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How much is car insurance in Ooltewah?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Ooltewah are in line with rates across the rest of Tennessee.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Ooltewah is rather affordable. The average monthly payment in Ooltewah is about $30 less than the rate for the rest of the U.S.
While these are the average car insurance rates for Ooltewah, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine 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 your monthly payment amount.
We've broken down the average rates for Ooltewah to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that the older you are, the more experience you have 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 around $18 more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Ooltewah may see their rates begin to increase again once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Ooltewah, however, men actually pay a bit less than female drivers to insure their car.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay much less than those with multiple infractions. In Ooltewah, a driving record with a single accident will usually get you a rate around $91 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $65.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$35|
|15 Years or Older||$59|
According to the first table above, the cheapest vehicles to insure in Ooltewah are by and large SUVs, at $43 per month.
Truck and van drivers will see rates of about $85, while the rates for SUV owners average out to about $43 a month.
You can also expect to see slightly different rates depending on how old your vehicle is. Newer vehicles are generally 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. In Ooltewah, the most expensive vehicles to insure are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$52|
Overall, those who have settled down into marriage will pay slightly less for car insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Ooltewah follows that pattern, with the difference totaling to around $5 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$72|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $18 a month more than those who own their own home in Ooltewah. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Ooltewah, TN
Recent trends in car insurance for Ooltewah drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
In Ooltewah, car insurance rates declined from 2016-2017, but began to increase from 2018-2020, when they reached a high of $55. Car insurance rates finished down in 2021, at $37 per month.
How does Ooltewah compare to neighboring areas?
Why are car insurance rates in Ooltewah different from other areas?
Car insurance companies will take into account several factors when they're figuring out how much to charge for a policy. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Total number of drivers in the area
- Prevalence of crime
- Area regulations
- Road Safety (frequency of car accidents)
- Off-street parking availability
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 Ooltewah?
While getting familiar with 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.
Fortunately, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Ooltewah.
Ooltewah Insurance FAQs
What factors affect car insurance quotes in Ooltewah?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Ooltewah different from other neighboring cities?
Parking situations, crime rates, and local laws -- 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 Ooltewah?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Ooltewah?
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 Ooltewah 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.