This would be a much shorter article if we could just tell you the single best car insurance company that has the lowest rates in Ohio. It’s not quite that easy, unfortunately, as there are a whole slew of unknown factors like if you just need liability coverage, what coverage limits you want, the crime level of your neighborhood, and how old you are, that all factor into the price you pay. This article goes into detail about the best ways to avoid high prices and hopefully give you enough understanding to have a good start to your coverage search.
The car, truck, or SUV you are buying coverage for is one of the primary factors when trying to find the lowest-priced auto insurance for good drivers. Vehicles with limited speed and performance, excellent safety ratings, or a track record of few liability claims will cost significantly less to insure than adrenaline junky models.
The next list illustrates car insurance costs for some of the most affordable vehicles to insure in Ohio.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford F-150 XLT Crew Cab 2WD | $1,452 |
| Dodge Grand Caravan SE | $1,461 |
| Honda CR-V LX 2WD | $1,480 |
| Chevrolet Equinox LT 2WD | $1,532 |
| Chevrolet Malibu Hybrid | $1,539 |
| Honda Civic LX 4-Dr Sedan | $1,581 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,586 |
| Ford Escape XLS 4WD | $1,591 |
| Toyota Corolla XLE | $1,612 |
| Toyota Prius | $1,640 |
| GMC Sierra SLE Regular Cab 4WD | $1,648 |
| Nissan Rogue SL 2WD | $1,643 |
| Hyundai Sonata SE 4-Dr Sedan | $1,723 |
| Nissan Altima 2.5 S 2-Dr Coupe | $1,751 |
| Ford Explorer Eddie Bauer AWD | $1,792 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,802 |
| Honda Odyssey EX W/Rear Entertainment | $1,839 |
| Toyota Camry LE | $1,875 |
| Toyota RAV4 Limited 4WD | $1,884 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,883 |
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Data rating is 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 safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in zip code location which can raise or lower premium rates greatly.
By looking at the data, we can tell that makes and models like the Ford F-150, Dodge Grand Caravan, Honda CR-V, and Chevrolet Equinox are likely to be a few of the less-costly vehicles to insure for safe drivers.
One of the more important considerations that are looked at to help calculate the price you pay for insurance is your address. Cities with larger populations likely pay more, whereas areas that tend to be more rural benefit from lower prices.
The next table ranks the highest-priced places in Ohio for good drivers to buy an auto insurance policy in. Cleveland is ranked #3 costing $1,235 for the average policy, which is approximately $103 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Youngstown | $1,273 |
| 2 | Toledo | $1,241 |
| 3 | Cleveland | $1,235 |
| 4 | Cleveland Heights | $1,214 |
| 5 | Columbus | $1,211 |
| 6 | Cincinnati | $1,186 |
| 7 | Akron | $1,157 |
| 8 | Hamilton | $1,146 |
| 9 | Euclid | $1,140 |
| 10 | Dayton | $1,108 |
| 11 | Springfield | $1,072 |
| 12 | Canton | $1,069 |
| 13 | Middletown | $1,066 |
| 14 | Fairfield | $1,053 |
| 15 | Newark | $1,053 |
| 16 | Kettering | $1,040 |
| 17 | Strongsville | $1,031 |
| 18 | Lakewood | $1,031 |
| 19 | Beavercreek | $1,016 |
| 20 | Mentor | $1,008 |
| 21 | Parma | $1,007 |
| 22 | Elyria | $1,005 |
| 23 | Mansfield | $1,002 |
| 24 | Cuyahoga Falls | $997 |
| 25 | Lorain | $975 |
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Table data uses comparative as the specific geographic location can lower or raise coverage rates significantly.
Establishing which companies have the lowest-priced insurance rates for good drivers calls for more time than just picking a company at random. Each insurance company has their own formula to establish rates, so let’s examine the insurance companies that tend to have lower prices in Cleveland.
It’s important to know that Cleveland, OH insurance rates are determined by lots of factors that will increase or decrease the policy price. Simply having another birthday, marrying your spouse, or having an at-fault accident may prompt premium changes that can now make some companies cheaper than before.
Cheap Insurance Rates for Good Drivers
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $654 |
| 2 | Frankenmuth | $680 |
| 3 | Erie | $681 |
| 4 | Allied | $697 |
| 5 | USAA | $733 |
| 6 | Travelers | $733 |
| 7 | Cincinnati Insurance | $749 |
| 8 | Merchants Insurance Group | $755 |
| 9 | Motorists Mutual | $824 |
| 10 | General Casualty | $829 |
| 11 | Grange Mutual | $836 |
| 12 | Hastings Mutual | $866 |
| 13 | Central Mutual | $874 |
| 14 | State Farm | $885 |
| 15 | Westfield | $908 |
| 16 | Western Reserve | $932 |
| 17 | Atlantic States | $940 |
| 18 | Progressive | $953 |
| 19 | Auto-Owners | $968 |
| 20 | American Family | $1,010 |
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Utica National has some of the best car insurance rates in Cleveland at around $654 per year. This is $386 less than the average premium paid by Ohio drivers of $1,040. Frankenmuth, Erie, Allied, and USAA would also be considered some of the most economical Cleveland, OH insurance companies.
As shown in the rates above, if you currently buy coverage from Allied and switched to Frankenmuth, you may see yearly savings of about $17. Customers with USAA might save as much as $53 a year, and Travelers customers might cut rates by $53 a year.
To find the cheapest coverage for you, click here to start your custom quote or quote prices from the following companies.
Remember that these estimates are averages across all insureds and vehicles and do not take into consideration an exact vehicle garaging location for good drivers. So the insurer that has the cheapest rates for you may not even be in the top 33 companies in the list above. That helps illustrate why you need to get rate quotes using your own specific driver information and vehicle.
How careless driving impacts Cleveland insurance rates
The common sense way to earn good insurance premiums for safe drivers is to be a good driver and avoid accidents and traffic citations. The illustration below shows how violations and at-fault claims can increase auto insurance rates for each different age category. The rate quotes are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
In the prior example, the average cost of an auto insurance policy in Cleveland per year with no accidents or violations is $961. Add in one speeding ticket and the average cost surges to $1,085, an increase of $124 each year. Then include two accidents along with the one speeding ticket and the 12-month cost of insurance for good drivers jumps again to an average of $2,235. That’s an increase of $1,275, or $106 per month, just for not driving carefully!
Get discounts on Cleveland insurance rates
Auto insurance companies that offer coverage for good drivers may also provide price discounts that can lower rates by 25% or more if you meet specific criteria. A list of insurance companies and their possible discounts are outlined below.
- Esurance discounts include multi-policy, multi-car, Switch & Save, emergency road assistance, and defensive driver.
- The Hartford may include discounts for anti-theft, defensive driver, vehicle fuel type, air bag, and driver training.
- AAA includes discounts for AAA membership discount, good driver, multi-policy, pay-in-full, and multi-car.
- GEICO offers premium reductions for seat belt use, anti-theft, defensive driver, good student, and military active duty.
- State Farm has savings for student away at school, passive restraint, anti-theft, Drive Safe & Save, safe vehicle, and driver’s education.
The illustration below visualizes the comparison of yearly insurance costs with and without discounts applied to the policy rates. The rates are based on a male driver, no accidents, no driving violations, Ohio state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with anti-theft, passive restraint, claim-free, accident-free, marriage, and multiple vehicle discounts applied. When taking advantage of discounts, theamount saved on insurance for good drivers is 28% or $485.
Insuring your vehicle with a highly-rated auto insurance company can be challenging considering how many different companies insure vehicles in Ohio. The rank data in the lists below could help you pick which car insurance providers you want to consider when buying insurance for good drivers. These rankings include the largest auto insurers in America, so smaller regional companies will not be included in these rankings.
| 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
How to find low-cost insurance for good drivers
The list below shows many money-saving solutions that can help Ohio drivers find cheap auto insurance.
- Raise comprehensive and collision coverage deductibles
- Do not pay for full coverage if not needed
- Bundle car and home insurance and save money
- Higher credit scores can equal lower rates
- Avoid filing excessive claims
- Drive safe vehicles
- Compare prices frequently to find the best deal
The last tip is extraordinarily significant, as we hit on in this write-up. Prices can be modified anytime, so drivers shouldn’t hesitate to buy from a different company if a lower price can be found.
Having a favorite company is great, but it’s not recommended if that devotion results in you overpaying a wad of cash every year. It takes less than five minutes to compare rates to find cheaper car insurance for good drivers in Cleveland.