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How much is car insurance in Mansfield?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $8 a month cheaper to insure your vehicle in Mansfield than it is in the rest of Ohio.
Similarly, when compared to the national average, the cost for auto insurance in Mansfield is lower. The average monthly payment for the U.S. as a whole is about $31 more expensive than in Mansfield.
While these are the average monthly costs for auto insurance coverage in Mansfield, you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
Don't worry, we've done the work for you and broken down average rates for Mansfield to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Mansfield drivers may see their rates creep back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Mansfield, this difference shakes out to about $4 a month. As you can see in the table above, male drivers in the area typically pay $52 on average, while female drivers typically pay $48 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. In Mansfield, a driving record with one accident will usually get you a rate around $61 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $59.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$53|
|15 Years or Older||$49|
If you look at the first table above, the cheapest vehicles to insure in Mansfield are typically SUVs, at $45 per month.
Truck and van drivers will see rates of about $49, while the rates for car owners average out to about $52 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Newer vehicles are generally 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 Mansfield, the most expensive vehicles to insure are vehicles less than or equal to one-year-old and four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$53|
More often than not, those who are currently married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Mansfield follows that pattern, with the difference totaling to around $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$90|
One other element taken into consideration is your living accommodations. Those who own their own home in Mansfield can expect to pay around $7 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Mansfield, OH
Recent trends in car insurance for Mansfield drivers
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.
The rates for car insurance in Mansfield went up from from 2017-2018, when they reached a high of $59. This leveled out in 2019, when policy premiums began to decrease. They hit a low of $41 in 2021, and finished up in 2022, at $56.
How does Mansfield compare to neighboring areas?
Why are car insurance rates in Mansfield different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Availability of off-street parking
- Number of drivers
- Number of car accidents
- Prevalence of crime
- Local laws
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. 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 Mansfield?
Arming 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.
Don't worry, Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from the many car insurance companies offering plans in Mansfield.
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Mansfield Insurance FAQs
What factors affect car insurance quotes in Mansfield?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, 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 Mansfield different from other neighboring cities?
Things like local laws, parking situations, and crime rates, 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 Mansfield?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Mansfield?
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?
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 Mansfield 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.
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