates for Teen Drivers in Highland Hills,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Highland Hills at $26 per month. At $4906 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$155	$26
Westfield	$189	$32
USAA	$975	$164
Erie	$1037	$175
Travelers	$1269	$214
Nationwide	$1977	$333
Progressive	$1984	$334
Allstate	$2699	$454
State Farm	$2909	$494
Grange	$3211	$535
Farmers	$4906	$834

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 Highland Hills.

As young drivers face the highest rates in Highland Hills, USAA offers the cheapest auto insurance rates at $636 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 Highland Hills, American Family is the cheapest car insurance provider. At $238 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 Highland Hills is Allstate, offering rates of around $2026 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$238	$40
Westfield	$301	$51
Nationwide	$799	$135
Erie	$827	$139
Progressive	$827	$139
USAA	$897	$150
Grange	$918	$155
Allstate	$2026	$337

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Highland Hills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Highland Hills

The cheapest car insurance companies after an at-fault accident in Highland Hills include Central Mutual and American Family, offering $162 and $182, respectively. Frankenmuth is an expensive provider with an average six-month premium of $288.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$162	$27
American Family	$182	$31
Auto-Owners Insurance Co	$281	$47
Westfield	$281	$47
Erie	$386	$65
Nationwide	$806	$136
Travelers	$1080	$182
Grange	$1352	$230
USAA	$1423	$240
Auto-Owners	$1605	$270
Progressive	$2272	$382
Allstate	$2677	$451
State Farm	$5383	$897
Frankenmuth	$288	$48

Highland Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Highland Hills OH. For example, the car insurance in Highland Hills after a DUI increases to $820 for a six month policy. While the rate increases by $181 for a six-month policy in the case of a speeding ticket.

Highland Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$863	$144
One Med/PIP claim	$883	$150
Not-at-fault accident	$897	$150
One comp claim	$918	$156
Two Med/PIP claims	$918	$153
Two comp claims	$961	$163
Failure to show documents	$968	$162
Driving without lights	$989	$168
Failure to wear a seat belt	$989	$165
Child safety restraint	$1009	$171
Driving with expired registration	$1009	$169
Driving too slowly	$1044	$177
Speeding 11 - 15 MPH over limit	$1044	$175
Speeding 6 - 10 MPH over limit	$1044	$177
Speeding in school zone	$1044	$175
Cell phone violation	$1051	$179
Failure to yield	$1051	$176
Following too closely	$1051	$179
Illegal turn	$1051	$176
Texting while driving	$1051	$179
Wrong way/wrong lane	$1051	$176
Failure to stop at a red light	$1058	$181
Improper passing	$1066	$177
Speeding 16 - 20 MPH over limit	$1066	$182
At-fault accident - less than $1000	$1101	$183
Passing school bus	$1108	$189
Speeding 21 - 25 MPH over limit	$1135	$189
In 65 MPH zone	$1149	$196
At-fault accident - $1000-$2000	$1269	$211
At-fault accident - greater than $2000	$1276	$217
Open container	$1276	$212
Operating a vehicle without permission	$1283	$218
Reckless driving	$1626	$271
Racing	$1654	$281
Refusal to submit to a chemical test	$1654	$276
Driving with a suspended license	$1669	$283
DUI	$1683	$281
Leaving scene of an accident/hit and run	$1731	$294

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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 Highland Hills 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 Highland Hills.

The cheapest car insurance premiums in Highland Hills are offered by American Family at $182 for a six-month policy. However, it can be as expensive as $1774 with companies like Grange.

Highland Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$182	$31
Erie	$546	$92
Travelers	$582	$98
Progressive	$680	$114
USAA	$708	$119
Nationwide	$1030	$173
State Farm	$1128	$192
Farmers	$1402	$234
Allstate	$1717	$289
Grange	$1774	$295

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 Highland Hills are offered by American Family at $182. However, it can be as expensive as $1591 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Highland Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$182	$31
Auto-Owners Insurance Co	$182	$31
Westfield	$196	$33
Erie	$407	$68
USAA	$644	$107
Nationwide	$673	$113
Progressive	$708	$119
Allstate	$1542	$262
Grange	$1591	$266

Car Insurance Price Trends in Highland Hills, Ohio

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

The average cost of full coverage in the Highland Hills rose by $140 in December compared to $137 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 Highland Hills rose to $42 in December, compared to $41 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 Highland Hills?

The car insurance in Highland Hills is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Highland Hills?

The cheapest car insurance in Highland Hills is $47 per month for full coverage.

How much is car insurance in Highland Hills for teenagers?

Car insurance for teenagers costs $155 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 Highland Hills?

The average cost of car insurance is $668 for a six-month policy. It will cost around $132 per month to insure your car in Highland Hills.

Is car insurance expensive in Highland Hills?

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

Cheapest Car Insurance Quotes in Highland Hills

Why you can trust Way?

How Much Is Car Insurance in Highland Hills

Avg. Car Insurance in Highland Hills

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Highland Hills

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Highland Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Highland Hills, OH

Way's key takeaways about car insurance in Highland Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Highland Hills

Cheapest Liability Coverage in Highland Hills, OH

Cheapest Full Coverage Car Insurance in Highland Hills

Cheapest Full Coverage Car Insurance Quotes in Highland Hills, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Highland Hills by Rating Factor

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

Car Insurance Premiums by Age in Highland Hills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Highland Hills,OH

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

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 Highland Hills

Cheapest Car Insurance Companies after an At-Fault Accident in Highland Hills

Highland Hills Car Insurance Rates by Violation

Highland Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Highland Hills after a DUI

Highland Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Highland Hills after Speeding ticket

Car Insurance Price Trends in Highland Hills, Ohio

Average Car Insurance Cost in Highland Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Highland Hills, OH

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

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