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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.
The expected monthly payments for an auto insurance policy in Ooltewah are below the national average. It's about $28 cheaper than the national average to insure your vehicle in Ooltewah.
While these are the average car insurance rates for Ooltewah, keep in mind that you could end up paying a different amount. The amount that insurance companies end up charging you is determined by a number of factors. 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.
We've broken down the average rates for Ooltewah to help you understand what exactly you might be asked to 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!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates rise again in Ooltewah.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Ooltewah goes against the grain. Female drivers typically pay around $8 more a month for auto insurance than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Ooltewah, a driving record with one accident will usually get you a rate around $90 a month. In addition, drivers with one ticket can expect to pay around $68 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$35|
|15 Years or Older||$57|
As you can see in the first table above, the cheapest vehicles to insure in Ooltewah are usually cars, which run about $47 per month.
Truck and van drivers will see rates of about $84, while the rates for SUV owners average out to about $55 per month.
You may also see different rates based on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. In Ooltewah, the most expensive vehicles to insure are vehicles fifteen years and older and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$55|
More often than not, married policyholders will pay slightly less for insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Ooltewah is about $8 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$68|
Your housing situation is another factor that affects your monthly rate. Those who own their own home in Ooltewah can expect to pay around $20 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.
Car Insurance Companies in Ooltewah, TN
Recent trends in car insurance for Ooltewah drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The cost of auto insurance in Ooltewah increased steadily from 2017-2021. It finished down in 2022, at $52.
How does Ooltewah compare to neighboring areas?
Why are car insurance rates in Ooltewah different from other areas?
There are numerous factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Access to off-street parking
- Total number of drivers in the community
- Rate of crime
- Community laws
- Road safety
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Ooltewah?
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.
But wait! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer coverage in Ooltewah.
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Ooltewah Insurance FAQs
What factors affect car insurance quotes in Ooltewah?
The factors that car insurance companies take into account when calculating your monthly cost 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 Ooltewah different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
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?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Ooltewah or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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