The vehicle model to be insured is one of the primary factors when quoting the best coverage for good drivers. Vehicles with average performance, a great safety record, or a track record of few liability claims will cost significantly less to insure than adrenaline junky models. The table below presents coverage premiums for the most affordable vehicles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,107 |
| Toyota Prius | $1,124 |
| Dodge Grand Caravan SE | $1,139 |
| Honda CR-V EX 4WD | $1,163 |
| Chevrolet Impala LT | $1,200 |
| Chevrolet Malibu LT | $1,222 |
| Toyota Tacoma 4WD | $1,269 |
| Ford F-150 XLT Super Cab 2WD | $1,279 |
| Ford Edge Limited 2WD | $1,281 |
| Nissan Rogue S 2WD | $1,286 |
| Volkswagen Jetta SEL 4-Dr Sedan | $1,294 |
| Jeep Wrangler Unlimited Sahara 4WD 4-Dr | $1,306 |
| GMC Sierra SLE Regular Cab 2WD | $1,308 |
| Honda Odyssey EX | $1,311 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $1,321 |
| Start Your Quote Go | |
Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in specific garaging location which can affect coverage prices significantly.
Looking at the numbers, we can infer that vehicles like the Ford Escape, Toyota Prius, Dodge Grand Caravan, Honda CR-V, and Chevrolet Impala will definitely be a few of the most economical vehicles to insure for safe drivers.
One of the many considerations that are looked at to help calculate the amount you pay each year for auto insurance is where you normally keep your vehicle in Columbus. Areas with more people or more claims tend to have more expensive car insurance rates, whereas areas with less congestion have the luxury of cheap car insurance rates.
The table below lists the most expensive areas in Ohio for good drivers to buy an auto insurance policy in. Columbus is listed at #4 with the yearly price of $1,199 for the average policyholder, which is around $100 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Youngstown | $1,247 |
| 2 | Toledo | $1,241 |
| 3 | Cleveland | $1,235 |
| 4 | Columbus | $1,199 |
| 5 | Euclid | $1,175 |
| 6 | Cincinnati | $1,174 |
| 7 | Akron | $1,169 |
| 8 | Cleveland Heights | $1,166 |
| 9 | Dayton | $1,154 |
| 10 | Hamilton | $1,135 |
| 11 | Springfield | $1,094 |
| 12 | Lakewood | $1,073 |
| 13 | Canton | $1,069 |
| 14 | Fairfield | $1,063 |
| 15 | Middletown | $1,055 |
| 16 | Newark | $1,053 |
| 17 | Parma | $1,027 |
| 18 | Beavercreek | $1,027 |
| 19 | Kettering | $1,020 |
| 20 | Mentor | $1,018 |
| 21 | Strongsville | $1,011 |
| 22 | Cuyahoga Falls | $1,007 |
| 23 | Mansfield | $1,002 |
| 24 | Lorain | $975 |
| 25 | Elyria | $965 |
| Quote Best Rates Go | ||
Price information shown is approximated as the specific Columbus residence address can affect insurance rates substantially.
Finding good, budget insurance is not always easy, and figuring out which company quotes the best auto insurance rates for good drivers involves even more shopping around. Every insurance company has a unique approach for determining rates, so let’s take a look at the lowest cost auto insurance companies in Columbus, OH.
Compare Cheap Insurance Quotes for Good Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $628 |
| 2 | Frankenmuth | $680 |
| 3 | Erie | $687 |
| 4 | Allied | $690 |
| 5 | USAA | $719 |
| 6 | Travelers | $733 |
| 7 | Cincinnati Insurance | $749 |
| 8 | Merchants Insurance Group | $755 |
| 9 | Motorists Mutual | $800 |
| 10 | Grange Mutual | $836 |
| 11 | General Casualty | $837 |
| 12 | Central Mutual | $848 |
| 13 | Hastings Mutual | $858 |
| 14 | State Farm | $894 |
| 15 | Atlantic States | $904 |
| 16 | Westfield | $918 |
| 17 | Western Reserve | $961 |
| 18 | Auto-Owners | $988 |
| 19 | Progressive | $991 |
| 20 | Nationwide | $1,028 |
| Find Cheaper Rates Go | ||
Utica National offers some of the most affordable car insurance rates in Columbus at around $628 annually. This is $412 less than the average rate paid by Ohio drivers of $1,040. Frankenmuth, Erie, Allied, and USAA also are some of the lowest-priced Columbus, OH auto insurance companies.
In the rate table above, if you are a customer of Allied and switched to Utica National, you may realize an annual premium reduction of upwards of $62. Policyholders with USAA might save as much as $91 a year, and Travelers insureds might see rate reductions of $105 a year.
If you want to see how much you could save, click here to start a quote or feel free to get quotes from the companies below.
Remember that these rates are averaged across all ages of drivers and types of vehicles and and are not calculated with a specific zip code for good drivers. So the auto insurance company that fits your situation best may not even be in the top 33 companies shown above. That is why you need to get car insurance quotes using your own driver and vehicle profiles.
Get discounts on Columbus car insurance rates
Insurance providers that offer coverage for good drivers may provide special discounts that can lower rates by as much as 40% or more if you are eligible. A list of auto insurance companies and a partial list of their discounts include:
- GEICO may have discounts that include anti-lock brakes, driver training, good student, defensive driver, and multi-policy.
- Mercury Insurance policyholders can earn discounts including low natural disaster claims, age of vehicle, good student, type of vehicle, and annual mileage.
- Farmers Insurance offers discounts for bundle discounts, youthful driver, teen driver, distant student, multi-car, and electronic funds transfer.
- Auto-Owners Insurance discounts include safe driver, multi-policy, mature driver, air bags, and teen driver.
- Liberty Mutual may include discounts for newly married, multi-policy, hybrid vehicle, new move discount, multi-car, and safety features.
- SAFECO may offer discounts for bundle discounts, safe driver, teen safe driver, teen safety rewards, anti-theft, and multi-car.
- Progressive includes discounts for continuous coverage, multi-policy, good student, online quote discount, and homeowner.
- USAA has discounts for safe driver, driver training, defensive driver, multi-policy, and military installation.
The illustration below shows the difference between auto insurance costs with and without policy discounts. The prices are based on a male driver, a clean driving record, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with passive restraint, multiple vehicle, multiple policy, anti-theft, marriage, and homeowner discounts applied. When discounts are factored in, theaverage amount saved on auto insurance for good drivers is 27% or $328.
Safe drivers Columbus pay cheaper rates
One of the best ways to earn the best auto insurance premiums in Columbus for safe drivers is to drive carefully and avoid traffic citations and accidents. The illustration below shows how violations and at-fault accidents can affect insurance premiums for each age group. The price estimates are based on a married male driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
In the example above, the average cost of a car insurance policy in Columbus per year with no accidents or violations is $921. Get written up for one speeding ticket and the average cost increases to $1,057, an increase of $136 each year. Then throw in one accident along with the one speeding ticket and the annual cost of auto insurance for good drivers jumps again to an average of $1,435. That’s an increase of $514, or $43 per month, just for a couple of infractions!
The information below shows how choosing a deductible can affect insurance prices when getting quotes for cheap insurance for good drivers. The costs are based on a single male driver, full coverage, and no additional discounts are factored in.
A 30-year-old driver could lower their car insurance rates by $210 a year by increasing from a $100 deductible up to a $500 deductible, or save $318 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 chart data, can cut up to $612 or more just by choosing higher deductibles when buying full coverage.
If you do decide to increase your deductibles, it is necessary to have emergency funds available to be able to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
How to find budget-friendly auto insurance for good drivers
Below you’ll find a few money-saving suggestions that can help drivers find more affordable car insurance.
- Be a safe driver
- Raise deductibles
- Vehicles with safetly features generally cost less to insure
- Clean up your credit rating
- Avoid preventable accidents
- Shop around for cheaper prices often
The last tip is especially necessary, as was noted in the prior article. Auto insurance rates in Columbus adjust often, so don’t be afraid to change insurance companies if a cheaper rate is available.
Many drivers tend to have loyalty to a certain company, but it’s not a great idea if that stubbornness costs you thousands of dollars over the life of your policy. In just a couple of minutes you could shop around to find cheaper auto insurance for good drivers.