Cheapest Car Insurance Quotes in Mount Healthy

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399,755 Policies Sold

Mount Healthy 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 Mount Healthy

The car insurance rate in Mount Healthy is $755 for a six-month policy, which is $87 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $269, making it a popular choice for budget-conscious drivers. Rates in Mount Healthy 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 Healthy

$755

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Mount Healthy

1st place: American Family

At $269 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 $429 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $671 for six months, making it the third cheapest auto insurance company in Mount Healthy.

Mount Healthy Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mount Healthy, OH is American Family, offering policies at just $269 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $429.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $859 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Healthy drivers find the best deals.

Cheap Car Insurance Companies in Mount Healthy, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$269	$45
Auto-Owners Insurance Co	$429	$71
Travelers	$671	$114
Erie	$678	$114
State Farm	$685	$116
USAA	$685	$115
Hastings Mutual	$698	$119
Nationwide	$705	$119
Central Mutual	$812	$138
Progressive	$819	$138
Farmers	$993	$168
Grange	$1061	$176
Allstate	$1215	$205
Westfield	$859	$146

Key Takeaways

Way's key takeaways about car insurance in Mount Healthy

The auto insurance costs in Mount Healthy fall around $269 for six months.
The cheapest auto insurance company in Mount Healthy is American Family.
Teen drivers pay the highest rate in Mount Healthy at $799 per month.

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Cheapest Minimum Liability Car Insurance in Mount Healthy

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 Healthy are given below.

American Family provides the cheapest minimum car insurance coverage in Mount Healthy. Their Average 6 Month Premium is $141. Allstate is the most expensive at $510 for the same period.

Cheapest Liability Coverage in Mount Healthy, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$141	$24
Central Mutual	$155	$26
Auto-Owners Insurance Co	$168	$28
Westfield	$174	$29
USAA	$181	$31
Erie	$201	$34
State Farm	$221	$37
Progressive	$242	$41
Nationwide	$269	$45
Travelers	$281	$47
Auto-Owners	$295	$50
Farmers	$376	$64
Grange	$409	$68
Allstate	$510	$86

Cheapest Full Coverage Car Insurance in Mount Healthy

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 Healthy is American Family at $45 per month and $269 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mount Healthy, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$269	$45
Auto-Owners Insurance Co	$429	$71
Travelers	$671	$114
Erie	$678	$114
State Farm	$685	$116
USAA	$685	$115
Hastings Mutual	$698	$119
Nationwide	$705	$119
Central Mutual	$812	$138
Progressive	$819	$138
Farmers	$993	$168
Grange	$1061	$176
Allstate	$1215	$205
Westfield	$859	$146

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Average Car Insurance in Mount Healthy 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 Healthy, OH increasing?

Despite maintaining a clean driving record, your car insurance rates in Mount Healthy, 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 Healthy'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 Healthy

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	$609
30s	USAA	$431
40s	USAA	$391
50s	USAA	$362
60s	USAA	$380
70s	USAA	$460

Cheapest Car Insurance Rates for Teen Drivers in Mount Healthy,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 Healthy at $25 per month. At $4699 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$148	$25
Westfield	$181	$31
USAA	$933	$157
Erie	$993	$167
Travelers	$1215	$205
Nationwide	$1893	$319
Progressive	$1900	$320
Allstate	$2584	$435
State Farm	$2785	$473
Grange	$3075	$512
Farmers	$4699	$799

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 Healthy.

As young drivers face the highest rates in Mount Healthy, USAA offers the cheapest auto insurance rates at $609 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 Healthy, American Family is the cheapest car insurance provider. At $228 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 Healthy is Allstate, offering rates of around $1940 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$228	$38
Westfield	$288	$49
Nationwide	$765	$129
Erie	$792	$133
Progressive	$792	$133
USAA	$859	$144
Grange	$879	$148
Allstate	$1940	$323

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

Car Insurance Rates with An Accident in Mount Healthy

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

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

The cheapest car insurance companies after an at-fault accident in Mount Healthy include Central Mutual and American Family, offering $155 and $174, respectively. Frankenmuth is an expensive provider with an average six-month premium of $276.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$155	$26
American Family	$174	$29
Auto-Owners Insurance Co	$269	$45
Westfield	$269	$45
Erie	$370	$62
Nationwide	$772	$130
Travelers	$1034	$174
Grange	$1295	$220
USAA	$1363	$229
Auto-Owners	$1537	$259
Progressive	$2175	$366
Allstate	$2564	$432
State Farm	$5155	$859
Frankenmuth	$276	$46

Mount Healthy Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mount Healthy OH. For example, the car insurance in Mount Healthy after a DUI increases to $785 for a six month policy. While the rate increases by $174 for a six-month policy in the case of a speeding ticket.

Mount Healthy auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$826	$138
One Med/PIP claim	$845	$144
Not-at-fault accident	$859	$144
One comp claim	$879	$149
Two Med/PIP claims	$879	$147
Two comp claims	$920	$156
Failure to show documents	$927	$155
Driving without lights	$947	$160
Failure to wear a seat belt	$947	$158
Child safety restraint	$966	$164
Driving with expired registration	$966	$162
Driving too slowly	$1000	$169
Speeding 11 - 15 MPH over limit	$1000	$167
Speeding 6 - 10 MPH over limit	$1000	$169
Speeding in school zone	$1000	$167
Cell phone violation	$1007	$172
Failure to yield	$1007	$168
Following too closely	$1007	$172
Illegal turn	$1007	$168
Texting while driving	$1007	$172
Wrong way/wrong lane	$1007	$168
Failure to stop at a red light	$1014	$173
Improper passing	$1020	$169
Speeding 16 - 20 MPH over limit	$1020	$174
At-fault accident - less than $1000	$1054	$175
Passing school bus	$1061	$181
Speeding 21 - 25 MPH over limit	$1087	$181
In 65 MPH zone	$1101	$188
At-fault accident - $1000-$2000	$1215	$202
At-fault accident - greater than $2000	$1222	$208
Open container	$1222	$203
Operating a vehicle without permission	$1228	$209
Reckless driving	$1557	$260
Racing	$1584	$269
Refusal to submit to a chemical test	$1584	$264
Driving with a suspended license	$1598	$271
DUI	$1611	$269
Leaving scene of an accident/hit and run	$1658	$281

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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 Healthy 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 Healthy.

The cheapest car insurance premiums in Mount Healthy are offered by American Family at $174 for a six-month policy. However, it can be as expensive as $1698 with companies like Grange.

Mount Healthy car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$174	$29
Erie	$523	$88
Travelers	$557	$94
Progressive	$651	$110
USAA	$678	$114
Nationwide	$986	$166
State Farm	$1080	$184
Farmers	$1342	$224
Allstate	$1644	$277
Grange	$1698	$283

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 Healthy are offered by American Family at $174. However, it can be as expensive as $1523 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Mount Healthy after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$174	$29
Auto-Owners Insurance Co	$174	$29
Westfield	$188	$32
Erie	$390	$66
USAA	$617	$103
Nationwide	$644	$108
Progressive	$678	$114
Allstate	$1477	$251
Grange	$1523	$254

Car Insurance Price Trends in Mount Healthy, Ohio

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

The average cost of full coverage in the Mount Healthy rose by $134 in December compared to $131 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 Mount Healthy rose to $41 in December, compared to $40 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 Mount Healthy?

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

What is the cheapest car insurance in Mount Healthy?

The cheapest car insurance in Mount Healthy is $45 per month for full coverage.

How much is car insurance in Mount Healthy for teenagers?

Car insurance for teenagers costs $148 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 Healthy?

The average cost of car insurance is $668 for a six-month policy. It will cost around $127 per month to insure your car in Mount Healthy.

Is car insurance expensive in Mount Healthy?

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

Cheapest Car Insurance Quotes in Mount Healthy

Why you can trust Way?

How Much Is Car Insurance in Mount Healthy

Avg. Car Insurance in Mount Healthy

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Mount Healthy

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Mount Healthy Car Insurance Rates by Company

Cheap Car Insurance Companies in Mount Healthy, OH

Way's key takeaways about car insurance in Mount Healthy

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mount Healthy

Cheapest Liability Coverage in Mount Healthy, OH

Cheapest Full Coverage Car Insurance in Mount Healthy

Cheapest Full Coverage Car Insurance Quotes in Mount Healthy, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mount Healthy by Rating Factor

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

Car Insurance Premiums by Age in Mount Healthy

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Healthy

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

Mount Healthy Car Insurance Rates by Violation

Mount Healthy auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mount Healthy after a DUI

Mount Healthy car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mount Healthy after Speeding ticket

Car Insurance Price Trends in Mount Healthy, Ohio

Average Car Insurance Cost in Mount Healthy by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mount Healthy, OH

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

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