Compare Westerville, OH Car Insurance Rates (2021)

Car insurance in Westerville, OH averages $248 a month. Westerville, Ohio car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Westerville car insurance rates, compare quotes from the top car insurance companies in Westerville, OH.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Westerville, OH after a DUI are $3,452/year
  • The cheapest car insurance company in Westerville for teen drivers is USAA
  • The cheapest car insurance company in Westerville is USAA

If you need to buy Westerville, Ohio car insurance, the options can be confusing. Everything you need to know about car insurance in Westerville, OH is right here.

You’ll find Westerville car insurance rates, the cheapest Westerville, OH car insurance companies, and information on Ohio car insurance laws. You can also compare Westerville, Ohio car insurance rates to Lorain car insurance rates, Toledo car insurance rates, and Columbus car insurance rates.

Ready to find affordable Westerville, OH car insurance today? Enter your ZIP code for fast, free Westerville car insurance quotes.

Cheapest Westerville, OH Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Westerville, OH car insurance rates? Every Westerville, Ohio car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in Westerville, OH

Every driver must carry the minimum car insurance in Westerville, OH. Take a look at the Ohio car insurance requirements.

Minimum Required Car 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

Cheapest Westerville, OH Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Westerville, OH. Compare credit history car insurance rates in Westerville from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Westerville, OH Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Westerville, OH to rates for a clean record with top companies.

Annual Westerville, Ohio Car 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

Cheapest Westerville, OH Car Insurance for Teen Drivers

Teen car insurance in Westerville, OH can be expensive. Take a look at rates from the top car insurance companies in Westerville for teenagers.

Annual Car 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

Cheapest Westerville, OH Car Insurance for Seniors

Take a look at Westerville, OH senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Westerville, OH Car Insurance Rates After a DUI

A DUI in Westerville, OH increases car insurance rates. Compare Westerville, Ohio DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Westerville, Ohio

Insurance Company Annual Car 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

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Cheapest Westerville, OH Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Westerville, OH by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Westerville, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

The Best Cheap Car Insurance Companies in Westerville, OH

Take a look at a side-by-side comparison of the top car insurance companies in Westerville, OH to find the best option for your needs.

Average Annual Car 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

Category Winners: Cheapest Car Insurance in Westerville, Ohio

Find the cheapest car insurance companies in Westerville, OH for each category right here.

Best Annual Car 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

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Cheapest Westerville, OH Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Westerville car insurance rates. Find the cheapest Westerville, OH car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Westerville, Ohio?

What factors can have an impact on Westerville, OH car insurance? There are several reasons why Westerville car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Westerville, Ohio.

Car Theft in Westerville

High levels of vehicle theft can make car insurance more expensive. Westerville, OH car theft statistics from the FBI indicate 22 vehicle thefts a year.

Commute Time in Westerville

The more time you spend in your car the higher the risk of an accident. The average commute length in Westerville, OH is 22.2 minutes according to City-Data.

Compare Car Insurance Quotes in Westerville, OH

Ready to find affordable Westerville, Ohio car insurance today? Enter your ZIP code for fast, free Westerville, OH car insurance quotes.

Free Car Insurance Comparison

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

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