Cheapest Car Insurance Quotes in Monfort Heights

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Monfort Heights Car Insurance

^$ 24

/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 Monfort Heights

The car insurance rate in Monfort Heights is $775 for a six-month policy, which is $107 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $276, making it a popular choice for budget-conscious drivers. Rates in Monfort 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 Monfort Heights

$775

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Monfort Heights

1st place: American Family

At $276 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 $441 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $689 for six months, making it the third cheapest auto insurance company in Monfort Heights.

Monfort Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Monfort Heights, OH is American Family, offering policies at just $276 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $441.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $882 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Monfort Heights drivers find the best deals.

Cheap Car Insurance Companies in Monfort Heights, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$276	$46
Auto-Owners Insurance Co	$441	$73
Travelers	$689	$117
Erie	$696	$117
State Farm	$703	$119
USAA	$703	$118
Hastings Mutual	$717	$122
Nationwide	$724	$122
Central Mutual	$834	$142
Progressive	$841	$142
Farmers	$1020	$173
Grange	$1089	$181
Allstate	$1247	$210
Westfield	$882	$150

Key Takeaways

Way's key takeaways about car insurance in Monfort Heights

The auto insurance costs in Monfort Heights fall around $276 for six months.
The cheapest auto insurance company in Monfort Heights is American Family.
Teen drivers pay the highest rate in Monfort Heights at $820 per month.

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Cheapest Minimum Liability Car Insurance in Monfort 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 Monfort Heights are given below.

American Family provides the cheapest minimum car insurance coverage in Monfort Heights. Their Average 6 Month Premium is $145. Allstate is the most expensive at $523 for the same period.

Cheapest Liability Coverage in Monfort Heights, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$145	$24
Central Mutual	$159	$27
Auto-Owners Insurance Co	$173	$29
Westfield	$179	$30
USAA	$186	$31
Erie	$206	$35
State Farm	$227	$38
Progressive	$248	$42
Nationwide	$276	$46
Travelers	$289	$49
Auto-Owners	$303	$51
Farmers	$386	$66
Grange	$420	$70
Allstate	$523	$88

Cheapest Full Coverage Car Insurance in Monfort 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 Monfort Heights is American Family at $46 per month and $276 for six months.

Cheapest Full Coverage Car Insurance Quotes in Monfort Heights, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$276	$46
Auto-Owners Insurance Co	$441	$73
Travelers	$689	$117
Erie	$696	$117
State Farm	$703	$119
USAA	$703	$118
Hastings Mutual	$717	$122
Nationwide	$724	$122
Central Mutual	$834	$142
Progressive	$841	$142
Farmers	$1020	$173
Grange	$1089	$181
Allstate	$1247	$210
Westfield	$882	$150

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Average Car Insurance in Monfort 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 Monfort Heights, OH increasing?

Despite maintaining a clean driving record, your car insurance rates in Monfort 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, Monfort 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 Monfort 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	$625
30s	USAA	$442
40s	USAA	$401
50s	USAA	$371
60s	USAA	$390
70s	USAA	$472

Cheapest Car Insurance Rates for Teen Drivers in Monfort 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 Monfort Heights at $26 per month. At $4823 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$152	$26
Westfield	$186	$31
USAA	$958	$161
Erie	$1020	$172
Travelers	$1247	$210
Nationwide	$1943	$327
Progressive	$1950	$328
Allstate	$2653	$447
State Farm	$2859	$486
Grange	$3156	$525
Farmers	$4823	$820

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 Monfort Heights.

As young drivers face the highest rates in Monfort Heights, USAA offers the cheapest auto insurance rates at $625 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 Monfort Heights, American Family is the cheapest car insurance provider. At $234 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 Monfort Heights is Allstate, offering rates of around $1992 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$234	$39
Westfield	$296	$50
Nationwide	$785	$132
Erie	$813	$137
Progressive	$813	$137
USAA	$882	$147
Grange	$902	$152
Allstate	$1992	$332

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Save up to $971/yr on car insurance rates in Monfort Heights.

Car Insurance Rates with An Accident in Monfort 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 Monfort Heights, OH, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Monfort Heights include Central Mutual and American Family, offering $159 and $179, respectively. Frankenmuth is an expensive provider with an average six-month premium of $283.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$159	$27
American Family	$179	$30
Auto-Owners Insurance Co	$276	$46
Westfield	$276	$46
Erie	$379	$64
Nationwide	$792	$133
Travelers	$1061	$179
Grange	$1329	$226
USAA	$1399	$235
Auto-Owners	$1578	$266
Progressive	$2233	$376
Allstate	$2632	$443
State Farm	$5292	$882
Frankenmuth	$283	$48

Monfort Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Monfort Heights OH. For example, the car insurance in Monfort Heights after a DUI increases to $806 for a six month policy. While the rate increases by $179 for a six-month policy in the case of a speeding ticket.

Monfort Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$848	$142
One Med/PIP claim	$868	$147
Not-at-fault accident	$882	$147
One comp claim	$902	$153
Two Med/PIP claims	$902	$151
Two comp claims	$944	$160
Failure to show documents	$951	$159
Driving without lights	$972	$165
Failure to wear a seat belt	$972	$162
Child safety restraint	$992	$168
Driving with expired registration	$992	$166
Driving too slowly	$1027	$174
Speeding 11 - 15 MPH over limit	$1027	$172
Speeding 6 - 10 MPH over limit	$1027	$174
Speeding in school zone	$1027	$172
Cell phone violation	$1034	$176
Failure to yield	$1034	$173
Following too closely	$1034	$176
Illegal turn	$1034	$173
Texting while driving	$1034	$176
Wrong way/wrong lane	$1034	$173
Failure to stop at a red light	$1041	$177
Improper passing	$1047	$174
Speeding 16 - 20 MPH over limit	$1047	$179
At-fault accident - less than $1000	$1082	$180
Passing school bus	$1089	$186
Speeding 21 - 25 MPH over limit	$1116	$186
In 65 MPH zone	$1130	$193
At-fault accident - $1000-$2000	$1247	$208
At-fault accident - greater than $2000	$1254	$213
Open container	$1254	$209
Operating a vehicle without permission	$1261	$215
Reckless driving	$1598	$267
Racing	$1626	$276
Refusal to submit to a chemical test	$1626	$271
Driving with a suspended license	$1640	$278
DUI	$1654	$276
Leaving scene of an accident/hit and run	$1702	$289

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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 Monfort 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 Monfort Heights.

The cheapest car insurance premiums in Monfort Heights are offered by American Family at $179 for a six-month policy. However, it can be as expensive as $1743 with companies like Grange.

Monfort Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$179	$30
Erie	$537	$90
Travelers	$572	$96
Progressive	$668	$113
USAA	$696	$117
Nationwide	$1013	$171
State Farm	$1109	$189
Farmers	$1378	$230
Allstate	$1688	$284
Grange	$1743	$290

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 Monfort Heights are offered by American Family at $179. However, it can be as expensive as $1564 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Monfort Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$179	$30
Auto-Owners Insurance Co	$179	$30
Westfield	$193	$32
Erie	$400	$67
USAA	$633	$106
Nationwide	$661	$111
Progressive	$696	$117
Allstate	$1516	$258
Grange	$1564	$261

Car Insurance Price Trends in Monfort Heights, Ohio

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

The average cost of full coverage in the Monfort Heights rose by $138 in December compared to $135 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 Monfort 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 Monfort Heights?

The car insurance in Monfort Heights is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Monfort Heights?

The cheapest car insurance in Monfort Heights is $46 per month for full coverage.

How much is car insurance in Monfort Heights for teenagers?

Car insurance for teenagers costs $152 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 Monfort Heights?

The average cost of car insurance is $668 for a six-month policy. It will cost around $130 per month to insure your car in Monfort Heights.

Is car insurance expensive in Monfort Heights?

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

Cheapest Car Insurance Quotes in Monfort Heights

Why you can trust Way?

How Much Is Car Insurance in Monfort Heights

Avg. Car Insurance in Monfort Heights

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Monfort Heights

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Monfort Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Monfort Heights, OH

Way's key takeaways about car insurance in Monfort Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Monfort Heights

Cheapest Liability Coverage in Monfort Heights, OH

Cheapest Full Coverage Car Insurance in Monfort Heights

Cheapest Full Coverage Car Insurance Quotes in Monfort Heights, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Monfort Heights by Rating Factor

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

Car Insurance Premiums by Age in Monfort Heights

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Monfort Heights Car Insurance Rates by Violation

Monfort Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Monfort Heights after a DUI

Monfort Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Monfort Heights after Speeding ticket

Car Insurance Price Trends in Monfort Heights, Ohio

Average Car Insurance Cost in Monfort Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Monfort Heights, OH

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

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