Elyria, OH Car Insurance

Residents of Elyria pay around $64 monthly for their car insurance coverage. To learn more about what you're likely to pay in the Elyria area, read our guide below.
What should residents of Elyria expect to pay for their car insurance? How do rates in Elyria measure up compared to neighboring areas, including Ohio as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Elyria?

Area Average Monthly Car Insurance Premium
Elyria$64
OH$59
United States$80

Auto insurance policies in Elyria are about $5 a month more expensive than the rest of Ohio.

Compared to the rest of the country, auto insurance in Elyria is more affordable. You can expect to pay about $16 less for your policy in Elyria than in the rest of U.S.

While these are the average car insurance rates for Elyria, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we've broken down the average rate for Elyria residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$109
25-34$58
35-44$49
45-54$45
55-64$35
65+$45

It would make sense that older drivers have more driving experience, right? That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Elyria may see their rates rise again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$71
Female$58

On average, female drivers pay slightly less than male drivers for car insurance. This is true in Elyria, where male drivers pay about $13 more a month. Looking at the table above, you can see that female drivers pay around $58 on average, while male drivers typically pay $71 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$85
Multiple Accidents$108
1 Ticket$101
Multiple Tickets$126

Your rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Elyria with one accident will pay around $85 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $101.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$51
2-3 Years$56
4-5 Years$53
6-7 Years$70
8-10 Years$54
11-14 Years$73
15 Years or Older$63

If you look at the first table above, the cheapest vehicles to insure in Elyria are by and large trucks and vans, at $46 per month.

SUV drivers will see rates of about $68, while the rates for car owners average out to about $66 per month.

Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In Elyria, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$68
Married$48
Divorced$52
Widowed$36

On average, people who are married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

According to the table above, the difference in rates based on relationship status in Elyria can be as much as $20 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$51
Rent$63
Live with parents$97

Another factor taken into consideration is your housing situation. Renters can expect to pay around $12 a month more than homeowners in Elyria. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Elyria, OH

Recent trends in car insurance for Elyria drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.

Rates in Elyria have been mixed recently. They increased in 2016, dropped in 2018, and rose again in 2020, before finishing at $70 in 2021.

How does Elyria compare to neighboring areas?

Why are car insurance rates in Elyria different from other areas?

Car insurance companies take in a number of factors when figuring out how much individual insurance policies will cost. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Local regulations
  • Number of drivers
  • Availability of off-street parking
  • Road Safety (how many accidents each locality has)
  • Prevalence of crime

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Elyria?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Fortunately, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from several of the car insurance companies providing policies in Elyria.

Compare the cheapest quotes from dozens of insurance companies

Elyria Insurance FAQs

What factors affect car insurance quotes in Elyria?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in Elyria different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Elyria?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Elyria?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Elyria or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes