Who Has Affordable Auto Insurance Quotes for Business Use in Columbus?

The vehicle you are buying coverage for is probably the most important factor when comparing the best coverage for business use. Vehicles with limited top-end speed, excellent safety ratings, or low incidents of liability claims will cost quite a bit less to insure than higher performance models.

The information below features car insurance prices for a selection of the more affordable vehicles to insure in Ohio.

Cheapest Vehicles to Insure in Columbus, OH
Vehicle Estimated Cost for Full Coverage
Honda CR-V EX-L 4WD $1,170
Jeep Wrangler Sport 4WD 2-Dr $1,189
Ford Explorer XLT 2WD $1,284
Toyota Tacoma 4WD $1,291
Ford Escape XLS 2WD $1,308
Chevrolet Malibu LS $1,354
Chevrolet Equinox LS AWD $1,361
Honda Odyssey EX-L $1,425
Hyundai Elantra GLS 4-Dr Sedan $1,435
Chevrolet Silverado LT Extended Cab 2WD $1,451
Volkswagen Jetta 2.0T 4-Dr Sedan $1,457
Nissan Rogue S 2WD $1,451
Jeep Grand Cherokee SRT-8 4WD $1,458
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Information does not factor in vehicle location which can influence insurance rates significantly.

Based upon these rates, you can see that vehicles like the Honda CR-V, Jeep Wrangler, and Ford Explorer are most likely to be some of the cheaper vehicles to insure for using your car for business. Auto insurance rates will tend to be more expensive because there is more liability risk for business use, but overall those specific models will have the least expensive rates available.

Finding decent, low-priced insurance is not the easiest thing to accomplish, and figuring out which company has the lowest-priced car insurance rates for business use involves a little more work. Each company uses their own calculation to set policy rates, so we need to take a look at the most budget-friendly car insurance companies in Ohio.

We do need to point out that Ohio car insurance rates are calculated based on many things that control your annual premium. This price variation is why it is so important to perform a complete rate comparison when trying to get the lowest car insurance quotes for business use. Insurance rates are calculated by many different factors and can change substantially, so the best company two years ago may now be quite expensive.

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Utica National may offer some of the cheapest car insurance rates in Columbus at around $635 each year. Allied, Erie, Frankenmuth, and USAA also qualify as some of the more affordable Columbus, OH insurance companies.

As shown in the rates above, if you currently have coverage with Allied and switched to Utica National, you could earn a yearly price reduction of around $41. Customers with Erie may save as much as $52 a year, and Frankenmuth policyholders might lower prices by $66 a year.

These policy prices are averages across all drivers and vehicles and and are not figured with an exact zip code location for business use. So the auto insurance company that has the lowest price for you may not even be in the top 33 companies shown above. That underscores the importance of why you need to compare rates from multiple companies using your own specific driver and vehicle information.

For using your car for business, one of the largest criteria that are used to help calculate insurance cost is the neighborhood you call home in Columbus. Larger areas tend to pay more, whereas areas that tend to be more rural benefit from lower coverage costs.

The next table ranks the priciest cities in Ohio for business use to purchase car insurance in. Columbus is listed at #5 with a yearly premium of $1,211 for the average insured, which is approximately $101 each month.

How much is auto insurance in Columbus, OH?
Rank City Annual Premium
1 Toledo $1,267
2 Youngstown $1,247
3 Cleveland $1,235
4 Cleveland Heights $1,214
5 Columbus $1,211
6 Cincinnati $1,210
7 Dayton $1,154
8 Euclid $1,140
9 Akron $1,135
10 Hamilton $1,135
11 Fairfield $1,095
12 Newark $1,085
13 Springfield $1,072
14 Middletown $1,066
15 Lakewood $1,063
16 Canton $1,058
17 Kettering $1,040
18 Cuyahoga Falls $1,037
19 Beavercreek $1,027
20 Parma $1,007
21 Strongsville $1,001
22 Mansfield $992
23 Mentor $988
24 Lorain $975
25 Elyria $965
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Annual rates are approximated as specific Columbus zip code can lower or raise prices substantially.

Accidents and violations increase rates

The recommended way to maintain good car insurance prices in Columbus for using your car for business is to be a cautious driver and not have accidents or get tickets. The illustration below shows how violations and accidents drive up auto insurance costs for different insured age categories. The premium estimates are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

In the chart above, the average cost of an auto insurance policy in Columbus per year with a clean driving record and no accidents is $1,493. Receive one speeding ticket and the average cost hikes up to $1,714, an increase of $221 each year. Next add one accident along with the one speeding ticket and the annual cost of car insurance for business use jumps again to an average of $2,345. That’s an increase of $852, or $71 per month, just for a couple of infractions!

How to find a good Columbus car insurance company

Finding a high-quality car insurance company can be rather challenging considering how many companies there are in Ohio. The company ratings displayed below could help you analyze which providers to look at putting your business with.

These ratings only include major nationwide insurance companies, so companies without a large exposure are not taken into consideration for this list. To compare price quotes from these top insurers and more, simply click here.

Top Car Insurance Companies for Business Use in Columbus, OH
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
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

Here’s why you should shop around

Ohio car insurance rates are based on many factors that may substantially change the policy price. Simply having another birthday, buying a new vehicle, or getting a DUI may cause policy rate changes that can cause some rates to be cheaper than competitors. Additionally, auto insurance companies modify rates at least once a year to adjust for heavy claims or excess profits. Heavier than normal losses can result in higher rates, while a lower level of claims may produce more affordable Columbus car insurance rates.

To illustrate this point, the graph below shows the company with the cheapest car insurance in Columbus, OH for a 30-year-old female driver with no accidents, a clean driving record, and solid credit. If we estimate prices based on her current risk profile, Utica National may have the lowest car insurance rates in Columbus at $762 a year. This is $278 less than the average premium paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers are the remainder of the top five cheapest Columbus, OH auto insurance companies.

Let’s now give the driver in the first example a chargeable accident, poor credit, and a speeding citation. Since each company has a unique approach for filing rates in each state, analyzing rates may now show a different set of the cheapest car insurance companies in Columbus as shown below.

Cincinnati Insurance now has the best price on car insurance in Columbus with Merchants Insurance Group, General Casualty, Motorists Mutual, and Grange Mutual also having competitive pricing. This example demonstrates why consumers need to compare lots of rates to get the most economical auto insurance quotes for business use.

Insurance rates are made up of many things and change frequently, so the most affordable company a year ago may now be priced much higher than other options.

How to find budget-friendly car insurance for business use

Lowering your rates is not difficult, and here are a few thrifty ideas that can help drivers get cheap auto insurance.

The last suggestion is extraordinarily crucial, as we hit on in this write-up. Insurance rates fluctuate constantly, so drivers shouldn’t be resistant to buy from a new company if a more affordable price is available.

Sticking with a specific company is fine, but it isn’t a good idea if that inflexibility results in costing you lots of hard earned cash every month. It only take a few minutes to shop around to find cheaper auto insurance for business use in Columbus.