When buying insurance for poor drivers, one of the key things that affect the price you pay for insurance is where you keep your vehicle. Cities with larger populations or higher claims like Youngstown, Toledo, and Cleveland Heights will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims enjoy lower insurance rates.
The information below displays the priciest cities in Ohio for low income drivers to purchase car insurance in.
Rank | City | Premium Per Year |
---|---|---|
1 | Youngstown | $1,273 |
2 | Columbus | $1,247 |
3 | Toledo | $1,241 |
4 | Cleveland | $1,222 |
5 | Cleveland Heights | $1,214 |
6 | Euclid | $1,175 |
7 | Cincinnati | $1,174 |
8 | Akron | $1,169 |
9 | Dayton | $1,142 |
10 | Hamilton | $1,113 |
11 | Lakewood | $1,073 |
12 | Springfield | $1,072 |
13 | Canton | $1,058 |
14 | Middletown | $1,055 |
15 | Newark | $1,053 |
16 | Fairfield | $1,053 |
17 | Beavercreek | $1,047 |
18 | Kettering | $1,040 |
19 | Cuyahoga Falls | $1,027 |
20 | Mentor | $1,018 |
21 | Lorain | $1,015 |
22 | Strongsville | $1,011 |
23 | Elyria | $1,005 |
24 | Mansfield | $1,002 |
25 | Parma | $997 |
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Rate information is comparative as vehicle location can modify insurance rates greatly.
Finding reliable, low-cost insurance is tough enough, and finding out which companies offer the cheapest insurance rates for low income drivers involves even more work.
Every insurance company has a different formula to determine rates, so let’s rank the most competitive insurance companies in Ohio.
Best Insurance Companies in Ohio
Rank | Company | Cost Per Year |
---|---|---|
1 | Utica National | $647 |
2 | Allied | $676 |
3 | Frankenmuth | $680 |
4 | Erie | $687 |
5 | Travelers | $712 |
6 | USAA | $719 |
7 | Cincinnati Insurance | $772 |
8 | Merchants Insurance Group | $778 |
9 | Motorists Mutual | $792 |
10 | Grange Mutual | $836 |
11 | General Casualty | $837 |
12 | Central Mutual | $848 |
13 | State Farm | $858 |
14 | Hastings Mutual | $893 |
15 | Atlantic States | $904 |
16 | Westfield | $908 |
17 | Western Reserve | $941 |
18 | Progressive | $953 |
19 | Auto-Owners | $998 |
20 | Farmers | $1,005 |
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Utica National normally has some of the cheapest car insurance rates in Ohio at around $647 a year. Allied, Frankenmuth, Erie, and Travelers also rank well as some of the cheapest Ohio insurance companies.
As illustrated above, if you buy coverage from Frankenmuth and switched to Utica National, you might achieve a yearly savings of about $33. Insureds with Erie may save as much as $40 a year, and Travelers policyholders might lower prices by up to $65 a year.
Remember that these prices are averaged for all ages of drivers and types of vehicles and do not take into consideration a rate decrease for low income drivers. So the company that is best suited for you may not even be included in the chart above. That illustrates why you need to get rate quotes using your own driver data and vehicle information.
Insuring your vehicle with a high-quality auto insurance company can be challenging considering how many different companies insure vehicles in Ohio. The company ratings in the lists below could help you analyze which providers to look at when trying to find cheaper insurance for low income drivers.
These ratings are for companies with a nationwide focus, so companies that only write business in Ohio or surrounding areas are not included in these rankings. To compare rates from these and other companies in Ohio, simply click here.
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 |
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Data Source: Insure.com Best Car Insurance Companies
If you’re looking for the best car insurance, some of the first companies to look at are Allstate, State Farm, Progressive, and Geico. When added together, they make up about 50% of all car insurance policies written. The data below compares and contrasts some of the different options you can buy with each company.
Allstate | State Farm | Progressive | Geico | |
---|---|---|---|---|
Claims Handling | 1st | 2nd | 4th | 3rd |
Customer Satisfaction | 2nd | 4th | 3rd | 1st |
Overall Cost | 4th | 2nd | 3rd | 1st |
Number of Discounts | 1st | 3rd | 4th | 2nd |
Percent of customers who recommend | 86% | 88% | 88% | 87% |
A.M. Best rating | A+ | A++ | A+ | A++ |
Standard & Poor’s rating | AA- | AA | AA | AA+ |
Roadside service | Yes | Yes | Yes | Yes |
Rideshare coverage | Yes | Yes | Yes | Yes |
Mechanical breakdown insurance | No | No | Yes | Yes |
Usage-based rating | Yes | Yes | Yes | No |
Accident forgiveness coverage | Yes | No | Yes | Yes |
New car replacement | Yes | No | No | No |
Insure in Ohio | Yes | Yes | Yes | Yes |
Insurance Agents | Can only buy from Allstate agents | State Farm-only agents | Online or from independent agents | Online or through a Geico agent |
Number of agents | 11,000+ | 18,000+ | 30,000+ | 150+ |
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Here are a few thrifty solutions that can help you buy cheaper auto insurance.
The last suggestion is remarkably valuable, as was stressed in this piece. Auto insurance prices can change significantly in a year, so drivers shouldn’t be reluctant to buy a different policy if a better rate can be found. Having a favorite company is great, but it isn’t a good idea if that inflexibility results in costing you a lot of money every month. Take a couple minutes and compare prices and find cheaper insurance for low income drivers.