Cheapest Car Insurance Quotes in New Paris

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New Paris 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 New Paris

The car insurance rate in New Paris is $628 for a six-month policy, which is $40 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 New Paris 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 Paris

$628

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in New Paris

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 New Paris.

New Paris Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Paris, 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, Westfield is the most expensive, with rates reaching $714 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Paris drivers find the best deals.

Cheap Car Insurance Companies in New Paris, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$224	$38
Auto-Owners Insurance Co	$357	$59
Travelers	$558	$95
Erie	$564	$95
State Farm	$570	$97
USAA	$570	$96
Hastings Mutual	$581	$99
Nationwide	$587	$99
Central Mutual	$676	$115
Progressive	$682	$115
Farmers	$826	$140
Grange	$883	$147
Allstate	$1010	$170
Westfield	$714	$121

Key Takeaways

Way's key takeaways about car insurance in New Paris

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

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Cheapest Minimum Liability Car Insurance in New Paris

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 Paris are given below.

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

Cheapest Liability Coverage in New Paris, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$118	$20
Central Mutual	$129	$22
Auto-Owners Insurance Co	$140	$24
Westfield	$145	$24
USAA	$150	$25
Erie	$167	$28
State Farm	$184	$31
Progressive	$201	$34
Nationwide	$224	$38
Travelers	$234	$39
Auto-Owners	$245	$41
Farmers	$313	$54
Grange	$340	$56
Allstate	$424	$71

Cheapest Full Coverage Car Insurance in New Paris

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

Cheapest Full Coverage Car Insurance Quotes in New Paris, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$224	$38
Auto-Owners Insurance Co	$357	$59
Travelers	$558	$95
Erie	$564	$95
State Farm	$570	$97
USAA	$570	$96
Hastings Mutual	$581	$99
Nationwide	$587	$99
Central Mutual	$676	$115
Progressive	$682	$115
Farmers	$826	$140
Grange	$883	$147
Allstate	$1010	$170
Westfield	$714	$121

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Average Car Insurance in New Paris 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 Paris, OH increasing?

Despite maintaining a clean driving record, your car insurance rates in New Paris, 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 Paris'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 Paris

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	$507
30s	USAA	$358
40s	USAA	$325
50s	USAA	$301
60s	USAA	$316
70s	USAA	$383

Cheapest Car Insurance Rates for Teen Drivers in New Paris,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 Paris 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
Westfield	$150	$25
USAA	$776	$131
Erie	$826	$139
Travelers	$1010	$170
Nationwide	$1575	$265
Progressive	$1580	$266
Allstate	$2150	$362
State Farm	$2317	$394
Grange	$2558	$426
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 New Paris.

As young drivers face the highest rates in New Paris, USAA offers the cheapest auto insurance rates at $507 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 Paris, 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 New Paris is Allstate, offering rates of around $1614 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$190	$32
Westfield	$240	$40
Nationwide	$636	$107
Erie	$659	$111
Progressive	$659	$111
USAA	$714	$119
Grange	$731	$123
Allstate	$1614	$269

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Car Insurance Rates with An Accident in New Paris

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

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

The cheapest car insurance companies after an at-fault accident in New Paris include Central Mutual and American Family, offering $129 and $145, respectively. Frankenmuth is an expensive provider with an average six-month premium of $229.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$129	$22
American Family	$145	$24
Auto-Owners Insurance Co	$224	$38
Westfield	$224	$38
Erie	$307	$52
Nationwide	$642	$108
Travelers	$860	$145
Grange	$1077	$183
USAA	$1134	$191
Auto-Owners	$1278	$215
Progressive	$1810	$305
Allstate	$2133	$359
State Farm	$4288	$714
Frankenmuth	$229	$39

New Paris Car Insurance Rates by Violation

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

New Paris 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 New Paris 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 Paris.

The cheapest car insurance premiums in New Paris are offered by American Family at $145 for a six-month policy. However, it can be as expensive as $1413 with companies like Grange.

New Paris car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$145	$24
Erie	$435	$73
Travelers	$463	$78
Progressive	$541	$91
USAA	$564	$95
Nationwide	$821	$138
State Farm	$899	$153
Farmers	$1117	$186
Allstate	$1368	$230
Grange	$1413	$235

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 Paris are offered by American Family at $145. However, it can be as expensive as $1267 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in New Paris after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$145	$24
Auto-Owners Insurance Co	$145	$24
Westfield	$156	$26
Erie	$324	$55
USAA	$513	$86
Nationwide	$536	$90
Progressive	$564	$95
Allstate	$1229	$209
Grange	$1267	$212

Car Insurance Price Trends in New Paris, Ohio

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

The average cost of full coverage in the New Paris rose by $112 in December compared to $109 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 Paris rose to $34 in December, compared to $33 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 Paris?

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

What is the cheapest car insurance in New Paris?

The cheapest car insurance in New Paris is $38 per month for full coverage.

How much is car insurance in New Paris 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 New Paris?

The average cost of car insurance is $668 for a six-month policy. It will cost around $105 per month to insure your car in New Paris.

Is car insurance expensive in New Paris?

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

Cheapest Car Insurance Quotes in New Paris

Why you can trust Way?

How Much Is Car Insurance in New Paris

Avg. Car Insurance in New Paris

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in New Paris

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

New Paris Car Insurance Rates by Company

Cheap Car Insurance Companies in New Paris, OH

Way's key takeaways about car insurance in New Paris

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in New Paris

Cheapest Liability Coverage in New Paris, OH

Cheapest Full Coverage Car Insurance in New Paris

Cheapest Full Coverage Car Insurance Quotes in New Paris, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in New Paris by Rating Factor

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

Car Insurance Premiums by Age in New Paris

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Paris

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

New Paris Car Insurance Rates by Violation

New Paris auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in New Paris after a DUI

New Paris car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in New Paris after Speeding ticket

Car Insurance Price Trends in New Paris, Ohio

Average Car Insurance Cost in New Paris by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near New Paris, OH

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

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