Who Has Affordable Car Insurance Rates for Government Employees in Columbus?

Wouldn’t it be nice if we could instantly tell you the one best company that has the cheapest policy rates for government employees? Regrettably, it’s not quite that easy, as there are a ton of unknown factors like what physical damage coverage deductibles you want, if you have ever let your policy lapse, and if you are a homeowner, that all have an effect on the price of a policy. If you keep reading, we will teach you about some of these things and will hopefully give you some help in finding cheaper rates.

Finding good, reasonably-priced car insurance is not the easiest thing to accomplish, and deciding which company has the best insurance rates for government employees will take a bit more work.

Every insurance company uses their own method for determining prices, so first we will examine the insurance companies with the overall best prices in Columbus. Keep in mind that Ohio insurance rates are calculated based on many things which can substantially change the policy price. That is why drivers need to do a thorough rate comparison to get affordable auto insurance quotes for government employees. Car insurance prices are impacted by many different factors and can increase or decrease at any time, so the lowest-price company a year ago may now be quite expensive.

Best Auto Insurance Prices in Ohio

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Cheapest auto insurance in Ohio ranked by cost per year
Rank Company Cost Per Year
1 Utica National $647
2 Erie $661
3 Allied $669
4 Frankenmuth $680
5 USAA $711
6 Travelers $712
7 Merchants Insurance Group $748
8 Cincinnati Insurance $749
9 Grange Mutual $812
10 Motorists Mutual $816
11 General Casualty $837
12 Central Mutual $848
13 State Farm $858
14 Hastings Mutual $866
15 Westfield $908
16 Atlantic States $940
17 Progressive $962
18 Western Reserve $970
19 Auto-Owners $988
20 Farmers $995
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Utica National generally has some of the lowest car insurance rates in Columbus at around $647 each year. Erie, Allied, Frankenmuth, and USAA are also some of the cheaper Columbus, OH insurance companies.

As shown above, if you buy coverage from Allied and switched to Utica National, you could see savings of upwards of $22. Policyholders with Frankenmuth may save as much as $33 a year, and USAA insureds might lower prices by $64 a year.

To discover how much you can save, click here to start your custom quote or quote rates from the companies below.

Remember that these prices are averaged across all types of drivers and the different vehicles they drive and do not factor in an exact vehicle garaging location for government employees. So the insurer that can offer you the lowest price may not even be in the list above. That is why you need to compare rates from multiple companies using your own driver and vehicle profiles.

The vehicle you are seeking coverage for is one of the biggest factors when comparison shopping for cheap car insurance for government employees. Vehicles with economical engines, an excellent safety record, or a positive history of liability claims will cost much less to insure than high performance models. The next table ranks auto insurance costs for a selection of the most economical vehicles to buy insurance for.

Cheapest Vehicles to Insure in Columbus, OH
Make and Model Estimated Cost for Full Coverage
Ford Edge SE 2WD $1,331
Dodge Grand Caravan CV $1,358
Honda CR-V EX-L 2WD $1,360
Ford Escape Limited 2WD $1,408
Ford Explorer Limited 2WD $1,462
Toyota Camry XLE $1,512
Toyota Corolla S $1,520
Toyota Prius $1,517
Jeep Grand Cherokee Limited 4WD $1,539
Chevrolet Equinox LS 2WD $1,571
Toyota RAV4 Limited 2WD $1,576
Honda Odyssey EX $1,581
Chevrolet Impala LS $1,587
Dodge Ram Quad Cab ST 2WD $1,599
Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD $1,643
Chevrolet Malibu LT $1,653
Hyundai Elantra Blue 4-Dr Sedan $1,656
Volkswagen Jetta 2.0T 4-Dr Sedan $1,691
GMC Sierra SLE Regular Cab 4WD $1,697
Nissan Altima Hybrid 4-Dr Sedan $1,691
Toyota Tacoma X-Runner 2WD $1,693
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $1,698
Chevrolet Silverado LS Crew Cab 4WD $1,728
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Prices do not factor in garaging location in Columbus, OH which can alter prices noticeably.

Based upon these rates, we can tell that cars like the Ford Edge, Dodge Grand Caravan, Honda CR-V, Ford Escape, and Ford Explorer should be some of the most economical vehicles to insure for state and federal workers.

How to get discounts on Columbus insurance

Save on insurance for state and federal workers in ColumbusInsurance companies that provide policies for government employees may also offer premium discounts that could reduce prices by 25% or more if you meet certain criteria. A list of insurance companies and some of the premium reductions they offer are outlined below.

The illustration below illustrates the comparison of auto insurance costs with and without discounts applied to the policy premium. The price estimates are based on a female driver, no claims or driving violations, Ohio state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, multiple vehicle, anti-theft, multiple policy, vehicle safety, and safe-driver discounts applied. When drivers qualify for the discounts, the average savings per year on insurance for government employees is 28% or $421.

Impact of violations and accidents on rates

In a perfect world, the best way to score cheap insurance premiums for state and federal workers is to drive attentively and maintain a clean driving record. The example below illustrates how speeding tickets and at-fault fender-benders can impact insurance prices for each age group. The premiums assume a single male driver, comp and collision included, $100 deductibles, and no policy discounts are applied.

The data in the chart shows the average cost of an auto insurance policy in Columbus per year with no accidents or violations is $1,308. Get written up for one speeding ticket and the average cost hikes up to $1,473, an increase of $165 each year. Then add one accident along with the one speeding ticket and the 12-month cost of insurance for government employees jumps again to an average of $1,935. That’s an increase of $627, or $52 per month, just for not being attentive to the road!

Ideas for buying cheaper insurance for government employees

It’s not impossible to find cheaper rates, and here are a few thrifty ideas that can help you quote cheaper coverage.

The last tip in the list is incredibly necessary, as we discussed in the article above. Coverage rates change constantly, so drivers shouldn’t hesitate to change to a new company if a more affordable price is available. Being loyal to a particular company is commendable, but it’s not a great idea if that loyalty ends up costing money that could be spent on other things. If you have a few minutes, now is a great time to compare prices and find cheaper car insurance for government employees in Columbus.

The Columbus, OH, insurance agents below can most likely help you decide which policy is best, since some people have coverage questions and would like to have a professional recommendation when comparing insurance rates for state and federal workers. It can be time-consuming to find the best rates on your own, and insurance agents licensed in the state of Ohio can provide you peace of mind knowing you have adequate coverage when you need it most. To find an agent close to where you live, click the button after the list.

John Dawson Associates
6025 Cleveland AveColumbus, OH 43231(614) 890-1660

Gary Bepler – State Farm Insurance Agent
3246 Noe Bixby RdColumbus, OH 43232(614) 837-4379

Gianna R Cone – State Farm Insurance Agent
1495 Morse Rd #100Columbus, OH 43229(614) 267-7865

Russell A Popp – State Farm Insurance Agent
2844 Johnstown RdColumbus, OH 43219(614) 471-5557

View map of Columbus, OH insurance agents