Cheapest Auto Insurance for Good Drivers in Ohio

One of the many considerations that helps car insurance companies calculate the cost of insurance is where you live in Ohio. Areas with more people like Cleveland, Toledo, and Cleveland Heights are more likely to pay higher prices, whereas areas that tend to be more rural benefit from lower rates.

The illustration below rates the higher priced cities in Ohio for good drivers to purchase car insurance in.

Table data uses estimated as the vehicle garaging location can alter premiums considerably.

Establishing which company offers the cheapest insurance rates for good drivers will require a bit more work in order to find the lowest price. Each auto insurance company uses a different method for establishing rates, so we’ll go over the most competitive insurance companies in Ohio.

Keep in mind that Ohio insurance rates are based on many factors which can significantly increase or decrease the policy price. Getting older, buying a new vehicle, or getting a few speeding tickets can trigger price changes that may make certain companies cheaper than others.

Cheapest Insurance Rates for Good Drivers

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Utica National offers some of the most affordable car insurance rates in Ohio at around $635 annually. Erie, Frankenmuth, Allied, and USAA would also make the list of some of the lowest-priced Ohio auto insurance companies.

As the rates illustrate above, if you currently buy coverage from Allied and switched to Utica National, you might achieve yearly savings of around $55. Policyholders with USAA could save as much as $98 a year, and Travelers insureds might cut rates by $98 a year.

If you want to find out if you’re overpaying, click here to start your free quote or click through to the companies below.

These premium estimates are averaged for all drivers and vehicles and and are not calculated with a rate discount for good drivers. So the auto insurance company that can offer the best rates for your situation may not even be featured in the above list. That point stresses why you need to compare as many prices as possible using your own driver information and specific vehicle type.

Cost of full coverage

Finding the cheapest car insurance for good drivers in Ohio is probably important to most people, and one of the best ways to buy cheaper insurance is to not buy full coverage. The example below illustrates the comparison of car insurance costs with full coverage compared to only the Ohio minimum liability coverage. The rate quotes are based on no violations or claims, $100 deductibles, marital status is single, and no discounts are applied.

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Averaged for all ages 20 through 70, physical damage insurance costs an extra $1,308 per year more than just buying liability insurance. That raises the question if full coverage is worth the money. There is no written rule that is best for determining when to drop full coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

Best rates: Progressive, State Farm, Geico, or Allstate

When comparing auto insurance for safe drivers in Ohio, four good companies to start with are Progressive, State Farm, Geico, and Allstate. Between them, they insure about 50% of all policies written in the United States. They all have the same basic coverages, but each one has unique options and discounts that you can choose from. The following table breaks down some of the ratings and options you can expect with each one.