Findlay, OH Car Insurance

Residents of Findlay pay around $49 monthly for their car insurance coverage. To learn more about what you're likely to pay in the Findlay area, read our guide below.
Map of cities where drivers can find cheaper car insurance
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How do rates in Findlay measure up compared to neighboring areas, including Ohio as a whole? How much can residents of Findlay expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

How much is car insurance in Findlay?

Area Average Monthly Car Insurance Premium
Findlay$49
OH$58
United States$81

According to the chart above, the average cost of auto insurance in Ohio is about $9 a month more expensive than it is in Findlay.

Likewise, car insurance rates in Findlay are often favorable when viewed against the rest of the country. It's around $32 less to insure your vehicle compared to the average rate for the United States as a whole.

While these are the average car insurance rates for Findlay, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.

We've done the heavy lifting for you and broken down the average rate for Findlay so that you can get a more accurate idea of what your monthly bill might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$118
18-24$71
25-34$39
35-44$33
45-54Not Enough Data
55-64$28
65+$33

The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay $38 more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Findlay drivers may see their rates begin to go back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$52
Female$44

Car insurance rates for women are generally cheaper than they are for men. This is true in Findlay, where male drivers pay about $8 more per month. As you can see in the table above, female drivers in the area typically pay $44 on average, while female drivers typically pay $52 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$60
Multiple Accidents$65
1 Ticket$67
Multiple Tickets$61

Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Findlay with a single accident will pay around $60 a month. Likewise, drivers with one ticket will be looking at a rate of around $67 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$43
2-3 Years$44
4-5 Years$39
6-7 Years$54
8-10 Years$43
11-14 Years$50
15 Years or Older$51

The cheapest vehicles to insure in Findlay are usually SUVs, with each type typically costing about $40 per month.

Car owners can expect to pay an average of around $50 a month for their policy, while truck and van drivers are usually around $44 to insure each month.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Findlay are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$53
Married$40
Divorced$33
Widowed$28

More often than not, people who are married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in Findlay is about $13 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$37
Rent$45
Live with parents$90

One other element taken into consideration is your housing status. Drivers who own property in Findlay can expect to pay around $8 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Findlay, OH

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Findlay, car insurance rates had been decreasing from 2017-2019, before steadying out in 2020. Car insurance rates finished up in 2022, at $57 a month

How does Findlay compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review several factors. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:

  • Crime
  • Availability of off-street parking
  • Community regulations
  • Frequency of car accidents
  • Total drivers

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. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Findlay?

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.

Luckily, Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies that offer coverage in Findlay.


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Findlay Insurance FAQs

What factors affect car insurance quotes in Findlay?

Car insurance companies calculate quotes based on a wide array of factors. These include things 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 Findlay different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Findlay?

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?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Findlay or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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