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How much is car insurance in Zanesville?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Zanesville is about $9 cheaper than it is in the rest of Ohio.
Likewise, car insurance rates in Zanesville are more affordable than the national average. The average monthly payment in Zanesville is about $30 cheaper than the rate for the rest of the United States.
Although these are the average rates for auto insurance in Zanesville, that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
We've analyzed the average rate for Zanesville and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay $43 more than drivers of retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement age your rates may start to rise again in Zanesville.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The price to insure your vehicle in Zanesville, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Zanesville, a driving record with a single accident will usually get you a rate around $63 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $78.
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||$151|
|15 Years or Older||$53|
According to the first table above, SUVs are usually the cheapest vehicles to insure in Zanesville, with drivers paying around $48 per month for insurance.
SUV owners will see rates of about $48, while truck and van owners typically pay around $54 per month.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. In Zanesville, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$52|
On average, married policyholders will pay slightly less to insure their car. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Zanesville reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$76|
Another factor that comes into play is your housing situation. Those who own their own home in Zanesville can expect to pay around $7 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 average costs.
Car Insurance Companies in Zanesville, OH
Recent trends in car insurance for Zanesville drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The rates for car insurance in Zanesville increased from 2016-2017, when they hit a high of $64. This pattern leveled out in 2018, when they began to decrease, and have continued on that road through the present, when policy premiums reached a low of $37 a month.
How does Zanesville compare to neighboring areas?
Why are car insurance rates in Zanesville different from other areas?
There are a variety of factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Road Safety (frequency of local car accidents)
- Crime rates
- Regional regulations
- Off-street parking accessibility
- Amount of drivers
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. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Zanesville?
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.
Good news! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer auto coverage in Zanesville.
Zanesville Insurance FAQs
What factors affect car insurance quotes in Zanesville?
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 gender and age, as well as your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Zanesville 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 parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Zanesville?
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 Zanesville?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Zanesville or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.