Cheapest Car Insurance Quotes in St. Clairsville

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St. Clairsville Car Insurance

^$ 21

/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 St. Clairsville

The car insurance rate in St. Clairsville is $750 for a six-month policy, which is $7 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $240, making it a popular choice for budget-conscious drivers. Rates in St. Clairsville 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 St. Clairsville

$750

Avg. Car Insurance in Ohio

$743

National Average

$1278

Cheapest Car Insurance Companies in St. Clairsville

1st place: American Family

At $240 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 $384 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $600 for six months, making it the third cheapest auto insurance company in St. Clairsville.

St. Clairsville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in St. Clairsville, OH is American Family, offering policies at just $240 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $384.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1151 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help St. Clairsville drivers find the best deals.

Cheap Car Insurance Companies in St. Clairsville, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$240	$40
Auto-Owners Insurance Co	$384	$64
Travelers	$600	$102
State Farm	$612	$102
Hastings Mutual	$624	$106
USAA	$630	$106
Erie	$653	$110
Nationwide	$690	$116
Central Mutual	$726	$123
Progressive	$755	$127
Auto-Owners	$816	$138
Farmers	$888	$148
Westfield	$1044	$178
Cincinnati	$1092	$182
Grange	$1110	$189
Allstate	$1151	$194

Key Takeaways

Way's key takeaways about car insurance in St. Clairsville

The auto insurance costs in St. Clairsville fall around $240 for six months.
The cheapest auto insurance company in St. Clairsville is American Family.
Teen drivers pay the highest rate in St. Clairsville at $714 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 St. Clairsville

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 St. Clairsville are given below.

American Family provides the cheapest minimum car insurance coverage in St. Clairsville. Their Average 6 Month Premium is $126. Allstate is the most expensive at $456 for the same period.

Cheapest Liability Coverage in St. Clairsville, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$126	$21
Central Mutual	$138	$23
Auto-Owners Insurance Co	$150	$25
USAA	$174	$29
Erie	$186	$31
Westfield	$186	$31
State Farm	$198	$33
Progressive	$228	$38
Auto-Owners	$251	$42
Travelers	$251	$42
Nationwide	$306	$52
Farmers	$336	$56
Grange	$396	$68
Cincinnati	$420	$70
Allstate	$456	$77

Cheapest Full Coverage Car Insurance in St. Clairsville

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 St. Clairsville is American Family at $40 per month and $240 for six months.

Cheapest Full Coverage Car Insurance Quotes in St. Clairsville, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$240	$40
Auto-Owners Insurance Co	$384	$64
Travelers	$600	$102
State Farm	$612	$102
Hastings Mutual	$624	$106
USAA	$630	$106
Erie	$653	$110
Nationwide	$690	$116
Central Mutual	$726	$123
Progressive	$755	$127
Auto-Owners	$816	$138
Farmers	$888	$148
Westfield	$1044	$178
Cincinnati	$1092	$182
Grange	$1110	$189
Allstate	$1151	$194

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Average Car Insurance in St. Clairsville 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 St. Clairsville, OH increasing?

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

Car Insurance Premiums by Age in St. Clairsville

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	$574
30s	USAA	$406
40s	USAA	$368
50s	USAA	$340
60s	USAA	$358
70s	USAA	$433

Cheapest Car Insurance Rates for Teen Drivers in St. Clairsville,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the St. Clairsville at $22 per month. At $4200 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$132	$22
USAA	$810	$136
Erie	$930	$157
Travelers	$1086	$183
Westfield	$1212	$204
Progressive	$1746	$294
Nationwide	$2226	$375
Auto-Owners	$2376	$396
Allstate	$2430	$409
State Farm	$2490	$415
Cincinnati	$3155	$536
Grange	$3186	$531
Farmers	$4200	$714

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 St. Clairsville.

As young drivers face the highest rates in St. Clairsville, USAA offers the cheapest auto insurance rates at $574 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 St. Clairsville, American Family is the cheapest car insurance provider. At $204 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 St. Clairsville is AutoOwners, offering rates of around $2280 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$204	$34
Progressive	$750	$126
Nationwide	$864	$145
USAA	$882	$147
Grange	$894	$150
Erie	$912	$154
Westfield	$1068	$180
Cincinnati	$1650	$275
Allstate	$1967	$334
Auto-Owners	$2280	$380

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in St. Clairsville.

Car Insurance Rates with An Accident in St. Clairsville

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

Cheapest Car Insurance Companies after an At-Fault Accident in St. Clairsville

The cheapest car insurance companies after an at-fault accident in St. Clairsville include Central Mutual and American Family, offering $138 and $156, respectively. State Farm is an expensive provider with an average six-month premium of $4608.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$138	$23
American Family	$156	$26
Auto-Owners Insurance Co	$240	$40
Erie	$426	$72
Westfield	$636	$107
Nationwide	$864	$145
Travelers	$924	$156
USAA	$1248	$210
Auto-Owners	$1296	$218
Grange	$1361	$231
Progressive	$1980	$333
Cincinnati	$2034	$345
Allstate	$2424	$408
State Farm	$4608	$784

St. Clairsville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in St. Clairsville OH. For example, the car insurance in St. Clairsville after a DUI increases to $702 for a six month policy. While the rate increases by $156 for a six-month policy in the case of a speeding ticket.

St. Clairsville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$738	$123
One Med/PIP claim	$755	$128
Not-at-fault accident	$768	$128
One comp claim	$786	$133
Two Med/PIP claims	$786	$131
Two comp claims	$822	$139
Failure to show documents	$828	$138
Driving without lights	$846	$143
Failure to wear a seat belt	$846	$141
Child safety restraint	$864	$146
Driving with expired registration	$864	$144
Driving too slowly	$894	$152
Speeding 11 - 15 MPH over limit	$894	$149
Speeding 6 - 10 MPH over limit	$894	$152
Speeding in school zone	$894	$149
Cell phone violation	$900	$154
Failure to yield	$900	$150
Following too closely	$900	$154
Illegal turn	$900	$150
Texting while driving	$900	$154
Wrong way/wrong lane	$900	$150
Failure to stop at a red light	$906	$155
Improper passing	$912	$152
Speeding 16 - 20 MPH over limit	$912	$156
At-fault accident - less than $1000	$942	$157
Passing school bus	$948	$162
Speeding 21 - 25 MPH over limit	$972	$162
In 65 MPH zone	$984	$168
At-fault accident - $1000-$2000	$1086	$181
At-fault accident - greater than $2000	$1092	$186
Open container	$1092	$182
Operating a vehicle without permission	$1098	$187
Reckless driving	$1392	$232
Racing	$1416	$240
Refusal to submit to a chemical test	$1416	$236
Driving with a suspended license	$1428	$242
DUI	$1440	$240
Leaving scene of an accident/hit and run	$1482	$251

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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 St. Clairsville 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 St. Clairsville.

The cheapest car insurance premiums in St. Clairsville are offered by American Family at $156 for a six-month policy. However, it can be as expensive as $2669 with companies like Cincinnati.

St. Clairsville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$156	$26
Travelers	$498	$84
Progressive	$600	$101
Erie	$618	$104
USAA	$702	$118
State Farm	$966	$165
Nationwide	$1104	$186
Farmers	$1200	$204
Auto-Owners	$1542	$257
Allstate	$1578	$266
Grange	$1782	$297
Westfield	$2316	$394
Cincinnati	$2669	$445

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 St. Clairsville are offered by American Family at $156. However, it can be as expensive as $1590 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in St. Clairsville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$156	$26
Auto-Owners Insurance Co	$156	$26
Erie	$444	$75
Progressive	$618	$104
USAA	$636	$106
Westfield	$714	$120
Nationwide	$720	$121
Auto-Owners	$816	$138
Cincinnati	$1290	$215
Allstate	$1506	$257
Grange	$1590	$265

Car Insurance Price Trends in St. Clairsville, Ohio

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

The average cost of full coverage in the St. Clairsville remained steady at $150 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the St. Clairsville remained steady at $39 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in St. Clairsville?

The car insurance in St. Clairsville is $21 per month, which is lower than the national average.

What is the cheapest car insurance in St. Clairsville?

The cheapest car insurance in St. Clairsville is $40 per month for full coverage.

How much is car insurance in St. Clairsville for teenagers?

Car insurance for teenagers costs $132 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 St. Clairsville?

The average cost of car insurance is $743 for a six-month policy. It will cost around $126 per month to insure your car in St. Clairsville.

Is car insurance expensive in St. Clairsville?

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

Cheapest Car Insurance Quotes in St. Clairsville

Why you can trust Way?

How Much Is Car Insurance in St. Clairsville

Avg. Car Insurance in St. Clairsville

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in St. Clairsville

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

St. Clairsville Car Insurance Rates by Company

Cheap Car Insurance Companies in St. Clairsville, OH

Way's key takeaways about car insurance in St. Clairsville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in St. Clairsville

Cheapest Liability Coverage in St. Clairsville, OH

Cheapest Full Coverage Car Insurance in St. Clairsville

Cheapest Full Coverage Car Insurance Quotes in St. Clairsville, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in St. Clairsville by Rating Factor

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

Car Insurance Premiums by Age in St. Clairsville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in St. Clairsville,OH

If you are in your twenties USAA is the best choice for car insurance in St. Clairsville.

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 St. Clairsville

Cheapest Car Insurance Companies after an At-Fault Accident in St. Clairsville

St. Clairsville Car Insurance Rates by Violation

St. Clairsville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in St. Clairsville after a DUI

St. Clairsville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in St. Clairsville after Speeding ticket

Car Insurance Price Trends in St. Clairsville, Ohio

Average Car Insurance Cost in St. Clairsville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near St. Clairsville, OH

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

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