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How much is car insurance in Maple Heights?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Maple Heights is about $4 a month more expensive than the rest of Ohio.
However, car insurance rates in Maple Heights are more affordable than the national average. It's around $19 less to insure your vehicle compared to the average rate for the United States as a whole.
While these numbers represent the average monthly payments for coverage in Maple Heights, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The monthly premium 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.
We've broken down average rates for Maple Heights to help you understand what your policy's monthly premium will cost. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.
You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates begin to increase again in Maple Heights.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. 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|
Depending on your driving record, your rates can vary wildly. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Maple Heights, having a single accident on your record will usually get you rates around $69 a month. In addition, drivers with one ticket can expect to pay around $71 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$83|
|15 Years or Older||$69|
If you look at the first table above, you'll see that cars are typically the cheapest vehicles to insure in Maple Heights, with drivers paying around $61 per month to insure their vehicle.
SUV owners, on the other hand, by and large pay around $64 per month, while truck and van drivers can expect to pay about $62 a month for car insurance coverage.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is close to 5 years old. 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|
More often than not, married policyholders will pay slightly less for insurance coverage. This usually happens because companies will offer 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 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|
|Live with parents||$102|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $10 a month more than if you own your own home in Maple Heights. 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 costs, depending on your insurance company.
Car Insurance Companies in Maple Heights, OH
Recent trends in car insurance for Maple Heights drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Maple Heights, the rates for car insurance increased from 2017-2019, when they hit a high of $77, but started to turn downward from 2020-2021. They finished up in 2022, at $69.
How does Maple Heights compare to neighboring areas?
Why are car insurance rates in Maple Heights different from other areas?
Car insurance companies will take into account numerous factors when choosing how much to charge for a policy. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Community laws
- Road Safety (frequency of local car accidents)
- Prevalence of crime
- Number of drivers in the region
- Off-street parking accessibility
An awareness of these factors is important 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 learn more.
How can I find the cheapest car insurance in Maple Heights?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing coverage in Maple Heights.
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Maple Heights Insurance FAQs
What factors affect car insurance quotes in Maple Heights?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
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 crime rates, local laws, and parking situations -- 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?
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 however, by using 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Maple Heights 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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