Elyria, OH Car Insurance

What can Elyria residents expect to pay for their car insurance? How do rates in Elyria measure up compared to neighboring areas, including Ohio as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Elyria?

Based on the information in the chart above, you can see that on average, it's about $4 a month more expensive to insure your vehicle in Elyria than it is in the rest of Ohio.

Compared to the rest of the country, auto insurance in Elyria is more affordable. It's about $19 cheaper to insure your vehicle in Elyria compared to the average rate for the U.S. as a whole.

These rates may be the average amount Elyria drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.

We've broken down the average rates for Elyria 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 to learn more about rates in your area!

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Average Car Insurance Rates by Age

The older you are, the more experienced you are on the roads. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $63 more than drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may creep back up a bit in Elyria.

Average Car Insurance Rates by Gender

Car insurance rates for women are generally cheaper than they are for men. This is true in Elyria, where male drivers pay about $15 more a month. As illustrated in the table above, female drivers in the area pay about $56 on average, while male drivers pay around $71 each month.

Average Auto Insurance Rates by Driving Record

One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Elyria, drivers with one accident on their record will experience rates around $81 a month. In addition, drivers with a single ticket on their record can expect to pay around $75 a month on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

In Elyria, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $47 per month to insure their vehicle.

SUV drivers will see rates of about $63 for auto insurance, while car owners usually pay around $64 per month.

Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Elyria, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

On average, those who are currently married will pay slightly less for insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Elyria is no exception, with the difference totaling to around $19 a month.

Average Car Insurance Rates by Housing Situation

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 $12 a month more than homeowners in Elyria. 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 Elyria, OH

Recent trends in car insurance for Elyria drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

In Elyria, car insurance rates had been decreasing from 2017-2019, before leveling out in 2020. Policy premiums fell again recently, reaching a low of $31 in 2022.

How does Elyria compare to neighboring areas?

Why are car insurance rates in Elyria different from other areas?

Car insurance companies will take into account a number of factors when deciding how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

• Total amount of drivers in the area
• General road safety (how many accidents each locality has)
• Community laws
• Off-street parking availability
• Local crime rates

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 Elyria?

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.

Don't worry, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Elyria.

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Elyria Insurance FAQs

What factors affect car insurance quotes in Elyria?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your marital status, credit score, address, and driving record.

Why is the cost of car insurance in Elyria different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Elyria?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Elyria?

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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Elyria or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?