Westerville, OH Car Insurance

The average cost for car insurance in Westerville is about $56 a month. Read our guide below to learn more about your specific rates.
What should residents of Westerville expect to pay for their car insurance? How does Westerville stack up to the rest of the area, or even Ohio as a whole? 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 Westerville?

Area Average Monthly Car Insurance Premium
Westerville$56
OH$58
United States$81

Looking at the chart above, you can see that the average monthly price in Westerville is in line with pricing for the rest of Ohio.

If you're thinking of moving to Westerville from out of state, you may still be in luck. On average, it's about $25 less to insure your vehicle in Westerville than it is in the rest of the U.S.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

We've done the heavy lifting for you and broken down the average rate for Westerville so that you can get a more accurate idea of what your monthly bill might be. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$86
25-34$44
35-44$39
45-54$53
55-64$43
65+$44

Generally, the older you are the more experienced you are behind the wheel, right? That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay $42 more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates climb back up a bit in Westerville.

Average Car Insurance Rates by Gender

Gender Average
Male$54
Female$60

Although women typically pay less than men do to insure their car, this is not the case in Westerville, where female drivers pay around $60 per month while male drivers pay about $54.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$73
Multiple Accidents$91
1 Ticket$84
Multiple Tickets$101

Rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Westerville with a single accident will pay around $73 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $84 on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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$28
2-3 Years$38
4-5 Years$43
6-7 Years$53
8-10 Years$52
11-14 Years$67
15 Years or Older$54

If you look at the first table above, you'll see that SUVs are usually the cheapest vehicles to insure in Westerville, with drivers paying around $45 per month to insure their vehicle.

SUV owners can expect to pay an average of around $45 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 depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Westerville, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$61
Married$37
Divorced$59
Widowed$36

Generally, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Westerville is no exception, with the difference totaling to around $24 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$50
Rent$53
Live with parents$98

Another factor that comes into play is your living situation. If you rent your home or apartment in Westerville, expect to pay around $3 a month more than if you are a homeowner. 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 overall costs.

Car Insurance Companies in Westerville, OH

Recent trends in car insurance for Westerville 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.

Car insurance rates in Westerville have been mixed as of late, they increased in 2017, declined in 2019, and rose again in 2021, before finishing at $76 in 2022.

How does Westerville compare to neighboring areas?

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

There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • Off-street parking accessibility
  • Crime
  • Total number of drivers
  • Local regulations
  • Road Safety (how many accidents each locality has)

Having an awareness of these factors is critical 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 learn more.

How can I find the cheapest car insurance in Westerville?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Don't worry, Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Westerville.

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Westerville Insurance FAQs

What factors affect car insurance quotes in Westerville?

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 vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

Why is the cost of car insurance in Westerville 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 Westerville?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Westerville?

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?

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 Westerville 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?

Find your best rate in just a few minutes