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Finding the cheapest car insurance quotes in Middle Bass 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 Middle Bass
The car insurance rate in Middle Bass is $595 for a six-month policy, which is $73 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $212, making it a popular choice for budget-conscious drivers. Rates in Middle Bass 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 $212 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 $338 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $529
for six months, making it
the third cheapest auto insurance company in Middle Bass.
Middle Bass Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Middle Bass, OH is American Family, offering policies at just $212 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $338.
At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $676 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Middle Bass drivers find the best deals.
Way's key takeaways about car insurance in Middle Bass
The auto insurance costs in Middle Bass fall around $212 for six
months.
The cheapest auto insurance company in Middle Bass is American Family.
Teen drivers pay the highest rate in Middle Bass at $629 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 Middle Bass
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 Middle Bass are given below.
American Family provides
the cheapest minimum car insurance
coverage in Middle Bass. Their Average 6 Month Premium is $111.
Allstate is the most
expensive at $401 for the same
period.
Cheapest Full Coverage Car Insurance in Middle Bass
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 Middle Bass is American Family
at $36 per month and $212
for six months.
Cheapest Full Coverage Car Insurance Quotes in Middle Bass,
OH
Get Your Car Insurance Quote in Middle Bass
Instantly!
Average Car Insurance in Middle Bass 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 Middle Bass, OH increasing?
Despite maintaining a clean driving record, your car insurance rates
in Middle Bass, 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, Middle Bass's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Middle Bass
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
$480
30s
USAA
$339
40s
USAA
$308
50s
USAA
$285
60s
USAA
$299
70s
USAA
$362
Cheapest Car Insurance Rates for Teen Drivers in
Middle Bass,OH
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the Middle Bass at $20
per
month. At $3701 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 Middle Bass.
As young drivers face the highest rates in Middle Bass, USAA
offers the cheapest auto insurance rates at $480 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 Middle Bass,
American Family is
the cheapest car insurance provider. At $180 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
Middle Bass is Allstate, offering
rates of around $1528 for six
months.
Save up to $971/yr on car insurance rates in Middle Bass.
Car Insurance Rates with An Accident in Middle Bass
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 Middle Bass, OH,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Middle Bass
The cheapest car insurance companies after an at-fault accident in
Middle Bass include Central Mutual
and American Family, offering $122
and $137,
respectively. Frankenmuth is an expensive provider
with an average six-month premium of
$217.
Here is a list of driving violations that can increase your car
insurance rates in Middle Bass OH. For example, the car
insurance in Middle Bass
after a DUI increases to $618 for a six
month policy. While the rate increases by $137 for a six-month policy in the case of
a speeding ticket.
Middle Bass auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$651
$109
One Med/PIP claim
$666
$113
Not-at-fault accident
$676
$113
One comp claim
$692
$117
Two Med/PIP claims
$692
$116
Two comp claims
$724
$123
Failure to show documents
$730
$122
Driving without lights
$746
$126
Failure to wear a seat belt
$746
$125
Child safety restraint
$761
$129
Driving with expired registration
$761
$127
Driving too slowly
$788
$134
Speeding 11 - 15 MPH over limit
$788
$132
Speeding 6 - 10 MPH over limit
$788
$134
Speeding in school zone
$788
$132
Cell phone violation
$793
$135
Failure to yield
$793
$133
Following too closely
$793
$135
Illegal turn
$793
$133
Texting while driving
$793
$135
Wrong way/wrong lane
$793
$133
Failure to stop at a red light
$798
$136
Improper passing
$804
$134
Speeding 16 - 20 MPH over limit
$804
$137
At-fault accident - less than $1000
$830
$138
Passing school bus
$836
$142
Speeding 21 - 25 MPH over limit
$856
$142
In 65 MPH zone
$867
$148
At-fault accident - $1000-$2000
$957
$159
At-fault accident - greater than $2000
$962
$164
Open container
$962
$160
Operating a vehicle without permission
$967
$165
Reckless driving
$1226
$205
Racing
$1248
$212
Refusal to submit to a chemical test
$1248
$208
Driving with a suspended license
$1258
$214
DUI
$1269
$212
Leaving scene of an accident/hit and run
$1306
$222
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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 Middle Bass 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 Middle Bass.
The cheapest car insurance premiums in
Middle Bass are
offered by American Family at $137 for a six-month policy.
However, it can be as
expensive as $1338 with companies
like Grange.
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 Middle Bass are offered by American Family
at $137. However,
it can be as expensive as $1200
with companies like Grange for a similar
six-month premium.
Cheapest Car Insurance in Middle Bass after Speeding ticket
Car insurance rates in Middle Bass have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Middle Bass rose by
$106 in December
compared to $103 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 Middle Bass rose to $32 in December,
compared to $31 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in Middle Bass by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Middle Bass. At $1189 for a
six-month policy, insuring
your car at 43446 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Middle Bass?
The car insurance in Middle Bass is $19 per month, which is lower than the national average.
What is the cheapest car insurance in Middle Bass?
The cheapest car insurance in Middle Bass
is $36 per month
for full coverage.
How much is car insurance in Middle Bass for teenagers?
Car insurance for teenagers costs $117 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
Middle Bass?
The average cost of car insurance is $668 for a six-month
policy. It will cost around $100 per month to insure your
car in Middle Bass.
Is car insurance expensive in Middle Bass?
Car insurance can be expensive in Middle Bass if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Middle Bass can be
affordable.
What is the best car insurance in Middle Bass,
OH?
The best car insurance company in Middle Bass
OH is
American Family, offering $212 for a
six-month policy.
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Middle Bass Car Insurance
