How Much are Car Insurance Quotes for 16 Year Olds in Columbus?

The words “low-cost” and “insurance” probably shouldn’t be used in the same sentence, especially when trying to find the best insurance rates for 16 year olds. Because of the high cost, let’s lead off by showing you a few of the things that significantly impact insurance prices, and see if you can lower the price of the next policy you buy.

The vehicle model that needs insurance is probably the most important factor when shopping for economical coverage for 16 year olds. Vehicles with lots of horsepower, a lack of safety features, or an increased likelihood of liability claims will cost significantly more to insure than safer models. The next table shows car insurance rates for some of the most budget-friendly automobiles to buy coverage for.

Cheapest Vehicles to Insure in Columbus, OH
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLT 4WD $5,761
Honda CR-V EX 4WD $5,767
Toyota Prius $6,167
Ford F-150 XL Crew Cab 2WD $6,413
Ford Explorer XLT 2WD $6,420
Ford Edge SEL 2WD $6,709
Toyota Camry LE $6,763
Nissan Altima 2.5 4-Dr Sedan $6,768
Jeep Grand Cherokee Laredo 2WD $6,763
Chevrolet Impala LT $6,771
Toyota RAV4 Limited 2WD $6,763
Chevrolet Silverado LT Extended Cab 4WD $6,772
Dodge Grand Caravan SXT $6,819
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Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in Columbus, OH location which can lower or raise prices significantly.

Based upon the table data, you can infer that vehicles like the Ford Escape, Honda CR-V, and Toyota Prius are most likely going to be some of the most affordable vehicles to insure for new drivers. Car insurance rates will be more expensive just because there is more claim risk for 16 year olds, but overall those particular models will tend to have the cheapest auto insurance rates compared to all other vehicles.

Deciphering which companies offer the lowest-priced auto insurance rates for 16 year olds will take more time in order to find a policy that fits your budget. Every insurance provider has a proprietary method to establish rates, so let’s take a look at the auto insurance companies with the overall cheapest rates in Ohio.

It’s important to understand that Columbus, OH auto insurance rates are impacted by many things that will increase or decrease the price you have to pay. Turning one year older, getting divorced, or having a fender bender may generate price changes resulting in some rates now being cheaper in comparison to the competition.

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Ohio car insurance ranked by cost per year
Rank Company Cost Per Year
1 Utica National $654
2 Allied $676
3 Frankenmuth $680
4 Erie $687
5 Travelers $705
6 USAA $711
7 Merchants Insurance Group $755
8 Cincinnati Insurance $779
9 Grange Mutual $804
10 General Casualty $813
11 Motorists Mutual $824
12 Central Mutual $866
13 State Farm $885
14 Hastings Mutual $893
15 Westfield $936
16 Atlantic States $940
17 Western Reserve $961
18 Progressive $991
19 Auto-Owners $998
20 Nationwide $1,018
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Utica National may offer some of the lowest car insurance rates in Columbus at around $654 each year. Allied, Frankenmuth, Erie, and Travelers also make the cut as some of the more affordable Columbus, OH car insurance companies.

In the above example, if you are a policyholder with Erie and switched to Allied, you could see annual savings of about $11. Policyholders with Travelers may save as much as $29 a year, and USAA policyholders might realize rate reductions of up to $35 a year.

To discover how much you can save, click here to begin a quote or quote prices from the following companies.

It’s important to note that these estimates are averaged across all drivers and vehicles in Ohio and are not factoring in a vehicle location for 16 year olds. So the company that can offer you the lowest price may not even be in the top 33 companies in the list above. That affirms the importance of why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

One of the many considerations that are looked at to determine the cost of insurance is where your residence is in Columbus. Areas with more people or more claims tend to have higher auto insurance costs, whereas areas with less congestion have the enjoyment of a little cheaper coverage.

The table below sorts the priciest cities in Ohio for 16 year olds to buy car insurance in. Columbus shows up at #4 with an annual cost of $1,235 on average, which is about $103 each month.

How much is car insurance in Columbus?
Rank City Premium Per Year
1 Toledo $1,267
2 Cleveland $1,259
3 Youngstown $1,235
4 Columbus $1,235
5 Cincinnati $1,174
6 Cleveland Heights $1,166
7 Euclid $1,164
8 Dayton $1,154
9 Akron $1,123
10 Hamilton $1,113
11 Canton $1,102
12 Middletown $1,066
13 Newark $1,063
14 Lakewood $1,063
15 Fairfield $1,063
16 Springfield $1,061
17 Strongsville $1,041
18 Beavercreek $1,027
19 Parma $1,027
20 Kettering $1,009
21 Cuyahoga Falls $1,007
22 Mansfield $1,002
23 Mentor $978
24 Lorain $975
25 Elyria $965
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Prices are comparative as the specific geographic location can increase or decrease premium rates greatly.

Auto insurance rates are higher with tickets and accidents

In a perfect world, the best way to snag cheap auto insurance rates in Columbus for new drivers is to drive safe and avoid accidents and traffic violations. The information below illustrates how traffic citations and fender-benders raise insurance prices for different age categories. The premiums assume a married female driver, full coverage, $100 deductibles, and no additional discounts are factored in.

In the previous chart, the average cost of car insurance per year with no accidents or violations is $1,345. Factor in two speeding tickets and the average cost hikes up to $1,917, an increase of $572 each year. Now throw in two accidents along with the two speeding tickets and the annual cost of auto insurance for 16 year olds goes up to an average of $3,966. That’s an increase of $2,620, or $218 per month, just for not keeping your driving record clean!

Insuring your vehicle with a high-quality car insurance provider is difficult considering how many different companies there are to choose from in Ohio. The ranking data listed below could help you choose which providers to look at comparing price quotes from. These ratings include companies that insure vehicles across America, so smaller companies are not included in the list.

Top 10 Major Car 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

Top 10 Major Car Insurance Companies in Columbus Ranked by Value

  1. USAA
  2. GEICO
  3. AAA Insurance
  4. Erie Insurance
  5. State Farm
  6. Liberty Mutual
  7. Safeco Insurance
  8. Allstate
  9. 21st Century
  10. Travelers

Here’s why you should shop around

Ohio auto insurance rates are determined by lots of factors that control the cost of coverage. Improving your credit rating, getting divorced, or getting a speeding ticket can trigger changes in premium resulting in some rates now being more affordable than the competition.

Additionally, insurance companies change prices as needed to reflect underwriting profits or losses. A period of higher than normal claims can result in rate hikes, while a lower level of claims can produce cheaper Columbus car insurance rates.

For example, the data below shows which company has the cheapest car insurance in Columbus, OH for a 40-year-old female driver with a clean driving record, no accidents, and excellent credit. When comparing rates based on her current risk factors, Utica National might quote the best car insurance rates in Columbus at $803 per year. This is $237 less than the average rate paid by Ohio drivers of $1,040. Erie, Allied, Travelers, and Frankenmuth are the remaining top five cheapest Columbus, OH auto insurance companies.

Let’s now give the driver in the first chart some claims, bad credit, and a traffic ticket or two. Due to the fact that each insurance company has a different formula for setting prices, comparing insurance quotes may now result in a significantly different list of the cheapest Columbus car insurance companies as shown below.

Merchants Insurance Group now has the cheapest car insurance in Columbus, OH with Cincinnati Insurance, Motorists Mutual, Grange Mutual, and General Casualty also having competitive pricing. This example proves why consumers need to perform an extensive rate comparison to get the most economical insurance rates for 16 year olds.

Car insurance prices are impacted by many things and change dramatically, so the cheapest rate the last time you shopped around may now be one of the more expensive options.

If you prefer to get some professional input when shopping for the best coverage for new drivers, the insurance agencies below are a good start to answer your questions and help you decide which insurance coverage will be best for you. To find a Columbus insurance agency close to you, click the link at the bottom.

Buddy White – State Farm Insurance Agent
1500 S Hamilton RdColumbus, OH 43227(614) 864-1050

Larry Noll – State Farm Insurance Agent
2648 Billingsley RdColumbus, OH 43235(614) 889-1156

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

Nationwide Insurance: Robert Darnell Jackson Agency
2690 E Main StColumbus, OH 43209(614) 235-5413

State Farm: Matt Simonds
2986 N High StColumbus, OH 43202(614) 262-6700

More insurance agents in Columbus, OH