Best Cheap Car Insurance for Teenage Females in Ohio

I’m sure you’ve seen the captivating commercials from auto insurance companies like The General, Farmers, and Progressive that guarantee huge savings. So drivers just need to pick the one with the best commercial, right?

Unfortunately, it’s just not that easy, as there are many unknown factors such as if you are married, the type of vehicle you drive, and the amount of liability insurance you need, that all impact the price you pay. This article will cover the types of situations that result in high rates and hopefully give you enough understanding to have some help in finding cheaper rates.

For teen girls, one of the big things that car insurance companies use when figuring the amount you pay for auto insurance is your address in Ohio. Regions with more people or even just more weather-related claims like Youngstown, Columbus, and Cleveland Heights are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims receive better rates.

The table below shows the highest-priced areas in Ohio for teenage females to buy an auto insurance policy in.

Premium amounts are estimated as specific Ohio zip code can revise coverage rates noticeably.

Finding out which company quotes the best car insurance rates for teenage females will involve more work than just comparing a company or two. Each insurer uses different criteria to establish rates, so to begin we’ll rank the most budget-friendly car insurance companies in Ohio.

It’s a good idea to be aware that Ohio car insurance rates are determined by lots of factors that control your annual premium. Simply turning a year older, increasing deductibles, or getting a few speeding tickets can cause premium changes that can cause some rates to be more affordable than the competition.

Find the Cheapest Auto Insurance for Teens

Get a Free Quote and Save

Utica National generally has some of the cheapest car insurance rates in Ohio at around $635 annually. Frankenmuth, Erie, Allied, and Travelers would also make the list of some of the more affordable Ohio car insurance companies.

As shown in the rates above, if you are a customer of Travelers and switched to Frankenmuth, you may see savings of in the vicinity of $25. Drivers with USAA might save as much as $39 a year, and Merchants Insurance Group insureds might reduce prices by as much as $91 a year.

It’s important to note that these policy rates are averaged for all drivers and vehicles and are not factoring in a rate surcharge for teenage females. So the car insurance company that is most affordable for your situation may not even be shown in the list above. That illustrates why you need to compare as many prices as possible using your own driver data and vehicle information.

The vehicle you are trying to insure is one of the main factors when quoting the best cheap auto insurance for teenage females in Ohio. Vehicles with reasonable performance levels, a plethora of safety features, or low incidents of liability claims will cost substantially less to insure than adrenaline junky models.

The next table shows car insurance rates for a number of the most economical vehicles to insure in Ohio.

Data based on single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in garaging location in Ohio which can increase or decrease auto insurance rates substantially.

Based on these rates, you can presume that models like the Ford Escape, Honda CR-V, Chevrolet Traverse, and Ford F-150 are most likely to be a few of the cheapest vehicles to insure for teen girls. The price for car insurance will tend to be more expensive just due to the fact that there is more liability risk for teenage females, but generally speaking those particular models will most likely have the least expensive rates compared to other vehicles.

Liability rates compared to full coverage

Finding the best cheap auto insurance for teenage females in Ohio is important to the majority of people, and one easy way to find cheap insurance is to buy liability only. The example below visualizes the comparison of car insurance rates when comparing full coverage to liability only. The rates are based on no claims, a clean driving record, $250 deductibles, drivers are single, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 2785,917],[‘Age 30’, 1451,507],[‘Age 40’, 1433,469],[‘Age 50’, 1303,441],[‘Age 60’, 1263,433],[‘Age 70’, 1537,577]]);var options = {title: ‘Comparison of Rates for Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Ohio’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

Averaged for all age groups, comp and collision coverage costs an additional $1,629 per year over and above liability coverage. At some point, about every driver wonders if buying full coverage is worth the money. There is no specific rule of when to exclude physical damage coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is about 10% or more of replacement cost minus your deductible, then you might consider buying liability only.

For example, let’s say your vehicle’s claim settlement value is $10,500 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $9,500 after the policy deductible has been paid. If it’s costing in excess of $950 annually for comprehensive and collision coverage, then you might consider buying liability only.

Impact of violations and accidents on rates in Ohio

The easiest way to find cheap car insurance prices in Ohio for teen girls is to drive cautiously and avoid getting tickets or having accidents. The example below illustrates how traffic citations and at-fault collisions can increase yearly insurance costs for each age group. The rate quotes are based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 2451,2669,4535],[‘Age 30’, 1685,1905,3775],[‘Age 40’, 1567,1787,3651],[‘Age 50’, 1369,1591,3453],[‘Age 60’, 1325,1547,3411],[‘Age 70’, 1551,1771,3635]]);var options = {title: ‘Impact of Citations and Accidents on Ohio Insurance Premiums’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Ohio’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous chart, the average cost of a car insurance policy per year with no accidents or violations is $1,658. Factor in one speeding ticket and the average cost hikes up to $1,878, an increase of $220 each year. Then include two accidents along with the one speeding ticket and the annual cost of car insurance for teenage females jumps again to an average of $3,743. That’s an increase of $2,085, or $174 per month, just for being a careless driver!

Is the best company Progressive, Geico, Allstate, or State Farm?

When buying car insurance for teen girls in Ohio, the first places to look would be Progressive, Geico, Allstate, and State Farm. All of them offer liability and physical damage protection, but each on has a distict selection of optional coverages and features that add value to each policy. The following table compares and contrasts some of the different options and features that may be available in Ohio.

Cheap insurance quotes for teen girls

Thanks to the internet, there are a lot of ways to comparison shop for car insurance in Ohio, but the most preferred are from an exclusive agency like Allstate or State Farm, an independent agent, or from a direct company like Progressive or Geico.

They all have the same end result, but it’s important to understand the differences in how they price policies.

Independent agencies are appointed by several companies and can get rate quotes from each one. Independent agents are not employed by one specific company and can give you a larger rate selection, which can help you get improved chances of finding a lower rate. If you want to switch companies, you can get a different policy which makes it easier to save money.

An exclusive agent is restricted to quoting rates for a single insurance company, two examples are Allstate or State Farm agents. They generally cannot provide rate quotes from other companies, so if rates are high, they cannot give you alternative choices.

Buying car insurance direct means you bypass the middleman (the agent) and instead buy direct online or over the phone from a company like Esurance or Geico. Buying direct is good for people who have lower risk management needs and have an above average understanding of what limits they need.

So which one of the three ways works best to find the best cheap auto insurance for teenage females in Ohio? It would be simple to say buying direct results in the best prices since there is no need to pay agent commissions, but that is not always the case. We could also assume that going through an independent agent is the best way to go due to having more companies to select from, but again, that’s not accurate. In some circumstances, the exclusive agents have coverage prices that are well below what direct and independents offer.

Because there is so much variation in car insurance prices, really the best method to ensure you are not overpaying is to get rate quotes and compare. If you have the time, get price quotes from independent, exclusive, and direct in order to have the best selection to choose from. For a list of companies with some of the cheapest Ohio car insurance rates, click here to view.