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How much is car insurance in Wooster?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Wooster are about $17 a month cheaper than in the rest of Ohio.
Similarly, when compared to the national average, the cost for auto insurance in Wooster is lower. It's around $40 less to insure your vehicle compared to the average rate for the U.S. as a whole.
While these are the average monthly costs for auto insurance coverage in Wooster, you could end up paying something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating 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 the average rates for Wooster to help you understand what your monthly premium might be. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you've spent on the road, the more experience you have. When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Wooster drivers may see their rates start to rise again once they hit retirement.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Wooster, this difference shakes out to about $16 a month. Based on the chart above, you can see that male drivers pay $52 on average, while female drivers typically pay $36 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Wooster with a single accident on their record will usually see rates around $65 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $54.
When it comes to your monthly premium, 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||$23|
|15 Years or Older||$36|
The cheapest vehicles to insure in Wooster are typically SUVs, with each type typically costing about $28 per month.
Truck and van drivers will see rates of about $52, while the rates for SUV owners average out to about $28 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. In Wooster, the most expensive vehicles to insure are vehicles two-to-three years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$42|
Overall, those who have settled down into marriage will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
While married drivers normally pay less for auto insurance than single drivers, Wooster bucks this trend as both groups pay around the same rate for coverage.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$79|
One other element taken into consideration is your living accommodations. Renters can expect to pay around $4 a month less than homeowners in Wooster. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Wooster, OH
Recent trends in car insurance for Wooster drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
The rates for car insurance in Wooster rose from 2017-2018, when they reached a high of $59. This shifted in 2019, when rates began to decrease. They hit a low of $30 in 2021, and finished up in 2022, at $43 a month.
How does Wooster compare to neighboring areas?
Why are car insurance rates in Wooster different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for coverage. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Community laws
- Off-street parking access
- Road Safety (total number of local car accidents)
- Number of drivers in the area
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. 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 Wooster?
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.
But wait! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Wooster.
Wooster Insurance FAQs
What factors affect car insurance quotes in Wooster?
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 address, driving record, credit score, and marital status.
Why is the cost of car insurance in Wooster different from other neighboring cities?
Local laws, parking situations, and crime rates -- 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 Wooster?
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 Wooster?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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?
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 Wooster 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.