Cheapest Car Insurance Quotes in Montezuma

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Montezuma Car Insurance

^$ 18

/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 Montezuma

The car insurance rate in Montezuma is $632 for a six-month policy, which is $111 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $202, making it a popular choice for budget-conscious drivers. Rates in Montezuma 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 Montezuma

$632

Avg. Car Insurance in Ohio

$743

National Average

$1278

Cheapest Car Insurance Companies in Montezuma

1st place: American Family

At $202 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 $323 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $505 for six months, making it the third cheapest auto insurance company in Montezuma.

Montezuma Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Montezuma, OH is American Family, offering policies at just $202 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $323.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $969 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Montezuma drivers find the best deals.

Cheap Car Insurance Companies in Montezuma, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$202	$34
Auto-Owners Insurance Co	$323	$54
Travelers	$505	$86
State Farm	$515	$86
Hastings Mutual	$525	$89
USAA	$530	$89
Erie	$550	$93
Nationwide	$581	$98
Central Mutual	$611	$104
Progressive	$636	$107
Auto-Owners	$687	$116
Farmers	$747	$125
Westfield	$879	$150
Cincinnati	$919	$153
Grange	$934	$159
Allstate	$969	$163

Key Takeaways

Way's key takeaways about car insurance in Montezuma

The auto insurance costs in Montezuma fall around $202 for six months.
The cheapest auto insurance company in Montezuma is American Family.
Teen drivers pay the highest rate in Montezuma at $601 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 Montezuma

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 Montezuma are given below.

American Family provides the cheapest minimum car insurance coverage in Montezuma. Their Average 6 Month Premium is $106. Allstate is the most expensive at $383 for the same period.

Cheapest Liability Coverage in Montezuma, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$106	$18
Central Mutual	$116	$20
Auto-Owners Insurance Co	$127	$21
USAA	$146	$25
Erie	$156	$26
Westfield	$156	$26
State Farm	$167	$28
Progressive	$192	$32
Auto-Owners	$212	$36
Travelers	$212	$36
Nationwide	$258	$43
Farmers	$283	$47
Grange	$333	$57
Cincinnati	$354	$59
Allstate	$383	$65

Cheapest Full Coverage Car Insurance in Montezuma

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 Montezuma is American Family at $34 per month and $202 for six months.

Cheapest Full Coverage Car Insurance Quotes in Montezuma, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$202	$34
Auto-Owners Insurance Co	$323	$54
Travelers	$505	$86
State Farm	$515	$86
Hastings Mutual	$525	$89
USAA	$530	$89
Erie	$550	$93
Nationwide	$581	$98
Central Mutual	$611	$104
Progressive	$636	$107
Auto-Owners	$687	$116
Farmers	$747	$125
Westfield	$879	$150
Cincinnati	$919	$153
Grange	$934	$159
Allstate	$969	$163

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Average Car Insurance in Montezuma 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 Montezuma, OH increasing?

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

Car Insurance Premiums by Age in Montezuma

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	$483
30s	USAA	$342
40s	USAA	$309
50s	USAA	$286
60s	USAA	$301
70s	USAA	$365

Cheapest Car Insurance Rates for Teen Drivers in Montezuma,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Montezuma at $19 per month. At $3534 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$111	$19
USAA	$682	$115
Erie	$783	$132
Travelers	$914	$154
Westfield	$1020	$172
Progressive	$1470	$247
Nationwide	$1873	$315
Auto-Owners	$1999	$333
Allstate	$2045	$344
State Farm	$2095	$349
Cincinnati	$2655	$451
Grange	$2681	$447
Farmers	$3534	$601

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 Montezuma.

As young drivers face the highest rates in Montezuma, USAA offers the cheapest auto insurance rates at $483 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 Montezuma, American Family is the cheapest car insurance provider. At $172 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 Montezuma is AutoOwners, offering rates of around $1918 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$172	$29
Progressive	$632	$106
Nationwide	$727	$122
USAA	$742	$124
Grange	$752	$127
Erie	$768	$129
Westfield	$898	$151
Cincinnati	$1389	$231
Allstate	$1656	$281
Auto-Owners	$1918	$320

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Montezuma

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

Cheapest Car Insurance Companies after an At-Fault Accident in Montezuma

The cheapest car insurance companies after an at-fault accident in Montezuma include Central Mutual and American Family, offering $116 and $131, respectively. State Farm is an expensive provider with an average six-month premium of $3878.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$116	$20
American Family	$131	$22
Auto-Owners Insurance Co	$202	$34
Erie	$359	$60
Westfield	$536	$90
Nationwide	$727	$122
Travelers	$778	$131
USAA	$1051	$177
Auto-Owners	$1091	$184
Grange	$1146	$195
Progressive	$1666	$281
Cincinnati	$1712	$291
Allstate	$2040	$343
State Farm	$3878	$660

Montezuma Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Montezuma OH. For example, the car insurance in Montezuma after a DUI increases to $591 for a six month policy. While the rate increases by $131 for a six-month policy in the case of a speeding ticket.

Montezuma auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$621	$104
One Med/PIP claim	$636	$108
Not-at-fault accident	$646	$108
One comp claim	$661	$112
Two Med/PIP claims	$661	$111
Two comp claims	$692	$117
Failure to show documents	$697	$116
Driving without lights	$712	$121
Failure to wear a seat belt	$712	$119
Child safety restraint	$727	$123
Driving with expired registration	$727	$122
Driving too slowly	$752	$128
Speeding 11 - 15 MPH over limit	$752	$126
Speeding 6 - 10 MPH over limit	$752	$128
Speeding in school zone	$752	$126
Cell phone violation	$757	$129
Failure to yield	$757	$127
Following too closely	$757	$129
Illegal turn	$757	$127
Texting while driving	$757	$129
Wrong way/wrong lane	$757	$127
Failure to stop at a red light	$762	$130
Improper passing	$768	$128
Speeding 16 - 20 MPH over limit	$768	$131
At-fault accident - less than $1000	$793	$132
Passing school bus	$798	$136
Speeding 21 - 25 MPH over limit	$818	$136
In 65 MPH zone	$828	$141
At-fault accident - $1000-$2000	$914	$152
At-fault accident - greater than $2000	$919	$156
Open container	$919	$153
Operating a vehicle without permission	$924	$157
Reckless driving	$1171	$196
Racing	$1192	$202
Refusal to submit to a chemical test	$1192	$199
Driving with a suspended license	$1202	$204
DUI	$1212	$202
Leaving scene of an accident/hit and run	$1247	$212

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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 Montezuma 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 Montezuma.

The cheapest car insurance premiums in Montezuma are offered by American Family at $131 for a six-month policy. However, it can be as expensive as $2247 with companies like Cincinnati.

Montezuma car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$131	$22
Travelers	$419	$71
Progressive	$505	$85
Erie	$520	$88
USAA	$591	$99
State Farm	$813	$139
Nationwide	$929	$156
Farmers	$1010	$172
Auto-Owners	$1298	$216
Allstate	$1328	$224
Grange	$1499	$250
Westfield	$1949	$332
Cincinnati	$2247	$375

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 Montezuma are offered by American Family at $131. However, it can be as expensive as $1338 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Montezuma after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$131	$22
Auto-Owners Insurance Co	$131	$22
Erie	$374	$63
Progressive	$520	$88
USAA	$536	$89
Westfield	$601	$101
Nationwide	$606	$102
Auto-Owners	$687	$116
Cincinnati	$1085	$181
Allstate	$1267	$216
Grange	$1338	$223

Car Insurance Price Trends in Montezuma, Ohio

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

The average cost of full coverage in the Montezuma rose by $127 in January compared to $101 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 Montezuma rose to $33 in January, compared to $31 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Montezuma?

The car insurance in Montezuma is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Montezuma?

The cheapest car insurance in Montezuma is $34 per month for full coverage.

How much is car insurance in Montezuma for teenagers?

Car insurance for teenagers costs $111 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 Montezuma?

The average cost of car insurance is $743 for a six-month policy. It will cost around $106 per month to insure your car in Montezuma.

Is car insurance expensive in Montezuma?

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

Cheapest Car Insurance Quotes in Montezuma

Why you can trust Way?

How Much Is Car Insurance in Montezuma

Avg. Car Insurance in Montezuma

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Montezuma

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Montezuma Car Insurance Rates by Company

Cheap Car Insurance Companies in Montezuma, OH

Way's key takeaways about car insurance in Montezuma

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Montezuma

Cheapest Liability Coverage in Montezuma, OH

Cheapest Full Coverage Car Insurance in Montezuma

Cheapest Full Coverage Car Insurance Quotes in Montezuma, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Montezuma by Rating Factor

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

Car Insurance Premiums by Age in Montezuma

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Montezuma,OH

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

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 Montezuma

Cheapest Car Insurance Companies after an At-Fault Accident in Montezuma

Montezuma Car Insurance Rates by Violation

Montezuma auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Montezuma after a DUI

Montezuma car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Montezuma after Speeding ticket

Car Insurance Price Trends in Montezuma, Ohio

Average Car Insurance Cost in Montezuma by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Montezuma, OH

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

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