Maple Heights, OH Car Insurance

Maple Heights drivers pay, on average, around $62 a month for their car insurance. Read our guide below to learn more about your specific rates.
How do rates in Maple Heights measure up compared to neighboring areas, including Ohio as a whole? What rates can residents of Maple Heights expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Maple Heights?

Area Average Monthly Car Insurance Premium
Maple Heights$62
OH$59
United States$80

As you can tell by looking at the chart above, car insurance rates in Maple Heights are about the same as the rest of Ohio.

Conversely, car insurance rates in Maple Heights are more affordable than the national average. It's about $18 cheaper to insure your vehicle in Maple Heights compared to the average rate for the United States as a whole.

Although these are the average rates for auto insurance in Maple Heights, it's important to remember that you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't worry, we've done the work for you and broken down the average rates for Maple Heights to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$93
25-34$67
35-44$53
45-54Not Enough Data
55-64$42
65+$44

The older you are, the more experience you're likely to have on the roads, right? That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay $49 more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may climb back up a bit in Maple Heights.

Average Car Insurance Rates by Gender

Gender Average
Male$61
Female$63

In general, female drivers pay less for car insurance than their male counterparts. While this isn't true in Maple Heights, the difference in monthly rates is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$68
Multiple Accidents$81
1 Ticket$77
Multiple Tickets$62

Your rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Maple Heights, a driving record with one accident will usually get you a rate around $68 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $77 on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$83
2-3 Years$84
4-5 Years$60
6-7 Years$44
8-10 Years$56
11-14 Years$62
15 Years or Older$69

In Maple Heights, the cheapest vehicles to insure are by and large cars, with drivers paying around $61 per month for insurance coverage.

SUV owners can expect to pay an average of around $65 a month for their policy, while truck and van drivers are usually around $62 to insure each 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. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Maple Heights, 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)$63
Married$53
Divorced$59
Widowed$32

Generally, those who have settled down into marriage will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

According to the table above, the difference in rates based on relationship status in Maple Heights can be as much as $10 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$53
Rent$63
Live with parents$102

Another factor that comes into play is your living accommodations. In Maple Heights, homeowners can expect to pay around $10 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Maple Heights, OH

Recent trends in car insurance for Maple Heights 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.

In Maple Heights, the rates for car insurance declined from 2016-2017, when they hit a low of $50. This changed in 2018, when policy premiums started to rise. They reached a high of $77 in 2019, and finished at $63 in 2021.

How does Maple Heights compare to neighboring areas?

Why are car insurance rates in Maple Heights different from other areas?

When considering how much to charge for coverage, car insurance companies will review numerous factors. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • Prevalence of crime
  • Off-street parking access
  • General road safety (how many accidents each locality has)
  • Amount of drivers in the community
  • Regional regulations

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. 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 Maple Heights?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

But wait! Compare.com will handle the heavy lifting for you. Put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer coverage in Maple Heights.

Compare the cheapest quotes from dozens of insurance companies

Maple Heights Insurance FAQs

What factors affect car insurance quotes in Maple Heights?

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 Maple Heights different from other neighboring cities?

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

Which car insurance company will offer me the cheapest rate in Maple Heights?

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 Maple Heights?

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 Maple Heights 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