Best Cheap Auto Insurance in Waterville, OH (2021)

The average Waterville, OH auto insurance rates are $219 per month. The minimum auto insurance in Waterville is at least 25/50/25 in coverage to comply with Ohio auto insurance laws. To find the best cheap auto insurance in Waterville, Ohio, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Waterville is American Family
  • The most expensive auto insurance company in Waterville for teen drivers is Liberty Mutual
  • The minimum auto insurance required in Waterville, Ohio is 25/50/25

Waterville, Ohio auto insurance requirements are 25/50/25 according to Ohio auto insurance laws. Finding cheap auto insurance in Waterville can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Waterville, Ohio, including driving record, credit, commute time, and more.

Compare auto insurance in Waterville to other Ohio cities, including Dayton auto insurance rates, Cincinnati auto insurance rates, and Youngs auto insurance rates to see how Waterville, Ohio auto insurance rates stack up.

Before you buy Waterville, Ohio auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Waterville, Ohio auto insurance quotes.

Minimum Auto Insurance in Waterville, Ohio

Waterville, Ohio auto insurance laws require that you have at least the Ohio minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Waterville, Ohio.

Minimum Required Auto Insurance Coverage in Waterville, Ohio

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Waterville, Ohio Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Waterville, Ohio are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Waterville, Ohio

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,993 $1,980 $1,803 $1,924 $5,566 $6,379 $2,088 $2,224
American Family $843 $873 $770 $772 $2,540 $2,750 $1,039 $1,091
Farmers $1,803 $1,798 $1,588 $1,678 $8,070 $8,383 $2,018 $2,102
GEICO $1,265 $1,233 $1,199 $1,220 $3,428 $3,186 $1,403 $1,182
Liberty Mutual $1,881 $2,052 $1,445 $1,762 $9,957 $11,238 $1,990 $2,168
Nationwide $2,031 $2,039 $1,837 $1,847 $5,258 $6,756 $2,173 $2,521
Progressive $1,385 $1,299 $1,155 $1,191 $6,280 $7,055 $1,660 $1,714
State Farm $1,485 $1,485 $1,339 $1,339 $4,791 $6,009 $1,730 $1,988
Travelers $1,370 $1,389 $1,373 $1,364 $6,058 $9,587 $1,433 $1,615
USAA $839 $846 $798 $797 $2,571 $2,863 $1,119 $1,210

Cheap Waterville, Ohio Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Waterville, Ohio is a challenge. Take a look at the annual teen auto insurance rates in Waterville, Ohio.

Annual Auto Insurance Rates for Teen Drivers in Waterville, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,566 $6,379
American Family $2,540 $2,750
Farmers $8,070 $8,383
GEICO $3,428 $3,186
Liberty Mutual $9,957 $11,238
Nationwide $5,258 $6,756
Progressive $6,280 $7,055
State Farm $4,791 $6,009
Travelers $6,058 $9,587
USAA $2,571 $2,863

Cheap Waterville, Ohio Auto Insurance for Seniors

What are senior auto insurance rates in Waterville, Ohio? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Waterville, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,803 $1,924
American Family $770 $772
Farmers $1,588 $1,678
GEICO $1,199 $1,220
Liberty Mutual $1,445 $1,762
Nationwide $1,837 $1,847
Progressive $1,155 $1,191
State Farm $1,339 $1,339
Travelers $1,373 $1,364
USAA $798 $797

Cheap Waterville, Ohio Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Waterville, Ohio compared to the annual auto insurance rates with a clean record in Waterville, Ohio.

Annual Waterville, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,515 $3,037 $3,578 $2,848
American Family $1,281 $1,353 $1,353 $1,353
Farmers $2,828 $3,645 $3,555 $3,691
GEICO $1,192 $1,728 $2,525 $1,613
Liberty Mutual $3,408 $4,387 $4,472 $3,979
Nationwide $2,458 $3,116 $3,943 $2,714
Progressive $2,342 $3,193 $2,494 $2,841
State Farm $2,288 $2,754 $2,521 $2,521
Travelers $2,219 $2,903 $4,388 $2,585
USAA $1,062 $1,422 $1,861 $1,176

Cheap Waterville, Ohio Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Waterville, Ohio is not easy. Compare the annual rates for DUI auto insurance in Waterville, Ohio to find the best deal.

Annual Auto Insurance Rates After a DUI in Waterville, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,578
American Family $1,353
Farmers $3,555
GEICO $2,525
Liberty Mutual $4,472
Nationwide $3,943
Progressive $2,494
State Farm $2,521
Travelers $4,388
USAA $1,861

Cheap Waterville, Ohio Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Waterville, Ohio annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Waterville, Ohio

Insurance Company Poor Fair Good
Allstate $3,840 $2,803 $2,341
American Family $1,770 $1,210 $1,025
Farmers $3,880 $3,284 $3,127
GEICO $2,115 $1,765 $1,414
Liberty Mutual $5,808 $3,574 $2,803
Nationwide $3,688 $2,973 $2,512
Progressive $3,044 $2,639 $2,469
State Farm $3,593 $2,220 $1,750
Travelers $3,376 $2,943 $2,752
USAA $1,792 $1,268 $1,081

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Cheap Waterville, Ohio Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Waterville, Ohio can vary. Compare the annual cost of auto insurance by ZIP code in Waterville, Ohio to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Waterville, Ohio

ZIP Code Average Annual Rates
43566 $2,514

Cheap Waterville, Ohio Auto Insurance Rates By Commute

Commute length and annual mileage affect Waterville, Ohio auto insurance. Find the cheapest annual Waterville, Ohio auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Waterville, Ohio

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $2,995 $2,995
American Family $1,319 $1,350
Farmers $3,430 $3,430
GEICO $1,735 $1,794
Liberty Mutual $4,062 $4,062
Nationwide $3,058 $3,058
Progressive $2,718 $2,718
State Farm $2,458 $2,584
Travelers $3,024 $3,024
USAA $1,328 $1,433

Cheap Waterville, Ohio Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Waterville, Ohio? Check out the comparison of annual Waterville, Ohio auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Waterville, Ohio

Insurance Company Low Medium High
Allstate $2,904 $2,988 $3,092
American Family $1,311 $1,344 $1,349
Farmers $3,241 $3,376 $3,673
GEICO $1,703 $1,756 $1,834
Liberty Mutual $3,887 $4,083 $4,215
Nationwide $3,360 $2,966 $2,848
Progressive $2,628 $2,698 $2,827
State Farm $2,387 $2,530 $2,646
Travelers $2,930 $3,065 $3,075
USAA $1,323 $1,379 $1,440

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Best By Category: Cheapest Auto Insurance in Waterville, Ohio

Compare the cheapest auto insurance companies in Waterville, Ohio in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Waterville, Ohio

Category Insurance Company
Teenagers American Family
Seniors American Family
Clean Record USAA
With 1 Accident American Family
With 1 DUI American Family
With 1 Speeding Violation USAA

The Cheapest Waterville, Ohio Auto Insurance Companies

What auto insurance companies in Waterville, Ohio are the cheapest? Compare the top Waterville, Ohio auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Waterville, Ohio

Insurance Company Average Annual Rates
Allstate $2,995
American Family $1,335
Farmers $3,430
GEICO $1,765
Liberty Mutual $4,062
Nationwide $3,058
Progressive $2,718
State Farm $2,521
Travelers $3,024
USAA $1,380

What affects auto insurance rates in Waterville, Ohio?

There are a lot of reasons why auto insurance rates in Waterville, Ohio are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Waterville, Ohio. Many local factors may affect your Waterville auto insurance rates.

Waterville Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Waterville, Ohio auto theft statistics, there have been 2 auto thefts in the city.

Waterville Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Waterville, Ohio commute length is 25.0 minutes according to City-Data.

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Compare Waterville, Ohio Auto Insurance Quotes

Before you buy Waterville, Ohio auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Waterville, Ohio auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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