Cheapest Car Insurance Quotes in Shaker Heights

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Shaker Heights Car Insurance

^$ 25

/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 Shaker Heights

The car insurance rate in Shaker Heights is $802 for a six-month policy, which is $134 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $286, making it a popular choice for budget-conscious drivers. Rates in Shaker Heights 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 Shaker Heights

$802

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Shaker Heights

1st place: American Family

At $286 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 $456 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $713 for six months, making it the third cheapest auto insurance company in Shaker Heights.

Shaker Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Shaker Heights, OH is American Family, offering policies at just $286 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $456.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $912 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Shaker Heights drivers find the best deals.

Cheap Car Insurance Companies in Shaker Heights, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$286	$48
Auto-Owners Insurance Co	$456	$76
Travelers	$713	$121
Erie	$720	$121
State Farm	$727	$124
USAA	$727	$122
Hastings Mutual	$742	$126
Nationwide	$749	$126
Central Mutual	$863	$146
Progressive	$870	$146
Farmers	$1055	$179
Grange	$1127	$187
Allstate	$1290	$217
Westfield	$912	$155

Key Takeaways

Way's key takeaways about car insurance in Shaker Heights

The auto insurance costs in Shaker Heights fall around $286 for six months.
The cheapest auto insurance company in Shaker Heights is American Family.
Teen drivers pay the highest rate in Shaker Heights at $848 per month.

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

Cheapest Minimum Liability Car Insurance in Shaker Heights

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 Shaker Heights are given below.

American Family provides the cheapest minimum car insurance coverage in Shaker Heights. Their Average 6 Month Premium is $150. Allstate is the most expensive at $541 for the same period.

Cheapest Liability Coverage in Shaker Heights, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$150	$25
Central Mutual	$164	$28
Auto-Owners Insurance Co	$179	$30
Westfield	$185	$31
USAA	$192	$32
Erie	$214	$36
State Farm	$235	$40
Progressive	$257	$43
Nationwide	$286	$48
Travelers	$299	$50
Auto-Owners	$313	$53
Farmers	$400	$68
Grange	$434	$72
Allstate	$541	$91

Cheapest Full Coverage Car Insurance in Shaker Heights

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 Shaker Heights is American Family at $48 per month and $286 for six months.

Cheapest Full Coverage Car Insurance Quotes in Shaker Heights, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$286	$48
Auto-Owners Insurance Co	$456	$76
Travelers	$713	$121
Erie	$720	$121
State Farm	$727	$124
USAA	$727	$122
Hastings Mutual	$742	$126
Nationwide	$749	$126
Central Mutual	$863	$146
Progressive	$870	$146
Farmers	$1055	$179
Grange	$1127	$187
Allstate	$1290	$217
Westfield	$912	$155

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Average Car Insurance in Shaker Heights 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 Shaker Heights, OH increasing?

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

Car Insurance Premiums by Age in Shaker Heights

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	$647
30s	USAA	$457
40s	USAA	$415
50s	USAA	$384
60s	USAA	$403
70s	USAA	$488

Cheapest Car Insurance Rates for Teen Drivers in Shaker Heights,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Shaker Heights at $26 per month. At $4990 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$157	$26
Westfield	$192	$32
USAA	$991	$167
Erie	$1055	$178
Travelers	$1290	$217
Nationwide	$2010	$338
Progressive	$2017	$340
Allstate	$2744	$462
State Farm	$2958	$503
Grange	$3265	$544
Farmers	$4990	$848

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 Shaker Heights.

As young drivers face the highest rates in Shaker Heights, USAA offers the cheapest auto insurance rates at $647 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 Shaker Heights, American Family is the cheapest car insurance provider. At $242 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 Shaker Heights is Allstate, offering rates of around $2060 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$242	$41
Westfield	$306	$52
Nationwide	$812	$137
Erie	$841	$142
Progressive	$841	$142
USAA	$912	$152
Grange	$934	$157
Allstate	$2060	$343

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Save up to $971/yr on car insurance rates in Shaker Heights.

Car Insurance Rates with An Accident in Shaker Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in Shaker Heights

The cheapest car insurance companies after an at-fault accident in Shaker Heights include Central Mutual and American Family, offering $164 and $185, respectively. Frankenmuth is an expensive provider with an average six-month premium of $293.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$164	$28
American Family	$185	$31
Auto-Owners Insurance Co	$286	$48
Westfield	$286	$48
Erie	$392	$66
Nationwide	$820	$138
Travelers	$1098	$185
Grange	$1375	$234
USAA	$1447	$244
Auto-Owners	$1632	$275
Progressive	$2310	$389
Allstate	$2723	$458
State Farm	$5474	$912
Frankenmuth	$293	$49

Shaker Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Shaker Heights OH. For example, the car insurance in Shaker Heights after a DUI increases to $834 for a six month policy. While the rate increases by $185 for a six-month policy in the case of a speeding ticket.

Shaker Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$877	$146
One Med/PIP claim	$898	$152
Not-at-fault accident	$912	$152
One comp claim	$934	$158
Two Med/PIP claims	$934	$156
Two comp claims	$977	$166
Failure to show documents	$984	$164
Driving without lights	$1006	$170
Failure to wear a seat belt	$1006	$168
Child safety restraint	$1026	$174
Driving with expired registration	$1026	$172
Driving too slowly	$1062	$180
Speeding 11 - 15 MPH over limit	$1062	$178
Speeding 6 - 10 MPH over limit	$1062	$180
Speeding in school zone	$1062	$178
Cell phone violation	$1069	$182
Failure to yield	$1069	$179
Following too closely	$1069	$182
Illegal turn	$1069	$179
Texting while driving	$1069	$182
Wrong way/wrong lane	$1069	$179
Failure to stop at a red light	$1076	$184
Improper passing	$1084	$180
Speeding 16 - 20 MPH over limit	$1084	$185
At-fault accident - less than $1000	$1120	$186
Passing school bus	$1127	$192
Speeding 21 - 25 MPH over limit	$1154	$192
In 65 MPH zone	$1169	$199
At-fault accident - $1000-$2000	$1290	$215
At-fault accident - greater than $2000	$1297	$221
Open container	$1297	$216
Operating a vehicle without permission	$1304	$222
Reckless driving	$1654	$276
Racing	$1682	$286
Refusal to submit to a chemical test	$1682	$281
Driving with a suspended license	$1697	$288
DUI	$1711	$286
Leaving scene of an accident/hit and run	$1760	$299

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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 Shaker Heights 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 Shaker Heights.

The cheapest car insurance premiums in Shaker Heights are offered by American Family at $185 for a six-month policy. However, it can be as expensive as $1804 with companies like Grange.

Shaker Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$185	$31
Erie	$556	$94
Travelers	$592	$100
Progressive	$691	$116
USAA	$720	$121
Nationwide	$1048	$176
State Farm	$1147	$196
Farmers	$1426	$238
Allstate	$1746	$294
Grange	$1804	$300

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 Shaker Heights are offered by American Family at $185. However, it can be as expensive as $1618 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Shaker Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$185	$31
Auto-Owners Insurance Co	$185	$31
Westfield	$199	$34
Erie	$414	$70
USAA	$655	$109
Nationwide	$684	$115
Progressive	$720	$121
Allstate	$1568	$266
Grange	$1618	$270

Car Insurance Price Trends in Shaker Heights, Ohio

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

The average cost of full coverage in the Shaker Heights rose by $143 in December compared to $139 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Shaker Heights rose to $43 in December, compared to $42 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 Shaker Heights?

The car insurance in Shaker Heights is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Shaker Heights?

The cheapest car insurance in Shaker Heights is $48 per month for full coverage.

How much is car insurance in Shaker Heights for teenagers?

Car insurance for teenagers costs $157 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 Shaker Heights?

The average cost of car insurance is $668 for a six-month policy. It will cost around $134 per month to insure your car in Shaker Heights.

Is car insurance expensive in Shaker Heights?

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

Cheapest Car Insurance Quotes in Shaker Heights

Why you can trust Way?

How Much Is Car Insurance in Shaker Heights

Avg. Car Insurance in Shaker Heights

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Shaker Heights

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Shaker Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Shaker Heights, OH

Way's key takeaways about car insurance in Shaker Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Shaker Heights

Cheapest Liability Coverage in Shaker Heights, OH

Cheapest Full Coverage Car Insurance in Shaker Heights

Cheapest Full Coverage Car Insurance Quotes in Shaker Heights, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Shaker Heights by Rating Factor

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

Car Insurance Premiums by Age in Shaker Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Shaker Heights,OH

If you are in your twenties USAA is the best choice for car insurance in Shaker Heights.

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 Shaker Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Shaker Heights

Shaker Heights Car Insurance Rates by Violation

Shaker Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Shaker Heights after a DUI

Shaker Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Shaker Heights after Speeding ticket

Car Insurance Price Trends in Shaker Heights, Ohio

Average Car Insurance Cost in Shaker Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Shaker Heights, OH

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

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