Cheapest Car Insurance Quotes in New Albany

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New Albany 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 New Albany

The car insurance rate in New Albany is $708 for a six-month policy, which is $40 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 New Albany 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 New Albany

$708

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in New Albany

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 New Albany.

New Albany Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Albany, 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, Westfield is the most expensive, with rates reaching $806 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Albany drivers find the best deals.

Cheap Car Insurance Companies in New Albany, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$252	$42
Auto-Owners Insurance Co	$403	$67
Travelers	$630	$107
Erie	$636	$107
State Farm	$642	$109
USAA	$642	$108
Hastings Mutual	$655	$111
Nationwide	$661	$111
Central Mutual	$762	$129
Progressive	$769	$129
Farmers	$932	$158
Grange	$995	$165
Allstate	$1140	$192
Westfield	$806	$137

Key Takeaways

Way's key takeaways about car insurance in New Albany

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

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Cheapest Minimum Liability Car Insurance in New Albany

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 New Albany are given below.

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

Cheapest Liability Coverage in New Albany, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$133	$22
Central Mutual	$145	$24
Auto-Owners Insurance Co	$158	$27
Westfield	$163	$28
USAA	$170	$29
Erie	$189	$32
State Farm	$208	$35
Progressive	$227	$38
Nationwide	$252	$42
Travelers	$264	$45
Auto-Owners	$277	$47
Farmers	$353	$60
Grange	$384	$64
Allstate	$478	$81

Cheapest Full Coverage Car Insurance in New Albany

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 New Albany is American Family at $42 per month and $252 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Albany, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$252	$42
Auto-Owners Insurance Co	$403	$67
Travelers	$630	$107
Erie	$636	$107
State Farm	$642	$109
USAA	$642	$108
Hastings Mutual	$655	$111
Nationwide	$661	$111
Central Mutual	$762	$129
Progressive	$769	$129
Farmers	$932	$158
Grange	$995	$165
Allstate	$1140	$192
Westfield	$806	$137

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Average Car Insurance in New Albany 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 New Albany, OH increasing?

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

Car Insurance Premiums by Age in New Albany

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	$571
30s	USAA	$404
40s	USAA	$367
50s	USAA	$339
60s	USAA	$356
70s	USAA	$431

Cheapest Car Insurance Rates for Teen Drivers in New Albany,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the New Albany 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
Westfield	$170	$29
USAA	$876	$147
Erie	$932	$157
Travelers	$1140	$192
Nationwide	$1776	$299
Progressive	$1782	$300
Allstate	$2424	$408
State Farm	$2613	$444
Grange	$2884	$480
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 New Albany.

As young drivers face the highest rates in New Albany, USAA offers the cheapest auto insurance rates at $571 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 New Albany, 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 New Albany is Allstate, offering rates of around $1820 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$214	$36
Westfield	$270	$46
Nationwide	$718	$121
Erie	$743	$125
Progressive	$743	$125
USAA	$806	$135
Grange	$825	$139
Allstate	$1820	$303

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Car Insurance Rates with An Accident in New Albany

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

Cheapest Car Insurance Companies after an At-Fault Accident in New Albany

The cheapest car insurance companies after an at-fault accident in New Albany include Central Mutual and American Family, offering $145 and $163, respectively. Frankenmuth is an expensive provider with an average six-month premium of $259.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$145	$24
American Family	$163	$28
Auto-Owners Insurance Co	$252	$42
Westfield	$252	$42
Erie	$347	$58
Nationwide	$724	$122
Travelers	$970	$163
Grange	$1215	$207
USAA	$1278	$215
Auto-Owners	$1442	$243
Progressive	$2041	$343
Allstate	$2405	$405
State Farm	$4836	$806
Frankenmuth	$259	$43

New Albany Car Insurance Rates by Violation

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

New Albany 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

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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 New Albany 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 New Albany.

The cheapest car insurance premiums in New Albany are offered by American Family at $163 for a six-month policy. However, it can be as expensive as $1593 with companies like Grange.

New Albany car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$163	$28
Erie	$491	$83
Travelers	$523	$88
Progressive	$611	$103
USAA	$636	$107
Nationwide	$925	$156
State Farm	$1013	$173
Farmers	$1259	$210
Allstate	$1542	$260
Grange	$1593	$265

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 New Albany are offered by American Family at $163. However, it can be as expensive as $1429 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in New Albany after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$163	$28
Auto-Owners Insurance Co	$163	$28
Westfield	$176	$30
Erie	$366	$61
USAA	$579	$96
Nationwide	$604	$102
Progressive	$636	$107
Allstate	$1385	$235
Grange	$1429	$239

Car Insurance Price Trends in New Albany, Ohio

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

The average cost of full coverage in the New Albany rose by $126 in December compared to $123 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 New Albany rose to $38 in December, compared to $37 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 New Albany?

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

What is the cheapest car insurance in New Albany?

The cheapest car insurance in New Albany is $42 per month for full coverage.

How much is car insurance in New Albany 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 New Albany?

The average cost of car insurance is $668 for a six-month policy. It will cost around $119 per month to insure your car in New Albany.

Is car insurance expensive in New Albany?

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

Cheapest Car Insurance Quotes in New Albany

Why you can trust Way?

How Much Is Car Insurance in New Albany

Avg. Car Insurance in New Albany

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in New Albany

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

New Albany Car Insurance Rates by Company

Cheap Car Insurance Companies in New Albany, OH

Way's key takeaways about car insurance in New Albany

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in New Albany

Cheapest Liability Coverage in New Albany, OH

Cheapest Full Coverage Car Insurance in New Albany

Cheapest Full Coverage Car Insurance Quotes in New Albany, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in New Albany by Rating Factor

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

Car Insurance Premiums by Age in New Albany

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in New Albany,OH

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

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 New Albany

Cheapest Car Insurance Companies after an At-Fault Accident in New Albany

New Albany Car Insurance Rates by Violation

New Albany auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in New Albany after a DUI

New Albany car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in New Albany after Speeding ticket

Car Insurance Price Trends in New Albany, Ohio

Average Car Insurance Cost in New Albany by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near New Albany, OH

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

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Data Sources