Who Has Cheap Columbus Auto Insurance Rates for High School Students?

One of the many criteria that are used to help calculate the cost of insurance is where you choose to live. Areas with a lot of weather claims or more people tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents benefit from lower coverage costs.

The information below ranks the highest-priced places in Ohio for high school students to purchase auto insurance in. Columbus makes the list at #5 with a yearly premium of $1,211 for car insurance, which is about $101 each month.

Car insurance prices in Columbus
Rank City Annual Rate
1 Youngstown $1,273
2 Toledo $1,229
3 Cincinnati $1,222
4 Cleveland $1,222
5 Columbus $1,211
6 Cleveland Heights $1,178
7 Euclid $1,164
8 Akron $1,157
9 Dayton $1,154
10 Hamilton $1,102
11 Springfield $1,094
12 Fairfield $1,085
13 Newark $1,063
14 Canton $1,058
15 Beavercreek $1,058
16 Lakewood $1,041
17 Middletown $1,035
18 Strongsville $1,031
19 Cuyahoga Falls $1,027
20 Kettering $1,009
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Premium amounts are comparative as vehicle location can impact price quotes noticeably.

Buying cheap auto insurance is challenging, and finding out which company quotes the cheapest car insurance rates for high school students takes additional perseverance.

Each insurer has a different process to determine rates, so we’ll go over the car insurance companies with the overall best prices in Ohio.

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What’s the cheapest car insurance in Ohio?
Rank Company Cost Per Year
1 Utica National $654
2 Allied $676
3 Frankenmuth $680
4 Erie $687
5 Travelers $726
6 USAA $733
7 Cincinnati Insurance $749
8 Merchants Insurance Group $778
9 Motorists Mutual $800
10 Grange Mutual $836
11 General Casualty $837
12 Central Mutual $848
13 Hastings Mutual $884
14 State Farm $894
15 Westfield $918
16 Atlantic States $931
17 Western Reserve $932
18 Auto-Owners $968
19 Progressive $982
20 Farmers $1,005
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Utica National normally has some of the cheapest car insurance rates in Columbus at around $654 annually. Allied, Frankenmuth, Erie, and Travelers are also some of the cheapest Columbus, OH car insurance companies.

In the above rates, if you buy coverage from Frankenmuth and switched to Utica National, you might see an annual savings of approximately $26. Policyholders with Erie could save as much as $33 a year, and Travelers policyholders might cut rates by $72 a year.

Understand that those premiums are averaged across all types of drivers and the different vehicles they drive and and are not figured with an exact location for high school students. So the insurer that is best suited for you may not even be in the top 33 companies shown above. That emphasizes why you need to get car insurance quotes using your own driver and vehicle profiles.

The type of vehicle driven is one of the largest factors when shopping for the most economical auto insurance for high school students. Vehicles with high performance engines, poor safety ratings, or an increased likelihood of liability claims will cost significantly more to insure than more economical and safe models.

The data below illustrates insurance premiums for a selection of the most affordable automobiles to insure.

Cheapest Vehicles to Insure in Columbus, OH
Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 2WD $4,428
Honda CR-V LX 2WD $4,436
Toyota Prius $4,791
Ford Explorer XLT AWD $4,970
Ford F-150 XL Crew Cab 4WD $5,012
Honda Odyssey EX $5,206
Toyota Tacoma 2WD $5,216
Ford Edge SEL 2WD $5,206
Jeep Grand Cherokee Laredo 4WD $5,248
Toyota Camry LE $5,258
Toyota RAV4 Limited 2WD $5,248
Dodge Grand Caravan SXT $5,291
Chevrolet Malibu LT $5,297
Jeep Wrangler Unlimited Sport 2WD 4-Dr $5,484
Ford Focus SES 4-Dr Sedan $5,487
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Prices above based on single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in specific zip code location which can change premium rates greatly.

Based upon the table data, we can infer that models like the Ford Escape, Honda CR-V, Toyota Prius, and Ford Explorer are most likely to be the most affordable vehicles to insure for teenagers. Auto insurance rates will be more expensive because of the fact that there is more claim exposure for high school students, but generally speaking those specific models will most likely have the lowest insurance prices compared to other types of vehicles.

The illustration below shows how choosing a deductible can increase or decrease insurance rates when trying to find cheap insurance for high school students. The prices are based on a single female driver, full coverage, and no discounts are applied to the premium.

The data above shows that a 40-year-old driver could save $214 a year by increasing from a $100 deductible to a $500 deductible, or save $324 by changing to a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could possibly save as much as $548 each year just by choosing larger deductibles. If you do make the decision to raise your deductibles, it will now be necessary to have emergency funds available to allow you to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Discount Columbus insurance

Save on car insurance for teenagers in ColumbusInsurance providers that offer coverage for high school students may also provide discounts that may potentially lower prices by 30% or more if you qualify for them. A list of companies and some of their more popular discounts are:

The information below illustrates the comparison of car insurance rates with and without policy discounts. The premiums assume a female driver, no claims or driving citations, Ohio state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with anti-theft, paperless filing, continuous coverage, paid-in-full, vehicle safety, and good student discounts applied. When these discounts are applied, the average amount saved each year on car insurance for high school students is 28% or $577.

Finding the top insurance provider can be difficult considering how many choices you have in Columbus. The company ratings shown below could help you analyze which providers to look at when shopping insurance around for high school students.

The ratings below are for large insurance companies, so companies that have a smaller presence are not factored into these rankings. If you’d like to compare prices and find the cheapest rates for high school students, click here.

Best 15 Car Insurance Companies for High School Students in Columbus
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
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Data Source: Insure.com Best Car Insurance Companies