Table of contents
How much is car insurance in Mansfield?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Mansfield | $51 |
| OH | $59 |
| United States | $80 |
Based on the chart above, you can see that it's about $8 a month cheaper to insure your vehicle in Mansfield than it is in the rest of Ohio.
Similarly, car insurance rates in Mansfield are more affordable than the national average. It's about $29 cheaper to insure your vehicle in Mansfield compared to the average rate for the U.S. as a whole.
While these numbers are the average rates for auto insurance in Mansfield, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Mansfield residents so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $80 |
| 25-34 | $44 |
| 35-44 | $43 |
| 45-54 | $40 |
| 55-64 | $35 |
| 65+ | $35 |
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Mansfield may see their rates begin to increase again once they hit retirement.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $52 |
| Female | $50 |
On average, female drivers pay slightly less than male drivers for car insurance. In Mansfield, although women do pay a little bit less on their monthly auto insurance coverage, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $59 |
| Multiple Accidents | $65 |
| 1 Ticket | $57 |
| Multiple Tickets | $67 |
Rates can change drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Mansfield, having a single accident on your record will usually get you rates around $59 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $57.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $53 |
| 2-3 Years | $64 |
| 4-5 Years | $53 |
| 6-7 Years | $48 |
| 8-10 Years | $56 |
| 11-14 Years | $53 |
| 15 Years or Older | $48 |
According to the first table above, the cheapest vehicles to insure in Mansfield are by and large SUVs, trucks, and vans, at $46 per month.
Car owners, however, pay about $54 per month to insure their car.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is close to 5 years old. In Mansfield, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $55 |
| Married | $40 |
| Divorced | $42 |
| Widowed | $36 |
Generally, those who have settled down into marriage will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Mansfield is no exception, with the difference totaling to around $15 a month.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $42 |
| Rent | $50 |
| Live with parents | $90 |
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $8 a month more than those who own their own home in Mansfield. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Mansfield, OH
Recent trends in car insurance for Mansfield drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
In Mansfield, the rates for auto insurance had been decreasing from 2016-2017, before leveling out in 2018. Policy premiums decreased again, reaching a low of $42 in 2020, and finishing up at $55.
How does Mansfield compare to neighboring areas?
Why are car insurance rates in Mansfield different from other areas?
There are several factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. 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:
- Laws
- Regional crime rates
- Amount of drivers
- Rate of car accidents
- Availability of off-street parking
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Mansfield?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from several of the car insurance companies providing policies in Mansfield.
Mansfield Insurance FAQs
What factors affect car insurance quotes in Mansfield?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Mansfield 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 Mansfield?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Mansfield?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Mansfield or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?