The car, truck, or SUV driven is one of the primary factors that determines the availability of low-priced insurance for 19 year olds. Vehicles with higher performance characteristics, poor crash test ratings, or an increased likelihood of liability claims will cost more to insure than safer models. The data below outlines car insurance prices for some of the most affordable automobiles to buy insurance for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$4,162|
|Honda CR-V LX 2WD||$4,172|
|Ford Escape XLS 4WD||$4,162|
|Ford F-150 XL Super Cab 2WD||$4,598|
|Ford Explorer XLT AWD||$4,651|
|Toyota Tacoma 4WD||$4,657|
|Honda Civic DX 4-Dr Sedan||$4,889|
|Ford Edge Limited 2WD||$4,895|
|Volkswagen Jetta S 4-Dr Sedan||$4,943|
|Toyota RAV4 Limited 4WD||$4,950|
|Dodge Grand Caravan Crew||$4,996|
|Ford Focus SES 4-Dr Sedan||$5,178|
|Hyundai Elantra Blue 4-Dr Sedan||$5,185|
|Toyota Corolla XLE||$5,231|
|Toyota Camry XLE||$5,241|
|Chevrolet Impala LTZ||$5,231|
|Honda Odyssey EX-L W/Rear Entertainment||$5,241|
|Chevrolet Silverado 2500HD LT Crew Cab 4WD||$5,285|
|Jeep Grand Cherokee Limited 4WD||$5,294|
|Chevrolet Malibu LTZ||$5,285|
|GMC Sierra 2500HD SLE Crew Cab 4WD||$5,291|
|Chevrolet Equinox LTZ 2WD||$5,285|
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Data based on single male driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in specific garaging location which can alter premiums noticeably.
Based on these rates, we can tell that makes and models like the Honda Accord, Honda CR-V, Ford Escape, and Toyota Prius are a few of the most affordable vehicles to insure for teenage drivers. The cost of auto insurance will tend to be more expensive anyway because of the fact that there is more liability exposure for 19 year olds, but in general those models will most likely have the cheapest car insurance rates possible.
Establishing which companies offer the cheapest auto insurance rates for 19 year olds will involve a little more work than just getting one or two price quotes. Every insurance provider has a different formula for setting prices, so let’s look at the rankings for the most competitive auto insurance companies in Ohio.
Cheap Insurance Rates for Teens
|Rank||Company||Cost Per Year|
|8||Merchants Insurance Group||$771|
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Utica National normally has some of the lowest car insurance rates in Cleveland at around $628 each year. This is $412 less than the average premium paid by Ohio drivers of $1,040. Erie, Frankenmuth, Allied, and Travelers also make the cut as some of the lowest-priced Cleveland, OH auto insurance companies.
In the above example, if you have coverage with Erie and switched to Utica National, you may see savings of around $39. Insureds with Frankenmuth could save as much as $59 a year, and Allied policyholders might see rate reductions of $69 a year.
To see how much you can save, click here to start a quote or feel free to get quotes from the companies below.
Remember that these policy rates are averaged across all drivers and vehicles in Ohio and are not factoring in an exact location for 19 year olds. So the insurer that is best for you may not even be in the list above. That emphasizes why you need to get rate quotes using your own driver and vehicle profiles.
Finding a good quality car insurance provider can be challenging considering how many companies there are to choose from in Ohio. The ranking data in the next section can help you pick which auto insurance companies you want to consider buying from.
The ratings below are only comprised of companies with a nationwide focus, so companies that only write business in Ohio or surrounding areas are not included in the list. To view rates from these and other competitive companies, simply click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Impact of speeding/accidents on auto insurance rates
The easiest method to earn affordable auto insurance rates in Cleveland for teenage drivers is to drive attentively and avoid accidents and violations. The illustration below demonstrates how speeding tickets and fender-benders can raise car insurance costs for each age group. The information is based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
The data above shows the average cost of an auto insurance policy per year with no violations or accidents is $1,308. Get written up for two speeding tickets and the average cost swells to $1,735, an increase of $427 each year. Then throw in two accidents along with the two speeding tickets and the yearly cost of auto insurance for 19 year olds goes up to an average of $3,243. That’s an increase of $1,935, or $161 per month, just for being a little careless behind the wheel!
Discount Cleveland insurance
Insurance providers that offer coverage for 19 year olds may provide policy discounts that can reduce rates by 40% or more if you meet eligibility requirements. A list of companies and a partial list of their discounts can be read below.
- GEICO has discounts for multi-vehicle, anti-lock brakes, five-year accident-free, military active duty, defensive driver, emergency military deployment, and air bags.
- Auto-Owners Insurance offers discounts including mature driver, multi-policy, safe vehicle, anti-lock brakes, company car, and air bags.
- American Family may offer discounts for Steer into Savings, defensive driver, TimeAway discount, bundled insurance, and good student.
- Esurance has savings for good student, defensive driver, online shopper, safety device, multi-policy, multi-car, and anti-lock brakes.
- Progressive may have discounts that include online quote discount, continuous coverage, homeowner, multi-vehicle, multi-policy, online signing, and good student.
- State Farm may include discounts for Drive Safe & Save, defensive driving training, passive restraint, multiple autos, multiple policy, safe vehicle, and accident-free.
- AAA offers discounts for AAA membership discount, good student, multi-policy, anti-theft, education and occupation, pay-in-full, and multi-car.
The chart below compares insurance costs with and without discounts applied to the premium. The data assumes a female driver, no violations or claims, Ohio state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with defensive driving course, vehicle safety, marriage, claim-free, multiple policy, and passive restraint discounts applied. When drivers take advantage of discounts, the average savings per year on auto insurance for 19 year olds is 28% or $300.
Why you should be shopping around
Cleveland, OH auto insurance rates are based on many factors which can significantly increase or decrease the price you have to pay. Simply turning a year older, increasing deductibles, or getting caught speeding can cause premium changes that may make certain companies more affordable than competitors. Not only that, but insurance companies file new rates multiple times each year to adjust for unexpected claims or profits. Significantly higher claims can result in additional premium costs, while better underwriting can result in cheaper Cleveland car insurance rates.
The data below demonstrates which company has the cheapest car insurance in Cleveland, OH for a 30-year-old male driver with a clean driving record, no accidents, and a decent credit rating. If we estimate rates based on his current risk factors, Utica National quotes the lowest car insurance rates in Cleveland at $820 annually. This is $220 less than the average policy premium paid by Ohio drivers of $1,040. Erie, Frankenmuth, Allied, and Travelers are also included in the cheapest Cleveland, OH auto insurance companies.
In the next rate comparison, we’ll give the driver from the first example a couple of claims, less-than-perfect credit, and a couple of points charged on his driving record. Since each company has a different formula for determining rates, comparing quotes may result in a significantly different list of affordable companies as shown below.
Cincinnati Insurance now has the lowest car insurance rate in Cleveland with Merchants Insurance Group, General Casualty, Motorists Mutual, and Grange Mutual now being in the top five. This example demonstrates why Ohio drivers need to spend some time comparing rates to get affordable insurance quotes for 19 year olds.
Rates can be determined by many things and can change without notice, so the most economical option the last time you checked may now not even be in the top five.
The Cleveland auto insurance agencies shown below are a good start to help you make a decision which car insurance policy is best, since some drivers wish to get some professional advice when buying car insurance for 19 year olds. It can be time-consuming to find the best policy on your own, and using a licensed agent can provide comfort knowing you have adequate asset protection. To locate an agency close to you, click the button after the list or click here to compare rates now.
Nationwide Insurance: James F Greer Jr
16700 Chagrin Blvd – Cleveland, OH 44120 – (216) 752-7100
Nationwide Insurance: Sam J Saraniti
3100 W 25th St – Cleveland, OH 44109 – (216) 281-3900
200 Public Square #100 – Cleveland, OH 44114 – (216) 937-1700