For teen boys, one of the largest things that aid in calculating the amount you pay each year for auto insurance is the neighborhood you call home in Columbus. Areas with more people or even just a higher incidence of claims tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from having to pay less for coverage.
The table below sorts the most expensive areas in Ohio for teenage males to purchase car insurance in. Columbus is listed at #5 with an annual cost of $1,199 for the average insurance policy, which is about $100 each month.
|Rank||City||Average Per Year|
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Prices are comparative as the specific Columbus residence address can modify prices considerably.
Trying to buy low-cost auto insurance is easier said than done, and figuring out which companies quote the cheapest insurance rates for teenage males involves even more rate comparisons. Every car insurance company has their own process for determining rates, so first we will examine the insurance companies with the most affordable rates in Columbus.
It’s a good idea to know that Columbus, OH insurance rates are based on many factors which can substantially change the cost of a policy. Turning one year older, buying a safer car, or having an accident may prompt premium changes resulting in some companies being affordable when they were higher priced.
Find Cheaper Car Insurance for Teens
|Rank||Company||Cost Per Year|
|8||Merchants Insurance Group||$778|
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Utica National may offer some of the most affordable car insurance rates in Columbus at around $628 per year. This is $412 less than the average premium paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers also rank well as some of the cheapest Columbus, OH auto insurance companies.
As the rates illustrate above, if you currently have coverage with Frankenmuth and switched to Erie, you could realize annual savings of in the neighborhood of $13. Drivers with Travelers could save as much as $38 a year, and USAA insureds might lower prices by up to $44 a year.
It’s important to note that these policy prices are averages across all drivers and vehicles and and are not figured with an exact vehicle garaging location for teenage males. So the company that fits you best may not even be in the top 33 companies in the list above. That’s why you need to get car insurance quotes using your own driver and vehicle profiles.
The car, truck, or SUV you are insuring is a significant factor when trying to find the most economical coverage for teenage males. Vehicles with higher performance characteristics, poor safety features, or high incidents of liability claims will cost quite a bit more to insure than safer models. The table below features coverage premiums for a handful of the most cost-effective automobiles to buy insurance for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$4,705|
|Honda CR-V EX 2WD||$4,711|
|Ford Explorer XLT AWD||$5,275|
|Toyota Tacoma 4WD||$5,280|
|Ford F-150 XLT Crew Cab 2WD||$5,275|
|Ford Focus S 4-Dr Sedan||$5,533|
|Chevrolet Impala LS||$5,540|
|Honda Odyssey EX||$5,533|
|Toyota RAV4 4WD||$5,582|
|GMC Sierra SLE Crew Cab 2WD||$5,587|
|Chevrolet Malibu LS||$5,582|
|Toyota Camry LE||$5,589|
|Chevrolet Equinox LS 2WD||$5,582|
|Dodge Grand Caravan SXT||$5,633|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$5,640|
|Toyota Corolla XLE||$5,888|
|Ford Edge Sport AWD||$5,897|
|Hyundai Elantra SE 4-Dr Sedan||$5,888|
|Ford Fusion SE 4-Dr Sedan||$5,939|
|Volkswagen Jetta SEL 4-Dr Sedan||$5,949|
|Jeep Grand Cherokee SRT-8 4WD||$5,939|
|GMC Sierra 3500HD SLE Extended Cab 2WD||$5,988|
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Prices based on single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in specific zip code location which can increase or decrease price quotes significantly.
Looking at the rates, you can infer that models like the Ford Escape, Honda CR-V, Toyota Prius, and Ford Explorer should be the cheaper vehicles to insure for teen boys. Rates will tend to be more expensive just because there is more inherent risk for teenage males, but in general those particular vehicles will tend to have the best insurance prices possible.
Choosing the top insurance provider can be a challenge considering how many different companies insure vehicles in Columbus. The ranking data displayed below could help you decide which auto insurers you want to consider when comparing rates. The ratings below are for large insurance companies, so smaller companies are not taken into consideration for these rankings.
Top 10 Large Auto Insurance Companies in Columbus Ranked by Claims Service
- Liberty Mutual
- AAA Insurance
- Safeco Insurance
- The General
The illustration below demonstrates how deductible levels can increase or decrease yearly insurance costs when searching for cheap insurance for teenage males. The prices are based on a married female driver, full physical damage coverage, and no discounts are factored in.
The data above shows that a 30-year-old driver could lower their policy premium by $242 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $366 by using a $1,000 deductible. Younger drivers, like the age 20 example, could drop their prices as much as $516 or even more by choosing a larger deductible amount. When raising deductibles, it will now be necessary to have enough savings set aside to enable you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
The importance of shopping around
Columbus insurance rates are influenced by many factors which can significantly increase or decrease the price you have to pay. Improving your credit score, moving to a new city, or getting caught speeding may prompt premium changes resulting in some rates now being cheaper than before.
Not only that, but auto insurance companies change their prices without warning in order to maintain liquidity for claims. Larger than normal claims may result in a rate increase, while a better claims history may produce more affordable Columbus car insurance rates.
To illustrate this point, the data below shows the companies that have the cheapest car insurance in Columbus, OH for a 35-year-old female driver with no violations or accidents, and a high credit rating. If we look at prices based on her current risk factors, Utica National may have the most affordable car insurance rates in Columbus at $796 annually. This is $244 less than the average price paid by Ohio drivers of $1,040. Allied, Erie, Frankenmuth, and USAA round out the rest of the cheapest Columbus, OH auto insurance companies.
Let’s now give the driver from the first set of rates a chargeable claim, less-than-perfect credit, and a speeding citation. Because each company has a proprietary method to set their prices, comparing prices could result in a slightly different list of affordable Columbus car insurance companies as shown below.
Cincinnati Insurance now has the lowest price on auto insurance in Columbus with Merchants Insurance Group, Motorists Mutual, General Casualty, and Grange Mutual completing the list. This demonstrates why consumers need to compare rates when trying to get the cheapest insurance quotes for teenage males.
Prices can be determined by many risk factors and change substantially, so the most economical company a year ago may now not even be in the top five.
If you like to have some advice when shopping for the best coverage for teenage males, the agents listed below are willing to aid you in deciding which insurance coverage will be best for you. To find an auto insurance agency closest to you, click the button link following the list or click here to compare rates now.
Jerry Doherty – State Farm Insurance Agent
21 W Broad St #100 – Columbus, OH 43215 – (614) 461-7833
Pfeifer-Ornstein Insurance Agency
3291 E Main St – Columbus, OH 43213 – (614) 235-7050
Nationwide Insurance: Sylvia A Garrett Insurance Agency Llc
1 W Nationwide Blvd – Columbus, OH 43215 – (614) 249-2141
Putnam White Lewis Insurance Agency
4161 N High St – Columbus, OH 43214 – (614) 267-1269
Gary Bepler – State Farm Insurance Agent
3246 Noe Bixby Rd – Columbus, OH 43232 – (614) 837-4379
How to find more affordable insurance for teenage males
The list below shows some thrifty ideas that can help Ohio drivers get cheaper auto insurance.
- Insure your home and auto with the same company
- Save money by staying claim-free
- Do not get tickets
- Buy vehicles with good safety ratings
- Avoid at-fault accidents and claims
- Comparison shop at least every other year
The last idea is incredibly significant, as was emphasized in the prior information. Coverage rates change constantly, so don’t be unwilling to switch carriers if you find a cheaper price.
Staying with the same car insurance company is fine, but is isn’t recommended if that devotion results in you overpaying major coinage every year. It only takes a couple minutes to compare prices to find cheaper insurance for teenage males in Columbus.