Cheapest Car Insurance Quotes in Lake Darby

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Lake Darby Car Insurance

^$ 23

/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 Lake Darby

The car insurance rate in Lake Darby is $721 for a six-month policy, which is $53 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $257, making it a popular choice for budget-conscious drivers. Rates in Lake Darby 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 Lake Darby

$721

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Lake Darby

1st place: American Family

At $257 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 $410 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $642 for six months, making it the third cheapest auto insurance company in Lake Darby.

Lake Darby Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Darby, OH is American Family, offering policies at just $257 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $410.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $821 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Darby drivers find the best deals.

Cheap Car Insurance Companies in Lake Darby, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$257	$43
Auto-Owners Insurance Co	$410	$68
Travelers	$642	$109
Erie	$648	$109
State Farm	$654	$111
USAA	$654	$110
Hastings Mutual	$667	$113
Nationwide	$674	$113
Central Mutual	$777	$132
Progressive	$783	$132
Farmers	$949	$161
Grange	$1014	$168
Allstate	$1161	$195
Westfield	$821	$139

Key Takeaways

Way's key takeaways about car insurance in Lake Darby

The auto insurance costs in Lake Darby fall around $257 for six months.
The cheapest auto insurance company in Lake Darby is American Family.
Teen drivers pay the highest rate in Lake Darby at $764 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 Lake Darby

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 Lake Darby are given below.

American Family provides the cheapest minimum car insurance coverage in Lake Darby. Their Average 6 Month Premium is $135. Allstate is the most expensive at $487 for the same period.

Cheapest Liability Coverage in Lake Darby, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$135	$23
Central Mutual	$148	$25
Auto-Owners Insurance Co	$161	$27
Westfield	$166	$28
USAA	$173	$29
Erie	$192	$32
State Farm	$212	$36
Progressive	$231	$39
Nationwide	$257	$43
Travelers	$269	$45
Auto-Owners	$282	$48
Farmers	$360	$62
Grange	$391	$65
Allstate	$487	$82

Cheapest Full Coverage Car Insurance in Lake Darby

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 Lake Darby is American Family at $43 per month and $257 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Darby, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$257	$43
Auto-Owners Insurance Co	$410	$68
Travelers	$642	$109
Erie	$648	$109
State Farm	$654	$111
USAA	$654	$110
Hastings Mutual	$667	$113
Nationwide	$674	$113
Central Mutual	$777	$132
Progressive	$783	$132
Farmers	$949	$161
Grange	$1014	$168
Allstate	$1161	$195
Westfield	$821	$139

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Average Car Insurance in Lake Darby 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 Lake Darby, OH increasing?

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

Car Insurance Premiums by Age in Lake Darby

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	$582
30s	USAA	$411
40s	USAA	$374
50s	USAA	$346
60s	USAA	$363
70s	USAA	$440

Cheapest Car Insurance Rates for Teen Drivers in Lake Darby,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Lake Darby at $24 per month. At $4491 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$141	$24
Westfield	$173	$29
USAA	$892	$150
Erie	$949	$160
Travelers	$1161	$195
Nationwide	$1809	$305
Progressive	$1815	$306
Allstate	$2470	$416
State Farm	$2662	$453
Grange	$2939	$489
Farmers	$4491	$764

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 Lake Darby.

As young drivers face the highest rates in Lake Darby, USAA offers the cheapest auto insurance rates at $582 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 Lake Darby, American Family is the cheapest car insurance provider. At $218 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 Lake Darby is Allstate, offering rates of around $1854 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$218	$37
Westfield	$275	$46
Nationwide	$731	$123
Erie	$757	$127
Progressive	$757	$127
USAA	$821	$137
Grange	$840	$141
Allstate	$1854	$309

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Lake Darby

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Darby

The cheapest car insurance companies after an at-fault accident in Lake Darby include Central Mutual and American Family, offering $148 and $166, respectively. Frankenmuth is an expensive provider with an average six-month premium of $264.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$148	$25
American Family	$166	$28
Auto-Owners Insurance Co	$257	$43
Westfield	$257	$43
Erie	$353	$59
Nationwide	$738	$124
Travelers	$988	$166
Grange	$1238	$211
USAA	$1302	$219
Auto-Owners	$1469	$247
Progressive	$2079	$350
Allstate	$2451	$413
State Farm	$4927	$821
Frankenmuth	$264	$44

Lake Darby Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Darby OH. For example, the car insurance in Lake Darby after a DUI increases to $751 for a six month policy. While the rate increases by $167 for a six-month policy in the case of a speeding ticket.

Lake Darby auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$789	$132
One Med/PIP claim	$808	$137
Not-at-fault accident	$821	$137
One comp claim	$840	$143
Two Med/PIP claims	$840	$140
Two comp claims	$879	$149
Failure to show documents	$886	$148
Driving without lights	$905	$153
Failure to wear a seat belt	$905	$151
Child safety restraint	$923	$157
Driving with expired registration	$923	$154
Driving too slowly	$956	$162
Speeding 11 - 15 MPH over limit	$956	$160
Speeding 6 - 10 MPH over limit	$956	$162
Speeding in school zone	$956	$160
Cell phone violation	$962	$164
Failure to yield	$962	$161
Following too closely	$962	$164
Illegal turn	$962	$161
Texting while driving	$962	$164
Wrong way/wrong lane	$962	$161
Failure to stop at a red light	$969	$165
Improper passing	$975	$162
Speeding 16 - 20 MPH over limit	$975	$166
At-fault accident - less than $1000	$1008	$167
Passing school bus	$1014	$173
Speeding 21 - 25 MPH over limit	$1039	$173
In 65 MPH zone	$1052	$179
At-fault accident - $1000-$2000	$1161	$193
At-fault accident - greater than $2000	$1167	$199
Open container	$1167	$194
Operating a vehicle without permission	$1174	$200
Reckless driving	$1488	$248
Racing	$1514	$257
Refusal to submit to a chemical test	$1514	$253
Driving with a suspended license	$1527	$259
DUI	$1540	$257
Leaving scene of an accident/hit and run	$1584	$269

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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 Lake Darby 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 Lake Darby.

The cheapest car insurance premiums in Lake Darby are offered by American Family at $166 for a six-month policy. However, it can be as expensive as $1623 with companies like Grange.

Lake Darby car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$166	$28
Erie	$500	$84
Travelers	$532	$90
Progressive	$622	$105
USAA	$648	$109
Nationwide	$943	$159
State Farm	$1032	$176
Farmers	$1283	$214
Allstate	$1571	$265
Grange	$1623	$270

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 Lake Darby are offered by American Family at $166. However, it can be as expensive as $1456 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Lake Darby after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$166	$28
Auto-Owners Insurance Co	$166	$28
Westfield	$179	$30
Erie	$373	$63
USAA	$590	$98
Nationwide	$616	$104
Progressive	$648	$109
Allstate	$1412	$240
Grange	$1456	$243

Car Insurance Price Trends in Lake Darby, Ohio

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

The average cost of full coverage in the Lake Darby rose by $129 in December compared to $125 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Lake Darby rose to $39 in December, compared to $38 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 Lake Darby?

The car insurance in Lake Darby is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Darby?

The cheapest car insurance in Lake Darby is $43 per month for full coverage.

How much is car insurance in Lake Darby for teenagers?

Car insurance for teenagers costs $141 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 Lake Darby?

The average cost of car insurance is $668 for a six-month policy. It will cost around $121 per month to insure your car in Lake Darby.

Is car insurance expensive in Lake Darby?

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

Cheapest Car Insurance Quotes in Lake Darby

Why you can trust Way?

How Much Is Car Insurance in Lake Darby

Avg. Car Insurance in Lake Darby

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Lake Darby

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Lake Darby Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Darby, OH

Way's key takeaways about car insurance in Lake Darby

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Darby

Cheapest Liability Coverage in Lake Darby, OH

Cheapest Full Coverage Car Insurance in Lake Darby

Cheapest Full Coverage Car Insurance Quotes in Lake Darby, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Darby by Rating Factor

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

Car Insurance Premiums by Age in Lake Darby

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lake Darby,OH

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

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 Lake Darby

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Darby

Lake Darby Car Insurance Rates by Violation

Lake Darby auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Darby after a DUI

Lake Darby car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Darby after Speeding ticket

Car Insurance Price Trends in Lake Darby, Ohio

Average Car Insurance Cost in Lake Darby by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Darby, OH

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

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