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How much is car insurance in Pataskala?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $7 a month cheaper to insure your vehicle in Pataskala than it is in the rest of Ohio.
When stacked up against the national average, the average monthly policy payment for Pataskala is more affordable. You can expect to pay about $30 less for your policy in Pataskala than in the rest of U.S.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. 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 policy payment.
Don't worry, we've done the work for you and broken down the average rates for Pataskala to help you understand what your monthly premium might be. And if you're not certain that you're paying the lowest option, 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 more time you have behind the wheel, the more experienced of a driver you should be. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay $42 more than drivers of retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, you may see your rates rise again in Pataskala.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Pataskala, however, men actually pay slightly less than female drivers for car insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records can expect to pay less than those with infractions. Drivers in Pataskala with one accident will pay around $56 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $62.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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||$50|
|15 Years or Older||$55|
If you look at the first table above, the cheapest vehicles to insure in Pataskala are usually SUVs, at $35 per month.
Car owners, on the other hand, typically pay around $59 a month, while truck and van drivers can expect to pay about $43 per month to insure their car.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. 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)||$62|
Generally, those who are currently married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
In Pataskala, the difference in rates based on relationship status can be as much as $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$78|
Your housing status is another component of how insurance companies calculate your monthly rate. In Pataskala, homeowners can expect to pay around $11 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Pataskala, OH
Recent trends in car insurance for Pataskala drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Pataskala, the rates for auto insurance went up from 2017-2018, before leveling out in 2019. Policy premiums had been increasing again, reaching a high of $67 in 2021, and finished down at $42 in 2022.
How does Pataskala compare to neighboring areas?
Why are car insurance rates in Pataskala different from other areas?
There are many factors car insurance companies take into consideration when deciding how much to charge for coverage. 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:
- Number of drivers
- Number of car accidents
- Off-street parking accessibility
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Pataskala?
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.
Luckily, Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Pataskala in no time.
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Pataskala Insurance FAQs
What factors affect car insurance quotes in Pataskala?
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, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Pataskala different from other neighboring cities?
Things like local laws, crime rates, and parking situations, 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 Pataskala?
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 Pataskala?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 point, no matter how much time is left on your current policy. If you're thinking about moving to Pataskala or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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