Determining which companies have the best auto insurance rates for high mileage drivers will involve a bit more effort than just comparing rates from one or two companies. Each insurer uses a little different formula for determining rates in each state, so let’s take a look at the auto insurance companies with the most affordable rates in Ohio.
Compare Cheap Insurance Quotes in Ohio
|Rank||Company||Cost Per Year|
|7||Merchants Insurance Group||$771|
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Utica National quotes some of the best car insurance rates in Columbus at around $647 a year. This is $393 less than the average price paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers also make the cut as some of the cheaper Columbus, OH insurance companies.
As shown in the table above, if you are currently insured with Allied and switched to Utica National, you could earn an annual savings of about $43. Customers with Frankenmuth might save as much as $61 a year, and Travelers insureds might lower prices by $86 a year.
Remember that these policy prices are averaged for all types of drivers and the different vehicles they drive and do not take into consideration an exact vehicle garaging location for high mileage drivers. So the auto insurance company that is best suited for you may not even be in the top 33 companies in the list above. That underscores the importance of why you need to get car insurance quotes using your own driver information and specific vehicle type.
The vehicle model you are insuring is probably the largest consideration when comparing cheaper auto insurance for high mileage drivers. Vehicles with average performance, good safety features, or low incidents of liability claims will cost substantially less to insure than fast, unsafe models.
The table below presents auto insurance rates for some of the most economical vehicles to buy coverage for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$1,184|
|Honda Accord LX 4-Dr Sedan||$1,193|
|Volkswagen Jetta S 2.5 Station Wagon||$1,287|
|Ford Escape XLS 2WD||$1,336|
|Toyota Camry LE||$1,403|
|Ford Edge SE 2WD||$1,422|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$1,429|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$1,442|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,479|
|Hyundai Elantra SE 4-Dr Sedan||$1,485|
|Honda Odyssey EX-L W/Navigation||$1,479|
|Hyundai Sonata GLS 4-Dr Sedan||$1,501|
|Chevrolet Silverado 2500HD LT Crew Cab 4WD||$1,505|
|Ford Fusion S 4-Dr Sedan||$1,535|
|Toyota RAV4 2WD||$1,541|
|Chevrolet Equinox LS AWD||$1,535|
|Dodge Grand Caravan Hero||$1,577|
|Ford F-150 Lariat Super Cab 4WD||$1,613|
|Ford Explorer Limited 2WD||$1,621|
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Table data does not factor in specific garaging location which can change insurance rates considerably.
Looking at the rates, cars like the Honda CR-V, Honda Accord, and Volkswagen Jetta should be some of the most affordable vehicles to insure for high mileage drivers.
Get discounts on Columbus auto insurance rates
Car insurance companies that offer cheap quotes for high mileage drivers may have price discounts that could reduce prices by as much as 40% or more if you qualify for them. Companies and some of the premium reductions they offer are included below.
- Progressive has discounts for online signing, good student, online quote discount, multi-vehicle, and homeowner.
- Farmers Insurance discounts include distant student, electronic funds transfer, switch companies, homeowner, good student, and pay in full.
- Farm Bureau offers discounts including 55 and retired, driver training, youthful driver, good student, and renewal discount.
- State Farm may offer discounts for good student, driver’s education, Drive Safe & Save, multiple policy, passive restraint, and good driver.
- GEICO offers premium reductions for federal employee, five-year accident-free, anti-lock brakes, multi-policy, multi-vehicle, daytime running lights, and anti-theft.
- SAFECO includes discounts for multi-car, homeowner, bundle discounts, teen safe driver, drive less, and accident prevention training.
- Liberty Mutual has savings for new move discount, exclusive group savings, good student, newly married, newly retired, and preferred payment discount.
The diagram below illustrates the comparison of insurance prices with and without discounts applied to the premium. The prices are based on a male driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with multiple vehicle, vehicle safety, safe-driver, defensive driving course, accident-free, and multiple policy discounts applied. When these discounts are applied to the policy premium, theaverage amount saved on auto insurance for high mileage drivers is 28% or $264.
Best auto insurance company in Ohio
Selecting a highly-rated company can be challenging considering how many companies are available to choose from in Ohio. The company information below could help you choose which car insurance companies you want to consider comparing rate quotes with. These ratings are for companies with a national presence, so companies with more of a regional focus are not taken into consideration for this list.
Top 10 Large Auto Insurance Providers in Columbus Ranked by Claims Service
- Liberty Mutual
- AAA Insurance
- Safeco Insurance
- The General
How to find economical auto insurance for high mileage drivers
The list below details many money-saving suggestions that can help you quote more affordable auto insurance.
- At-fault accidents can raise rates significantly
- Older vehicles may not need full coverage
- Do not get traffic tickets
- Buy vehicles with five-star safety ratings
- Higher credit scores may earn you cheaper rates
- Raise comprehensive and collision coverage deductibles
- Compare quotes from other companies often
The final tip is incredibly critical, as was discussed in this write-up. Auto insurance prices in Columbus change a lot, so don’t hesitate to switch to a new company if a lower price can be found.
Sticking with a specific company is fine, but it isn’t a good idea if that stubbornness costs you major coinage every year. Take a couple minutes and compare rates to find cheaper car insurance for high mileage drivers.
The agents listed below can most likely aid you in deciding which is the best policy, since lots of people like to get some professional input when shopping for cheaper insurance for high mileage drivers. It can be complicated to find the cheapest rates, and a licensed agent can give comfort knowing your coverage gives you enough coverage when you need it. To locate a Columbus auto insurance agent in your neighborhood, click the button following the list or click here to compare price quotes now.
- Russell A Popp – State Farm Insurance Agent
2844 Johnstown Rd – Columbus, OH 43219 – (614) 471-5557
- IHT Insurance Agency Group LLC
655 Metro Pl S Suite 330 – Dublin, OH 43017 – (614) 761-2825
- Howard Tyler – State Farm Insurance Agent
1395 E Dublin Granville Rd #201 – Columbus, OH 43229 – (614) 431-8192
- Gardiner Allen DeRoberts Insurance LLC
777 Goodale Blvd – Columbus, OH 43212 – (614) 221-1500