Best Car Insurance in Hilliard 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Hilliard.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
August 26, 2021Kia Spectra EX4302632National General$98/mo.$66/mo.
March 20, 2021Nissan 350Z Coupe4302624Progressive$287/mo.$83/mo.
March 22, 2021Toyota Corolla L4302632Progressive$180/mo.$87/mo.
March 2, 2021Volkswagen Jetta SE4302627Allstate$212/mo.$114/mo.
April 14, 2021Honda Accord EXL4302639ClearCover$215/mo.$167/mo.
Here’s more information about what impacts the insurance rates in your Hilliard.

How much does car insurance cost in Hilliard?

Car insurance in Hilliard, Ohio costs single-car drivers an average of $2,896 annually, or about $241 per month. Compared to the state annual average of $2,243, auto insurance in Hilliard is $653 higher higher.
Hilliard is an affluent suburb on the northwest edge of Columbus, Ohio’s capital city. The average commute time in Hilliard is below average, but Columbus itself is growing at just under 1% a year.
Traffic from Ohio’s biggest city, combined with an influx of new residents—not to mention the many expensive vehicles in and around this suburb—all contribute to car insurance rates being more expensive than average.
But that doesn’t mean affordable insurance is impossible to find! The car insurance comparison and licensed broker app Jerry is your best bet for finding great insurance rates without any of the usual hassles.
Jerry compares rates from dozens of top insurance providers to find you the best deals. And once you make your selection, Jerry handles all the paperwork, calls, and even cancels your old policy so that you don’t have to.
Here’s a rundown of what you need to know about car insurance in Hilliard.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Hilliard$3,059$1,907$2,990$1,082--
National Average$3,223$2,143$3,086$1,764$3,423$2,486
HilliardNational Average
All Coverage Before Jerry
$3,059$3,223
All Coverage After Jerry
$1,907$2,143
Minimum Coverage Before Jerry
$2,990$3,086
Minimum Coverage After Jerry
$1,082$1,764
Full Coverage Before Jerry
-$3,423
Full Coverage After Jerry
-$2,486
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Choosing a carrier in Hilliard

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Car insurance in Hilliard is slightly higher—about 3%—than the Ohio state average, due in large part to this suburb’s affluence, its status as one of the best places to live in Ohio, and the heavier traffic flowing out of Columbus. But that doesn’t mean your insurance costs need to be prohibitive.
With a wide range of carriers to choose from, finding one that offers all the coverage you need at an affordable price shouldn’t be too hard.
One of the most popular picks in Hilliard is State Farm. Geico, Westfield, and Nationwide are also great options. But the right provider for you will depend on a variety of factors, including your demographics, driving history, discount eligibility, and more.
Here’s what drivers pay with some of the most popular insurance providers in Hilliard before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
National General$1,176$266Compare Prices
Progressive$1,176$120Compare Prices
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What kind of car insurance you need in Hilliard

In Hilliard, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
In Ohio, drivers must demonstrate financial responsibility in order to drive. The easiest way to do this is to purchase a car insurance policy with at least the following liability insurance:
If you’re involved in an accident or pulled over by law enforcement, you’ll need to show proof of insurance coverage. You’ll also need to meet Ohio’s minimum insurance requirements to register your vehicle.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Purchasing more than the minimum required insurance is almost always a smart idea. While liability coverage protects others if you’re involved in an at-fault accident, it won’t protect your vehicle.
Here are some additional coverages that would serve drivers in Hilliard well:
FactorRecommended coverageDescription
Increasing trafficCollision insuranceCollision insurance covers damage to your vehicle stemming from a collision with another vehicle or fixed object.
Expensive vehiclesAccident forgivenessAs a well-off Columbus suburb, Hilliard has many expensive vehicles driving in and around the area. In case you’re involved in an accident with one of those vehicles (or any vehicle), accident forgiveness will prevent your insurance rates from going up after your first at-fault incident.
Many uninsured driversUninsured/underinsured motorist coverageMore than 12% of Ohio drivers have no insurance or very little coverage—if you’re in an accident with a driver who is uninsured or has insufficient coverage, this will cover your property damage, medical bills, and more.
Tornadoes and floodingComprehensive insuranceComprehensive coverage pays for damage to your vehicle that isn’t the result of a collision, such as damage from natural disasters. The tornado rate in both the Columbus area and Ohio at large exceeds the national average.

What determines your car insurance cost in Hilliard

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Hilliard, you could be paying as much as $46 more per month than an adult driver. These are average rates for Jerry customers in Hilliard broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
21-24$3,444$1,548
25-34$2,937$1,142
35-44$2,580$462
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Hilliard with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$1,932$496
Speeding under 15$3,014$1,057
Speeding over 15$2,544$520
Other$4,752$2,726
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Where in Hilliard you live

It may seem like insurance rates in Hilliard should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Hilliard, residents of -- will have the most expensive car insurance rates, while people who live in 43026 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Hilliard:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
August 26, 202143026Kia Spectra EXOH32National General$98/mo.$66/mo.
March 20, 202143026Nissan 350Z CoupeOH24Progressive$287/mo.$83/mo.
March 22, 202143026Toyota Corolla LOH32Progressive$180/mo.$87/mo.
March 2, 202143026Volkswagen Jetta SEOH27Allstate$212/mo.$114/mo.
April 14, 202143026Honda Accord EXLOH39ClearCover$215/mo.$167/mo.
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Why is car insurance in Hilliard so expensive?

A variety of considerations determine baseline car insurance rates in Hilliard. Insurance companies often consider the following:
Hilliard has a number of factors that contribute to its high insurance rates.

Affluent community

Hilliard is a well-off suburb, which means drivers will encounter their fair share of expensive vehicles on the road. Add to that the spillover traffic from downtown Columbus, and it’s not hard to see why car insurance rates in Hilliard are higher than the Ohio average.

Severe weather

The Columbus area, and Ohio at large, both see significant tornado activity each year. Tornadoes can cause severe damage to buildings and vehicles. The potential damage from severe events such as tornadoes can spur insurers to raise their rates to compensate for the higher risk.

How can you save money on car insurance in Hilliard?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

If you want to save money on your car insurance in Hilliard, discounts are the obvious way to do so. Almost all providers offer discounts, and you may even be eligible for multiple discounts that can, collectively, take a good chunk out of your premium.
Here are some common discounts available with insurance carriers in Hilliard:
DiscountDescription
Multi-policyBundling multiple insurance products with the same provider (like home and auto) could get you a discounted rate on each one.
Defensive drivingTaking a state-approved defensive driving course lessens your risk as a driver and can result in discounted premiums.
Good studentStudents under the age of 25 who maintain at least a B average can usually find savings on their car insurance policy.
Accident-freeIf you’ve been accident free for three to five years, you’re likely eligible for a discount on your policy.
UsageSome companies offer a telematics program that tracks your driving habits and rewards you with discounts for safe behaviors.
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