Willoughby, OH Car Insurance

On average, drivers in Willoughby pay around $64 per month for their car insurance. To learn more about car insurance rates in the Willoughby area, read our guide below.
Are rates in Willoughby higher or lower than those in neighboring areas? How do they compare to the rest of Ohio? How much can residents of Willoughby expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Willoughby?

Area Average Monthly Car Insurance Premium
Willoughby$64
OH$59
United States$80

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

On the flip side, when compared to the national average, the cost for auto insurance in Willoughby is lower. The average monthly payment in Willoughby is about $16 less than the rate for the rest of the U.S.

Bear in mind that while these are the average car insurance rates for Willoughby, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.

We've analyzed the average rate for Willoughby and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$122
25-34$42
35-44$48
45-54$50
55-64$36
65+$45

Generally speaking, the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay $77 more than drivers 65 and older.

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

Average Car Insurance Rates by Gender

Gender Average
Male$66
Female$61

In general, female drivers pay less for car insurance than their male counterparts. In Willoughby, the difference is around $5 a month. As illustrated in the table above, male drivers in the area pay about $66 on average, while female drivers pay around $61 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$84
Multiple Accidents$88
1 Ticket$144
Multiple Tickets$123

Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Willoughby, drivers with one accident on their record will experience rates around $84 a month. In addition, drivers with one ticket can expect to pay around $144 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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$52
8-10 Years$66
11-14 Years$75
15 Years or Older$58

If you look at the first table above, the cheapest vehicles to insure in Willoughby are typically SUVs, at $48 per month.

Car owners will see rates of about $66, while truck and van owners by and large pay around $62 per month.

The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In Willoughby, vehicles eleven-to-fourteen years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$66
Married$52
Divorced$57
Widowed$27

Overall, those who are currently married will pay slightly less for car insurance coverage. 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 $14 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$43
Rent$65
Live with parents$109

One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $22 a month more than those who own their own home in Willoughby. But if you live with your parents, your rates will be significantly higher.

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

Car Insurance Companies in Willoughby, OH

Recent trends in car insurance for Willoughby 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.

In Willoughby, car insurance rates went up from 2016-2017, when they reached a high of $84. This trend changed in 2020, when they began to decrease, and have continued on that road through the present -- when policy premiums hit a low of $43 a month.

How does Willoughby compare to neighboring areas?

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

There are a number of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

  • Amount of drivers in the area
  • Area crime rates
  • Amount of off-street parking
  • Community regulations
  • General road safety (how many accidents each locality has)

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 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.

Don't worry, Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer plans in Willoughby.

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Willoughby Insurance FAQs

What factors affect car insurance quotes in Willoughby?

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 age and gender, as well as your credit score, address, marital status and driving record.

Why is the cost of car insurance in Willoughby different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

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

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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Willoughby or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes