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Cheapest car insurance in Wheelersburg, Ohio (Nov 2024)
Cheapest car insurance in Wheelersburg, Ohio (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Wheelersburg, Ohio.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Bonnie Stinson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance in Wheelersburg
- Best car insurance companies in Wheelersburg
- Best cheap car insurance quotes in Wheelersburg
- Average cost of car insurance in Wheelersburg
- Car insurance quotes in Wheelersburg by rating factors
- How do different factors impact your car insurance costs in Wheelersburg?
- Cheap car insurance quotes in Wheelersburg after driving violations
- Cheap car insurance quotes in Wheelersburg by age
- Cheap car insurance quotes in Wheelersburg based on insurance history
- Cheap car insurance quotes in Wheelersburg for popular cars
- How to lower car insurance costs in Wheelersburg
- FAQ
- Methodology
- Meet our experts
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How to find the cheapest car insurance in Wheelersburg
On average,
auto insurance
in Wheelersburg costs about $84 per month for minimum coverage liability insurance, and about $172 per month for full coverage insurance. In Wheelersburg drivers pay 41% less than the national average. Smart car insurance shoppers in Wheelersburg, Ohio come to Jerry every month because Jerry makes it easy for customers to
compare and buy car insurance policies
. Below are some cheapest car insurance quotes Jerry found for our Wheelersburg customers. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $121 | Evan, 67 Zip: 45694 | Ford Edge SEL | • 50,000/100,000 Liability • Comp / Collision |
| Safeco | $65 | Essie, 40 Zip: 45694 | Chevrolet Trax 1LT | • State Minimum Liability • Comp / Collision |
| State Auto | $89 | Hester, 31 Zip: 45694 | Volkswagen Jetta SE | • State Minimum Liability |
| Commonwealth Insurance | $68 | Leona, 37 Zip: 45694 | Dodge Dart SXT | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Best car insurance companies in Wheelersburg
There is no single best car insurance company for everyone. The most important reason is that every customer gets different
car insurance quotes
based on their profile—so the most affordable company is different for everyone. Besides price, you also need to consider factors such as claims handling and customer service.
To help drivers better compare the cheapest car insurance companies, Jerry conducted the largest insurance survey in the nation—and what we found surprised us.
The results: While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Farmers | 4.7 | 4.7 | N/A | 4.7 |
| Allstate | 4.6 | 4 | 4.3 | 4 |
| State Farm | 4.4 | 3.7 | 4.8 | 4.6 |
| Progressive | 4.3 | 3.6 | 3.9 | 4.2 |
| Geico | 3.9 | 3.8 | 3.8 | 4.2 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Wheelersburg
Ohio has a minimum liability insurance requirement, which is the minimal amount of car insurance you need to have in Wheelersburg and gives you the cheapest rate. But minimum liability often isn’t enough coverage—you should consider getting full coverage if you want to cover the repair or replacement costs for your own car.
Cheap minimum liability insurance quotes in Wheelersburg
In order to legally hit the road, Wheelersburg drivers need to meet Ohio minimum coverage limits for bodily injury liability and property damage liability.
In Ohio, drivers are subject to minimum car insurance coverage requirements, which include the following liability insurance limits:
These liability coverages are commonly referred to as 25/50/25 coverage. With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving.
Gainsco
Abbie (24 years old)
$88
per month
Clearcover
Cynthia (31 years old)
$81
per month
Do you need more than minimum coverage in Wheelersburg?
Most drivers in Wheelersburg need higher liability coverage than the 25/50/25 state minimum mandated by
Ohio car insurance laws
. In an at-fault accident, you could be responsible for medical bills and vehicle repairs far exceeding these minimum limits, especially if you cause serious injuries to another person. If another driver’s car is totaled, the cost to replace it could be more than $40,000—well above that minimum $25,000 property damage limit.
The bottom line: For better financial protection, consider 50/100/50 or 100/300/100 liability coverage as well as full coverage.
Cheap full coverage car insurance quotes in Wheelersburg
Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your car. Full coverage includes comprehensive and collision coverage:
- Comprehensive coveragepays out if your car is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters.
If you have a loan on the car, your lender will require collision and comprehensive coverage. On top of a full-coverage policy, you can purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. 
"Easy, fast, and I saved! It was my first time using Jerry, and I feel like it literally took me 5 minutes. I was insured with a full coverage policy that I was happy with!"
Chelsea F.
Average cost of car insurance in Wheelersburg
By helping lots of drivers in Wheelersburg find car insurance, we found that the average cost for minimum liability coverage is $84 per month or $1,008 per year. The average cost for full coverage insurance in Wheelersburg is $172 per month or $2,064 per year.
While average insurance rates can help you predict your own insurance costs, it's important to note that each driver's insurance premium is calculated based on many factors—the type of car, driving record, claims history, demographics, and more.
Based on our experience working with drivers in Wheelersburg, we've observed that insurance premiums for minimum liability coverage start at around $84 per month, while full coverage policies start at about $172 per month. Based on each driver’s situation, the costs can go up to several hundred dollars per month.
Car insurance quotes in Wheelersburg by rating factors
Insurance companies in Wheelersburg use many rating factors when
deciding your auto insurance premium
: - Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets.
- Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.
- The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
- How you use your car: Insurance companies often charge more if you drive your car to and from work than use it for leisure.
How do different factors impact your car insurance costs in Wheelersburg?
How do different factors impact your car insurance costs in Wheelersburg?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Ohio currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Wheelersburg:
Cheap car insurance quotes in Wheelersburg after driving violations
Your
Ohio driving history
impacts your auto insurance quotes. If insurance companies notice a history of violations, they’ll see you as a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Wheelersburg after speeding ticket
If you get a speeding ticket in Wheelersburg, your insurance rates could go up. But with Jerry, you may be able to save on your premiums even after a speeding ticket.
Take a look at rates that drivers with a speeding violation received using the Jerry app:
Last Updated Nov 18, 2024Cheapest car insurance in Wheelersburg after DUI
A
DUI violation
is a serious offense. In addition to the legal penalties you’ll face, you can also expect a significant increase in your Ohio car insurance. It can be hard to find cheap car insurance in Ohio if you have a DUI on your record. But some companies do offer savings for high-risk drivers—compare quotes from a number of insurers to find the most affordable policy options.
The table below shows premiums that drivers with a DUI recently received with Jerry:
Ricky (67 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Wheelersburg, OH (Zip Code: 45694)
$248
per month
Cheapest car insurance in Wheelersburg after an at-fault accident
One of the most important factors affecting car insurance rates is your car accident or claim history.
Ohio is an at-fault state. If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Wheelersburg drivers save on car insurance after accidents.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $98 | Mason, 36 Zip: 45694 | Dodge Dart SXT | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Gainsco | $288 | Jerome, 23 Zip: 45694 | KIA RIO LX | • State Minimum Liability • Comp / Collision |
Last Updated Nov 17, 2024Cheapest car insurance in Wheelersburg after other driving violations
In addition to speeding tickets and DUIs, other violations such as
reckless driving
and driving on a suspended license can also cause your in car insurance costs to increase in Wheelersburg.We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Driving on Sus. License | Progressive | $129 | Phillip, 23 Zip: 45694 | Chevrolet Impala LT | • State Minimum Liability |
Last Updated Nov 21, 2024Cheap car insurance quotes in Wheelersburg by age
Young drivers pay very high insurance rates due to limited driving experience. Rates tend to drop around the age of 25 and increase again mid-70s.
Cheapest car insurance in Wheelersburg for young drivers
The best way to keep car insurance costs low for teen drivers is to keep them on their parent’s policy. But don’t skip on coverage—because teens are statistically more likely to get into an accident, it’s a good idea to increase their liability limits, and full coverage is a must-have if they drive a newer car.
Jerry can help young drivers in Ohio find lower than average rates for a variety of coverage levels, as shown in the samples below:
Rosetta (24 years old)
$129
per month
Pauline (24 years old)
$346
per month
Cheapest car insurance in Wheelersburg for senior drivers
Car insurance rates tend to be lowest for drivers throughout middle age, but they often go up again once drivers hit their mid-70s.
Car insurance costs for seniors
tend to be higher because drivers in this age group may be more likely to get into accidents, and they’re at an increased risk of serious injuries if they do get into a collision.But that doesn't mean senior drivers still can't save on car insurance. Using Jerry, elder motorists can find their ideal coverage for a cheaper price:
Evan (67 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Wheelersburg, OH (Zip Code: 45694)
$121
per month
Cheap car insurance quotes in Wheelersburg based on insurance history
An important factor in your car insurance rates is your insurance history—i.e., whether you are currently insured or not.
Any lapse in your insurance coverage
usually leads to an increase in car insurance rates.To help our customers make insurance payments on time and to avoid a lapse in coverage, Jerry sends payment reminders to eligible customers when a payment is coming up or if they’re late on their payments.
We have helped many customers who are currently not insured or have had a lapse in coverage find savings on a new auto insurance policy.
Ricardo (23 years old)
$129
per month
Clearcover
Lenora (30 years old)
$81
per month
Nettie (30 years old)
$89
per month
Clearcover
Ida (30 years old)
$81
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I've looked at 20 or different auto insurances and they had the best prices for what I needed!
Cassidy
They were affordable and great very personable and reasonable.
Audrey
Gave me exactly what I needed at a price that made sense. I am so far pleased with my provider.
Melissa
Always a pleasant experience.
Kelly
Cheap car insurance quotes in Wheelersburg for drivers with poor credit
Drivers with poor credit scores
are statistically more likely to file claims, which can result in higher rates from insurance providers.If you’re struggling with bad credit: By taking what steps you can to build good credit over time, you could find even more savings on car insurance in the future.
Our data shows that the average car insurance rate for the highest credit bracket (over 750) is almost 20% higher than the average cost for people with lower credit scores (under 550).
Luckily, drivers with poor credit can lower their rates using Jerry:
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
550 - 659 | Progressive | $129 | Edwin, 23 Zip: 45694 | Chevrolet Impala LT | • State Minimum Liability |
Last Updated Nov 15, 2024Cheap car insurance quotes in Wheelersburg for popular cars
The type of car you drive is a major rating factor in car insurance premiums. Costs associated with the type of car include the cost of repairs or replacements, likelihood of theft, and the overall safety record of the vehicle.
Popular car models in Wheelersburg include:
Last Updated Nov 21, 2024How to lower car insurance costs in Wheelersburg
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. Keeping a clean driving record and/or going a certain number of years without an at-fault accident could help you qualify for a discount from your provider.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
Who has the cheapest car insurance in Ohio?
AAA, Erie, State Farm, and Founders all tend to offer affordable rates to Ohio drivers, according to a recent Jerry survey. However, the cheapest company for your neighbor may not be the cheapest company for you. It depends on your coverage needs and your unique driver profile.
What is the minimum car insurance in Ohio?
25/50/25 is the minimum liability coverage for all Ohio drivers. This means $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage. For minimum coverage, the average Ohio driver pays about $49 per month. In Wheelersburg, it’s about $51 per month for minimum coverage.
What is the best auto insurance in Ohio?
The “best” company depends on what’s important to you! State Auto, Kemper, Erie Insurance, and AAA all earned top ratings for overall satisfaction from Ohio drivers in a recent Jerry survey. If you’re looking at cost alone, then AAA and Founders stand out. For customer service, these companies all rate well along with Safeco.
Is it better to pay car insurance monthly or every six months?
You may get a discount for paying your entire six month premium in a lump sum, but not all providers offer this perk. Otherwise, there’s no real benefit to making a single payment twice a year versus six monthly payments. If you decide to switch providers in the middle of a policy period, check your agreement carefully. Most companies will remit the money you’ve already paid but some will charge a small fee to do so.
Why is Ohio car insurance so cheap?
Although rates are rising due to inflation, the cost of living in Ohio is still much cheaper than the national average. In fact, Ohio car insurance rates are some of the cheapest in the nation despite an increasing cost of car repairs and healthcare in nearly every state.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.