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How much is car insurance in Wooster?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Ohio is about $11 a month more expensive than it is in Wooster.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Wooster is rather affordable. You can expect to pay about $32 below the national average for auto insurance in Wooster.
While these are the average costs to insure your vehicle in Wooster, keep in mind that you could end up paying a different amount. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
Don't sweat it however, we've broken down the average rate for Wooster residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, your rates may rise again in Wooster.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Wooster, male drivers pay about $6 more a month. Based on the chart above, you can see that male drivers pay $51 on average, while female drivers typically pay $45 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. In Wooster, a driving record with a single accident will usually get you a rate around $65 a month. Likewise, drivers with one ticket will be looking at a rate of around $53 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$27|
|15 Years or Older||$49|
As you can see in the first table above, the cheapest vehicles to insure in Wooster are by and large SUVs, which run about $41 per month.
Car owners can expect to pay an average of around $49 a month for their policy, while truck and van drivers are usually around $44 to insure each month.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is close to 5 years old. The most expensive vehicles to insure in Wooster are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$50|
More often than not, those who have settled down into marriage will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are 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 Wooster, with married couples paying about $6 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$79|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $4 a month more than if you own your own home in Wooster. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Wooster, OH
Recent trends in car insurance for Wooster drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
In Wooster, the rates for car insurance went up from 2016-2018, when they reached a high of $59. This trend leveled out in 2019, when they began to decrease, and have continued on that road through 2021, when insurance rates hit a low of $29 per month.
How does Wooster compare to neighboring areas?
Why are car insurance rates in Wooster different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Off-street parking access
- Total number of drivers in the region
- Road Safety (frequency of local car accidents)
- Regional crime rates
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Wooster?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing coverage in Wooster.
Wooster Insurance FAQs
What factors affect car insurance quotes in Wooster?
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, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Wooster different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Wooster?
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 Wooster?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Wooster 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.