Best Cheap Car Insurance for Hybrid Vehicles in Ohio

Figuring out which companies have the lowest-priced auto insurance rates for hybrid vehicles takes a little more effort than just picking a company at random. Every auto insurer has a unique formula to set policy rates, so let’s take a look at the auto insurance companies with the overall best prices in Ohio.

It’s important that you understand Ohio auto insurance rates are determined by lots of factors which can substantially decrease or increase the policy premium. Improving your credit rating, increasing liability limits, or getting caught speeding can trigger price changes that may make certain companies cheaper in comparison to the competition.

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Utica National generally has some of the lowest car insurance rates in Ohio at around $647 each year. Allied, Frankenmuth, Erie, and USAA also make the cut as some of the most economical Ohio car insurance companies.

In the above rates, if you are a policyholder with Erie and switched to Utica National, you could earn yearly savings of upwards of $34. Customers with USAA may save as much as $86 a year, and Travelers insureds might lower prices by up to $86 a year.

It’s important to note that these rates are averages for all drivers and vehicles and and are not calculated with a rate discount for hybrid vehicles. So the auto insurance company that can offer you the lowest price may not even be shown in the above rate chart. That is why you need to get quotes using your own specific driver and vehicle information.

One of the more important factors that influence the policy price is your address in Ohio. More populated areas like Columbus, Toledo, and Cincinnati tend to pay higher rates, whereas areas with less congestion benefit from lower prices.

The table below rates the most expensive areas in Ohio for hybrid vehicles to purchase car insurance in.

Price information shown is comparative as specific Ohio zip code can alter premium rates noticeably.

The vehicle you are buying coverage for is probably the biggest factor when shopping around for the best cheap auto insurance for hybrid vehicles in Ohio. Vehicles with limited top-end speed, a plethora of safety features, or a low likelihood of having liability claims will cost substantially less to insure than adrenaline junky models. The table below shows coverage prices for a number of the most economical vehicles to buy insurance for.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rates do not factor in specific location information which can impact rates substantially.

Looking at the data, models like the Hyundai Elantra, Honda CR-V, Toyota Prius, and Ford Escape are most likely going to be a few of the cheaper vehicles to insure for hybrids.

Ending up with a high-quality car insurance provider can be challenging considering how many companies sell coverage in Ohio. The information listed below could help you decide which insurers you want to consider comparing prices from.

The rankings below are only comprised of large, nationwide insurance companies, so companies without a large exposure are not included in this list. To check prices and find the cheapest rates for hybrid vehicles, click here.

Discounts on the best cheap auto insurance for hybrid vehicles in Ohio

Car insurance companies that offer cheap quotes for hybrid vehicles may also give you discounts that could reduce prices by 40% or more if you meet the requirements. A list of auto insurance companies and some of their more popular discounts can be found below.

• Progressive discounts include good student, online quote discount, continuous coverage, multi-policy, and online signing.
• AAA includes discounts for pay-in-full, anti-theft, AAA membership discount, good student, multi-policy, multi-car, and education and occupation.
• Farmers Insurance offers premium reductions for electronic funds transfer, youthful driver, switch companies, multi-car, teen driver, and good student.
• GEICO policyholders can earn discounts including daytime running lights, driver training, multi-policy, five-year accident-free, and anti-lock brakes.
• Esurance offers discounts for emergency road assistance, defensive driver, homeowner, safety device, and renters.
• SAFECO has discounts for anti-lock brakes, drive less, safe driver, anti-theft, and multi-car.
• State Farm may offer discounts for student away at school, Steer Clear safe driver discount, anti-theft, safe vehicle, and driver’s education.

The chart below visualizes the comparison of auto insurance costs with and without discounts applied to the policy premium. The rates are based on a male driver, no accidents or driving violations, Ohio state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with claim-free, accident-free, passive restraint, multiple vehicle, safe-driver, and homeowner discounts applied. When these discounts are applied, the average savings per year on auto insurance for hybrid vehicles is 28% or $492.

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Does Progressive, Allstate, Geico, or State Farm have the cheapest car insurance?

When it comes to car insurance for hybrids in Ohio, four companies to consider are Progressive, Allstate, Geico, and State Farm. Each company has different features and discounts that buyers can choose from. The table below ranks pricing and service ratings, as well as optional policy coverages .