Who Has the Cheapest Car Insurance for Welfare Recipients in Ohio?

Who Has the Cheapest Car Insurance for Welfare Recipients in Ohio?

One of the many things that aid in calculating car insurance rates is where you keep your car in Ohio. Areas with more people or even just a higher incidence of claims like Youngstown, Columbus, and Cincinnati tend to pay more, whereas areas with less congestion generally pay less for car insurance.

The information below lists the most expensive areas in Ohio for welfare recipients to buy an auto insurance policy in.

How much does auto insurance cost in Ohio?
Rank City Premium Per Year
1 Youngstown $1,273
2 Cleveland $1,235
3 Columbus $1,235
4 Toledo $1,229
5 Cincinnati $1,186
6 Cleveland Heights $1,166
7 Akron $1,157
8 Dayton $1,142
9 Euclid $1,140
10 Springfield $1,105
11 Hamilton $1,102
12 Fairfield $1,085
13 Lakewood $1,073
14 Canton $1,069
15 Middletown $1,055
16 Newark $1,053
17 Kettering $1,040
18 Parma $1,037
19 Cuyahoga Falls $1,037
20 Mansfield $1,022
21 Beavercreek $1,016
22 Lorain $1,015
23 Strongsville $1,011
24 Mentor $988
25 Elyria $975
Find Cheaper Rates Go

Rate information is comparative as specific location information can raise or lower premiums substantially.

The vehicle model you are insuring is probably the largest consideration when comparison shopping for the lowest-priced insurance for welfare recipients. Vehicles with lots of speed or power, poor safety features, or high incidents of liability claims will cost much more to insure than more modest models.

The data below illustrates auto insurance costs for a number of the most cost-effective automobiles to buy coverage for.

Cheapest Auto Insurance Rates for Welfare Recipients in Ohio
Make and Model Estimated Cost for Full Coverage
Toyota Prius $335
Ford Explorer XLT AWD $340
Dodge Grand Caravan SE $345
Honda CR-V LX 2WD $344
Chevrolet Traverse LS 2WD $352
Ford Escape Limited 2WD $354
Volkswagen Jetta S 4-Dr Sedan $359
Toyota RAV4 Sport 2WD $365
Chevrolet Malibu LS $359
Subaru Outback 3.6R $365
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $372
Hyundai Elantra SE Touring Station Wagon $373
Toyota Corolla LE $378
Hyundai Santa Fe SE 4WD $388
Toyota Sienna XLE AWD $378
Honda Odyssey LX $379
Nissan Rogue SL 2WD $384
Hyundai Sonata GLS 4-Dr Sedan $390
Nissan Altima 3.5 SR 4-Dr Sedan $384
Chevrolet Silverado LT Regular Cab $390
Start Your Quote Go

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in specific Ohio garaging location which can affect prices substantially.

Based upon these rates, you can expect makes and models like the Toyota Prius, Ford Explorer, Dodge Grand Caravan, and Honda CR-V will definitely be a few of the more affordable vehicles to insure for drivers on welfare.

Best auto insurance in Ohio

Picking the best company can be difficult considering how many companies sell insurance in Ohio. The information shown below may help you analyze which car insurance companies you want to consider comparing price quotes from.

These rankings are for companies with a nationwide focus, so companies with more of a regional focus are not taken into consideration for the list. If you wish to compare prices from the insurers below and more, just click here.

Top Auto Insurance Companies for Welfare Recipients
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

How to find cheaper car insurance for welfare recipients

It is possible to find better rates, and here are some of the better money-saving suggestions that can help drivers get lower-cost car insurance.

  • Be a safe driver
  • Good credit scores may make rates cheaper
  • Buy a safer vehicle
  • Discounts for being claim-free can be substantial
  • Do not get into accidents that are your fault
  • Compare prices frequently to find the best deal

That last idea is particularly critical, as was pointed out in the prior article. Rates can be modified anytime, so don’t be tentative to switch carriers if a lower-cost policy is available. We understand brand loyalty, but it’s not a great idea if that loyalty ends up costing a fortune every year. In just a few minutes you could shop around to find cheaper car insurance for welfare recipients.

Best cheap insurance quotes for drivers on welfare

You have many ways to purchase auto insurance in Ohio, but the most frequently used ways are through a captive (or exclusive) agent such as State Farm or Auto-Owners, an independent or non-exclusive agent, or from a direct company like Geico or Progressive.

Each way has the same basic process, but they differ in how they work.

Independent agencies write business for many companies and can compare rates with all of them. Agents of this type have the freedom to quote rates with many companies, which may provide you with the best chance of finding a lower price. If a cheaper price is found, they simply move the coverage in-house which makes it simple for you.

A captive or exclusive agent is ‘exlusive’ to just one company, a couple examples are Allstate and Liberty Mutual agents. They are unable to provide rate quotes from other companies, so always compare other rates.

When you buy auto insurance direct, you bypass an independent or exclusive agent and instead shop direct online or over the phone from a company like Geico or Progressive. Buying auto insurance direct may be preferred by families who do not have a lot of assets and know more than average about the limitations of auto insurance.

So what is the best way to buy the cheapest auto insurance for welfare recipients in Ohio? The obvious answer would be buying from a direct car insurance company saves the most money because there isn’t an agent involved, but that is generally not the case. We could also say that buying from an independent agent results in the best rates due to increased selection, but again, it’s not necessarily true. In many cases, exclusive agencies have coverage prices that are well below what direct and independents offer.

Due to the large number of rating factors, the best way to buy the cheapest policy is to do a thorough rate comparison. We highly recommend getting price quotes all three ways to have a good selection of rates to choose from. For a list of auto insurance companies with low rates, click here to view.