How Much are Auto Insurance Quotes for Teenage Males in Columbus?

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.

How much is car insurance in Columbus?
Rank City Average Per Year
1 Youngstown $1,273
2 Toledo $1,267
3 Cincinnati $1,222
4 Cleveland $1,222
5 Columbus $1,199
6 Cleveland Heights $1,166
7 Euclid $1,164
8 Akron $1,157
9 Dayton $1,120
10 Hamilton $1,113
11 Springfield $1,105
12 Newark $1,095
13 Fairfield $1,085
14 Lakewood $1,073
15 Canton $1,069
16 Middletown $1,066
17 Beavercreek $1,047
18 Kettering $1,040
19 Strongsville $1,031
20 Mentor $1,018
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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.

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Cheapest Ohio auto insurance companies
Rank Company Cost Per Year
1 Utica National $628
2 Erie $667
3 Allied $676
4 Frankenmuth $680
5 Travelers $705
6 USAA $711
7 Cincinnati Insurance $756
8 Merchants Insurance Group $778
9 Grange Mutual $812
10 Motorists Mutual $816
11 General Casualty $829
12 Central Mutual $848
13 Hastings Mutual $866
14 State Farm $894
15 Westfield $936
16 Atlantic States $940
17 Western Reserve $941
18 Auto-Owners $988
19 Progressive $991
20 Farmers $995
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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.

Cheapest Vehicles to Insure in Columbus, OH
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLT 2WD $4,705
Honda CR-V EX 2WD $4,711
Toyota Prius $5,112
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

  1. Progressive
  2. Travelers
  3. Liberty Mutual
  4. Nationwide
  5. USAA
  6. GEICO
  7. AAA Insurance
  8. Safeco Insurance
  9. Esurance
  10. 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 #100Columbus, OH 43215(614) 461-7833

Pfeifer-Ornstein Insurance Agency
3291 E Main StColumbus, OH 43213(614) 235-7050

Nationwide Insurance: Sylvia A Garrett Insurance Agency Llc
1 W Nationwide BlvdColumbus, OH 43215(614) 249-2141

Putnam White Lewis Insurance Agency
4161 N High StColumbus, OH 43214(614) 267-1269

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

Find a Columbus, OH insurance agent near you

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.

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.