Cheapest Car Insurance Quotes in Zanesville

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Zanesville Car Insurance

^$ 20

/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 Zanesville

The car insurance rate in Zanesville is $721 for a six-month policy, which is $22 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $231, making it a popular choice for budget-conscious drivers. Rates in Zanesville 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 Zanesville

$721

Avg. Car Insurance in Ohio

$743

National Average

$1278

Cheapest Car Insurance Companies in Zanesville

1st place: American Family

At $231 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 $369 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $576 for six months, making it the third cheapest auto insurance company in Zanesville.

Zanesville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Zanesville, OH is American Family, offering policies at just $231 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $369.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1106 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Zanesville drivers find the best deals.

Cheap Car Insurance Companies in Zanesville, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$231	$39
Auto-Owners Insurance Co	$369	$61
Travelers	$576	$98
State Farm	$588	$98
Hastings Mutual	$599	$102
USAA	$605	$102
Erie	$628	$106
Nationwide	$663	$112
Central Mutual	$697	$118
Progressive	$726	$122
Auto-Owners	$784	$133
Farmers	$853	$143
Westfield	$1003	$171
Cincinnati	$1049	$175
Grange	$1066	$181
Allstate	$1106	$186

Key Takeaways

Way's key takeaways about car insurance in Zanesville

The auto insurance costs in Zanesville fall around $231 for six months.
The cheapest auto insurance company in Zanesville is American Family.
Teen drivers pay the highest rate in Zanesville at $686 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Zanesville

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 Zanesville are given below.

American Family provides the cheapest minimum car insurance coverage in Zanesville. Their Average 6 Month Premium is $121. Allstate is the most expensive at $437 for the same period.

Cheapest Liability Coverage in Zanesville, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$121	$20
Central Mutual	$133	$22
Auto-Owners Insurance Co	$145	$24
USAA	$167	$28
Erie	$178	$30
Westfield	$178	$30
State Farm	$190	$32
Progressive	$219	$37
Auto-Owners	$242	$41
Travelers	$242	$41
Nationwide	$294	$49
Farmers	$323	$53
Grange	$380	$65
Cincinnati	$404	$67
Allstate	$437	$74

Cheapest Full Coverage Car Insurance in Zanesville

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 Zanesville is American Family at $39 per month and $231 for six months.

Cheapest Full Coverage Car Insurance Quotes in Zanesville, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$231	$39
Auto-Owners Insurance Co	$369	$61
Travelers	$576	$98
State Farm	$588	$98
Hastings Mutual	$599	$102
USAA	$605	$102
Erie	$628	$106
Nationwide	$663	$112
Central Mutual	$697	$118
Progressive	$726	$122
Auto-Owners	$784	$133
Farmers	$853	$143
Westfield	$1003	$171
Cincinnati	$1049	$175
Grange	$1066	$181
Allstate	$1106	$186

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Average Car Insurance in Zanesville 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 Zanesville, OH increasing?

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

Car Insurance Premiums by Age in Zanesville

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	$551
30s	USAA	$390
40s	USAA	$353
50s	USAA	$327
60s	USAA	$343
70s	USAA	$416

Cheapest Car Insurance Rates for Teen Drivers in Zanesville,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Zanesville at $21 per month. At $4033 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$127	$21
USAA	$778	$131
Erie	$893	$150
Travelers	$1043	$176
Westfield	$1164	$196
Progressive	$1677	$282
Nationwide	$2138	$360
Auto-Owners	$2281	$380
Allstate	$2334	$393
State Farm	$2391	$399
Cincinnati	$3030	$515
Grange	$3059	$510
Farmers	$4033	$686

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 Zanesville.

As young drivers face the highest rates in Zanesville, USAA offers the cheapest auto insurance rates at $551 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 Zanesville, American Family is the cheapest car insurance provider. At $196 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 Zanesville is AutoOwners, offering rates of around $2189 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$196	$33
Progressive	$721	$121
Nationwide	$829	$140
USAA	$847	$142
Grange	$858	$145
Erie	$876	$147
Westfield	$1025	$173
Cincinnati	$1585	$264
Allstate	$1890	$321
Auto-Owners	$2189	$365

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Zanesville

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

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

The cheapest car insurance companies after an at-fault accident in Zanesville include Central Mutual and American Family, offering $133 and $149, respectively. State Farm is an expensive provider with an average six-month premium of $4425.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$133	$22
American Family	$149	$25
Auto-Owners Insurance Co	$231	$39
Erie	$409	$69
Westfield	$611	$103
Nationwide	$829	$140
Travelers	$888	$149
USAA	$1199	$202
Auto-Owners	$1245	$210
Grange	$1308	$222
Progressive	$1901	$320
Cincinnati	$1954	$332
Allstate	$2328	$392
State Farm	$4425	$753

Zanesville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Zanesville OH. For example, the car insurance in Zanesville after a DUI increases to $674 for a six month policy. While the rate increases by $149 for a six-month policy in the case of a speeding ticket.

Zanesville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$709	$118
One Med/PIP claim	$726	$123
Not-at-fault accident	$737	$123
One comp claim	$755	$128
Two Med/PIP claims	$755	$126
Two comp claims	$790	$134
Failure to show documents	$795	$133
Driving without lights	$813	$138
Failure to wear a seat belt	$813	$136
Child safety restraint	$829	$141
Driving with expired registration	$829	$139
Driving too slowly	$858	$146
Speeding 11 - 15 MPH over limit	$858	$144
Speeding 6 - 10 MPH over limit	$858	$146
Speeding in school zone	$858	$144
Cell phone violation	$864	$147
Failure to yield	$864	$145
Following too closely	$864	$147
Illegal turn	$864	$145
Texting while driving	$864	$147
Wrong way/wrong lane	$864	$145
Failure to stop at a red light	$870	$148
Improper passing	$876	$146
Speeding 16 - 20 MPH over limit	$876	$149
At-fault accident - less than $1000	$905	$150
Passing school bus	$911	$155
Speeding 21 - 25 MPH over limit	$933	$155
In 65 MPH zone	$945	$161
At-fault accident - $1000-$2000	$1043	$174
At-fault accident - greater than $2000	$1049	$178
Open container	$1049	$175
Operating a vehicle without permission	$1054	$179
Reckless driving	$1337	$223
Racing	$1360	$231
Refusal to submit to a chemical test	$1360	$227
Driving with a suspended license	$1372	$233
DUI	$1383	$231
Leaving scene of an accident/hit and run	$1423	$242

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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 Zanesville 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 Zanesville.

The cheapest car insurance premiums in Zanesville are offered by American Family at $149 for a six-month policy. However, it can be as expensive as $2564 with companies like Cincinnati.

Zanesville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$149	$25
Travelers	$478	$81
Progressive	$576	$97
Erie	$594	$100
USAA	$674	$113
State Farm	$927	$158
Nationwide	$1060	$178
Farmers	$1152	$196
Auto-Owners	$1481	$246
Allstate	$1515	$255
Grange	$1711	$285
Westfield	$2224	$378
Cincinnati	$2564	$428

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 Zanesville are offered by American Family at $149. However, it can be as expensive as $1527 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Zanesville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$149	$25
Auto-Owners Insurance Co	$149	$25
Erie	$427	$72
Progressive	$594	$100
USAA	$611	$102
Westfield	$686	$115
Nationwide	$692	$116
Auto-Owners	$784	$133
Cincinnati	$1239	$207
Allstate	$1446	$246
Grange	$1527	$254

Car Insurance Price Trends in Zanesville, Ohio

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

The average cost of full coverage in the Zanesville rose by $145 in January compared to $115 of December. In other words, there has been an increase by $30 when you compare January and December.

The average cost of liability insurance in the Zanesville rose to $38 in January, compared to $35 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 Zanesville?

The car insurance in Zanesville is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Zanesville?

The cheapest car insurance in Zanesville is $39 per month for full coverage.

How much is car insurance in Zanesville for teenagers?

Car insurance for teenagers costs $127 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 Zanesville?

The average cost of car insurance is $743 for a six-month policy. It will cost around $121 per month to insure your car in Zanesville.

Is car insurance expensive in Zanesville?

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

Cheapest Car Insurance Quotes in Zanesville

Why you can trust Way?

How Much Is Car Insurance in Zanesville

Avg. Car Insurance in Zanesville

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Zanesville

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Zanesville Car Insurance Rates by Company

Cheap Car Insurance Companies in Zanesville, OH

Way's key takeaways about car insurance in Zanesville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Zanesville

Cheapest Liability Coverage in Zanesville, OH

Cheapest Full Coverage Car Insurance in Zanesville

Cheapest Full Coverage Car Insurance Quotes in Zanesville, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Zanesville by Rating Factor

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

Car Insurance Premiums by Age in Zanesville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Zanesville,OH

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

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 Zanesville

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

Zanesville Car Insurance Rates by Violation

Zanesville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Zanesville after a DUI

Zanesville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Zanesville after Speeding ticket

Car Insurance Price Trends in Zanesville, Ohio

Average Car Insurance Cost in Zanesville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Zanesville, OH

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

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