Cheapest Car Insurance Quotes in Morrow

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Morrow 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 Morrow

The car insurance rate in Morrow is $758 for a six-month policy, which is $15 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $243, making it a popular choice for budget-conscious drivers. Rates in Morrow 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 Morrow

$758

Avg. Car Insurance in Ohio

$743

National Average

$1278

Cheapest Car Insurance Companies in Morrow

1st place: American Family

At $243 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 $388 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $606 for six months, making it the third cheapest auto insurance company in Morrow.

Morrow Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Morrow, OH is American Family, offering policies at just $243 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $388.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1163 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Morrow drivers find the best deals.

Cheap Car Insurance Companies in Morrow, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$243	$41
Auto-Owners Insurance Co	$388	$64
Travelers	$606	$103
State Farm	$618	$103
Hastings Mutual	$630	$107
USAA	$636	$107
Erie	$660	$111
Nationwide	$697	$117
Central Mutual	$733	$124
Progressive	$763	$129
Auto-Owners	$824	$140
Farmers	$897	$150
Westfield	$1055	$180
Cincinnati	$1103	$184
Grange	$1121	$191
Allstate	$1163	$196

Key Takeaways

Way's key takeaways about car insurance in Morrow

The auto insurance costs in Morrow fall around $243 for six months.
The cheapest auto insurance company in Morrow is American Family.
Teen drivers pay the highest rate in Morrow at $721 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Morrow

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 Morrow are given below.

American Family provides the cheapest minimum car insurance coverage in Morrow. Their Average 6 Month Premium is $128. Allstate is the most expensive at $460 for the same period.

Cheapest Liability Coverage in Morrow, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$128	$21
Central Mutual	$140	$23
Auto-Owners Insurance Co	$152	$26
USAA	$175	$30
Erie	$188	$32
Westfield	$188	$32
State Farm	$200	$34
Progressive	$231	$39
Auto-Owners	$254	$43
Travelers	$254	$43
Nationwide	$309	$52
Farmers	$340	$56
Grange	$400	$68
Cincinnati	$424	$70
Allstate	$460	$78

Cheapest Full Coverage Car Insurance in Morrow

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 Morrow is American Family at $41 per month and $243 for six months.

Cheapest Full Coverage Car Insurance Quotes in Morrow, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$243	$41
Auto-Owners Insurance Co	$388	$64
Travelers	$606	$103
State Farm	$618	$103
Hastings Mutual	$630	$107
USAA	$636	$107
Erie	$660	$111
Nationwide	$697	$117
Central Mutual	$733	$124
Progressive	$763	$129
Auto-Owners	$824	$140
Farmers	$897	$150
Westfield	$1055	$180
Cincinnati	$1103	$184
Grange	$1121	$191
Allstate	$1163	$196

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Average Car Insurance in Morrow 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 Morrow, OH increasing?

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

Car Insurance Premiums by Age in Morrow

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	$579
30s	USAA	$410
40s	USAA	$371
50s	USAA	$344
60s	USAA	$361
70s	USAA	$438

Cheapest Car Insurance Rates for Teen Drivers in Morrow,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Morrow at $22 per month. At $4241 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$134	$22
USAA	$818	$138
Erie	$939	$158
Travelers	$1097	$185
Westfield	$1224	$206
Progressive	$1764	$297
Nationwide	$2248	$378
Auto-Owners	$2399	$400
Allstate	$2454	$413
State Farm	$2514	$419
Cincinnati	$3186	$542
Grange	$3217	$537
Farmers	$4241	$721

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 Morrow.

As young drivers face the highest rates in Morrow, USAA offers the cheapest auto insurance rates at $579 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 Morrow, American Family is the cheapest car insurance provider. At $206 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 Morrow is AutoOwners, offering rates of around $2302 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$206	$35
Progressive	$758	$128
Nationwide	$872	$147
USAA	$890	$149
Grange	$903	$152
Erie	$921	$155
Westfield	$1078	$182
Cincinnati	$1667	$277
Allstate	$1987	$338
Auto-Owners	$2302	$384

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

Car Insurance Rates with An Accident in Morrow

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

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

The cheapest car insurance companies after an at-fault accident in Morrow include Central Mutual and American Family, offering $140 and $157, respectively. State Farm is an expensive provider with an average six-month premium of $4653.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$140	$23
American Family	$157	$27
Auto-Owners Insurance Co	$243	$41
Erie	$430	$72
Westfield	$643	$108
Nationwide	$872	$147
Travelers	$933	$157
USAA	$1261	$212
Auto-Owners	$1309	$220
Grange	$1375	$234
Progressive	$1999	$337
Cincinnati	$2054	$349
Allstate	$2448	$412
State Farm	$4653	$792

Morrow Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Morrow OH. For example, the car insurance in Morrow after a DUI increases to $709 for a six month policy. While the rate increases by $157 for a six-month policy in the case of a speeding ticket.

Morrow auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$746	$124
One Med/PIP claim	$763	$130
Not-at-fault accident	$775	$130
One comp claim	$794	$135
Two Med/PIP claims	$794	$133
Two comp claims	$830	$141
Failure to show documents	$836	$140
Driving without lights	$855	$145
Failure to wear a seat belt	$855	$143
Child safety restraint	$872	$148
Driving with expired registration	$872	$146
Driving too slowly	$903	$153
Speeding 11 - 15 MPH over limit	$903	$151
Speeding 6 - 10 MPH over limit	$903	$153
Speeding in school zone	$903	$151
Cell phone violation	$909	$155
Failure to yield	$909	$152
Following too closely	$909	$155
Illegal turn	$909	$152
Texting while driving	$909	$155
Wrong way/wrong lane	$909	$152
Failure to stop at a red light	$915	$156
Improper passing	$921	$153
Speeding 16 - 20 MPH over limit	$921	$157
At-fault accident - less than $1000	$952	$158
Passing school bus	$958	$163
Speeding 21 - 25 MPH over limit	$981	$163
In 65 MPH zone	$993	$169
At-fault accident - $1000-$2000	$1097	$183
At-fault accident - greater than $2000	$1103	$188
Open container	$1103	$184
Operating a vehicle without permission	$1109	$189
Reckless driving	$1406	$235
Racing	$1430	$243
Refusal to submit to a chemical test	$1430	$239
Driving with a suspended license	$1442	$245
DUI	$1455	$243
Leaving scene of an accident/hit and run	$1496	$254

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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 Morrow 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 Morrow.

The cheapest car insurance premiums in Morrow are offered by American Family at $157 for a six-month policy. However, it can be as expensive as $2696 with companies like Cincinnati.

Morrow car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$157	$27
Travelers	$503	$85
Progressive	$606	$102
Erie	$624	$105
USAA	$709	$119
State Farm	$975	$166
Nationwide	$1115	$188
Farmers	$1212	$206
Auto-Owners	$1558	$259
Allstate	$1593	$268
Grange	$1799	$300
Westfield	$2339	$398
Cincinnati	$2696	$450

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 Morrow are offered by American Family at $157. However, it can be as expensive as $1605 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Morrow after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$157	$27
Auto-Owners Insurance Co	$157	$27
Erie	$449	$75
Progressive	$624	$105
USAA	$643	$107
Westfield	$721	$121
Nationwide	$727	$122
Auto-Owners	$824	$140
Cincinnati	$1303	$217
Allstate	$1521	$259
Grange	$1605	$267

Car Insurance Price Trends in Morrow, Ohio

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

The average cost of full coverage in the Morrow rose by $152 in January compared to $121 of December. In other words, there has been an increase by $31 when you compare January and December.

The average cost of liability insurance in the Morrow rose to $40 in January, compared to $37 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Morrow?

The car insurance in Morrow is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Morrow?

The cheapest car insurance in Morrow is $41 per month for full coverage.

How much is car insurance in Morrow for teenagers?

Car insurance for teenagers costs $134 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 Morrow?

The average cost of car insurance is $743 for a six-month policy. It will cost around $128 per month to insure your car in Morrow.

Is car insurance expensive in Morrow?

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

Cheapest Car Insurance Quotes in Morrow

Why you can trust Way?

How Much Is Car Insurance in Morrow

Avg. Car Insurance in Morrow

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Morrow

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Morrow Car Insurance Rates by Company

Cheap Car Insurance Companies in Morrow, OH

Way's key takeaways about car insurance in Morrow

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Morrow

Cheapest Liability Coverage in Morrow, OH

Cheapest Full Coverage Car Insurance in Morrow

Cheapest Full Coverage Car Insurance Quotes in Morrow, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Morrow by Rating Factor

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

Car Insurance Premiums by Age in Morrow

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Morrow,OH

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

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 Morrow

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

Morrow Car Insurance Rates by Violation

Morrow auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Morrow after a DUI

Morrow car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Morrow after Speeding ticket

Car Insurance Price Trends in Morrow, Ohio

Average Car Insurance Cost in Morrow by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Morrow, OH

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

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