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Get Cheap Car Insurance in Old Fort, OH

We monitor insurance prices, helping the average driver in Old Fort save up to 30.1% on car insurance.

 

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The Cheapest Minimum Coverage in Old Fort

The chart below shows the cheapest car insurance company in Old Fort for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Safeco Insurance, Travelers, and Mile Auto.

 
Old Fort Insurer Monthly Cost
State Farm $43
Safeco Insurance $45
Travelers $46
Mile Auto $48

Savings for Every Kind of Old Fort Driver

The table shows how much the average auto insurance customer in Old Fort might save by following our recommendations.

Based on our extensive insurance data, we know the average Old Fort driver will save about 26% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $278 per year by choosing the right vehicle insurance company. Some Old Fort residents are paying out over $1,053 extra every year for auto insurance in Old Fort. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Old Fort Car Insurance vs. Ohio

People living in Old Fort pay an average of 6.32% less than the typical driver in the state. The average driver in Old Fort can expect to pay about $711 per year, or $1,053 for full coverage.

Based on our analysis, Mile Auto will be the cheapest provider in Old Fort for most people.

Car Insurance Prices by Old Fort Neighborhood

Old Fort, OH map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Old Fort?

The map shows insurance prices in and around Old Fort, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $47 per year within the city boundaries, with insurance premiums ranging from a high of $1,089 to a low of $1,042. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Central parts of Old Fort.

Pick the Best Car Insurance Company for You in Old Fort

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Old Fort insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Old Fort

For drivers with clean driving records and no major strikes, Mile Auto is the best option, with annual savings of $278 over the average Old Fort car insurance company.

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We use the average good driver, paying $65 per month, as our baseline for pricing in Old Fort. Mile Auto, Clearcover, and Gainsco are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Old Fort drivers with accidents on their records

In Old Fort getting into an accident will raise premiums an average 38% for a yearly cost of $1,696. That's $643 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Gainsco, and Mile Auto are good choices for drivers with accidents.

In our analysis, Gainsco saved the average person who had been in an accident the most, with annual savings averaging $473 over the competition.

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The best car insurance company for Old Fort drivers with speeding tickets

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $400 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Old Fort, tickets raise premiums on new quotes about $453. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Gainsco for savings that beat the average insurance cost of $1,506 per year.

The best auto insurance for Old Fort drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,554 per year in auto insurance premiums, which was $501 more than a driver with no major issues. Gainsco, Mile Auto, and American Family Insurance penalized their customers the least for a DUI.

Getting a quote from Gainsco may cost the average person with a DUI about $427 less each year.

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The least expensive car insurance company for new and young drivers in Old Fort

In Old Fort, Geico costs young drivers $1,022 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Old Fort. With an average cost of $3,684 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Erie Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Old Fort

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $45. State Farm, Geico, and Progressive provided the largest discounts to couples living in Old Fort.

State Farm gave the largest car insurance discounts to married couples, averaging $290 saved each year compared to an average Old Fort couple's premiums.

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The cheapest car insurance in Old Fort for drivers with bad credit

People with poor credit saved an average of $408 with Clearcover.

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Many people are surprised that their poor credit score can cost them an average of $539 every year. Premiums for people with poor credit were about $1,592 in Old Fort. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Travelers, and Clearcover.

The best Old Fort car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Old Fort, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in Old Fort.

Nationwide was the best company for customer service in Old Fort according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Old Fort, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Old Fort. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Old Fort

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 17% of Old Fort residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Old Fort driver can expect to pay about $76 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Old Fort, USAA has the best prices for young drivers, drivers with bad credit, drivers with speeding tickets, drivers with accidents, good drivers, and drivers with a DUI conviction.
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Auto Insurance Prices in and Around Old Fort

What Influences the Cost of Car Insurance in Old Fort?

On average, car insurance in Old Fort is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Old Fort is 24 minutes, which is far less than average for a driver in the state.
  • Ohio state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Old Fort are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
  • Old Fort is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Old Fort is $59 per month for minimum coverage and $88 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

Cities with Similar Populations

  • Salladasburg: Insurance costs 21.08% more
  • Rose Hill: Insurance costs 16.24% more
  • Ross: Insurance costs 44.25% more
  • Rosser: Insurance costs 56.41% more
  • Rouseville: Insurance costs 31.62% more
  • Rowdy: Insurance costs 118.04% more
  • Ruby: Insurance costs 180.82% more
  • Rupert: Insurance costs 63.25% more
  • Ryder: Insurance costs 41.22% more
  • Sagetown: Insurance costs 95.92% more
* Who is the average Old Fort driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Old Fort with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.