Cheapest Car Insurance Quotes in South Bloomfield

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South Bloomfield 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 South Bloomfield

The car insurance rate in South Bloomfield is $695 for a six-month policy, which is $27 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $248, making it a popular choice for budget-conscious drivers. Rates in South Bloomfield 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 South Bloomfield

$695

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in South Bloomfield

1st place: American Family

At $248 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 $395 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $618 for six months, making it the third cheapest auto insurance company in South Bloomfield.

South Bloomfield Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Bloomfield, OH is American Family, offering policies at just $248 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $395.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $790 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Bloomfield drivers find the best deals.

Cheap Car Insurance Companies in South Bloomfield, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$248	$42
Auto-Owners Insurance Co	$395	$66
Travelers	$618	$105
Erie	$624	$105
State Farm	$630	$107
USAA	$630	$106
Hastings Mutual	$643	$109
Nationwide	$649	$109
Central Mutual	$748	$127
Progressive	$754	$127
Farmers	$914	$155
Grange	$977	$162
Allstate	$1118	$188
Westfield	$790	$134

Key Takeaways

Way's key takeaways about car insurance in South Bloomfield

The auto insurance costs in South Bloomfield fall around $248 for six months.
The cheapest auto insurance company in South Bloomfield is American Family.
Teen drivers pay the highest rate in South Bloomfield at $735 per month.

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Cheapest Minimum Liability Car Insurance in South Bloomfield

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 South Bloomfield are given below.

American Family provides the cheapest minimum car insurance coverage in South Bloomfield. Their Average 6 Month Premium is $130. Allstate is the most expensive at $469 for the same period.

Cheapest Liability Coverage in South Bloomfield, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$130	$22
Central Mutual	$142	$24
Auto-Owners Insurance Co	$155	$26
Westfield	$160	$27
USAA	$166	$28
Erie	$185	$31
State Farm	$204	$34
Progressive	$223	$37
Nationwide	$248	$42
Travelers	$259	$44
Auto-Owners	$271	$46
Farmers	$346	$59
Grange	$376	$62
Allstate	$469	$79

Cheapest Full Coverage Car Insurance in South Bloomfield

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 South Bloomfield is American Family at $42 per month and $248 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Bloomfield, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$248	$42
Auto-Owners Insurance Co	$395	$66
Travelers	$618	$105
Erie	$624	$105
State Farm	$630	$107
USAA	$630	$106
Hastings Mutual	$643	$109
Nationwide	$649	$109
Central Mutual	$748	$127
Progressive	$754	$127
Farmers	$914	$155
Grange	$977	$162
Allstate	$1118	$188
Westfield	$790	$134

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Average Car Insurance in South Bloomfield 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 South Bloomfield, OH increasing?

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

Car Insurance Premiums by Age in South Bloomfield

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	$561
30s	USAA	$396
40s	USAA	$360
50s	USAA	$333
60s	USAA	$349
70s	USAA	$423

Cheapest Car Insurance Rates for Teen Drivers in South Bloomfield,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the South Bloomfield at $23 per month. At $4324 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$136	$23
Westfield	$166	$28
USAA	$859	$145
Erie	$914	$154
Travelers	$1118	$188
Nationwide	$1742	$293
Progressive	$1748	$294
Allstate	$2378	$400
State Farm	$2564	$436
Grange	$2830	$471
Farmers	$4324	$735

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 South Bloomfield.

As young drivers face the highest rates in South Bloomfield, USAA offers the cheapest auto insurance rates at $561 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 South Bloomfield, American Family is the cheapest car insurance provider. At $210 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 South Bloomfield is Allstate, offering rates of around $1786 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$210	$35
Westfield	$265	$45
Nationwide	$704	$119
Erie	$729	$123
Progressive	$729	$123
USAA	$790	$132
Grange	$809	$136
Allstate	$1786	$297

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Car Insurance Rates with An Accident in South Bloomfield

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

Cheapest Car Insurance Companies after an At-Fault Accident in South Bloomfield

The cheapest car insurance companies after an at-fault accident in South Bloomfield include Central Mutual and American Family, offering $142 and $160, respectively. Frankenmuth is an expensive provider with an average six-month premium of $254.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$142	$24
American Family	$160	$27
Auto-Owners Insurance Co	$248	$42
Westfield	$248	$42
Erie	$340	$57
Nationwide	$710	$120
Travelers	$952	$160
Grange	$1192	$203
USAA	$1254	$211
Auto-Owners	$1414	$238
Progressive	$2002	$337
Allstate	$2360	$397
State Farm	$4744	$790
Frankenmuth	$254	$43

South Bloomfield Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Bloomfield OH. For example, the car insurance in South Bloomfield after a DUI increases to $723 for a six month policy. While the rate increases by $160 for a six-month policy in the case of a speeding ticket.

South Bloomfield auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$760	$127
One Med/PIP claim	$778	$132
Not-at-fault accident	$790	$132
One comp claim	$809	$137
Two Med/PIP claims	$809	$135
Two comp claims	$847	$144
Failure to show documents	$853	$142
Driving without lights	$872	$148
Failure to wear a seat belt	$872	$146
Child safety restraint	$889	$151
Driving with expired registration	$889	$149
Driving too slowly	$920	$156
Speeding 11 - 15 MPH over limit	$920	$154
Speeding 6 - 10 MPH over limit	$920	$156
Speeding in school zone	$920	$154
Cell phone violation	$927	$158
Failure to yield	$927	$155
Following too closely	$927	$158
Illegal turn	$927	$155
Texting while driving	$927	$158
Wrong way/wrong lane	$927	$155
Failure to stop at a red light	$933	$159
Improper passing	$939	$156
Speeding 16 - 20 MPH over limit	$939	$160
At-fault accident - less than $1000	$970	$161
Passing school bus	$977	$166
Speeding 21 - 25 MPH over limit	$1000	$166
In 65 MPH zone	$1013	$173
At-fault accident - $1000-$2000	$1118	$186
At-fault accident - greater than $2000	$1124	$191
Open container	$1124	$187
Operating a vehicle without permission	$1130	$192
Reckless driving	$1433	$239
Racing	$1458	$248
Refusal to submit to a chemical test	$1458	$243
Driving with a suspended license	$1471	$250
DUI	$1483	$248
Leaving scene of an accident/hit and run	$1526	$259

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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 South Bloomfield 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 South Bloomfield.

The cheapest car insurance premiums in South Bloomfield are offered by American Family at $160 for a six-month policy. However, it can be as expensive as $1563 with companies like Grange.

South Bloomfield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$160	$27
Erie	$482	$81
Travelers	$513	$86
Progressive	$599	$101
USAA	$624	$105
Nationwide	$908	$153
State Farm	$994	$170
Farmers	$1236	$206
Allstate	$1513	$255
Grange	$1563	$260

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 South Bloomfield are offered by American Family at $160. However, it can be as expensive as $1402 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in South Bloomfield after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$160	$27
Auto-Owners Insurance Co	$160	$27
Westfield	$173	$29
Erie	$359	$60
USAA	$568	$95
Nationwide	$593	$100
Progressive	$624	$105
Allstate	$1359	$231
Grange	$1402	$234

Car Insurance Price Trends in South Bloomfield, Ohio

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

The average cost of full coverage in the South Bloomfield rose by $124 in December compared to $121 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 South Bloomfield rose to $37 in December, compared to $36 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 South Bloomfield?

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

What is the cheapest car insurance in South Bloomfield?

The cheapest car insurance in South Bloomfield is $42 per month for full coverage.

How much is car insurance in South Bloomfield for teenagers?

Car insurance for teenagers costs $136 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 South Bloomfield?

The average cost of car insurance is $668 for a six-month policy. It will cost around $116 per month to insure your car in South Bloomfield.

Is car insurance expensive in South Bloomfield?

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

Cheapest Car Insurance Quotes in South Bloomfield

Why you can trust Way?

How Much Is Car Insurance in South Bloomfield

Avg. Car Insurance in South Bloomfield

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in South Bloomfield

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

South Bloomfield Car Insurance Rates by Company

Cheap Car Insurance Companies in South Bloomfield, OH

Way's key takeaways about car insurance in South Bloomfield

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South Bloomfield

Cheapest Liability Coverage in South Bloomfield, OH

Cheapest Full Coverage Car Insurance in South Bloomfield

Cheapest Full Coverage Car Insurance Quotes in South Bloomfield, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South Bloomfield by Rating Factor

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

Car Insurance Premiums by Age in South Bloomfield

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in South Bloomfield,OH

If you are in your twenties USAA is the best choice for car insurance in South Bloomfield.

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 South Bloomfield

Cheapest Car Insurance Companies after an At-Fault Accident in South Bloomfield

South Bloomfield Car Insurance Rates by Violation

South Bloomfield auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South Bloomfield after a DUI

South Bloomfield car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South Bloomfield after Speeding ticket

Car Insurance Price Trends in South Bloomfield, Ohio

Average Car Insurance Cost in South Bloomfield by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near South Bloomfield, OH

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

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