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How much is car insurance in Hilliard?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that the costs for coverage in Hilliard are in line with rates across the rest of Ohio.
Similarly, the expected monthly payments for an auto insurance policy in Hilliard are below the national average. It's around $25 less to insure your vehicle compared to the average rate for the U.S. as a whole.
These rates may be the average amount Hilliard residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But don't worry, we've broken down average rates for Hilliard residents 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 below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
The older you are, the more experience you're likely to have behind the wheel, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may rise again in Hilliard.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. While male drivers actually pay a little bit less than female drivers on their monthly auto coverage, the difference in Hilliard is only about $1 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Hilliard with a single accident on their record will usually see rates around $54 a month. Likewise, drivers with one ticket will be looking at a rate of around $76 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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||$47|
|15 Years or Older||$60|
The cheapest vehicles to insure in Hilliard are typically trucks and vans, with each type typically costing about $41 per month.
Car owners will see a monthly premium of about $58, while SUV owners usually pay around $53 per month.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Hilliard, vehicles fifteen years and older are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
Overall, married policyholders will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The cost of auto insurance in Hilliard reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $18 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$108|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment in Hilliard, expect to pay around $6 a month more than if you own your home. But if you live with your parents, your rates will be significantly higher.
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 costs.
Car Insurance Companies in Hilliard, OH
Recent trends in car insurance for Hilliard 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.
In Hilliard, auto insurance rates dropped steadily from 2017-2021. They finished up in 2022, at $42 a month
How does Hilliard compare to neighboring areas?
Why are car insurance rates in Hilliard different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Community regulations
- Off-street parking accessibility
- Total number of drivers
- Area crime rates
- Road Safety (how many accidents each locality has)
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Hilliard?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing plans in Hilliard.
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Hilliard Insurance FAQs
What factors affect car insurance quotes in Hilliard?
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 age and gender, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Hilliard different from other neighboring cities?
Parking situations, local laws, and crime rates -- 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 Hilliard?
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 Hilliard?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Hilliard 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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