Cheapest Car Insurance Quotes in Mount Repose

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Mount Repose 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 Mount Repose

The car insurance rate in Mount Repose is $681 for a six-month policy, which is $13 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 Mount Repose 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 Repose

$681

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Mount Repose

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 Mount Repose.

Mount Repose Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mount Repose, 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, Westfield is the most expensive, with rates reaching $775 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Repose drivers find the best deals.

Cheap Car Insurance Companies in Mount Repose, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$243	$41
Auto-Owners Insurance Co	$388	$64
Travelers	$606	$103
Erie	$612	$103
State Farm	$618	$105
USAA	$618	$104
Hastings Mutual	$630	$107
Nationwide	$636	$107
Central Mutual	$733	$124
Progressive	$740	$124
Farmers	$897	$152
Grange	$958	$159
Allstate	$1097	$185
Westfield	$775	$132

Key Takeaways

Way's key takeaways about car insurance in Mount Repose

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

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

Cheapest Minimum Liability Car Insurance in Mount Repose

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 Repose are given below.

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

Cheapest Liability Coverage in Mount Repose, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$128	$21
Central Mutual	$140	$23
Auto-Owners Insurance Co	$152	$26
Westfield	$157	$27
USAA	$163	$28
Erie	$182	$31
State Farm	$200	$34
Progressive	$218	$37
Nationwide	$243	$41
Travelers	$254	$43
Auto-Owners	$266	$45
Farmers	$340	$58
Grange	$369	$61
Allstate	$460	$78

Cheapest Full Coverage Car Insurance in Mount Repose

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

Cheapest Full Coverage Car Insurance Quotes in Mount Repose, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$243	$41
Auto-Owners Insurance Co	$388	$64
Travelers	$606	$103
Erie	$612	$103
State Farm	$618	$105
USAA	$618	$104
Hastings Mutual	$630	$107
Nationwide	$636	$107
Central Mutual	$733	$124
Progressive	$740	$124
Farmers	$897	$152
Grange	$958	$159
Allstate	$1097	$185
Westfield	$775	$132

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Average Car Insurance in Mount Repose 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 Repose, OH increasing?

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

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	$550
30s	USAA	$389
40s	USAA	$353
50s	USAA	$326
60s	USAA	$343
70s	USAA	$415

Cheapest Car Insurance Rates for Teen Drivers in Mount Repose,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 Repose 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
Westfield	$163	$28
USAA	$843	$142
Erie	$897	$151
Travelers	$1097	$185
Nationwide	$1709	$288
Progressive	$1715	$289
Allstate	$2333	$393
State Farm	$2514	$427
Grange	$2775	$462
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 Mount Repose.

As young drivers face the highest rates in Mount Repose, USAA offers the cheapest auto insurance rates at $550 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 Repose, 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 Mount Repose is Allstate, offering rates of around $1751 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$206	$35
Westfield	$260	$44
Nationwide	$691	$116
Erie	$715	$120
Progressive	$715	$120
USAA	$775	$130
Grange	$794	$134
Allstate	$1751	$292

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

Car Insurance Rates with An Accident in Mount Repose

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

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

The cheapest car insurance companies after an at-fault accident in Mount Repose include Central Mutual and American Family, offering $140 and $157, respectively. Frankenmuth is an expensive provider with an average six-month premium of $249.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$140	$23
American Family	$157	$27
Auto-Owners Insurance Co	$243	$41
Westfield	$243	$41
Erie	$334	$56
Nationwide	$697	$117
Travelers	$933	$157
Grange	$1169	$199
USAA	$1230	$207
Auto-Owners	$1387	$234
Progressive	$1964	$330
Allstate	$2314	$390
State Farm	$4653	$775
Frankenmuth	$249	$42

Mount Repose Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mount Repose OH. For example, the car insurance in Mount Repose 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.

Mount Repose 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 Mount Repose 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 Repose.

The cheapest car insurance premiums in Mount Repose are offered by American Family at $157 for a six-month policy. However, it can be as expensive as $1533 with companies like Grange.

Mount Repose car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$157	$27
Erie	$472	$80
Travelers	$503	$85
Progressive	$588	$99
USAA	$612	$103
Nationwide	$890	$150
State Farm	$975	$166
Farmers	$1212	$202
Allstate	$1484	$250
Grange	$1533	$255

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 Repose are offered by American Family at $157. However, it can be as expensive as $1375 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Mount Repose after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$157	$27
Auto-Owners Insurance Co	$157	$27
Westfield	$169	$29
Erie	$352	$59
USAA	$557	$93
Nationwide	$581	$98
Progressive	$612	$103
Allstate	$1333	$226
Grange	$1375	$230

Car Insurance Price Trends in Mount Repose, Ohio

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

The average cost of full coverage in the Mount Repose rose by $121 in December compared to $118 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 Repose rose to $37 in December, compared to $36 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 Repose?

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

What is the cheapest car insurance in Mount Repose?

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

How much is car insurance in Mount Repose 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 Mount Repose?

The average cost of car insurance is $668 for a six-month policy. It will cost around $114 per month to insure your car in Mount Repose.

Is car insurance expensive in Mount Repose?

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

Cheapest Car Insurance Quotes in Mount Repose

Why you can trust Way?

How Much Is Car Insurance in Mount Repose

Avg. Car Insurance in Mount Repose

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Mount Repose

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Mount Repose Car Insurance Rates by Company

Cheap Car Insurance Companies in Mount Repose, OH

Way's key takeaways about car insurance in Mount Repose

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mount Repose

Cheapest Liability Coverage in Mount Repose, OH

Cheapest Full Coverage Car Insurance in Mount Repose

Cheapest Full Coverage Car Insurance Quotes in Mount Repose, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mount Repose by Rating Factor

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

Car Insurance Premiums by Age in Mount Repose

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Repose

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

Mount Repose Car Insurance Rates by Violation

Mount Repose auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mount Repose after a DUI

Mount Repose car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mount Repose after Speeding ticket

Car Insurance Price Trends in Mount Repose, Ohio

Average Car Insurance Cost in Mount Repose by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mount Repose, OH

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

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