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How much is car insurance in Warren?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Warren is about $5 cheaper than it is in the rest of Ohio.
Compared to the rest of the country, auto insurance in Warren is more affordable. It's about $28 cheaper to insure your vehicle in Warren compared to the average rate for the U.S. as a whole.
While these are the average costs to insure your vehicle in Warren, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
Don't sweat it however, we've broken down average rates for Warren residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates climb back up a bit once you hit retirement in Warren.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. This is true in Warren, where male drivers pay about $5 more a month. As illustrated in the table above, male drivers in the area pay about $56 on average, while female drivers pay around $51 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Warren, drivers with one accident on their record will experience rates around $73 a month. In addition, drivers with a single ticket on their record can expect to pay around $71 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$56|
|15 Years or Older||$50|
According to the first table above, the cheapest vehicles to insure in Warren are by and large trucks and vans, at $46 per month.
Car owners will see a monthly rate of about $53, while SUV owners usually pay around $65 per month.
You may also see different rates based on your vehicle's age. 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 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)||$58|
More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Warren, with married couples paying about $11 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$78|
Your housing situation is another component of how insurance companies calculate your monthly rate. In Warren, homeowners can expect to pay around $6 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Warren, OH
Recent trends in car insurance for Warren drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
In Warren, auto insurance rates rose from 2017-2018, when they reached a high of $63. This trend shifted in 2021, when they began to decrease, and have continued moving in that direction through 2022, when policy premiums hit a low of $31 a month.
How does Warren compare to neighboring areas?
Why are car insurance rates in Warren different from other areas?
There are many factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Amount of off-street parking
- Number of drivers in the community
- Prevalence of crime
- Road Safety (total number of local car accidents)
- Area laws
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. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Warren?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Warren.
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 you can't control like your age and gender but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Warren 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 local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Warren?
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 Warren 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.