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How much is car insurance in Findlay?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Findlay is about $10 cheaper than it is in the rest of Ohio.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Findlay is rather affordable. You can expect to pay about $31 less for your policy in Findlay than in the rest of United States.
Keep in mind that these are the average auto insurance rates for Findlay, and that the rate you get could end up being something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. 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.
But don't worry, we've broken down average rates for Findlay residents so that you can get a more accurate idea of what you might pay. 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay $35 more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may begin to go back up in Findlay.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. This is true in Findlay, where male drivers pay about $7 more per month. As illustrated in the table above, female drivers in the area pay about $45 on average, while male drivers pay around $52 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
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 Findlay with one accident will pay around $59 a month. Similarly, drivers with one ticket will typically pay around $96 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$43|
|15 Years or Older||$50|
If you look at the first table above, the cheapest vehicles to insure in Findlay are by and large SUVs, at $41 per month.
Truck and van drivers will see rates of about $45, while the rates for car owners average out to about $50 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old however, your rates may start to dip back down a bit. In Findlay, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$54|
Generally, married policyholders will pay slightly less for car insurance. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Findlay as well, where the difference is around $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$90|
Your housing situation is another factor that affects your monthly rate. In Findlay, homeowners can expect to pay around $7 a month less than those who rent. But those who live at home with their parents can expect to pay significantly 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 car insurance premiums.
Car Insurance Companies in Findlay, OH
Recent trends in car insurance for Findlay drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Findlay, auto insurance rates rose from 2016-2017, when they hit a high of $60. This shifted in 2018, when they began to turn downward again. They finished down in 2021, at $29 per month
How does Findlay compare to neighboring areas?
Why are car insurance rates in Findlay different from other areas?
Car insurance companies will take into account a lot of factors when they're figuring out how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Local laws
- Number of drivers in the community
- Rate of crime
- Off-street parking availability
- Number of car accidents
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 towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Findlay?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from many of the car insurance companies providing policies in Findlay.
Findlay Insurance FAQs
What factors affect car insurance quotes in Findlay?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Findlay different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Findlay?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Findlay?
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?
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 Findlay 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.