Cheapest Car Insurance Quotes for Low Income Drivers in Ohio

Cheapest Car Insurance Quotes for Low Income Drivers in Ohio

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.

How much does auto insurance cost in Ohio?
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

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Ohio auto insurance company rankings
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.

Top 15 Insurance Companies for Low Income Drivers
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

Allstate, State Farm, Progressive, or Geico: Which is best?

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.

Comparison of Top U.S. Car Insurance Companies
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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How to find the cheapest car insurance for low income drivers in Ohio

Here are a few thrifty solutions that can help you buy cheaper auto insurance.

  • Avoid filing excessive claims
  • Safer vehicles cost less to insure
  • Buying home and auto insurance together can earn discounts
  • Avoid getting tickets or violations
  • Do not get into accidents
  • Shop around and save

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.