Cheapest Car Insurance Quotes in West Portsmouth

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West Portsmouth 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 West Portsmouth

The car insurance rate in West Portsmouth is $780 for a six-month policy, which is $37 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $250, making it a popular choice for budget-conscious drivers. Rates in West Portsmouth 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 West Portsmouth

$780

Avg. Car Insurance in Ohio

$743

National Average

$1278

Cheapest Car Insurance Companies in West Portsmouth

1st place: American Family

At $250 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 $399 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $624 for six months, making it the third cheapest auto insurance company in West Portsmouth.

West Portsmouth Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Portsmouth, OH is American Family, offering policies at just $250 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $399.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1197 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Portsmouth drivers find the best deals.

Cheap Car Insurance Companies in West Portsmouth, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$250	$42
Auto-Owners Insurance Co	$399	$66
Travelers	$624	$106
State Farm	$636	$106
Hastings Mutual	$649	$110
USAA	$655	$110
Erie	$679	$114
Nationwide	$717	$121
Central Mutual	$755	$128
Progressive	$785	$132
Auto-Owners	$848	$144
Farmers	$923	$154
Westfield	$1086	$185
Cincinnati	$1135	$189
Grange	$1154	$196
Allstate	$1197	$202

Key Takeaways

Way's key takeaways about car insurance in West Portsmouth

The auto insurance costs in West Portsmouth fall around $250 for six months.
The cheapest auto insurance company in West Portsmouth is American Family.
Teen drivers pay the highest rate in West Portsmouth at $742 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 West Portsmouth

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 West Portsmouth are given below.

American Family provides the cheapest minimum car insurance coverage in West Portsmouth. Their Average 6 Month Premium is $131. Allstate is the most expensive at $474 for the same period.

Cheapest Liability Coverage in West Portsmouth, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$131	$22
Central Mutual	$144	$24
Auto-Owners Insurance Co	$156	$26
USAA	$181	$30
Erie	$193	$33
Westfield	$193	$33
State Farm	$206	$35
Progressive	$237	$40
Auto-Owners	$261	$44
Travelers	$261	$44
Nationwide	$318	$54
Farmers	$350	$58
Grange	$412	$70
Cincinnati	$437	$72
Allstate	$474	$80

Cheapest Full Coverage Car Insurance in West Portsmouth

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 West Portsmouth is American Family at $42 per month and $250 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Portsmouth, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$250	$42
Auto-Owners Insurance Co	$399	$66
Travelers	$624	$106
State Farm	$636	$106
Hastings Mutual	$649	$110
USAA	$655	$110
Erie	$679	$114
Nationwide	$717	$121
Central Mutual	$755	$128
Progressive	$785	$132
Auto-Owners	$848	$144
Farmers	$923	$154
Westfield	$1086	$185
Cincinnati	$1135	$189
Grange	$1154	$196
Allstate	$1197	$202

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Average Car Insurance in West Portsmouth 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 West Portsmouth, OH increasing?

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

Car Insurance Premiums by Age in West Portsmouth

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	$596
30s	USAA	$422
40s	USAA	$382
50s	USAA	$354
60s	USAA	$372
70s	USAA	$450

Cheapest Car Insurance Rates for Teen Drivers in West Portsmouth,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the West Portsmouth at $23 per month. At $4366 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$138	$23
USAA	$842	$142
Erie	$967	$163
Travelers	$1129	$190
Westfield	$1260	$212
Progressive	$1815	$306
Nationwide	$2314	$390
Auto-Owners	$2470	$412
Allstate	$2526	$425
State Farm	$2588	$432
Cincinnati	$3280	$558
Grange	$3312	$552
Farmers	$4366	$742

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 West Portsmouth.

As young drivers face the highest rates in West Portsmouth, USAA offers the cheapest auto insurance rates at $596 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 West Portsmouth, American Family is the cheapest car insurance provider. At $212 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 West Portsmouth is AutoOwners, offering rates of around $2370 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$212	$36
Progressive	$780	$131
Nationwide	$898	$151
USAA	$917	$153
Grange	$929	$156
Erie	$948	$160
Westfield	$1110	$187
Cincinnati	$1716	$286
Allstate	$2045	$348
Auto-Owners	$2370	$395

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in West Portsmouth.

Car Insurance Rates with An Accident in West Portsmouth

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 West Portsmouth, OH, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in West Portsmouth

The cheapest car insurance companies after an at-fault accident in West Portsmouth include Central Mutual and American Family, offering $144 and $162, respectively. State Farm is an expensive provider with an average six-month premium of $4790.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$144	$24
American Family	$162	$27
Auto-Owners Insurance Co	$250	$42
Erie	$443	$75
Westfield	$662	$111
Nationwide	$898	$151
Travelers	$961	$162
USAA	$1298	$218
Auto-Owners	$1347	$227
Grange	$1415	$240
Progressive	$2058	$347
Cincinnati	$2115	$359
Allstate	$2520	$424
State Farm	$4790	$815

West Portsmouth Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Portsmouth OH. For example, the car insurance in West Portsmouth after a DUI increases to $729 for a six month policy. While the rate increases by $161 for a six-month policy in the case of a speeding ticket.

West Portsmouth auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$768	$128
One Med/PIP claim	$785	$133
Not-at-fault accident	$798	$133
One comp claim	$817	$139
Two Med/PIP claims	$817	$137
Two comp claims	$855	$145
Failure to show documents	$861	$144
Driving without lights	$880	$149
Failure to wear a seat belt	$880	$147
Child safety restraint	$898	$152
Driving with expired registration	$898	$150
Driving too slowly	$929	$158
Speeding 11 - 15 MPH over limit	$929	$155
Speeding 6 - 10 MPH over limit	$929	$158
Speeding in school zone	$929	$155
Cell phone violation	$936	$160
Failure to yield	$936	$156
Following too closely	$936	$160
Illegal turn	$936	$156
Texting while driving	$936	$160
Wrong way/wrong lane	$936	$156
Failure to stop at a red light	$942	$161
Improper passing	$948	$158
Speeding 16 - 20 MPH over limit	$948	$162
At-fault accident - less than $1000	$980	$163
Passing school bus	$986	$168
Speeding 21 - 25 MPH over limit	$1010	$168
In 65 MPH zone	$1023	$174
At-fault accident - $1000-$2000	$1129	$188
At-fault accident - greater than $2000	$1135	$193
Open container	$1135	$189
Operating a vehicle without permission	$1141	$194
Reckless driving	$1447	$242
Racing	$1472	$250
Refusal to submit to a chemical test	$1472	$246
Driving with a suspended license	$1485	$252
DUI	$1497	$250
Leaving scene of an accident/hit and run	$1540	$261

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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 West Portsmouth 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 West Portsmouth.

The cheapest car insurance premiums in West Portsmouth are offered by American Family at $162 for a six-month policy. However, it can be as expensive as $2775 with companies like Cincinnati.

West Portsmouth car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$162	$27
Travelers	$518	$87
Progressive	$624	$105
Erie	$643	$108
USAA	$730	$123
State Farm	$1004	$171
Nationwide	$1148	$193
Farmers	$1247	$212
Auto-Owners	$1603	$267
Allstate	$1640	$276
Grange	$1852	$309
Westfield	$2408	$410
Cincinnati	$2775	$463

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 West Portsmouth are offered by American Family at $162. However, it can be as expensive as $1653 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in West Portsmouth after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$162	$27
Auto-Owners Insurance Co	$162	$27
Erie	$462	$78
Progressive	$643	$108
USAA	$662	$110
Westfield	$742	$125
Nationwide	$749	$126
Auto-Owners	$848	$144
Cincinnati	$1341	$224
Allstate	$1566	$267
Grange	$1653	$275

Car Insurance Price Trends in West Portsmouth, Ohio

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

The average cost of full coverage in the West Portsmouth rose by $156 in January compared to $125 of December. In other words, there has been an increase by $31 when you compare January and December.

The average cost of liability insurance in the West Portsmouth rose to $41 in January, compared to $38 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in West Portsmouth?

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

What is the cheapest car insurance in West Portsmouth?

The cheapest car insurance in West Portsmouth is $42 per month for full coverage.

How much is car insurance in West Portsmouth for teenagers?

Car insurance for teenagers costs $138 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 West Portsmouth?

The average cost of car insurance is $743 for a six-month policy. It will cost around $131 per month to insure your car in West Portsmouth.

Is car insurance expensive in West Portsmouth?

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

Cheapest Car Insurance Quotes in West Portsmouth

Why you can trust Way?

How Much Is Car Insurance in West Portsmouth

Avg. Car Insurance in West Portsmouth

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in West Portsmouth

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

West Portsmouth Car Insurance Rates by Company

Cheap Car Insurance Companies in West Portsmouth, OH

Way's key takeaways about car insurance in West Portsmouth

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in West Portsmouth

Cheapest Liability Coverage in West Portsmouth, OH

Cheapest Full Coverage Car Insurance in West Portsmouth

Cheapest Full Coverage Car Insurance Quotes in West Portsmouth, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in West Portsmouth by Rating Factor

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

Car Insurance Premiums by Age in West Portsmouth

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in West Portsmouth,OH

If you are in your twenties USAA is the best choice for car insurance in West Portsmouth.

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 West Portsmouth

Cheapest Car Insurance Companies after an At-Fault Accident in West Portsmouth

West Portsmouth Car Insurance Rates by Violation

West Portsmouth auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in West Portsmouth after a DUI

West Portsmouth car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in West Portsmouth after Speeding ticket

Car Insurance Price Trends in West Portsmouth, Ohio

Average Car Insurance Cost in West Portsmouth by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near West Portsmouth, OH

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

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