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How much is car insurance in Strongsville?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $6 a month cheaper to insure your vehicle in Strongsville than it is in the rest of Ohio.
Drivers relocating from out of state may enjoy some cost savings in Strongsville. The average monthly payment in Strongsville is about $29 cheaper than the rate for the rest of the United States.
While these are the average monthly costs for auto insurance coverage in Strongsville, you could end up paying something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
But don't worry, we've broken down the average rates for Strongsville residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement age your rates may climb back up in Strongsville.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. While male drivers actually pay a bit less than female drivers on their monthly insurance rates, the difference in Strongsville is only about $1 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. The rate for drivers in Strongsville with a single accident on their record is about $62 a month. Similarly, drivers with one ticket will typically pay around $82 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$47|
|15 Years or Older||$50|
As you can see in the first table above, the cheapest vehicles to insure in Strongsville are by and large SUVs, which run about $36 per month.
Car owners, on the other hand, usually pay around $56 a month, while truck and van drivers can expect to pay about $37 per month for auto insurance.
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. Once your car is a few years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Strongsville are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$56|
Generally, those who are currently married will pay slightly less for car insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Strongsville reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$57|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $5 less than those who own their own home in Strongsville. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.
Car Insurance Companies in Strongsville, OH
Recent trends in car insurance for Strongsville 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.
The rates for auto insurance in Strongsville had been decreasing from 2017-2018, before steadying out in 2019. Policy premiums decreased again recently, hitting a low of $26 in 2022.
How does Strongsville compare to neighboring areas?
Why are car insurance rates in Strongsville different from other areas?
Car insurance companies will take into account a number of factors when choosing how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Off-street parking availability
- Local crime rates
- Number of drivers in the area
- Road safety
- Area regulations
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 get started.
How can I find the cheapest car insurance in Strongsville?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But wait! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies in Strongsville.
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Strongsville Insurance FAQs
What factors affect car insurance quotes in Strongsville?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Strongsville different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Strongsville?
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 Strongsville?
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. 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 Strongsville 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?
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