What Auto Insurance is Cheapest for Uber Drivers in Columbus?

This would be a much shorter article if we could tell you the single best company that has the cheapest rate quotes in Ohio. That is not the case, however, as there are a whole slew of unknown factors such as the safety features built into your vehicle, whether you are female or male, and whether you are single or married. This article will cover the best ways to find cheap car insurance and will hopefully give the reader a good beginning to your quest for cheaper car insurance in Columbus.

The vehicle driven is a large consideration when consumers are trying to find the lowest-priced coverage for Uber drivers. Vehicles with lots of horsepower, poor passenger safety features, or a history of substantial liability claims will cost significantly more to insure than more modest models.

The information below ranks auto insurance prices for some of the most affordable vehicles to insure in Ohio.

Cheapest Vehicles to Insure in Columbus, OH
Make and Model Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $1,284
Hyundai Elantra GLS Touring Station Wagon $1,294
Volkswagen Jetta S 2.5 Station Wagon $1,397
Honda CR-V LX 2WD $1,453
Ford Escape XLS 2WD $1,462
Ford Edge SE AWD $1,494
Toyota Prius $1,568
Dodge Grand Caravan SE $1,576
Ford F-150 STX Regular Cab 4WD $1,581
Jeep Wrangler Rubicon 4WD 2-Dr $1,576
Honda Odyssey EX-L W/Rear Entertainment $1,606
Chevrolet Silverado LTZ Extended Cab 4WD $1,635
Nissan Altima Hybrid 4-Dr Sedan $1,640
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Table data represents 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, claim-free, safe-driver, multi-policy, and homeowner. Rates do not factor in vehicle garaging location which can raise or lower premiums substantially.

By looking at the data, you can infer that models like the Honda Accord, Hyundai Elantra, Volkswagen Jetta, and Honda CR-V will definitely be a few of the most economical vehicles to insure for Uber vehicles.

For Uber vehicles, one of the more important components that are looked at to help calculate car insurance rates is where you live. Areas with high crime rates or more dense population tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates receive better rates.

The next table shows the highest-priced places in Ohio for Uber drivers to purchase auto insurance in. Columbus is listed at #4 with an annual cost of $1,247 for the average insurance policy, which is about $104 per month.

How much is auto insurance in Columbus, OH?
Rank City Annual Rate
1 Youngstown $1,273
2 Cleveland $1,272
3 Toledo $1,267
4 Columbus $1,247
5 Cleveland Heights $1,202
6 Euclid $1,175
7 Cincinnati $1,174
8 Hamilton $1,146
9 Akron $1,123
10 Dayton $1,120
11 Springfield $1,105
12 Canton $1,102
13 Fairfield $1,095
14 Newark $1,085
15 Middletown $1,055
16 Kettering $1,051
17 Lakewood $1,041
18 Strongsville $1,031
19 Parma $1,027
20 Beavercreek $1,016
21 Cuyahoga Falls $1,007
22 Elyria $1,005
23 Mansfield $1,002
24 Mentor $988
25 Lorain $985
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Rates are estimated as the specific zip code location can change auto insurance rates significantly.

Establishing which insurers offer the best insurance rates for Uber drivers will involve a bit more effort in order to find the most economical policy. Every car insurance company uses different criteria to set their prices, so we’ll take a look at the insurance companies with the most affordable rates in Columbus.

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Cheapest auto insurance in Ohio ranked by cost per year
Rank Company Cost Per Year
1 Utica National $628
2 Erie $667
3 Frankenmuth $680
4 Allied $690
5 USAA $733
6 Travelers $733
7 Merchants Insurance Group $755
8 Cincinnati Insurance $756
9 Motorists Mutual $792
10 Grange Mutual $812
11 General Casualty $829
12 Hastings Mutual $858
13 State Farm $858
14 Central Mutual $874
15 Atlantic States $904
16 Western Reserve $932
17 Westfield $936
18 Auto-Owners $958
19 Progressive $991
20 Farmers $995
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Utica National has some of the lowest car insurance rates in Columbus at around $628 each year. This is $412 less than the average policy premium paid by Ohio drivers of $1,040. Erie, Frankenmuth, Allied, and USAA also are some of the cheapest Columbus, OH car insurance companies.

As shown in the rates above, if you are a customer of USAA and switched to Erie, you might realize a yearly price reduction of upwards of $66. Drivers with Travelers could save as much as $66 a year, and Merchants Insurance Group insureds might lower prices by up to $88 a year.

To compare your rates to other Ohio insurance companies, click here to get a free quote or visit any of the low-priced companies below.

Bear in mind that those premiums are averaged for all types of drivers and the different vehicles they drive and are not factoring in an exact location for Uber drivers. So the auto insurance company that has the cheapest rates for you may not even be in the top 33 companies in the list above. That emphasizes why you need to get quotes using your own individual information.

The chart below demonstrates how choosing different deductibles can raise or lower insurance costs when quoting cheap insurance for Uber drivers. The premium estimates are based on a married female driver, full physical damage coverage, and no policy discounts are applied.

The data above shows that a 30-year-old driver could reduce rates by $178 a year by switching from a $100 deductible up to a $500 deductible, or save $272 by using a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, can save up to $384 every year just by choosing higher deductibles. When raising deductibles, it will now be necessary to have plenty of money set aside to be able to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

Impact of careless driving on Columbus insurance rates

One of the best ways to snag the most affordable insurance prices in Columbus for Uber vehicles is to drive attentively and not get tickets or have accidents. The example below demonstrates how traffic citations and at-fault fender-benders can influence auto insurance rates for different age groups. The premiums assume a single female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.

In the previous chart, the average cost of an auto insurance policy in Columbus per year with no violations or accidents is $1,221. Factor in two speeding tickets and the average cost swells to $1,624, an increase of $403 each year. Then include one accident along with the two speeding tickets and the 12-month cost of insurance for Uber drivers increases to an average of $2,041. That’s an increase of $820, or $68 per month, just for not driving responsibly!

Why are you paying too much for car insurance?

Columbus insurance rates are determined by lots of factors that control the price you have to pay. Simply getting older, buying a new vehicle, or getting a couple of tickets can produce rate changes that can make some companies cheaper in comparison to the competition. Not only that, but auto insurance companies change rates without warning in order to remain profitable. Higher than normal claims can cause additional price hikes, while less frequent claims may result in cheaper Columbus car insurance rates.

To illustrate this point, the graph below shows a variety of companies that have the cheapest car insurance in Columbus, OH for a 35-year-old male driver with no prior claims, no tickets, and excellent credit. When comparing rates based on his current risk factors, Utica National may offer the lowest car insurance rates in Columbus at $803 per year. This is $237 less than the average price paid by Ohio drivers of $1,040. Frankenmuth, Erie, Allied, and USAA are the rest of the most affordable Columbus, OH auto insurance companies.

The example below compares rates after we give the driver from the above example a chargeable accident, a little lower credit rating, and a blemish on his driving record. Since each auto insurer uses their own calculation to set policy rates, comparing insurance quotes may now present a substantially altered list of affordable Columbus car insurance companies as shown below.

Cincinnati Insurance now has the best insurance rate in Columbus, OH with Merchants Insurance Group, Motorists Mutual, Grange Mutual, and General Casualty also being competitive. This demonstrates why consumers need to shop around to get affordable car insurance rates for Uber drivers.

Auto insurance prices consist of many factors and change substantially, so the best company three years ago may now be quite expensive.