Euclid, OH Car Insurance

The average monthly cost for car insurance in Euclid is about $62. Check out our guide below to find out how much you'll pay.
How does Euclid compare to the surrounding area and the rest of Ohio? What can Euclid residents expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Euclid?

Area Average Monthly Car Insurance Premium
Euclid$62
OH$59
United States$80

As you can tell by looking at the chart above, auto insurance rates in Euclid are about the same as the rest of Ohio.

If you're thinking of moving to Euclid from out of state, you may still be in luck. On average, it's about $18 less to insure your vehicle in Euclid than it is in the rest of the United States.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a variety of factors that car insurance companies consider to determine 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 factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

But don't worry, we've broken down the average rate for Euclid 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, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$88
25-34$58
35-44$61
45-54Not Enough Data
55-64$47
65+$50

The older you are, the more experienced you are on the roads. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay $38 more than drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may start to rise again in Euclid.

Average Car Insurance Rates by Gender

Gender Average
Male$61
Female$62

Car insurance rates for women are generally cheaper than they are for men. While male drivers actually pay slightly less than female drivers on their monthly premiums, the difference in Euclid is only about $1 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$68
Multiple Accidents$78
1 Ticket$40
Multiple Tickets$79

Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will obviously pay less than those with infractions. In Euclid, a driving record with one accident will usually get you a rate around $68 a month. In addition, drivers with a single ticket on their record can expect to pay around $40 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$51
4-5 Years$56
6-7 Years$63
8-10 Years$69
11-14 Years$67
15 Years or Older$54

In terms of affordable coverage, the cheapest vehicles to insure in Euclid are by and large trucks and vans, at $42 per month.

Car owners, on the other hand, usually pay around $63 a month, while SUV drivers can expect to pay about $60 per month for insurance.

Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Euclid are vehicles eight-to-ten years old and eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$63
Married$52
Divorced$58
Widowed$65

Generally, people who are married will pay slightly less for insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Euclid is no exception, with the difference totaling to around $11 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$51
Rent$64
Live with parents$88

One other element taken into consideration is your living accommodations. Drivers who own property in Euclid can expect to pay around $13 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.

Car Insurance Companies in Euclid, OH

Recent trends in car insurance for Euclid drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.

The rates for auto insurance in Euclid had been increasing from 2016-2017, before declining from 2018-2019. They finished up in 2021 at $67.

How does Euclid compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:

  • Area regulations
  • Number of drivers in the community
  • Off-street parking availability
  • Prevalence of crime
  • Road Safety (frequency of local car accidents)

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Euclid?

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

Fortunately, Compare.com can handle all of this for you. Enter your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from the many car insurance companies offering policies in Euclid.

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Euclid Insurance FAQs

What factors affect car insurance quotes in Euclid?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Euclid 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 Euclid?

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 Euclid?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Euclid or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes