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How much is car insurance in Westerville?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that the costs for coverage in Westerville are in line with rates across the rest of Ohio.
Compared to the rest of the country, auto insurance in Westerville is more affordable. You can expect to pay about $24 below the national average for auto insurance in Westerville.
While these are the average monthly costs for auto insurance coverage in Westerville, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
Don't worry, we've done the work for you and broken down average rates for Westerville to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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 behind the wheel, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. That said, once you hit retirement age, your rates may creep back up in Westerville.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Westerville goes against the grain. Female drivers typically pay around $9 more per month for auto insurance coverage than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records can expect to pay less than those with infractions. Drivers in Westerville with one accident will pay around $74 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $95.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$28|
|15 Years or Older||$50|
According to the first table above, the cheapest vehicles to insure in Westerville are by and large SUVs, at $47 per month.
SUV owners can expect to pay an average of around $47 a month for their policy, while truck and van drivers are usually around $72 to insure each month.
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 cost the most to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Westerville are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$61|
Generally speaking, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Westerville can be as much as $24 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$101|
Your living accommodations is another factor that affects your monthly rate. Homeowners and renters alike can expect to pay about $51 per month for coverage in Westerville.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Westerville, OH
Recent trends in car insurance for Westerville drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
Car insurance rates in Westerville declined from 2016-2017, before steadying out in 2018. Policy premiums decreased again, hitting a low of $45 in 2020, before finishing up at $47 in 2021.
How does Westerville compare to neighboring areas?
Why are car insurance rates in Westerville different from other areas?
Car insurance companies will take into account a number of factors when figuring out how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Number of car accidents
- Regional laws
- Amount of off-street parking
- Rate of crime
- Number of drivers in the region
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering 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 Westerville?
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.
Good news! Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies providing plans in Westerville.
Westerville Insurance FAQs
What factors affect car insurance quotes in Westerville?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Westerville different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Westerville?
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 Westerville?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Westerville 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.