Hilliard, OH Car Insurance

The average cost for car insurance in Hilliard is about $57 a month. To find out more check out our guide below.
What rates should residents of Hilliard expect to pay for their car insurance? Compared to their surrounding area, how do rates in Hilliard stack up? What about against the rest of Ohio? 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 Hilliard?

Area Average Monthly Car Insurance Premium
Hilliard$57
OH$59
United States$80

Looking at the chart above, you can see that the average monthly price is about the same in Hilliard as it is in the rest of Ohio.

Likewise, the expected monthly payments for an auto insurance policy in Hilliard are below the national average. The average monthly payment for the United States as a whole is about $23 more expensive than in Hilliard.

Bear in mind that while these rates represent the expected monthly payments for Hilliard residents, it doesn't mean that's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

Don't sweat it however, we've broken down average rates for Hilliard residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you think you might be overpaying for insurance, 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 18$309
18-24$86
25-34$44
35-44$51
45-54Not Enough Data
55-64$35
65+$37

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 two times as much as drivers of retirement age.

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 Hilliard.

Average Car Insurance Rates by Gender

Gender Average
Male$57
Female$57

In general, female drivers pay less for car insurance than their male counterparts. In Hilliard, however, male and female drivers both pay, on average, $57 for their monthly policy premium.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$55
Multiple Accidents$78
1 Ticket$85
Multiple Tickets$110

Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. Drivers in Hilliard with a single accident on their record will usually see rates around $55 a month. In addition, drivers with one ticket can expect to pay around $85 a month on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. 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$50
2-3 Years$55
4-5 Years$48
6-7 Years$60
8-10 Years$60
11-14 Years$54
15 Years or Older$62

The cheapest vehicles to insure in Hilliard are by and large trucks and vans, with each type typically costing about $42 per month.

Car owners can expect to pay an average of around $59 a month for their policy, while SUVs usually cost around $54 a month to insure.

Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. In Hilliard, the most expensive vehicles to insure are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$61
Married$44
Divorced$45
Widowed$54

Overall, those who have settled down into marriage will pay slightly less to insure their car. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

According to the table above, the difference in rates based on relationship status in Hilliard can be as much as $17 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$47
Rent$54
Live with parents$108

Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Hilliard, expect to pay around $7 a month more than if you own property. 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 car insurance premiums, depending on your insurance company.

Car Insurance Companies in Hilliard, OH

Recent trends in car insurance for Hilliard drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.

In Hilliard, auto insurance rates had been increasing from 2016-2017, but began to turn downward in 2018. This pattern has continued through 2021 when rates have most recently hit $31 per 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 an insurance policy, car insurance companies will evaluate a lot of factors. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:

  • Regional regulations
  • Availability of off-street parking
  • Area crime rates
  • Total drivers
  • Road safety

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Hilliard?

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.

Good news! Compare.com has you covered. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in Hilliard in no time.

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Hilliard Insurance FAQs

What factors affect car insurance quotes in Hilliard?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.

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 move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Hilliard or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes