Warren, OH Car Insurance

On average, Warren drivers pay around $55 a month for their car insurance. We cover plan rates, policies and more in our guide below.
How do rates in Warren measure up compared to neighboring areas, including Ohio as a whole? What can Warren residents expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Warren?

Area Average Monthly Car Insurance Premium
Warren$55
OH$59
United States$80

The cost of coverage in Warren is about $4 a month cheaper than it is for the rest of Ohio.

Similarly, the expected monthly payments for an auto insurance policy in Warren are below the national average. Car insurance rates for the U.S. as a whole are, on average, $25 more expensive than the rates you'd pay in Warren.

Bear in mind that while these are the average car insurance rates for Warren, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've analyzed the average rate for Warren and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$92
25-34$48
35-44$45
45-54$43
55-64$40
65+$44

The older you are, the more experience you're likely to have on the roads, right? That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay $48 more than someone who is at retirement age.

You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may begin to go back up in Warren.

Average Car Insurance Rates by Gender

Gender Average
Male$58
Female$54

Female drivers pay, on average, slightly less than their male counterparts. The difference in Warren is around $4 a month. As you can see in the chart above, car insurance for women in the area typically costs around $54 each month, while men pay $58 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$74
Multiple Accidents$55
1 Ticket$77
Multiple Tickets$76

Your rates can change quite drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Warren, having a single accident on your record will usually get you rates around $74 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $77.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. 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$56
2-3 Years$59
4-5 Years$65
6-7 Years$50
8-10 Years$59
11-14 Years$58
15 Years or Older$53

As you can see in the first table above, the cheapest vehicles to insure in Warren are typically trucks and vans, which run about $48 per month.

SUV drivers will see rates of about $64, while the rates for car owners average out to about $55 per month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Warren, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$62
Married$46
Divorced$44
Widowed$38

On average, those who are currently married will pay slightly less for car insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Warren is no exception, with the difference totaling to around $16 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$49
Rent$55
Live with parents$79

Another factor that comes into play is your housing situation. If you rent your home or apartment in Warren, expect to pay around $6 a month more than if you own your home. But if you live with your parents, your rates will be significantly higher.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Warren, OH

Recent trends in car insurance for Warren 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 cost of car insurance coverage in Warren dropped from 2016-2017, before leveling out in 2018. Car insurance rates finished down in 2021, at $41 a month

How does Warren compare to neighboring areas?

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

There are a lot of factors car insurance companies take into consideration when deciding how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:

  • Community regulations
  • Road Safety (frequency of car accidents)
  • Total number of drivers in the area
  • Amount of off-street parking
  • Crime levels

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Warren?

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 does all of that work for you. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Warren.

Compare the cheapest quotes from dozens of insurance companies

Warren Insurance FAQs

What factors affect car insurance quotes in Warren?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, 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 Warren different from other neighboring cities?

Things like crime rates, local laws, 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 Warren?

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 Warren?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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 Warren 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.

Find your best rate in just a few minutes