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Finding the cheapest car insurance quotes in Scottown shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Scottown
The car insurance rate in Scottown is $741 for a six-month policy, which is $73 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $264, making it a popular choice for budget-conscious drivers. Rates in Scottown 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.
At $264 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 $422 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $659
for six months, making it
the third cheapest auto insurance company in Scottown.
Scottown Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Scottown, OH is American Family, offering policies at just $264 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $422.
At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $844 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Scottown drivers find the best deals.
Way's key takeaways about car insurance in Scottown
The auto insurance costs in Scottown fall around $264 for six
months.
The cheapest auto insurance company in Scottown is American Family.
Teen drivers pay the highest rate in Scottown at $785 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Scottown
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 Scottown are given below.
American Family provides
the cheapest minimum car insurance
coverage in Scottown. Their Average 6 Month Premium is $139.
Allstate is the most
expensive at $501 for the same
period.
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 Scottown is American Family
at $44 per month and $264
for six months.
Cheapest Full Coverage Car Insurance Quotes in Scottown,
OH
Get Your Car Insurance Quote in Scottown
Instantly!
Average Car Insurance in Scottown 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 Scottown, OH increasing?
Despite maintaining a clean driving record, your car insurance rates
in Scottown, 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, Scottown's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Scottown
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
$598
30s
USAA
$423
40s
USAA
$384
50s
USAA
$355
60s
USAA
$373
70s
USAA
$452
Cheapest Car Insurance Rates for Teen Drivers in
Scottown,OH
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the Scottown at $24
per
month. At $4615 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Scottown.
As young drivers face the highest rates in Scottown, USAA
offers the cheapest auto insurance rates at $598 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 Scottown,
American Family is
the cheapest car insurance provider. At $224 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
Scottown is Allstate, offering
rates of around $1906 for six
months.
Save up to $971/yr on car insurance rates in Scottown.
Car Insurance Rates with An Accident in Scottown
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 Scottown, OH,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Scottown
The cheapest car insurance companies after an at-fault accident in
Scottown include Central Mutual
and American Family, offering $152
and $171,
respectively. Frankenmuth is an expensive provider
with an average six-month premium of
$271.
Here is a list of driving violations that can increase your car
insurance rates in Scottown OH. For example, the car
insurance in Scottown
after a DUI increases to $772 for a six
month policy. While the rate increases by $171 for a six-month policy in the case of
a speeding ticket.
Scottown auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$811
$135
One Med/PIP claim
$830
$141
Not-at-fault accident
$844
$141
One comp claim
$864
$147
Two Med/PIP claims
$864
$144
Two comp claims
$904
$153
Failure to show documents
$910
$152
Driving without lights
$930
$158
Failure to wear a seat belt
$930
$155
Child safety restraint
$949
$161
Driving with expired registration
$949
$159
Driving too slowly
$982
$167
Speeding 11 - 15 MPH over limit
$982
$164
Speeding 6 - 10 MPH over limit
$982
$167
Speeding in school zone
$982
$164
Cell phone violation
$989
$169
Failure to yield
$989
$165
Following too closely
$989
$169
Illegal turn
$989
$165
Texting while driving
$989
$169
Wrong way/wrong lane
$989
$165
Failure to stop at a red light
$996
$170
Improper passing
$1002
$167
Speeding 16 - 20 MPH over limit
$1002
$171
At-fault accident - less than $1000
$1036
$172
Passing school bus
$1042
$178
Speeding 21 - 25 MPH over limit
$1068
$178
In 65 MPH zone
$1081
$184
At-fault accident - $1000-$2000
$1193
$199
At-fault accident - greater than $2000
$1200
$204
Open container
$1200
$200
Operating a vehicle without permission
$1207
$205
Reckless driving
$1530
$255
Racing
$1556
$264
Refusal to submit to a chemical test
$1556
$260
Driving with a suspended license
$1570
$266
DUI
$1583
$264
Leaving scene of an accident/hit and run
$1628
$276
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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 Scottown 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 Scottown.
The cheapest car insurance premiums in
Scottown are
offered by American Family at $171 for a six-month policy.
However, it can be as
expensive as $1668 with companies
like Grange.
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 Scottown are offered by American Family
at $171. However,
it can be as expensive as $1496
with companies like Grange for a similar
six-month premium.
Cheapest Car Insurance in Scottown after Speeding ticket
Car insurance rates in Scottown have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Scottown rose by
$132 in December
compared to $129 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 Scottown rose to $40 in December,
compared to $39 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in Scottown by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Scottown. At $1482 for a
six-month policy, insuring
your car at 45678 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Scottown?
The car insurance in Scottown is $23 per month, which is lower than the national average.
What is the cheapest car insurance in Scottown?
The cheapest car insurance in Scottown
is $44 per month
for full coverage.
How much is car insurance in Scottown for teenagers?
Car insurance for teenagers costs $145 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
Scottown?
The average cost of car insurance is $668 for a six-month
policy. It will cost around $124 per month to insure your
car in Scottown.
Is car insurance expensive in Scottown?
Car insurance can be expensive in Scottown if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Scottown can be
affordable.
What is the best car insurance in Scottown,
OH?
The best car insurance company in Scottown
OH is
American Family, offering $264 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Scottown, OH
Car Insurance Rates by State in the USA (2025 Update)
Scottown Car Insurance
