Cheapest Car Insurance Quotes in Maple Heights

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Maple Heights 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 Maple Heights

The car insurance rate in Maple Heights is $782 for a six-month policy, which is $114 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $278, making it a popular choice for budget-conscious drivers. Rates in Maple Heights 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 Maple Heights

$782

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Maple Heights

1st place: American Family

At $278 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 $445 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $695 for six months, making it the third cheapest auto insurance company in Maple Heights.

Maple Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Maple Heights, OH is American Family, offering policies at just $278 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $445.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $889 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Maple Heights drivers find the best deals.

Cheap Car Insurance Companies in Maple Heights, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$278	$47
Auto-Owners Insurance Co	$445	$74
Travelers	$695	$118
Erie	$702	$118
State Farm	$709	$121
USAA	$709	$119
Hastings Mutual	$723	$123
Nationwide	$730	$123
Central Mutual	$841	$143
Progressive	$848	$143
Farmers	$1028	$174
Grange	$1099	$183
Allstate	$1258	$212
Westfield	$889	$151

Key Takeaways

Way's key takeaways about car insurance in Maple Heights

The auto insurance costs in Maple Heights fall around $278 for six months.
The cheapest auto insurance company in Maple Heights is American Family.
Teen drivers pay the highest rate in Maple Heights at $827 per month.

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

Cheapest Minimum Liability Car Insurance in Maple Heights

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 Maple Heights are given below.

American Family provides the cheapest minimum car insurance coverage in Maple Heights. Their Average 6 Month Premium is $146. Allstate is the most expensive at $528 for the same period.

Cheapest Liability Coverage in Maple Heights, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$146	$25
Central Mutual	$160	$27
Auto-Owners Insurance Co	$174	$29
Westfield	$180	$30
USAA	$187	$32
Erie	$208	$35
State Farm	$229	$39
Progressive	$250	$42
Nationwide	$278	$47
Travelers	$291	$49
Auto-Owners	$305	$51
Farmers	$390	$67
Grange	$424	$70
Allstate	$528	$89

Cheapest Full Coverage Car Insurance in Maple Heights

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 Maple Heights is American Family at $47 per month and $278 for six months.

Cheapest Full Coverage Car Insurance Quotes in Maple Heights, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$278	$47
Auto-Owners Insurance Co	$445	$74
Travelers	$695	$118
Erie	$702	$118
State Farm	$709	$121
USAA	$709	$119
Hastings Mutual	$723	$123
Nationwide	$730	$123
Central Mutual	$841	$143
Progressive	$848	$143
Farmers	$1028	$174
Grange	$1099	$183
Allstate	$1258	$212
Westfield	$889	$151

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Average Car Insurance in Maple Heights 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 Maple Heights, OH increasing?

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

Car Insurance Premiums by Age in Maple Heights

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	$631
30s	USAA	$446
40s	USAA	$405
50s	USAA	$374
60s	USAA	$393
70s	USAA	$476

Cheapest Car Insurance Rates for Teen Drivers in Maple Heights,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Maple Heights at $26 per month. At $4865 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$153	$26
Westfield	$187	$32
USAA	$966	$163
Erie	$1028	$173
Travelers	$1258	$212
Nationwide	$1960	$330
Progressive	$1967	$331
Allstate	$2676	$450
State Farm	$2884	$490
Grange	$3184	$530
Farmers	$4865	$827

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 Maple Heights.

As young drivers face the highest rates in Maple Heights, USAA offers the cheapest auto insurance rates at $631 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 Maple Heights, American Family is the cheapest car insurance provider. At $236 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 Maple Heights is Allstate, offering rates of around $2009 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$236	$40
Westfield	$298	$50
Nationwide	$792	$133
Erie	$820	$138
Progressive	$820	$138
USAA	$889	$149
Grange	$910	$153
Allstate	$2009	$335

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Car Insurance Rates with An Accident in Maple Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in Maple Heights

The cheapest car insurance companies after an at-fault accident in Maple Heights include Central Mutual and American Family, offering $160 and $180, respectively. Frankenmuth is an expensive provider with an average six-month premium of $285.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$160	$27
American Family	$180	$30
Auto-Owners Insurance Co	$278	$47
Westfield	$278	$47
Erie	$383	$64
Nationwide	$799	$135
Travelers	$1071	$180
Grange	$1341	$228
USAA	$1411	$238
Auto-Owners	$1591	$268
Progressive	$2252	$379
Allstate	$2655	$447
State Farm	$5338	$889
Frankenmuth	$285	$48

Maple Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Maple Heights OH. For example, the car insurance in Maple Heights after a DUI increases to $813 for a six month policy. While the rate increases by $180 for a six-month policy in the case of a speeding ticket.

Maple Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$855	$143
One Med/PIP claim	$875	$149
Not-at-fault accident	$889	$149
One comp claim	$910	$154
Two Med/PIP claims	$910	$152
Two comp claims	$952	$161
Failure to show documents	$959	$160
Driving without lights	$980	$166
Failure to wear a seat belt	$980	$164
Child safety restraint	$1000	$170
Driving with expired registration	$1000	$167
Driving too slowly	$1035	$176
Speeding 11 - 15 MPH over limit	$1035	$173
Speeding 6 - 10 MPH over limit	$1035	$176
Speeding in school zone	$1035	$173
Cell phone violation	$1042	$178
Failure to yield	$1042	$174
Following too closely	$1042	$178
Illegal turn	$1042	$174
Texting while driving	$1042	$178
Wrong way/wrong lane	$1042	$174
Failure to stop at a red light	$1049	$179
Improper passing	$1057	$176
Speeding 16 - 20 MPH over limit	$1057	$180
At-fault accident - less than $1000	$1092	$181
Passing school bus	$1099	$187
Speeding 21 - 25 MPH over limit	$1126	$187
In 65 MPH zone	$1140	$194
At-fault accident - $1000-$2000	$1258	$209
At-fault accident - greater than $2000	$1265	$215
Open container	$1265	$211
Operating a vehicle without permission	$1272	$216
Reckless driving	$1612	$269
Racing	$1640	$278
Refusal to submit to a chemical test	$1640	$274
Driving with a suspended license	$1654	$281
DUI	$1668	$278
Leaving scene of an accident/hit and run	$1716	$291

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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 Maple Heights 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 Maple Heights.

The cheapest car insurance premiums in Maple Heights are offered by American Family at $180 for a six-month policy. However, it can be as expensive as $1759 with companies like Grange.

Maple Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$180	$30
Erie	$542	$91
Travelers	$577	$97
Progressive	$674	$113
USAA	$702	$118
Nationwide	$1021	$172
State Farm	$1119	$191
Farmers	$1390	$232
Allstate	$1702	$287
Grange	$1759	$293

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 Maple Heights are offered by American Family at $180. However, it can be as expensive as $1577 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Maple Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$180	$30
Auto-Owners Insurance Co	$180	$30
Westfield	$194	$33
Erie	$404	$68
USAA	$639	$106
Nationwide	$667	$112
Progressive	$702	$118
Allstate	$1529	$260
Grange	$1577	$263

Car Insurance Price Trends in Maple Heights, Ohio

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

The average cost of full coverage in the Maple Heights rose by $139 in December compared to $136 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 Maple Heights 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 Maple Heights?

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

What is the cheapest car insurance in Maple Heights?

The cheapest car insurance in Maple Heights is $47 per month for full coverage.

How much is car insurance in Maple Heights for teenagers?

Car insurance for teenagers costs $153 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 Maple Heights?

The average cost of car insurance is $668 for a six-month policy. It will cost around $131 per month to insure your car in Maple Heights.

Is car insurance expensive in Maple Heights?

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

Cheapest Car Insurance Quotes in Maple Heights

Why you can trust Way?

How Much Is Car Insurance in Maple Heights

Avg. Car Insurance in Maple Heights

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Maple Heights

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Maple Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Maple Heights, OH

Way's key takeaways about car insurance in Maple Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Maple Heights

Cheapest Liability Coverage in Maple Heights, OH

Cheapest Full Coverage Car Insurance in Maple Heights

Cheapest Full Coverage Car Insurance Quotes in Maple Heights, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Maple Heights by Rating Factor

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

Car Insurance Premiums by Age in Maple Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Maple Heights,OH

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

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 Maple Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Maple Heights

Maple Heights Car Insurance Rates by Violation

Maple Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Maple Heights after a DUI

Maple Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Maple Heights after Speeding ticket

Car Insurance Price Trends in Maple Heights, Ohio

Average Car Insurance Cost in Maple Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Maple Heights, OH

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

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