Cheapest Car Insurance Quotes in Roaming Shores

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Roaming Shores 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 Roaming Shores

The car insurance rate in Roaming Shores is $713 for a six-month policy, which is $30 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $228, making it a popular choice for budget-conscious drivers. Rates in Roaming Shores 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 Roaming Shores

$713

Avg. Car Insurance in Ohio

$743

National Average

$1278

Cheapest Car Insurance Companies in Roaming Shores

1st place: American Family

At $228 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 $365 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $570 for six months, making it the third cheapest auto insurance company in Roaming Shores.

Roaming Shores Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Roaming Shores, OH is American Family, offering policies at just $228 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $365.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1094 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Roaming Shores drivers find the best deals.

Cheap Car Insurance Companies in Roaming Shores, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$228	$38
Auto-Owners Insurance Co	$365	$60
Travelers	$570	$97
State Farm	$582	$97
Hastings Mutual	$593	$101
USAA	$599	$101
Erie	$621	$105
Nationwide	$656	$110
Central Mutual	$690	$117
Progressive	$718	$121
Auto-Owners	$776	$132
Farmers	$844	$141
Westfield	$993	$169
Cincinnati	$1038	$173
Grange	$1055	$180
Allstate	$1094	$184

Key Takeaways

Way's key takeaways about car insurance in Roaming Shores

The auto insurance costs in Roaming Shores fall around $228 for six months.
The cheapest auto insurance company in Roaming Shores is American Family.
Teen drivers pay the highest rate in Roaming Shores at $679 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in Roaming Shores

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 Roaming Shores are given below.

American Family provides the cheapest minimum car insurance coverage in Roaming Shores. Their Average 6 Month Premium is $120. Allstate is the most expensive at $433 for the same period.

Cheapest Liability Coverage in Roaming Shores, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$120	$20
Central Mutual	$132	$22
Auto-Owners Insurance Co	$143	$24
USAA	$165	$28
Erie	$177	$30
Westfield	$177	$30
State Farm	$188	$32
Progressive	$217	$36
Auto-Owners	$239	$40
Travelers	$239	$40
Nationwide	$291	$49
Farmers	$320	$53
Grange	$376	$64
Cincinnati	$399	$66
Allstate	$433	$73

Cheapest Full Coverage Car Insurance in Roaming Shores

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 Roaming Shores is American Family at $38 per month and $228 for six months.

Cheapest Full Coverage Car Insurance Quotes in Roaming Shores, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$228	$38
Auto-Owners Insurance Co	$365	$60
Travelers	$570	$97
State Farm	$582	$97
Hastings Mutual	$593	$101
USAA	$599	$101
Erie	$621	$105
Nationwide	$656	$110
Central Mutual	$690	$117
Progressive	$718	$121
Auto-Owners	$776	$132
Farmers	$844	$141
Westfield	$993	$169
Cincinnati	$1038	$173
Grange	$1055	$180
Allstate	$1094	$184

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Average Car Insurance in Roaming Shores 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 Roaming Shores, OH increasing?

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

Car Insurance Premiums by Age in Roaming Shores

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	$545
30s	USAA	$386
40s	USAA	$349
50s	USAA	$324
60s	USAA	$340
70s	USAA	$412

Cheapest Car Insurance Rates for Teen Drivers in Roaming Shores,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Roaming Shores at $21 per month. At $3992 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$126	$21
USAA	$770	$130
Erie	$884	$149
Travelers	$1032	$174
Westfield	$1152	$194
Progressive	$1660	$279
Nationwide	$2116	$356
Auto-Owners	$2258	$376
Allstate	$2310	$389
State Farm	$2366	$395
Cincinnati	$2999	$510
Grange	$3028	$505
Farmers	$3992	$679

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 Roaming Shores.

As young drivers face the highest rates in Roaming Shores, USAA offers the cheapest auto insurance rates at $545 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 Roaming Shores, American Family is the cheapest car insurance provider. At $194 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 Roaming Shores is AutoOwners, offering rates of around $2167 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$194	$33
Progressive	$713	$120
Nationwide	$821	$138
USAA	$838	$140
Grange	$850	$143
Erie	$867	$146
Westfield	$1015	$171
Cincinnati	$1569	$261
Allstate	$1870	$318
Auto-Owners	$2167	$361

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Roaming Shores.

Car Insurance Rates with An Accident in Roaming Shores

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

Cheapest Car Insurance Companies after an At-Fault Accident in Roaming Shores

The cheapest car insurance companies after an at-fault accident in Roaming Shores include Central Mutual and American Family, offering $132 and $148, respectively. State Farm is an expensive provider with an average six-month premium of $4380.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$132	$22
American Family	$148	$25
Auto-Owners Insurance Co	$228	$38
Erie	$405	$68
Westfield	$605	$102
Nationwide	$821	$138
Travelers	$878	$148
USAA	$1187	$200
Auto-Owners	$1232	$207
Grange	$1294	$220
Progressive	$1882	$317
Cincinnati	$1933	$328
Allstate	$2304	$388
State Farm	$4380	$745

Roaming Shores Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Roaming Shores OH. For example, the car insurance in Roaming Shores after a DUI increases to $667 for a six month policy. While the rate increases by $148 for a six-month policy in the case of a speeding ticket.

Roaming Shores auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$702	$117
One Med/PIP claim	$718	$122
Not-at-fault accident	$730	$122
One comp claim	$747	$127
Two Med/PIP claims	$747	$125
Two comp claims	$781	$132
Failure to show documents	$787	$132
Driving without lights	$804	$136
Failure to wear a seat belt	$804	$134
Child safety restraint	$821	$139
Driving with expired registration	$821	$137
Driving too slowly	$850	$144
Speeding 11 - 15 MPH over limit	$850	$142
Speeding 6 - 10 MPH over limit	$850	$144
Speeding in school zone	$850	$142
Cell phone violation	$855	$146
Failure to yield	$855	$143
Following too closely	$855	$146
Illegal turn	$855	$143
Texting while driving	$855	$146
Wrong way/wrong lane	$855	$143
Failure to stop at a red light	$861	$147
Improper passing	$867	$144
Speeding 16 - 20 MPH over limit	$867	$148
At-fault accident - less than $1000	$896	$149
Passing school bus	$901	$154
Speeding 21 - 25 MPH over limit	$924	$154
In 65 MPH zone	$935	$159
At-fault accident - $1000-$2000	$1032	$172
At-fault accident - greater than $2000	$1038	$177
Open container	$1038	$173
Operating a vehicle without permission	$1044	$178
Reckless driving	$1323	$221
Racing	$1346	$228
Refusal to submit to a chemical test	$1346	$225
Driving with a suspended license	$1357	$230
DUI	$1369	$228
Leaving scene of an accident/hit and run	$1408	$239

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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 Roaming Shores 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 Roaming Shores.

The cheapest car insurance premiums in Roaming Shores are offered by American Family at $148 for a six-month policy. However, it can be as expensive as $2537 with companies like Cincinnati.

Roaming Shores car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$148	$25
Travelers	$473	$80
Progressive	$570	$96
Erie	$588	$99
USAA	$667	$112
State Farm	$918	$156
Nationwide	$1049	$177
Farmers	$1140	$194
Auto-Owners	$1466	$244
Allstate	$1500	$252
Grange	$1693	$282
Westfield	$2201	$374
Cincinnati	$2537	$423

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 Roaming Shores are offered by American Family at $148. However, it can be as expensive as $1511 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Roaming Shores after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$148	$25
Auto-Owners Insurance Co	$148	$25
Erie	$422	$71
Progressive	$588	$99
USAA	$605	$101
Westfield	$679	$114
Nationwide	$684	$115
Auto-Owners	$776	$132
Cincinnati	$1226	$204
Allstate	$1431	$244
Grange	$1511	$252

Car Insurance Price Trends in Roaming Shores, Ohio

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

The average cost of full coverage in the Roaming Shores rose by $143 in January compared to $114 of December. In other words, there has been an increase by $29 when you compare January and December.

The average cost of liability insurance in the Roaming Shores rose to $37 in January, compared to $35 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Roaming Shores?

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

What is the cheapest car insurance in Roaming Shores?

The cheapest car insurance in Roaming Shores is $38 per month for full coverage.

How much is car insurance in Roaming Shores for teenagers?

Car insurance for teenagers costs $126 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 Roaming Shores?

The average cost of car insurance is $743 for a six-month policy. It will cost around $120 per month to insure your car in Roaming Shores.

Is car insurance expensive in Roaming Shores?

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

Cheapest Car Insurance Quotes in Roaming Shores

Why you can trust Way?

How Much Is Car Insurance in Roaming Shores

Avg. Car Insurance in Roaming Shores

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Roaming Shores

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Roaming Shores Car Insurance Rates by Company

Cheap Car Insurance Companies in Roaming Shores, OH

Way's key takeaways about car insurance in Roaming Shores

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Roaming Shores

Cheapest Liability Coverage in Roaming Shores, OH

Cheapest Full Coverage Car Insurance in Roaming Shores

Cheapest Full Coverage Car Insurance Quotes in Roaming Shores, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Roaming Shores by Rating Factor

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

Car Insurance Premiums by Age in Roaming Shores

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Roaming Shores,OH

If you are in your twenties USAA is the best choice for car insurance in Roaming Shores.

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 Roaming Shores

Cheapest Car Insurance Companies after an At-Fault Accident in Roaming Shores

Roaming Shores Car Insurance Rates by Violation

Roaming Shores auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Roaming Shores after a DUI

Roaming Shores car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Roaming Shores after Speeding ticket

Car Insurance Price Trends in Roaming Shores, Ohio

Average Car Insurance Cost in Roaming Shores by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Roaming Shores, OH

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

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