Willoughby, OH Car Insurance

The average cost for car insurance in Willoughby is about $63 a month. Read our guide below to learn more about your specific rates.
What rates can residents of Willoughby expect to pay for their car insurance? Are rates in Willoughby higher or lower than those in neighboring areas? How do they compare to the rest of Ohio? 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 Willoughby?

Area Average Monthly Car Insurance Premium
Willoughby$63
OH$58
United States$81

Car insurance policies across the rest of Ohio are about $5 a month cheaper than the rates drivers pay in Willoughby.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Willoughby is rather affordable. Auto insurance coverage in Willoughby is about $18 cheaper than it is for the rest of the United States.

These may be the average auto insurance rates for Willoughby, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've done the heavy lifting for you and broken down the average rate for Willoughby 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 Code below and find out in minutes!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$122
25-34$42
35-44$49
45-54Not Enough Data
55-64$35
65+$45

The more time you've spent on the road, the more experience you have. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.

You can expect to see your monthly premium drop about once a decade or so. Willoughby drivers may see their rates begin to increase again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$66
Female$60

Car insurance rates for women are generally cheaper than they are for men. In Willoughby, the difference is around $6 per month. As you can see in the table above, female drivers in the area typically pay $60 on average, while female drivers typically pay $66 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$80
Multiple Accidents$88
1 Ticket$85
Multiple Tickets$97

Rates can change drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Willoughby with a single accident will pay around $80 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $85 on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$48
2-3 Years$50
4-5 Years$58
6-7 Years$51
8-10 Years$64
11-14 Years$75
15 Years or Older$58

The cheapest vehicles to insure in Willoughby are typically SUVs, with each type typically costing about $49 per month.

Car owners can expect to pay an average of around $65 a month for their policy, while truck and van drivers are usually around $57 to insure each month.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In Willoughby, 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)$66
Married$49
Divorced$57
Widowed$27

On average, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The cost of auto insurance in Willoughby reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $17 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$42
Rent$64
Live with parents$109

Your housing situation is another factor that affects your monthly rate. Renters can expect to pay around $22 a month more than drivers who own property in Willoughby. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Willoughby, OH

Recent trends in car insurance for Willoughby drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

The rates for car insurance in Willoughby declined from 2017-2018, before steadying out in 2019. Car insurance rates decreased again, hitting a low of $40 in 2021, and finished up at $46 in 2022.

How does Willoughby compare to neighboring areas?

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

Car insurance companies look at a variety of factors when they're choosing 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:

  • Total number of drivers in the region
  • Crime rates
  • Road safety
  • Off-street parking accessibility
  • Community laws

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing 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 Willoughby?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, 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 below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing policies in Willoughby.

Compare the cheapest quotes from dozens of insurance companies

Willoughby Insurance FAQs

What factors affect car insurance quotes in Willoughby?

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

Why is the cost of car insurance in Willoughby 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, local laws, and parking situations when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Willoughby?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Willoughby?

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 Willoughby 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