Best Car Insurance in Mentor 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 Mentor.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
February 21, 2021Kia Sportage LX4406037ClearCover$160/mo.$62/mo.
April 15, 2021Chevrolet Cruze LS4406022Gainsco$120/mo.$70/mo.
October 13, 2021Toyota Highlander SE4406031ClearCover$171/mo.$85/mo.
August 20, 2021Toyota Scion TC4406037Gainsco$160/mo.$96/mo.
Here’s more information about what impacts the insurance rates in your Mentor.

How much does car insurance cost in Mentor?

Car insurance in Mentor Ohio costs single-car drivers an average of $1,763 annually, or about $147 per month. Compared to the state annual average of $2,243, auto insurance in Mentor is $480 lower.
Rates for car insurance in the same state can fluctuate wildly depending on your specific zip code. Depending on your city’s demographics—including population density, average age, and accident rate—your car insurance premiums may be much higher or lower than a neighboring city.
Here’s a look at average savings for Jerry users in Mentor compared to national averages.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Mentor$1,631$1,090$1,440$846--
National Average$3,223$2,143$3,086$1,764$3,423$2,486
MentorNational Average
All Coverage Before Jerry
$1,631$3,223
All Coverage After Jerry
$1,090$2,143
Minimum Coverage Before Jerry
$1,440$3,086
Minimum Coverage After Jerry
$846$1,764
Full Coverage Before Jerry
-$3,423
Full Coverage After Jerry
-$2,486
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Choosing a carrier in Mentor

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.
Here are average quotes for Jerry customers in Mentor with different insurance carriers:
Insurance Company
Average Cost
Annual Savings with Jerry
Allstate$936$96Compare Prices
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What kind of car insurance you need in Mentor

In Mentor, 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.
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:

What determines your car insurance cost in Mentor

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 Mentor, you could be paying as much as $27 more per month than an adult driver. These are average rates for Jerry customers in Mentor broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
21-24$1,440$420
25-34$2,052$1,002
35-44$1,920$734
45-54$1,224$98
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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 Mentor with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$1,541$486
Speeding under 15$2,034$788
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Where in Mentor you live

It may seem like insurance rates in Mentor 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 Mentor, residents of -- will have the most expensive car insurance rates, while people who live in 44060 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Mentor:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
April 15, 202144060Chevrolet Cruze LSOH22Gainsco$120/mo.$56/mo.
February 21, 202144060Kia Sportage LXOH37ClearCover$160/mo.$62/mo.
October 13, 202144060Toyota Highlander SEOH31ClearCover$171/mo.$85/mo.
August 20, 202144060Toyota Scion TCOH37Gainsco$160/mo.$96/mo.
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Why is car insurance in Mentor so expensive?

A variety of considerations determine baseline car insurance rates in Mentor. Insurance companies often consider the following:

Inclement weather

If you are in a city that is prone to severe winter storms, tornadoes, hurricanes, hail, or other extreme weather events, your auto insurance rates are likely to be higher. Insurance companies consider the risk of making multiple payouts at once due to a natural disaster and will raise their premiums to offset those costs.

Congested roadways

A city’s population density, number of commuters, and average commute times all contribute to how many cars are on the road. If you’re in a city with a lot of traffic, there is a greater likelihood there will be collisions. Because of this, insurance companies will charge higher premiums for drivers in those areas.

Crime rate

Property crime rates will have a major impact on your car insurance premiums. If you are in a city with a high incidence of auto theft or vandalism, you could see your auto insurance rates skyrocket. Insurance providers will offset the risk of making large comprehensive claims payouts by charging higher premiums.

How can you save money on car insurance in Mentor?

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

Finding the cheapest car insurance doesn’t begin and end with comparing quotes. Consider looking for discounts to save even more money. Discounts are a great way to lower your coverage costs. Most providers offer some discounts, so it’s a good idea to ask your agent what may be available. Here are some common discounts: Customer loyalty (e.g. bundling, early renewal) Demographic (e.g. good student, senior) Driver affiliations (e.g. military, affinity) Driving history (e.g. accident-free, safe driver) Driver training (e.g. defensive driver course) Equipment-related (e.g. anti-theft, new car) Payment (e.g. auto-pay, paperless) Defensive driver (e.g. taking a defensive driving course)
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