Pataskala, OH Car Insurance

Drivers in Pataskala pay around $50 a month for their car insurance. We cover plan rates, policies and more in our guide below.
What rates can residents of Pataskala expect to pay for their car insurance? Compared to their surrounding area, how do rates in Pataskala stack up? What about against the rest of Ohio? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Pataskala?

Area Average Monthly Car Insurance Premium
Pataskala$50
OH$59
United States$80

Looking at the chart above, you can see it's around $9 a month cheaper to insure your vehicle in Pataskala than it is in the rest of Ohio.

If you're thinking of moving to Pataskala from out of state, you may still be in luck. Auto insurance coverage in Pataskala is about $30 cheaper than it is for the rest of the U.S.

While these are the average car insurance rates for Pataskala, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've done the heavy lifting for you and broken down the average rate for Pataskala so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$83
25-34$51
35-44$43
45-54$47
55-64$26
65+$42

It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay $41 more than drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates begin to go back up once you hit retirement in Pataskala.

Average Car Insurance Rates by Gender

Gender Average
Male$47
Female$53

Although women typically pay less than men do for insurance coverage, this is not the case in Pataskala, where female drivers pay around $53 per month while male drivers pay about $47.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$56
Multiple Accidents$93
1 Ticket$52
Multiple TicketsNot Enough Data

One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions. Drivers in Pataskala with a single accident on their record will usually see rates around $56 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $52.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. 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$54
2-3 Years$61
4-5 Years$41
6-7 Years$47
8-10 Years$53
11-14 Years$51
15 Years or Older$49

According to the first table above, the cheapest vehicles to insure in Pataskala are by and large SUVs, at $35 per month.

Truck and van drivers will see rates of about $40, while the rates for car owners average out to about $57 a month.

Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old you may start to see your rates drop back down a bit. In Pataskala, 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)$60
Married$46
Divorced$33
Widowed$35

More often than not, married policyholders will pay slightly less for auto insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

The cost of auto insurance in Pataskala reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $14 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$44
Rent$51
Live with parents$78

Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $7 a month more than drivers who own property in Pataskala. But if you live with your parents, your rates will be significantly higher.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.

Car Insurance Companies in Pataskala, OH

Recent trends in car insurance for Pataskala 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.

The cost of insurance in Pataskala declined from 2016-2017, before leveling out in 2018. Car insurance rates finished down in 2021, at $17 per month

How does Pataskala compare to neighboring areas?

Why are car insurance rates in Pataskala different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:

  • Regional crime rates
  • Off-street parking accessibility
  • Number of drivers
  • Number of car accidents
  • Local laws

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 towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Pataskala?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Don't worry, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from numerous car insurance companies offering policies in Pataskala.

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Pataskala Insurance FAQs

What factors affect car insurance quotes in Pataskala?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, address, marital status and driving record.

Why is the cost of car insurance in Pataskala 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 Pataskala?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Pataskala?

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?

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 Pataskala 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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