Best Cheap Car Insurance for Inexperienced Drivers in Ohio

In an ideal world, we could tell you the single best car insurance company that has the most affordable coverage in Ohio. That is not the case, however, as there are a whole slew of unknowns like if you have ever let your coverage lapse, the amount of liability coverage you want, if you are a woman or a man, and if you are wanting full coverage, that all help calculate your car insurance rates. The content below covers the different scenarios that increase car insurance cost and will hopefully give the reader a good start to your coverage search.

The safety and performance level of the vehicle you are buying coverage for is probably the most important factor that determines if you can find the best cheap coverage for inexperienced drivers. Vehicles with more horsepower, poor safety features, or a track record of large liability claims will cost much more to insure than safer models.

The next lists showcases auto insurance costs for the cheapest vehicles to insure.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in zip code location which can impact auto insurance rates significantly.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in specific location which can affect coverage prices significantly.

Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Table data does not factor in specific zip code location which can decrease or increase auto insurance rates substantially.

Finding decent, affordable insurance is hard enough, and deciding which insurers offer the most affordable insurance rates for inexperienced drivers calls for even more perseverance. Every insurance provider has a different formula to determine premium rates, so we need to take a look at the insurance companies with the most affordable rates in Ohio.

It’s a good idea to be aware that Ohio insurance rates are based on many factors that may substantially change your annual premium. This price variation is why it is so important to shop around with many companies when trying to get affordable auto insurance quotes for inexperienced drivers. Rates are calculated by many factors and can increase or decrease at any time, so the best company the last time you checked may now not even be in the top five.

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Utica National generally has some of the most affordable car insurance rates in Ohio at around $654 annually. Allied, Erie, Frankenmuth, and USAA also are some of the more affordable Ohio auto insurance companies.

As the example above demonstrates, if you currently have coverage with Allied and switched to Utica National, you might realize an annual savings of approxmiately $22. Insureds with Erie may save as much as $27 a year, and Frankenmuth policyholders might see rate reductions of $54 a year.

Understand that those estimates are averaged for all types of insureds and vehicles and are not factoring in a rate decrease for inexperienced drivers. So the car insurance company that has the cheapest price for you may not even be shown in the list of companies shown earlier. That underscores the importance of why you need to compare rates from as many companies as possible using your own personal information and vehicle type.

One of the more important criteria that is looked at to help calculate the policy price is where your home is located in Ohio. Larger areas like Youngstown, Toledo, and Cincinnati likely pay more, whereas areas that tend to be more rural benefit from lower coverage costs.

The following table sorts the most expensive areas in Ohio for inexperienced drivers in which to purchase auto insurance.

Annual rates are comparative as the specific area where the vehicle is garaged can raise or lower premiums significantly.

The information below illustrates how your choice of deductibles can influence yearly insurance costs when researching cheap insurance for inexperienced drivers. The rates are based on a single male driver, full coverage, and no policy discounts are applied.

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The chart above illustrates that a 40-year-old driver could reduce rates by $224 a year by changing from a $100 deductible to a $500 deductible, or save $338 by choosing a $1,000 deductible. Younger drivers, like the age 20 example, could shave as much as $734 or even more by using a higher deductible.

When raising deductibles, it will now be necessary to have plenty of money set aside to satisfy the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Finding the best auto insurance provider can be difficult considering how many choices you have in Ohio. The company information in the next section could help you decide which auto insurance companies you want to consider buying from. These ratings are only made up of large nationwide companies, so smaller companies are not factored into this list.

Geico, State Farm, Allstate, and Progressive compared

When it comes to auto insurance for new drivers in Ohio, the first places to look would be Geico, State Farm, Allstate, and Progressive. When combined, they make up 48.5% of all car insurance policies in America. All of them offer physical damage and liability coverage, but each has a distict selection of optional coverages and features that shoppers can choose from. The next table illustrates ratings for price, service, and claims, in additional to some of the optional coverages that may be available in Ohio.