Who Has Affordable Car Insurance Rates for High Mileage Drivers in Columbus?

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.

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Cheapest insurance companies in Ohio
Rank Company Cost Per Year
1 Utica National $647
2 Erie $667
3 Allied $690
4 Frankenmuth $708
5 Travelers $733
6 USAA $741
7 Merchants Insurance Group $771
8 Cincinnati Insurance $772
9 Grange Mutual $812
10 General Casualty $813
11 Motorists Mutual $824
12 Central Mutual $848
13 Hastings Mutual $884
14 State Farm $894
15 Westfield $908
16 Atlantic States $940
17 Auto-Owners $958
18 Progressive $962
19 Western Reserve $970
20 Nationwide $988
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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.

Cheapest Vehicles to Insure in Columbus, OH
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
Toyota Prius $1,481
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

Discounts on auto insurance for high mileage driversCar 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.

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

  1. Progressive
  2. Travelers
  3. Liberty Mutual
  4. Nationwide
  5. USAA
  6. GEICO
  7. AAA Insurance
  8. Safeco Insurance
  9. Esurance
  10. 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.

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.

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