We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Martin shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Martin
The car insurance rate in Martin is $654 for a six-month policy, which is $89 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $209, making it a popular choice for budget-conscious drivers. Rates in Martin 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.
At $209 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 $334 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $523
for six months, making it
the third cheapest auto insurance company in Martin.
Martin Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Martin, OH is American Family, offering policies at just $209 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $334.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1003 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Martin drivers find the best deals.
The auto insurance costs in Martin fall around $209 for six
months.
The cheapest auto insurance company in Martin is American Family.
Teen drivers pay the highest rate in Martin at $622 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 Martin
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 Martin are given below.
American Family provides
the cheapest minimum car insurance
coverage in Martin. Their Average 6 Month Premium is $110.
Allstate is the most
expensive at $397 for the same
period.
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 Martin is American Family
at $35 per month and $209
for six months.
Cheapest Full Coverage Car Insurance Quotes in Martin,
OH
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 Martin, OH increasing?
Despite maintaining a clean driving record, your car insurance rates
in Martin, 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, Martin's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Martin
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
$500
30s
USAA
$354
40s
USAA
$320
50s
USAA
$297
60s
USAA
$312
70s
USAA
$378
Cheapest Car Insurance Rates for Teen Drivers in
Martin,OH
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the Martin at $19
per
month. At $3659 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Martin.
As young drivers face the highest rates in Martin, USAA
offers the cheapest auto insurance rates at $500 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 Martin,
American Family is
the cheapest car insurance provider. At $178 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
Martin is AutoOwners, offering
rates of around $1986 for six
months.
Save up to $971/yr on car insurance rates in Martin.
Car Insurance Rates with An Accident in Martin
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 Martin, OH,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Martin
The cheapest car insurance companies after an at-fault accident in
Martin include Central Mutual
and American Family, offering $121
and $136,
respectively. State Farm is an expensive provider
with an average six-month premium of
$4015.
Here is a list of driving violations that can increase your car
insurance rates in Martin OH. For example, the car
insurance in Martin
after a DUI increases to $612 for a six
month policy. While the rate increases by $136 for a six-month policy in the case of
a speeding ticket.
Martin auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$643
$107
One Med/PIP claim
$658
$112
Not-at-fault accident
$669
$112
One comp claim
$685
$116
Two Med/PIP claims
$685
$114
Two comp claims
$716
$121
Failure to show documents
$722
$121
Driving without lights
$737
$125
Failure to wear a seat belt
$737
$123
Child safety restraint
$752
$128
Driving with expired registration
$752
$126
Driving too slowly
$779
$132
Speeding 11 - 15 MPH over limit
$779
$130
Speeding 6 - 10 MPH over limit
$779
$132
Speeding in school zone
$779
$130
Cell phone violation
$784
$134
Failure to yield
$784
$131
Following too closely
$784
$134
Illegal turn
$784
$131
Texting while driving
$784
$134
Wrong way/wrong lane
$784
$131
Failure to stop at a red light
$789
$135
Improper passing
$795
$132
Speeding 16 - 20 MPH over limit
$795
$136
At-fault accident - less than $1000
$821
$136
Passing school bus
$826
$141
Speeding 21 - 25 MPH over limit
$847
$141
In 65 MPH zone
$857
$146
At-fault accident - $1000-$2000
$946
$158
At-fault accident - greater than $2000
$951
$162
Open container
$951
$158
Operating a vehicle without permission
$957
$163
Reckless driving
$1213
$202
Racing
$1234
$209
Refusal to submit to a chemical test
$1234
$206
Driving with a suspended license
$1244
$211
DUI
$1255
$209
Leaving scene of an accident/hit and run
$1291
$219
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Martin 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 Martin.
The cheapest car insurance premiums in
Martin are
offered by American Family at $136 for a six-month policy.
However, it can be as
expensive as $2326 with companies
like Cincinnati.
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 Martin are offered by American Family
at $136. However,
it can be as expensive as $1385
with companies like Grange for a similar
six-month premium.
Cheapest Car Insurance in Martin after Speeding ticket
Car insurance rates in Martin have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Martin rose by
$131 in January
compared to $105 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 Martin rose to $34 in January,
compared to $32 in December.
This represents an increase of $2
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Martin. At $1307 for a
six-month policy, insuring
your car at 43445 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Martin?
The car insurance in Martin is $18 per month, which is lower than the national average.
What is the cheapest car insurance in Martin?
The cheapest car insurance in Martin
is $35 per month
for full coverage.
How much is car insurance in Martin for teenagers?
Car insurance for teenagers costs $115 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
Martin?
The average cost of car insurance is $743 for a six-month
policy. It will cost around $110 per month to insure your
car in Martin.
Is car insurance expensive in Martin?
Car insurance can be expensive in Martin if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Martin can be
affordable.
What is the best car insurance in Martin,
OH?
The best car insurance company in Martin
OH is
American Family, offering $209 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Martin right now.
Find Car Insurance Rates in Cities Near Martin, OH
Car Insurance Rates by State in the USA (2025 Update)
Martin Car Insurance
