Euclid, OH Car Insurance

Are rates in Euclid higher or lower than those in neighboring areas? How do they compare to the rest of Ohio? What can Euclid residents expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

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How much is car insurance in Euclid?

Based on the information in the chart above, you can see that on average, it's about $4 a month more expensive to insure your vehicle in Euclid than it is in the rest of Ohio.

However, car insurance rates in Euclid are often favorable when viewed against the rest of the country. Car insurance rates for the United States as a whole are, on average, $19 more expensive than the rates you'd pay in Euclid.

While these numbers are the average rates for auto insurance in Euclid, that doesn't mean it's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've done the heavy lifting for you and broken down the average rate for Euclid so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

It makes sense that older drivers would have more experience behind the wheel, right? That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, you may see your rates begin to increase again in Euclid.

Average Car Insurance Rates by Gender

On average, female drivers pay slightly less than male drivers for car insurance. In Euclid, although women do pay slightly less on their monthly auto coverage, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary quite a lot. Those with fewer accidents and tickets will pay much less than those with multiple infractions. Drivers in Euclid with a single accident will pay around $72 a month. Similarly, drivers with one ticket will typically pay around $71 on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

As you can see in the first table above, the cheapest vehicles to insure in Euclid are by and large trucks and vans, which run about $41 per month.

SUV drivers will see rates of about $60 for insurance coverage, while car owners usually pay around $63 per month.

You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Euclid, vehicles eight-to-ten years old and eleven-to-fourteen years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Generally, married policyholders will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

The difference in rates based on relationship status in Euclid can be as much as $11 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Your housing status is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $13 a month more than drivers who own property in Euclid. Those who live with their parents, however, can expect to pay a lot more.

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 premiums.

Car Insurance Companies in Euclid, OH

Recent trends in car insurance for Euclid drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

The rates for auto insurance in Euclid had been decreasing from 2017-2019, before steadying out in 2020. They finished down in 2022, at $51 a month

How does Euclid compare to neighboring areas?

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

Car insurance companies will take into account a number of factors when deciding how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:

• Total amount of drivers in the community
• Availability of off-street parking
• Local laws
• Rate of crime
• General road safety (how many accidents each locality has)

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Euclid?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Good news! Compare.com has you covered. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer policies in Euclid in no time.

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Euclid Insurance FAQs

What factors affect car insurance quotes in Euclid?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, marital status, and address.

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

Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

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

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Euclid or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.