Cheapest Car Insurance Quotes in Mount Eaton

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Mount Eaton Car Insurance

^$ 20

/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 Mount Eaton

The car insurance rate in Mount Eaton is $698 for a six-month policy, which is $45 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $224, making it a popular choice for budget-conscious drivers. Rates in Mount Eaton 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 Mount Eaton

$698

Avg. Car Insurance in Ohio

$743

National Average

$1278

Cheapest Car Insurance Companies in Mount Eaton

1st place: American Family

At $224 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 $357 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $558 for six months, making it the third cheapest auto insurance company in Mount Eaton.

Mount Eaton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mount Eaton, OH is American Family, offering policies at just $224 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $357.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1072 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Eaton drivers find the best deals.

Cheap Car Insurance Companies in Mount Eaton, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$224	$38
Auto-Owners Insurance Co	$357	$59
Travelers	$558	$95
State Farm	$570	$95
Hastings Mutual	$581	$99
USAA	$587	$99
Erie	$608	$102
Nationwide	$642	$108
Central Mutual	$676	$115
Progressive	$703	$118
Auto-Owners	$760	$129
Farmers	$826	$138
Westfield	$972	$165
Cincinnati	$1016	$169
Grange	$1033	$176
Allstate	$1072	$180

Key Takeaways

Way's key takeaways about car insurance in Mount Eaton

The auto insurance costs in Mount Eaton fall around $224 for six months.
The cheapest auto insurance company in Mount Eaton is American Family.
Teen drivers pay the highest rate in Mount Eaton at $665 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 Mount Eaton

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 Mount Eaton are given below.

American Family provides the cheapest minimum car insurance coverage in Mount Eaton. Their Average 6 Month Premium is $118. Allstate is the most expensive at $424 for the same period.

Cheapest Liability Coverage in Mount Eaton, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$118	$20
Central Mutual	$129	$22
Auto-Owners Insurance Co	$140	$24
USAA	$162	$27
Erie	$173	$29
Westfield	$173	$29
State Farm	$184	$31
Progressive	$212	$36
Auto-Owners	$234	$39
Travelers	$234	$39
Nationwide	$285	$48
Farmers	$313	$52
Grange	$368	$63
Cincinnati	$391	$65
Allstate	$424	$71

Cheapest Full Coverage Car Insurance in Mount Eaton

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 Mount Eaton is American Family at $38 per month and $224 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mount Eaton, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$224	$38
Auto-Owners Insurance Co	$357	$59
Travelers	$558	$95
State Farm	$570	$95
Hastings Mutual	$581	$99
USAA	$587	$99
Erie	$608	$102
Nationwide	$642	$108
Central Mutual	$676	$115
Progressive	$703	$118
Auto-Owners	$760	$129
Farmers	$826	$138
Westfield	$972	$165
Cincinnati	$1016	$169
Grange	$1033	$176
Allstate	$1072	$180

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Average Car Insurance in Mount Eaton 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 Mount Eaton, OH increasing?

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

Car Insurance Premiums by Age in Mount Eaton

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	$534
30s	USAA	$378
40s	USAA	$342
50s	USAA	$317
60s	USAA	$333
70s	USAA	$403

Cheapest Car Insurance Rates for Teen Drivers in Mount Eaton,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Mount Eaton at $21 per month. At $3909 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$123	$21
USAA	$754	$127
Erie	$866	$146
Travelers	$1010	$170
Westfield	$1128	$190
Progressive	$1625	$274
Nationwide	$2072	$349
Auto-Owners	$2211	$368
Allstate	$2262	$381
State Farm	$2317	$386
Cincinnati	$2937	$499
Grange	$2965	$494
Farmers	$3909	$665

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 Mount Eaton.

As young drivers face the highest rates in Mount Eaton, USAA offers the cheapest auto insurance rates at $534 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 Mount Eaton, American Family is the cheapest car insurance provider. At $190 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 Mount Eaton is AutoOwners, offering rates of around $2122 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$190	$32
Progressive	$698	$118
Nationwide	$804	$135
USAA	$821	$137
Grange	$832	$140
Erie	$849	$143
Westfield	$994	$167
Cincinnati	$1536	$256
Allstate	$1831	$311
Auto-Owners	$2122	$353

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Mount Eaton

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Eaton

The cheapest car insurance companies after an at-fault accident in Mount Eaton include Central Mutual and American Family, offering $129 and $145, respectively. State Farm is an expensive provider with an average six-month premium of $4288.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$129	$22
American Family	$145	$24
Auto-Owners Insurance Co	$224	$38
Erie	$397	$67
Westfield	$592	$100
Nationwide	$804	$135
Travelers	$860	$145
USAA	$1162	$196
Auto-Owners	$1206	$203
Grange	$1267	$215
Progressive	$1842	$310
Cincinnati	$1893	$321
Allstate	$2256	$380
State Farm	$4288	$729

Mount Eaton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mount Eaton OH. For example, the car insurance in Mount Eaton after a DUI increases to $653 for a six month policy. While the rate increases by $145 for a six-month policy in the case of a speeding ticket.

Mount Eaton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$687	$115
One Med/PIP claim	$703	$119
Not-at-fault accident	$714	$119
One comp claim	$731	$124
Two Med/PIP claims	$731	$122
Two comp claims	$765	$130
Failure to show documents	$771	$129
Driving without lights	$788	$133
Failure to wear a seat belt	$788	$132
Child safety restraint	$804	$136
Driving with expired registration	$804	$134
Driving too slowly	$832	$141
Speeding 11 - 15 MPH over limit	$832	$139
Speeding 6 - 10 MPH over limit	$832	$141
Speeding in school zone	$832	$139
Cell phone violation	$838	$143
Failure to yield	$838	$140
Following too closely	$838	$143
Illegal turn	$838	$140
Texting while driving	$838	$143
Wrong way/wrong lane	$838	$140
Failure to stop at a red light	$843	$144
Improper passing	$849	$141
Speeding 16 - 20 MPH over limit	$849	$145
At-fault accident - less than $1000	$877	$146
Passing school bus	$883	$150
Speeding 21 - 25 MPH over limit	$904	$150
In 65 MPH zone	$916	$156
At-fault accident - $1000-$2000	$1010	$168
At-fault accident - greater than $2000	$1016	$173
Open container	$1016	$169
Operating a vehicle without permission	$1022	$174
Reckless driving	$1295	$216
Racing	$1318	$224
Refusal to submit to a chemical test	$1318	$220
Driving with a suspended license	$1329	$226
DUI	$1340	$224
Leaving scene of an accident/hit and run	$1379	$234

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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 Mount Eaton 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 Mount Eaton.

The cheapest car insurance premiums in Mount Eaton are offered by American Family at $145 for a six-month policy. However, it can be as expensive as $2484 with companies like Cincinnati.

Mount Eaton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$145	$24
Travelers	$463	$78
Progressive	$558	$94
Erie	$575	$97
USAA	$653	$110
State Farm	$899	$153
Nationwide	$1027	$173
Farmers	$1117	$190
Auto-Owners	$1435	$239
Allstate	$1468	$247
Grange	$1658	$276
Westfield	$2155	$367
Cincinnati	$2484	$415

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 Mount Eaton are offered by American Family at $145. However, it can be as expensive as $1480 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Mount Eaton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$145	$24
Auto-Owners Insurance Co	$145	$24
Erie	$414	$70
Progressive	$575	$97
USAA	$592	$99
Westfield	$665	$112
Nationwide	$670	$113
Auto-Owners	$760	$129
Cincinnati	$1200	$200
Allstate	$1402	$239
Grange	$1480	$246

Car Insurance Price Trends in Mount Eaton, Ohio

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

The average cost of full coverage in the Mount Eaton rose by $140 in January compared to $112 of December. In other words, there has been an increase by $28 when you compare January and December.

The average cost of liability insurance in the Mount Eaton rose to $37 in January, compared to $34 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 Mount Eaton?

The car insurance in Mount Eaton is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Mount Eaton?

The cheapest car insurance in Mount Eaton is $38 per month for full coverage.

How much is car insurance in Mount Eaton for teenagers?

Car insurance for teenagers costs $123 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 Mount Eaton?

The average cost of car insurance is $743 for a six-month policy. It will cost around $118 per month to insure your car in Mount Eaton.

Is car insurance expensive in Mount Eaton?

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

Cheapest Car Insurance Quotes in Mount Eaton

Why you can trust Way?

How Much Is Car Insurance in Mount Eaton

Avg. Car Insurance in Mount Eaton

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Mount Eaton

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Mount Eaton Car Insurance Rates by Company

Cheap Car Insurance Companies in Mount Eaton, OH

Way's key takeaways about car insurance in Mount Eaton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mount Eaton

Cheapest Liability Coverage in Mount Eaton, OH

Cheapest Full Coverage Car Insurance in Mount Eaton

Cheapest Full Coverage Car Insurance Quotes in Mount Eaton, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mount Eaton by Rating Factor

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

Car Insurance Premiums by Age in Mount Eaton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mount Eaton,OH

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

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 Mount Eaton

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Eaton

Mount Eaton Car Insurance Rates by Violation

Mount Eaton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mount Eaton after a DUI

Mount Eaton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mount Eaton after Speeding ticket

Car Insurance Price Trends in Mount Eaton, Ohio

Average Car Insurance Cost in Mount Eaton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mount Eaton, OH

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

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