Best Cheap Auto Insurance in Westerville, OH (2021)

The average Westerville, OH auto insurance rates are $248 per month. The minimum auto insurance in Westerville is at least 25/50/25 in coverage to comply with Ohio auto insurance laws. To find the best cheap auto insurance in Westerville, Ohio, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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

Westerville, Ohio auto insurance requirements are 25/50/25 according to Ohio auto insurance laws. Finding cheap auto insurance in Westerville 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 Westerville, Ohio, including driving record, credit, commute time, and more.

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

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

Minimum Auto Insurance in Westerville, Ohio

Westerville, 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 Westerville, Ohio.

Minimum Required Auto Insurance Coverage in Westerville, 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 Westerville, Ohio Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Westerville, 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 Westerville, 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 $2,183 $2,162 $1,976 $2,110 $6,269 $7,201 $2,278 $2,423
American Family $966 $1,000 $900 $899 $3,274 $3,534 $1,207 $1,268
Farmers $1,884 $1,878 $1,657 $1,752 $8,532 $8,869 $2,112 $2,199
GEICO $1,389 $1,352 $1,310 $1,329 $3,814 $3,549 $1,544 $1,300
Liberty Mutual $2,569 $2,806 $1,968 $2,402 $13,712 $15,481 $2,727 $2,977
Nationwide $2,148 $2,156 $1,942 $1,952 $5,578 $7,171 $2,299 $2,669
Progressive $1,671 $1,566 $1,393 $1,438 $7,604 $8,548 $2,002 $2,070
State Farm $1,549 $1,549 $1,397 $1,397 $5,017 $6,289 $1,806 $2,077
Travelers $1,391 $1,411 $1,389 $1,381 $6,122 $9,704 $1,453 $1,643
USAA $852 $858 $814 $810 $2,657 $2,953 $1,137 $1,226

Cheap Westerville, Ohio Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Westerville, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,269 $7,201
American Family $3,274 $3,534
Farmers $8,532 $8,869
GEICO $3,814 $3,549
Liberty Mutual $13,712 $15,481
Nationwide $5,578 $7,171
Progressive $7,604 $8,548
State Farm $5,017 $6,289
Travelers $6,122 $9,704
USAA $2,657 $2,953

Cheap Westerville, Ohio Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Westerville, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,976 $2,110
American Family $900 $899
Farmers $1,657 $1,752
GEICO $1,310 $1,329
Liberty Mutual $1,968 $2,402
Nationwide $1,942 $1,952
Progressive $1,393 $1,438
State Farm $1,397 $1,397
Travelers $1,389 $1,381
USAA $814 $810

Cheap Westerville, 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 Westerville, Ohio compared to the annual auto insurance rates with a clean record in Westerville, Ohio.

Annual Westerville, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,776 $3,368 $3,997 $3,159
American Family $1,562 $1,654 $1,654 $1,654
Farmers $2,975 $3,838 $3,742 $3,886
GEICO $1,312 $1,911 $2,794 $1,777
Liberty Mutual $4,681 $6,024 $6,148 $5,468
Nationwide $2,601 $3,302 $4,181 $2,873
Progressive $2,830 $3,864 $3,015 $3,437
State Farm $2,390 $2,880 $2,635 $2,635
Travelers $2,250 $2,939 $4,441 $2,618
USAA $1,086 $1,457 $1,910 $1,202

Cheap Westerville, Ohio Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Westerville, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,997
American Family $1,654
Farmers $3,742
GEICO $2,794
Liberty Mutual $6,148
Nationwide $4,181
Progressive $3,015
State Farm $2,635
Travelers $4,441
USAA $1,910

Cheap Westerville, Ohio Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Westerville, Ohio

Insurance Company Poor Fair Good
Allstate $4,260 $3,118 $2,598
American Family $2,169 $1,477 $1,248
Farmers $4,078 $3,460 $3,294
GEICO $2,338 $1,948 $1,559
Liberty Mutual $7,998 $4,904 $3,839
Nationwide $3,909 $3,150 $2,659
Progressive $3,680 $3,192 $2,988
State Farm $3,756 $2,321 $1,829
Travelers $3,419 $2,980 $2,786
USAA $1,832 $1,300 $1,108

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Cheap Westerville, Ohio Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Westerville, Ohio

ZIP Code Average Annual Rates
43082 $2,832

Cheap Westerville, Ohio Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Westerville, Ohio

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,325 $3,325
American Family $1,611 $1,651
Farmers $3,610 $3,610
GEICO $1,917 $1,979
Liberty Mutual $5,580 $5,580
Nationwide $3,239 $3,239
Progressive $3,287 $3,287
State Farm $2,569 $2,701
Travelers $3,062 $3,062
USAA $1,361 $1,466

Cheap Westerville, Ohio Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Westerville, Ohio

Insurance Company Low Medium High
Allstate $3,233 $3,320 $3,423
American Family $1,599 $1,644 $1,650
Farmers $3,411 $3,555 $3,866
GEICO $1,888 $1,941 $2,016
Liberty Mutual $5,360 $5,609 $5,772
Nationwide $3,581 $3,139 $2,998
Progressive $3,173 $3,261 $3,425
State Farm $2,496 $2,644 $2,765
Travelers $2,968 $3,104 $3,113
USAA $1,352 $1,412 $1,476

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Best By Category: Cheapest Auto Insurance in Westerville, Ohio

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

Best Annual Auto Insurance Rates by Company in Westerville, Ohio

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

The Cheapest Westerville, Ohio Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Westerville, Ohio

Insurance Company Average Annual Rates
Allstate $3,325
American Family $1,631
Farmers $3,610
GEICO $1,948
Liberty Mutual $5,580
Nationwide $3,239
Progressive $3,287
State Farm $2,635
Travelers $3,062
USAA $1,413

What affects auto insurance rates in Westerville, Ohio?

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

Westerville Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Westerville, Ohio auto theft statistics, there have been 22 auto thefts in the city.

Westerville Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Westerville, Ohio commute length is 22.2 minutes according to City-Data.

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Compare Westerville, Ohio Auto Insurance Quotes

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