Best Cheap Car Insurance for Safe Drivers in Ohio

Whenever people write about auto insurance, the word affordable should not appear anywhere in the article to describe car insurance prices. Unfortunately, cheap auto insurance for safe drivers does not exist. But don’t let that discourage you, because we are going to tell you how you can still get auto insurance that is cheaper than what you have now.

Establishing which companies quote the lowest-priced auto insurance rates for safe drivers requires a little more work in order to find coverage that fits your buget.

Each auto insurance company has their own formula to set policy rates, so let’s rank the overall cheapest auto insurance companies in Ohio.

Best Car Insurance Prices for Safe Drivers

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Utica National normally has some of the most affordable car insurance rates in Ohio at around $647 a year. Erie, Allied, Frankenmuth, and USAA are also some of the best Ohio auto insurance companies.

As illustrated above, if you are insured with Frankenmuth and switched to Erie, you could realize savings of roughly $19. Policyholders with USAA could save as much as $50 a year, and Travelers customers might reduce prices by as much as $51 a year.

Bear in mind that those prices are averages for all types of insureds and vehicles and and are not figured with a price discount for safe drivers. So the auto insurance company that is most affordable for your situation may not even be included in the list of companies shown earlier. That underscores the importance of why you need to compare prices as often as possible using your own driver data and vehicle information.

For Ohio drivers, one of the things that is used to calculate the cost of insurance is the neighborhood you call home in Ohio. Cities with larger populations like Youngstown, Columbus, and Cleveland Heights are more likely to have higher rates, whereas areas with less crime or weather claims have the luxury of the best cheap auto insurance for safe drivers in Ohio.

The information below sorts the highest-priced areas in Ohio for safe drivers to buy an auto insurance policy in.

Information shown are comparative as specific Ohio zip code can decrease or increase rates greatly.

The diagram below highlights how deductible choice can increase or decrease insurance rates when getting quotes for cheap insurance for safe drivers. The prices are based on a married male driver, comp and collision included, and no policy discounts are applied.

The chart above illustrates that a 30-year-old driver could lower rates by $208 a year by switching from a $100 deductible up to a $500 deductible, or save $316 by choosing a $1,000 deductible. Even younger drivers, such as the Age 20 example, could potentially save up to $630 or more by selecting a higher deductible.

When insureds make the decision to increase the deductibles on their policy, it is important to have enough spare savings to be able to cover the extra out-of-pocket expense that comes with higher deductibles.

Get discount Ohio car insurance

Insurers that offer the best cheap auto insurance for safe drivers in Ohio may also offer special discounts that can reduce rates by 25% or more if you meet eligibility requirements. The best auto insurance companies and a partial list of their discounts include:

The diagram below visualizes the comparison of insurance prices with and without some available policy discounts. The price estimates are based on a male driver, no claims or driving citations, Ohio state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with passive restraint, marriage, multiple policy, claim-free, anti-theft, and defensive driving course discounts applied. When taking advantage of discounts, the the average yearly reduction on auto insurance for safe drivers is 17% or $171.

State Farm, Progressive, Geico, or Allstate: Who is cheapest?

If you are looking for the best auto insurance, four of the best places to start are State Farm, Progressive, Geico, and Allstate. The table below breaks down some of the different features that may be available in your state.