Cheapest Car Insurance Quotes in Van Wert

Finding the cheapest car insurance quotes in Van Wert 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Van Wert Car Insurance

^$ 18

/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 Van Wert

The car insurance rate in Van Wert is $574 for a six-month policy, which is $94 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $205, making it a popular choice for budget-conscious drivers. Rates in Van Wert 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 Van Wert

$574

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Van Wert

1st place: American Family

At $205 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 $327 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $511 for six months, making it the third cheapest auto insurance company in Van Wert.

Van Wert Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Van Wert, OH is American Family, offering policies at just $205 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $327.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $654 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Van Wert drivers find the best deals.

Cheap Car Insurance Companies in Van Wert, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$205	$34
Auto-Owners Insurance Co	$327	$54
Travelers	$511	$87
Erie	$516	$87
State Farm	$521	$89
USAA	$521	$88
Hastings Mutual	$531	$90
Nationwide	$537	$90
Central Mutual	$618	$105
Progressive	$624	$105
Farmers	$756	$128
Grange	$808	$134
Allstate	$925	$156
Westfield	$654	$111

Key Takeaways

Way's key takeaways about car insurance in Van Wert

The auto insurance costs in Van Wert fall around $205 for six months.
The cheapest auto insurance company in Van Wert is American Family.
Teen drivers pay the highest rate in Van Wert at $608 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 Van Wert

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 Van Wert are given below.

American Family provides the cheapest minimum car insurance coverage in Van Wert. Their Average 6 Month Premium is $108. Allstate is the most expensive at $388 for the same period.

Cheapest Liability Coverage in Van Wert, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$108	$18
Central Mutual	$118	$20
Auto-Owners Insurance Co	$128	$22
Westfield	$132	$22
USAA	$138	$23
Erie	$153	$26
State Farm	$169	$28
Progressive	$184	$31
Nationwide	$205	$34
Travelers	$214	$36
Auto-Owners	$224	$38
Farmers	$286	$49
Grange	$311	$52
Allstate	$388	$65

Cheapest Full Coverage Car Insurance in Van Wert

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 Van Wert is American Family at $34 per month and $205 for six months.

Cheapest Full Coverage Car Insurance Quotes in Van Wert, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$205	$34
Auto-Owners Insurance Co	$327	$54
Travelers	$511	$87
Erie	$516	$87
State Farm	$521	$89
USAA	$521	$88
Hastings Mutual	$531	$90
Nationwide	$537	$90
Central Mutual	$618	$105
Progressive	$624	$105
Farmers	$756	$128
Grange	$808	$134
Allstate	$925	$156
Westfield	$654	$111

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Van Wert Instantly!

Average Car Insurance in Van Wert 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 Van Wert, OH increasing?

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

Car Insurance Premiums by Age in Van Wert

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	$464
30s	USAA	$328
40s	USAA	$298
50s	USAA	$275
60s	USAA	$289
70s	USAA	$350

Cheapest Car Insurance Rates for Teen Drivers in Van Wert,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Van Wert at $19 per month. At $3576 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$113	$19
Westfield	$138	$23
USAA	$710	$120
Erie	$756	$127
Travelers	$925	$156
Nationwide	$1441	$243
Progressive	$1446	$243
Allstate	$1967	$331
State Farm	$2120	$360
Grange	$2340	$390
Farmers	$3576	$608

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 Van Wert.

As young drivers face the highest rates in Van Wert, USAA offers the cheapest auto insurance rates at $464 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 Van Wert, American Family is the cheapest car insurance provider. At $174 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 Van Wert is Allstate, offering rates of around $1477 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$174	$29
Westfield	$219	$37
Nationwide	$582	$98
Erie	$603	$101
Progressive	$603	$101
USAA	$654	$109
Grange	$669	$113
Allstate	$1477	$246

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Van Wert.

Car Insurance Rates with An Accident in Van Wert

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 Van Wert, OH, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Van Wert

The cheapest car insurance companies after an at-fault accident in Van Wert include Central Mutual and American Family, offering $118 and $132, respectively. Frankenmuth is an expensive provider with an average six-month premium of $210.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$118	$20
American Family	$132	$22
Auto-Owners Insurance Co	$205	$34
Westfield	$205	$34
Erie	$281	$47
Nationwide	$587	$99
Travelers	$787	$132
Grange	$986	$168
USAA	$1037	$175
Auto-Owners	$1170	$197
Progressive	$1656	$279
Allstate	$1951	$329
State Farm	$3923	$654
Frankenmuth	$210	$35

Van Wert Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Van Wert OH. For example, the car insurance in Van Wert after a DUI increases to $597 for a six month policy. While the rate increases by $132 for a six-month policy in the case of a speeding ticket.

Van Wert auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$629	$105
One Med/PIP claim	$643	$109
Not-at-fault accident	$654	$109
One comp claim	$669	$114
Two Med/PIP claims	$669	$112
Two comp claims	$700	$119
Failure to show documents	$705	$118
Driving without lights	$721	$122
Failure to wear a seat belt	$721	$120
Child safety restraint	$735	$125
Driving with expired registration	$735	$123
Driving too slowly	$761	$129
Speeding 11 - 15 MPH over limit	$761	$127
Speeding 6 - 10 MPH over limit	$761	$129
Speeding in school zone	$761	$127
Cell phone violation	$766	$131
Failure to yield	$766	$128
Following too closely	$766	$131
Illegal turn	$766	$128
Texting while driving	$766	$131
Wrong way/wrong lane	$766	$128
Failure to stop at a red light	$771	$132
Improper passing	$777	$129
Speeding 16 - 20 MPH over limit	$777	$132
At-fault accident - less than $1000	$802	$133
Passing school bus	$808	$138
Speeding 21 - 25 MPH over limit	$827	$138
In 65 MPH zone	$838	$143
At-fault accident - $1000-$2000	$925	$154
At-fault accident - greater than $2000	$930	$158
Open container	$930	$155
Operating a vehicle without permission	$935	$159
Reckless driving	$1185	$198
Racing	$1206	$205
Refusal to submit to a chemical test	$1206	$201
Driving with a suspended license	$1216	$206
DUI	$1226	$205
Leaving scene of an accident/hit and run	$1262	$214

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Van Wert 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 Van Wert.

The cheapest car insurance premiums in Van Wert are offered by American Family at $132 for a six-month policy. However, it can be as expensive as $1293 with companies like Grange.

Van Wert car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$132	$22
Erie	$398	$67
Travelers	$424	$71
Progressive	$495	$83
USAA	$516	$87
Nationwide	$751	$126
State Farm	$822	$140
Farmers	$1022	$170
Allstate	$1251	$211
Grange	$1293	$215

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 Van Wert are offered by American Family at $132. However, it can be as expensive as $1159 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Van Wert after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$132	$22
Auto-Owners Insurance Co	$132	$22
Westfield	$143	$24
Erie	$297	$50
USAA	$470	$78
Nationwide	$490	$83
Progressive	$516	$87
Allstate	$1124	$191
Grange	$1159	$194

Car Insurance Price Trends in Van Wert, Ohio

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

The average cost of full coverage in the Van Wert rose by $102 in December compared to $100 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Van Wert rose to $31 in December, compared to $30 in November. This represents an increase of $1 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Van Wert?

The car insurance in Van Wert is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Van Wert?

The cheapest car insurance in Van Wert is $34 per month for full coverage.

How much is car insurance in Van Wert for teenagers?

Car insurance for teenagers costs $113 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 Van Wert?

The average cost of car insurance is $668 for a six-month policy. It will cost around $96 per month to insure your car in Van Wert.

Is car insurance expensive in Van Wert?

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

Cheapest Car Insurance Quotes in Van Wert

Why you can trust Way?

How Much Is Car Insurance in Van Wert

Avg. Car Insurance in Van Wert

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Van Wert

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Van Wert Car Insurance Rates by Company

Cheap Car Insurance Companies in Van Wert, OH

Way's key takeaways about car insurance in Van Wert

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Van Wert

Cheapest Liability Coverage in Van Wert, OH

Cheapest Full Coverage Car Insurance in Van Wert

Cheapest Full Coverage Car Insurance Quotes in Van Wert, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Van Wert by Rating Factor

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

Car Insurance Premiums by Age in Van Wert

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Van Wert,OH

If you are in your twenties USAA is the best choice for car insurance in Van Wert.

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 Van Wert

Cheapest Car Insurance Companies after an At-Fault Accident in Van Wert

Van Wert Car Insurance Rates by Violation

Van Wert auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Van Wert after a DUI

Van Wert car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Van Wert after Speeding ticket

Car Insurance Price Trends in Van Wert, Ohio

Average Car Insurance Cost in Van Wert by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Van Wert, OH

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

Featured Blogs

Data Sources