Cheapest Car Insurance Quotes in Moreland Hills

Finding the cheapest car insurance quotes in Moreland Hills 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.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Moreland Hills Car Insurance

^$ 22

/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 Moreland Hills

The car insurance rate in Moreland Hills is $788 for a six-month policy, which is $45 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $252, making it a popular choice for budget-conscious drivers. Rates in Moreland Hills 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 Moreland Hills

$788

Avg. Car Insurance in Ohio

$743

National Average

$1278

Cheapest Car Insurance Companies in Moreland Hills

1st place: American Family

At $252 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 $403 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $630 for six months, making it the third cheapest auto insurance company in Moreland Hills.

Moreland Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Moreland Hills, OH is American Family, offering policies at just $252 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $403.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1208 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Moreland Hills drivers find the best deals.

Cheap Car Insurance Companies in Moreland Hills, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$252	$42
Auto-Owners Insurance Co	$403	$67
Travelers	$630	$107
State Farm	$642	$107
Hastings Mutual	$655	$111
USAA	$661	$111
Erie	$686	$116
Nationwide	$724	$122
Central Mutual	$762	$129
Progressive	$793	$134
Auto-Owners	$856	$145
Farmers	$932	$156
Westfield	$1096	$187
Cincinnati	$1146	$191
Grange	$1165	$198
Allstate	$1208	$204

Key Takeaways

Way's key takeaways about car insurance in Moreland Hills

The auto insurance costs in Moreland Hills fall around $252 for six months.
The cheapest auto insurance company in Moreland Hills is American Family.
Teen drivers pay the highest rate in Moreland Hills at $749 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 Moreland Hills

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 Moreland Hills are given below.

American Family provides the cheapest minimum car insurance coverage in Moreland Hills. Their Average 6 Month Premium is $133. Allstate is the most expensive at $478 for the same period.

Cheapest Liability Coverage in Moreland Hills, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$133	$22
Central Mutual	$145	$24
Auto-Owners Insurance Co	$158	$27
USAA	$182	$31
Erie	$195	$33
Westfield	$195	$33
State Farm	$208	$35
Progressive	$240	$40
Auto-Owners	$264	$45
Travelers	$264	$45
Nationwide	$321	$54
Farmers	$353	$58
Grange	$416	$71
Cincinnati	$441	$73
Allstate	$478	$81

Cheapest Full Coverage Car Insurance in Moreland Hills

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 Moreland Hills is American Family at $42 per month and $252 for six months.

Cheapest Full Coverage Car Insurance Quotes in Moreland Hills, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$252	$42
Auto-Owners Insurance Co	$403	$67
Travelers	$630	$107
State Farm	$642	$107
Hastings Mutual	$655	$111
USAA	$661	$111
Erie	$686	$116
Nationwide	$724	$122
Central Mutual	$762	$129
Progressive	$793	$134
Auto-Owners	$856	$145
Farmers	$932	$156
Westfield	$1096	$187
Cincinnati	$1146	$191
Grange	$1165	$198
Allstate	$1208	$204

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Moreland Hills Instantly!

Average Car Insurance in Moreland Hills 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 Moreland Hills, OH increasing?

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

Car Insurance Premiums by Age in Moreland Hills

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	$602
30s	USAA	$426
40s	USAA	$386
50s	USAA	$357
60s	USAA	$375
70s	USAA	$455

Cheapest Car Insurance Rates for Teen Drivers in Moreland Hills,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Moreland Hills at $23 per month. At $4407 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$139	$23
USAA	$850	$143
Erie	$976	$164
Travelers	$1140	$192
Westfield	$1272	$214
Progressive	$1833	$308
Nationwide	$2336	$393
Auto-Owners	$2493	$416
Allstate	$2550	$429
State Farm	$2613	$436
Cincinnati	$3311	$563
Grange	$3343	$558
Farmers	$4407	$749

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 Moreland Hills.

As young drivers face the highest rates in Moreland Hills, USAA offers the cheapest auto insurance rates at $602 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 Moreland Hills, American Family is the cheapest car insurance provider. At $214 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 Moreland Hills is AutoOwners, offering rates of around $2392 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$214	$36
Progressive	$788	$133
Nationwide	$906	$153
USAA	$925	$155
Grange	$938	$158
Erie	$957	$161
Westfield	$1120	$189
Cincinnati	$1732	$288
Allstate	$2065	$351
Auto-Owners	$2392	$399

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Moreland Hills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Moreland Hills

The cheapest car insurance companies after an at-fault accident in Moreland Hills include Central Mutual and American Family, offering $145 and $163, respectively. State Farm is an expensive provider with an average six-month premium of $4836.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$145	$24
American Family	$163	$28
Auto-Owners Insurance Co	$252	$42
Erie	$447	$75
Westfield	$668	$112
Nationwide	$906	$153
Travelers	$970	$163
USAA	$1310	$220
Auto-Owners	$1360	$229
Grange	$1429	$243
Progressive	$2078	$350
Cincinnati	$2135	$363
Allstate	$2544	$428
State Farm	$4836	$823

Moreland Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Moreland Hills OH. For example, the car insurance in Moreland Hills after a DUI increases to $737 for a six month policy. While the rate increases by $163 for a six-month policy in the case of a speeding ticket.

Moreland Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$775	$129
One Med/PIP claim	$793	$135
Not-at-fault accident	$806	$135
One comp claim	$825	$140
Two Med/PIP claims	$825	$138
Two comp claims	$863	$146
Failure to show documents	$869	$145
Driving without lights	$888	$151
Failure to wear a seat belt	$888	$148
Child safety restraint	$906	$154
Driving with expired registration	$906	$152
Driving too slowly	$938	$159
Speeding 11 - 15 MPH over limit	$938	$157
Speeding 6 - 10 MPH over limit	$938	$159
Speeding in school zone	$938	$157
Cell phone violation	$944	$161
Failure to yield	$944	$158
Following too closely	$944	$161
Illegal turn	$944	$158
Texting while driving	$944	$161
Wrong way/wrong lane	$944	$158
Failure to stop at a red light	$951	$162
Improper passing	$957	$159
Speeding 16 - 20 MPH over limit	$957	$163
At-fault accident - less than $1000	$989	$164
Passing school bus	$995	$170
Speeding 21 - 25 MPH over limit	$1020	$170
In 65 MPH zone	$1032	$176
At-fault accident - $1000-$2000	$1140	$190
At-fault accident - greater than $2000	$1146	$195
Open container	$1146	$191
Operating a vehicle without permission	$1152	$196
Reckless driving	$1461	$244
Racing	$1486	$252
Refusal to submit to a chemical test	$1486	$248
Driving with a suspended license	$1499	$254
DUI	$1512	$252
Leaving scene of an accident/hit and run	$1555	$264

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 Moreland Hills 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 Moreland Hills.

The cheapest car insurance premiums in Moreland Hills are offered by American Family at $163 for a six-month policy. However, it can be as expensive as $2802 with companies like Cincinnati.

Moreland Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$163	$28
Travelers	$523	$88
Progressive	$630	$106
Erie	$649	$109
USAA	$737	$124
State Farm	$1013	$173
Nationwide	$1159	$195
Farmers	$1259	$214
Auto-Owners	$1619	$269
Allstate	$1656	$279
Grange	$1870	$312
Westfield	$2431	$413
Cincinnati	$2802	$467

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 Moreland Hills are offered by American Family at $163. However, it can be as expensive as $1668 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Moreland Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$163	$28
Auto-Owners Insurance Co	$163	$28
Erie	$466	$78
Progressive	$649	$109
USAA	$668	$111
Westfield	$749	$126
Nationwide	$756	$127
Auto-Owners	$856	$145
Cincinnati	$1354	$226
Allstate	$1580	$269
Grange	$1668	$278

Car Insurance Price Trends in Moreland Hills, Ohio

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

The average cost of full coverage in the Moreland Hills rose by $158 in January compared to $126 of December. In other words, there has been an increase by $32 when you compare January and December.

The average cost of liability insurance in the Moreland Hills rose to $41 in January, compared to $38 in December. This represents an increase of $3 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Moreland Hills?

The car insurance in Moreland Hills is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Moreland Hills?

The cheapest car insurance in Moreland Hills is $42 per month for full coverage.

How much is car insurance in Moreland Hills for teenagers?

Car insurance for teenagers costs $139 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 Moreland Hills?

The average cost of car insurance is $743 for a six-month policy. It will cost around $133 per month to insure your car in Moreland Hills.

Is car insurance expensive in Moreland Hills?

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

Cheapest Car Insurance Quotes in Moreland Hills

Why you can trust Way?

How Much Is Car Insurance in Moreland Hills

Avg. Car Insurance in Moreland Hills

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Moreland Hills

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Moreland Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Moreland Hills, OH

Way's key takeaways about car insurance in Moreland Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Moreland Hills

Cheapest Liability Coverage in Moreland Hills, OH

Cheapest Full Coverage Car Insurance in Moreland Hills

Cheapest Full Coverage Car Insurance Quotes in Moreland Hills, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Moreland Hills by Rating Factor

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

Car Insurance Premiums by Age in Moreland Hills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Moreland Hills,OH

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

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 Moreland Hills

Cheapest Car Insurance Companies after an At-Fault Accident in Moreland Hills

Moreland Hills Car Insurance Rates by Violation

Moreland Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Moreland Hills after a DUI

Moreland Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Moreland Hills after Speeding ticket

Car Insurance Price Trends in Moreland Hills, Ohio

Average Car Insurance Cost in Moreland Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Moreland Hills, OH

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

Featured Blogs

Data Sources