Cheapest Car Insurance Quotes in Whitehall

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Whitehall 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 Whitehall

The car insurance rate in Whitehall is $808 for a six-month policy, which is $140 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $288, making it a popular choice for budget-conscious drivers. Rates in Whitehall 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 Whitehall

$808

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Whitehall

1st place: American Family

At $288 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 $460 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $719 for six months, making it the third cheapest auto insurance company in Whitehall.

Whitehall Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Whitehall, OH is American Family, offering policies at just $288 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $460.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $920 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Whitehall drivers find the best deals.

Cheap Car Insurance Companies in Whitehall, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$288	$48
Auto-Owners Insurance Co	$460	$76
Travelers	$719	$122
Erie	$726	$122
State Farm	$733	$125
USAA	$733	$123
Hastings Mutual	$748	$127
Nationwide	$755	$127
Central Mutual	$870	$148
Progressive	$877	$148
Farmers	$1064	$180
Grange	$1136	$189
Allstate	$1301	$219
Westfield	$920	$156

Key Takeaways

Way's key takeaways about car insurance in Whitehall

The auto insurance costs in Whitehall fall around $288 for six months.
The cheapest auto insurance company in Whitehall is American Family.
Teen drivers pay the highest rate in Whitehall at $855 per month.

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Cheapest Minimum Liability Car Insurance in Whitehall

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 Whitehall are given below.

American Family provides the cheapest minimum car insurance coverage in Whitehall. Their Average 6 Month Premium is $151. Allstate is the most expensive at $546 for the same period.

Cheapest Liability Coverage in Whitehall, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$151	$25
Central Mutual	$166	$28
Auto-Owners Insurance Co	$180	$30
Westfield	$186	$31
USAA	$194	$33
Erie	$215	$36
State Farm	$237	$40
Progressive	$259	$44
Nationwide	$288	$48
Travelers	$301	$51
Auto-Owners	$316	$53
Farmers	$403	$69
Grange	$438	$73
Allstate	$546	$92

Cheapest Full Coverage Car Insurance in Whitehall

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 Whitehall is American Family at $48 per month and $288 for six months.

Cheapest Full Coverage Car Insurance Quotes in Whitehall, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$288	$48
Auto-Owners Insurance Co	$460	$76
Travelers	$719	$122
Erie	$726	$122
State Farm	$733	$125
USAA	$733	$123
Hastings Mutual	$748	$127
Nationwide	$755	$127
Central Mutual	$870	$148
Progressive	$877	$148
Farmers	$1064	$180
Grange	$1136	$189
Allstate	$1301	$219
Westfield	$920	$156

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Average Car Insurance in Whitehall 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 Whitehall, OH increasing?

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

Car Insurance Premiums by Age in Whitehall

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	$652
30s	USAA	$461
40s	USAA	$419
50s	USAA	$387
60s	USAA	$407
70s	USAA	$492

Cheapest Car Insurance Rates for Teen Drivers in Whitehall,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Whitehall at $27 per month. At $5031 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$159	$27
Westfield	$194	$33
USAA	$999	$168
Erie	$1064	$179
Travelers	$1301	$219
Nationwide	$2027	$341
Progressive	$2034	$342
Allstate	$2767	$466
State Farm	$2983	$507
Grange	$3292	$548
Farmers	$5031	$855

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 Whitehall.

As young drivers face the highest rates in Whitehall, USAA offers the cheapest auto insurance rates at $652 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 Whitehall, American Family is the cheapest car insurance provider. At $244 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 Whitehall is Allstate, offering rates of around $2078 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$244	$41
Westfield	$309	$52
Nationwide	$819	$138
Erie	$848	$143
Progressive	$848	$143
USAA	$920	$154
Grange	$941	$159
Allstate	$2078	$346

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Car Insurance Rates with An Accident in Whitehall

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

Cheapest Car Insurance Companies after an At-Fault Accident in Whitehall

The cheapest car insurance companies after an at-fault accident in Whitehall include Central Mutual and American Family, offering $166 and $186, respectively. Frankenmuth is an expensive provider with an average six-month premium of $295.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$166	$28
American Family	$186	$31
Auto-Owners Insurance Co	$288	$48
Westfield	$288	$48
Erie	$396	$67
Nationwide	$826	$139
Travelers	$1107	$186
Grange	$1387	$236
USAA	$1459	$246
Auto-Owners	$1646	$277
Progressive	$2329	$392
Allstate	$2745	$462
State Farm	$5520	$920
Frankenmuth	$295	$50

Whitehall Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Whitehall OH. For example, the car insurance in Whitehall after a DUI increases to $840 for a six month policy. While the rate increases by $186 for a six-month policy in the case of a speeding ticket.

Whitehall auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$885	$148
One Med/PIP claim	$905	$154
Not-at-fault accident	$920	$154
One comp claim	$941	$160
Two Med/PIP claims	$941	$157
Two comp claims	$985	$167
Failure to show documents	$992	$166
Driving without lights	$1014	$172
Failure to wear a seat belt	$1014	$169
Child safety restraint	$1035	$175
Driving with expired registration	$1035	$173
Driving too slowly	$1071	$182
Speeding 11 - 15 MPH over limit	$1071	$179
Speeding 6 - 10 MPH over limit	$1071	$182
Speeding in school zone	$1071	$179
Cell phone violation	$1078	$184
Failure to yield	$1078	$180
Following too closely	$1078	$184
Illegal turn	$1078	$180
Texting while driving	$1078	$184
Wrong way/wrong lane	$1078	$180
Failure to stop at a red light	$1085	$185
Improper passing	$1093	$182
Speeding 16 - 20 MPH over limit	$1093	$186
At-fault accident - less than $1000	$1129	$188
Passing school bus	$1136	$194
Speeding 21 - 25 MPH over limit	$1164	$194
In 65 MPH zone	$1179	$201
At-fault accident - $1000-$2000	$1301	$217
At-fault accident - greater than $2000	$1308	$223
Open container	$1308	$218
Operating a vehicle without permission	$1315	$224
Reckless driving	$1667	$278
Racing	$1696	$288
Refusal to submit to a chemical test	$1696	$283
Driving with a suspended license	$1711	$290
DUI	$1725	$288
Leaving scene of an accident/hit and run	$1775	$301

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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 Whitehall 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 Whitehall.

The cheapest car insurance premiums in Whitehall are offered by American Family at $186 for a six-month policy. However, it can be as expensive as $1819 with companies like Grange.

Whitehall car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$186	$31
Erie	$560	$94
Travelers	$597	$100
Progressive	$697	$117
USAA	$726	$122
Nationwide	$1056	$178
State Farm	$1157	$197
Farmers	$1437	$240
Allstate	$1761	$296
Grange	$1819	$303

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 Whitehall are offered by American Family at $186. However, it can be as expensive as $1631 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Whitehall after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$186	$31
Auto-Owners Insurance Co	$186	$31
Westfield	$201	$34
Erie	$417	$70
USAA	$661	$110
Nationwide	$690	$116
Progressive	$726	$122
Allstate	$1581	$269
Grange	$1631	$272

Car Insurance Price Trends in Whitehall, Ohio

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

The average cost of full coverage in the Whitehall rose by $144 in December compared to $140 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 Whitehall rose to $44 in December, compared to $42 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Whitehall?

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

What is the cheapest car insurance in Whitehall?

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

How much is car insurance in Whitehall for teenagers?

Car insurance for teenagers costs $159 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 Whitehall?

The average cost of car insurance is $668 for a six-month policy. It will cost around $136 per month to insure your car in Whitehall.

Is car insurance expensive in Whitehall?

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

Cheapest Car Insurance Quotes in Whitehall

Why you can trust Way?

How Much Is Car Insurance in Whitehall

Avg. Car Insurance in Whitehall

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Whitehall

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Whitehall Car Insurance Rates by Company

Cheap Car Insurance Companies in Whitehall, OH

Way's key takeaways about car insurance in Whitehall

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Whitehall

Cheapest Liability Coverage in Whitehall, OH

Cheapest Full Coverage Car Insurance in Whitehall

Cheapest Full Coverage Car Insurance Quotes in Whitehall, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Whitehall by Rating Factor

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

Car Insurance Premiums by Age in Whitehall

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Whitehall,OH

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

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 Whitehall

Cheapest Car Insurance Companies after an At-Fault Accident in Whitehall

Whitehall Car Insurance Rates by Violation

Whitehall auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Whitehall after a DUI

Whitehall car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Whitehall after Speeding ticket

Car Insurance Price Trends in Whitehall, Ohio

Average Car Insurance Cost in Whitehall by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Whitehall, OH

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

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