Who Has the Cheapest Auto Insurance for Drivers Under 21 in Columbus?

One of the more important considerations that are looked at to determine insurance cost is where you choose to live. Areas with a lot of weather claims or more people are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims have the luxury of cheap car insurance rates.

The information below rates the most expensive places in Ohio for drivers under 21 to buy auto insurance in. Columbus is listed at #6 costing $1,199 for car insurance, which is around $100 per month.

How much is car insurance in Columbus?
Rank City Premium Per Year
1 Toledo $1,279
2 Youngstown $1,273
3 Cleveland $1,259
4 Cleveland Heights $1,214
5 Cincinnati $1,210
6 Columbus $1,199
7 Akron $1,169
8 Euclid $1,164
9 Dayton $1,154
10 Hamilton $1,113
11 Springfield $1,072
12 Canton $1,069
13 Lakewood $1,063
14 Newark $1,063
15 Fairfield $1,053
16 Kettering $1,051
17 Beavercreek $1,027
18 Middletown $1,024
19 Mansfield $1,022
20 Lorain $1,015
21 Parma $1,007
22 Cuyahoga Falls $1,007
23 Strongsville $1,001
24 Elyria $995
25 Mentor $978
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Annual rates are comparative as the specific Columbus residence address can modify price quotes significantly.

Buying budget insurance is not the easiest thing to accomplish, and determining which companies have the best auto insurance rates for drivers under 21 takes even more rate comparisons. Each auto insurance company uses their own calculation for setting prices, so first we will examine the auto insurance companies with the most affordable rates in Columbus.

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Who has the cheapest car insurance in Ohio?
Rank Company Cost Per Year
1 Utica National $647
2 Allied $676
3 Erie $687
4 Frankenmuth $701
5 Travelers $705
6 USAA $719
7 Merchants Insurance Group $778
8 Cincinnati Insurance $779
9 Motorists Mutual $792
10 General Casualty $805
11 Grange Mutual $836
12 Central Mutual $848
13 Hastings Mutual $858
14 State Farm $885
15 Westfield $918
16 Atlantic States $931
17 Western Reserve $932
18 Auto-Owners $958
19 Progressive $982
20 Nationwide $998
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Utica National generally has some of the lowest car insurance rates in Columbus at around $647 annually. This is $393 less than the average rate paid by Ohio drivers of $1,040. Allied, Erie, Frankenmuth, and Travelers also are some of the cheapest Columbus, OH car insurance companies.

As depicted above, if you currently have coverage with Allied and switched to Utica National, you could earn a yearly savings of upwards of $29. Insureds with Erie may save as much as $40 a year, and Frankenmuth insureds might realize rate reductions of up to $54 a year.

Be aware that those estimates are averaged across all types of drivers and the different vehicles they drive and are not factoring in an exact vehicle garaging location for drivers under 21. So the auto insurance company that can offer the best rates for your situation may not even be in the list above. That emphasizes why you need to compare prices as often as possible using your own driver data and vehicle information.

The car, truck, or SUV you are insuring is a large factor that determines if you can find cheaper auto insurance for drivers under 21. Vehicles with lots of horsepower, a lack of advanced safety features, or an increased likelihood of liability claims will cost much more to insure than more modest models.

The information below features coverage prices for a number of the most budget-friendly automobiles to insure.

Cheapest Vehicles to Insure in Columbus, OH
Vehicle Estimated Cost for Full Coverage
Ford Escape XLS 2WD $4,249
Honda CR-V EX 2WD $4,256
Ford F-150 XL Regular Cab 2WD $4,392
Honda Accord EX-L 4-Dr Sedan $4,597
Toyota Prius $4,653
Honda Odyssey LX $4,689
Ford Edge SE 2WD $4,697
Toyota Tacoma 4WD $4,743
Ford Explorer Eddie Bauer 2WD $4,750
Volkswagen Jetta SE 2.5 Station Wagon $4,950
Ford Focus S 4-Dr Sedan $4,984
Toyota RAV4 Sport 4WD $5,037
Ford Fusion S 4-Dr Sedan $5,045
Chevrolet Impala LT $5,037
Toyota Camry LE $5,042
Chevrolet Malibu LT $5,094
Dodge Grand Caravan Crew $5,100
Dodge Ram Quad Cab ST 2WD $5,129
Honda Civic LX 4-Dr Sedan $5,280
Hyundai Elantra SE 4-Dr Sedan $5,334
Toyota Corolla S $5,341
Nissan Altima Hybrid 4-Dr Sedan $5,390
GMC Sierra 2500HD SLE Extended Cab 4WD $5,400
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Table data assumes single male driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can modify premium rates noticeably.

By looking at the data, you can see that cars like the Ford Escape, Honda CR-V, Ford F-150, and Honda Accord will be the less-costly vehicles to insure for minors. Auto insurance rates will be more expensive just because there is more claim risk for drivers under 21, but overall those makes and models will have the cheapest car insurance rates that you are likely to find.

The diagram below demonstrates how choosing different deductibles can increase or decrease annual premium costs when getting quotes for cheap insurance for drivers under 21. Data assumes a married male driver, full physical damage coverage, and no other discounts are factored in.

A 50-year-old driver could lower their car insurance rates by $216 a year by increasing from a $100 deductible up to a $500 deductible, or save $324 by changing to a $1,000 deductible. Youthful drivers, like the Age 20 chart data, can save up to $718 each year by selecting a higher deductible. If you do decide to increase your deductibles, it is a good idea to have enough in a savings account to cover the extra out-of-pocket expense that comes with higher deductibles.

Ending up with the right insurance provider is difficult considering how many companies there are to choose from in Ohio. The ranking information displayed below may help you pick which coverage providers you want to consider when trying find the best insurance for drivers under 21. The ratings below only include large nationwide companies, so companies without a large exposure are not taken into consideration for these rankings.

Top Ten Auto Insurance Companies for Drivers Under 21 in Columbus, OH
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
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Data Source: Insure.com Best Car Insurance Companies

Get discount Columbus auto insurance rates

Discounts on auto insurance for drivers under 21Auto insurance companies that offer cheap quotes for drivers under 21 may additionally offer discounts that can reduce rates by as much as 35% if you meet specific eligibility requirements. Large auto insurance companies and some of their more popular discounts are shown below.

The chart below illustrates the comparison of insurance costs with and without discounts applied to the policy rates. The data assumes a male driver, no claims or driving violations, Ohio state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with defensive driving course, accident-free, anti-theft, multiple policy, safe-driver, and homeowner discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on auto insurance for drivers under 21 is 28% or $318.

If you have questions and prefer to get some professional input when trying to find lower insurance rates for minors, the agents listed below can most likely aid you in deciding which policy fits your needs best. To locate an agency nearest to you, click the button following the list.

Keystone Insurance Agency LLC
5640 Groveport Rd #2Groveport, OH 43125(614) 295-8816

IHT Insurance Agency Group LLC
655 Metro Pl S Suite 330Dublin, OH 43017(614) 761-2825

Meghan Humphreys – State Farm Insurance Agent
3468 N High St aColumbus, OH 43214(614) 754-9855

More insurance agents in Columbus, OH

Ideas to find the cheapest car insurance for drivers under 21

The list below summarizes some of the recommended money-saving suggestions that can help Columbus drivers find cheap car insurance.

The final tip is extremely critical, as we discussed in this write-up. Rates can change considerably based on profitability, so don’t hesitate to change to a new company if you find a better deal.

Many drivers have brand loyalty and that’s fine, but it’s not recommended if that dedication is costing hundreds every year. In just a few minutes you could shop around to find cheaper car insurance for drivers under 21 in Columbus.