Perrysburg, OH Car Insurance

Drivers in Perrysburg pay around $50 a month for their car insurance. To find out more check out our guide below.
How do rates in Perrysburg measure up compared to neighboring areas, including Ohio as a whole? What can Perrysburg residents expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Perrysburg?

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

According to the chart above, the average cost of auto insurance in Ohio is about $9 a month more expensive than it is in Perrysburg.

Likewise, the expected monthly payments for an auto insurance policy in Perrysburg are below the national average. The average monthly payment in Perrysburg is about $30 cheaper than the rate for the rest of the United States.

While these numbers represent the average monthly payments for coverage in Perrysburg, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

Don't sweat it however, we've broken down the average rate for Perrysburg residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$83
25-34$47
35-44$33
45-54Not Enough Data
55-64$49
65+$43

It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay $40 more than drivers of retirement age.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may rise again in Perrysburg.

Average Car Insurance Rates by Gender

Gender Average
Male$58
Female$46

Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in Perrysburg is around $12 per month. As you can see in the table above, female drivers in the area typically pay $46 on average, while female drivers typically pay $58 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$84
Multiple Accidents$92
1 Ticket$99
Multiple TicketsNot Enough Data

Rates can change drastically depending on your driving record. Those with clean records will obviously pay significantly less than those with infractions. In Perrysburg, a driving record with one accident will usually get you a rate around $84 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $99 on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$48
2-3 Years$52
4-5 Years$45
6-7 Years$60
8-10 Years$52
11-14 Years$65
15 Years or Older$42

According to the first table above, the cheapest vehicles to insure in Perrysburg are typically trucks and vans, at $32 per month.

Car owners can expect to pay an average of around $62 a month for their policy, while SUVs usually cost around $46 a month to insure.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Perrysburg, vehicles eleven-to-fourteen years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$51
Married$50
Divorced$47
Widowed$47

Generally, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

While married drivers normally pay less than single drivers, in Perrysburg both groups pay about the same rate.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$54
Rent$41
Live with parents$86

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $13 less than drivers who own property in Perrysburg. But if you live with your parents, you can expect to pay a lot 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 Perrysburg, OH

Recent trends in car insurance for Perrysburg drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.

In Perrysburg, car insurance rates had been increasing from 2015-2016 -- where they hit a high of $74 -- before steadying out in 2017. Insurance rates rose again in 2018, and finished down at $35 in 2020.

How does Perrysburg compare to neighboring areas?

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

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

  • Off-street parking access
  • Crime
  • Total number of drivers in the area
  • Road Safety (frequency of car accidents)
  • Area laws

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making 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 Perrysburg?

Equipping 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.

Fortunately, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Perrysburg.

Compare the cheapest quotes from dozens of insurance companies

Perrysburg Insurance FAQs

What factors affect car insurance quotes in Perrysburg?

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, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Perrysburg different from other neighboring cities?

Things like parking situations, local laws, 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 Perrysburg?

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 Perrysburg?

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 time, regardless of how long is left on your current policy. So, if you've recently moved to Perrysburg 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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