Cheapest Car Insurance Quotes in Mentor-on-the-Lake

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Mentor-on-the-Lake Car Insurance

^$ 21

/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 Mentor-on-the-Lake

The car insurance rate in Mentor-on-the-Lake is $655 for a six-month policy, which is $13 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $233, making it a popular choice for budget-conscious drivers. Rates in Mentor-on-the-Lake 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 Mentor-on-the-Lake

$655

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Mentor-on-the-Lake

1st place: American Family

At $233 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 $372 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $582 for six months, making it the third cheapest auto insurance company in Mentor-on-the-Lake.

Mentor-on-the-Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mentor-on-the-Lake, OH is American Family, offering policies at just $233 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $372.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $745 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mentor-on-the-Lake drivers find the best deals.

Cheap Car Insurance Companies in Mentor-on-the-Lake, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$233	$39
Auto-Owners Insurance Co	$372	$62
Travelers	$582	$99
Erie	$588	$99
State Farm	$594	$101
USAA	$594	$100
Hastings Mutual	$606	$103
Nationwide	$612	$103
Central Mutual	$705	$120
Progressive	$711	$120
Farmers	$861	$146
Grange	$920	$153
Allstate	$1054	$177
Westfield	$745	$126

Key Takeaways

Way's key takeaways about car insurance in Mentor-on-the-Lake

The auto insurance costs in Mentor-on-the-Lake fall around $233 for six months.
The cheapest auto insurance company in Mentor-on-the-Lake is American Family.
Teen drivers pay the highest rate in Mentor-on-the-Lake at $693 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 Mentor-on-the-Lake

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 Mentor-on-the-Lake are given below.

American Family provides the cheapest minimum car insurance coverage in Mentor-on-the-Lake. Their Average 6 Month Premium is $123. Allstate is the most expensive at $442 for the same period.

Cheapest Liability Coverage in Mentor-on-the-Lake, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$123	$21
Central Mutual	$134	$23
Auto-Owners Insurance Co	$146	$25
Westfield	$151	$25
USAA	$157	$26
Erie	$174	$29
State Farm	$192	$32
Progressive	$210	$35
Nationwide	$233	$39
Travelers	$244	$41
Auto-Owners	$256	$43
Farmers	$326	$56
Grange	$355	$59
Allstate	$442	$74

Cheapest Full Coverage Car Insurance in Mentor-on-the-Lake

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 Mentor-on-the-Lake is American Family at $39 per month and $233 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mentor-on-the-Lake, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$233	$39
Auto-Owners Insurance Co	$372	$62
Travelers	$582	$99
Erie	$588	$99
State Farm	$594	$101
USAA	$594	$100
Hastings Mutual	$606	$103
Nationwide	$612	$103
Central Mutual	$705	$120
Progressive	$711	$120
Farmers	$861	$146
Grange	$920	$153
Allstate	$1054	$177
Westfield	$745	$126

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Average Car Insurance in Mentor-on-the-Lake 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 Mentor-on-the-Lake, OH increasing?

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

Car Insurance Premiums by Age in Mentor-on-the-Lake

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	$528
30s	USAA	$373
40s	USAA	$339
50s	USAA	$314
60s	USAA	$329
70s	USAA	$399

Cheapest Car Insurance Rates for Teen Drivers in Mentor-on-the-Lake,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Mentor-on-the-Lake at $22 per month. At $4075 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$128	$22
Westfield	$157	$26
USAA	$809	$136
Erie	$861	$145
Travelers	$1054	$177
Nationwide	$1642	$276
Progressive	$1647	$277
Allstate	$2241	$377
State Farm	$2416	$411
Grange	$2667	$444
Farmers	$4075	$693

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 Mentor-on-the-Lake.

As young drivers face the highest rates in Mentor-on-the-Lake, USAA offers the cheapest auto insurance rates at $528 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 Mentor-on-the-Lake, American Family is the cheapest car insurance provider. At $198 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 Mentor-on-the-Lake is Allstate, offering rates of around $1683 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$198	$33
Westfield	$250	$42
Nationwide	$663	$112
Erie	$687	$116
Progressive	$687	$116
USAA	$745	$124
Grange	$762	$128
Allstate	$1683	$280

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Save up to $971/yr on car insurance rates in Mentor-on-the-Lake.

Car Insurance Rates with An Accident in Mentor-on-the-Lake

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 Mentor-on-the-Lake, OH, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Mentor-on-the-Lake

The cheapest car insurance companies after an at-fault accident in Mentor-on-the-Lake include Central Mutual and American Family, offering $134 and $151, respectively. Frankenmuth is an expensive provider with an average six-month premium of $239.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$134	$23
American Family	$151	$25
Auto-Owners Insurance Co	$233	$39
Westfield	$233	$39
Erie	$320	$54
Nationwide	$669	$113
Travelers	$897	$151
Grange	$1123	$191
USAA	$1182	$199
Auto-Owners	$1333	$224
Progressive	$1887	$318
Allstate	$2224	$374
State Farm	$4471	$745
Frankenmuth	$239	$40

Mentor-on-the-Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mentor-on-the-Lake OH. For example, the car insurance in Mentor-on-the-Lake after a DUI increases to $681 for a six month policy. While the rate increases by $151 for a six-month policy in the case of a speeding ticket.

Mentor-on-the-Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$716	$120
One Med/PIP claim	$733	$124
Not-at-fault accident	$745	$124
One comp claim	$762	$129
Two Med/PIP claims	$762	$127
Two comp claims	$798	$135
Failure to show documents	$804	$134
Driving without lights	$821	$139
Failure to wear a seat belt	$821	$137
Child safety restraint	$838	$142
Driving with expired registration	$838	$140
Driving too slowly	$867	$147
Speeding 11 - 15 MPH over limit	$867	$145
Speeding 6 - 10 MPH over limit	$867	$147
Speeding in school zone	$867	$145
Cell phone violation	$873	$149
Failure to yield	$873	$146
Following too closely	$873	$149
Illegal turn	$873	$146
Texting while driving	$873	$149
Wrong way/wrong lane	$873	$146
Failure to stop at a red light	$879	$150
Improper passing	$885	$147
Speeding 16 - 20 MPH over limit	$885	$151
At-fault accident - less than $1000	$914	$152
Passing school bus	$920	$157
Speeding 21 - 25 MPH over limit	$943	$157
In 65 MPH zone	$955	$163
At-fault accident - $1000-$2000	$1054	$175
At-fault accident - greater than $2000	$1059	$180
Open container	$1059	$176
Operating a vehicle without permission	$1065	$181
Reckless driving	$1350	$225
Racing	$1374	$233
Refusal to submit to a chemical test	$1374	$229
Driving with a suspended license	$1386	$235
DUI	$1397	$233
Leaving scene of an accident/hit and run	$1438	$244

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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 Mentor-on-the-Lake 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 Mentor-on-the-Lake.

The cheapest car insurance premiums in Mentor-on-the-Lake are offered by American Family at $151 for a six-month policy. However, it can be as expensive as $1473 with companies like Grange.

Mentor-on-the-Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$151	$25
Erie	$454	$76
Travelers	$483	$81
Progressive	$564	$95
USAA	$588	$99
Nationwide	$856	$144
State Farm	$937	$160
Farmers	$1164	$194
Allstate	$1426	$240
Grange	$1473	$245

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 Mentor-on-the-Lake are offered by American Family at $151. However, it can be as expensive as $1321 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Mentor-on-the-Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$151	$25
Auto-Owners Insurance Co	$151	$25
Westfield	$163	$27
Erie	$338	$57
USAA	$535	$89
Nationwide	$559	$94
Progressive	$588	$99
Allstate	$1281	$218
Grange	$1321	$221

Car Insurance Price Trends in Mentor-on-the-Lake, Ohio

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

The average cost of full coverage in the Mentor-on-the-Lake rose by $117 in December compared to $114 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 Mentor-on-the-Lake rose to $35 in December, compared to $34 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 Mentor-on-the-Lake?

The car insurance in Mentor-on-the-Lake is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Mentor-on-the-Lake?

The cheapest car insurance in Mentor-on-the-Lake is $39 per month for full coverage.

How much is car insurance in Mentor-on-the-Lake for teenagers?

Car insurance for teenagers costs $128 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 Mentor-on-the-Lake?

The average cost of car insurance is $668 for a six-month policy. It will cost around $110 per month to insure your car in Mentor-on-the-Lake.

Is car insurance expensive in Mentor-on-the-Lake?

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

Cheapest Car Insurance Quotes in Mentor-on-the-Lake

Why you can trust Way?

How Much Is Car Insurance in Mentor-on-the-Lake

Avg. Car Insurance in Mentor-on-the-Lake

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Mentor-on-the-Lake

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Mentor-on-the-Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Mentor-on-the-Lake, OH

Way's key takeaways about car insurance in Mentor-on-the-Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mentor-on-the-Lake

Cheapest Liability Coverage in Mentor-on-the-Lake, OH

Cheapest Full Coverage Car Insurance in Mentor-on-the-Lake

Cheapest Full Coverage Car Insurance Quotes in Mentor-on-the-Lake, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mentor-on-the-Lake by Rating Factor

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

Car Insurance Premiums by Age in Mentor-on-the-Lake

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mentor-on-the-Lake,OH

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

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 Mentor-on-the-Lake

Cheapest Car Insurance Companies after an At-Fault Accident in Mentor-on-the-Lake

Mentor-on-the-Lake Car Insurance Rates by Violation

Mentor-on-the-Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mentor-on-the-Lake after a DUI

Mentor-on-the-Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mentor-on-the-Lake after Speeding ticket

Car Insurance Price Trends in Mentor-on-the-Lake, Ohio

Average Car Insurance Cost in Mentor-on-the-Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mentor-on-the-Lake, OH

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

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