Who Has the Cheapest Columbus Auto Insurance Rates for Immigrants?

Shopping around for low-priced auto insurance is challenging, and finding out which companies quote the best auto insurance rates for immigrants will require even more work. Each auto insurer has a unique formula for establishing rates, so we’ll take a look at the auto insurance companies with the overall cheapest rates in Ohio.

It’s a good idea to be aware that Columbus, OH auto insurance rates are impacted by many factors that will increase or decrease the policy price. Price variation is why drivers need to shop around with many companies when trying to get the most affordable auto insurance rates for immigrants. Prices are determined by many things and can change substantially, so the best option six months ago may now be one of the more expensive options.

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Rankings for the cheapest Ohio auto insurance companies
Rank Company Cost Per Year
1 Utica National $628
2 Erie $687
3 Allied $697
4 Frankenmuth $708
5 Travelers $726
6 USAA $741
7 Merchants Insurance Group $771
8 Cincinnati Insurance $779
9 Motorists Mutual $800
10 Grange Mutual $812
11 General Casualty $829
12 Hastings Mutual $866
13 Central Mutual $866
14 State Farm $867
15 Atlantic States $904
16 Westfield $918
17 Western Reserve $941
18 Progressive $953
19 Auto-Owners $998
20 Nationwide $1,028
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Utica National may offer some of the best car insurance rates in Columbus at around $628 annually. Erie, Allied, Frankenmuth, and Travelers also make the cut as some of the lowest-priced Columbus, OH car insurance companies.

As the example above demonstrates, if you are a customer of Travelers and switched to Erie, you may see annual savings of about $39. Ohio drivers with USAA might save as much as $54 a year, and Merchants Insurance Group policyholders might reduce prices by as much as $84 a year.

Remember that these rates are averages across all types of insureds and vehicles and and are not figured with an exact vehicle garaging location for immigrants. So the car insurance company that fits your situation best may not even be in the top 33 companies shown above. That affirms the importance of why you need to get car insurance quotes using your own specific driver information and vehicle.

The make and model of vehicle that needs insurance is one of the biggest factors that determines the availability of the lowest-priced insurance for immigrants. Vehicles with economical engines, advanced safety features, or low incidents of liability claims will cost substantially less to insure than high performance models.

The information below estimates car insurance rates for some of the most affordable automobiles to insure in Ohio.

Cheapest Vehicles to Insure in Columbus, OH
Vehicle Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 4WD $1,215
Honda CR-V LX 2WD $1,331
Toyota Prius $1,346
Jeep Grand Cherokee Laredo 2WD $1,438
Toyota RAV4 Limited 4WD $1,445
Chevrolet Silverado LS Regular Cab 4WD $1,458
Dodge Grand Caravan Crew $1,466
Toyota Corolla LE $1,515
Hyundai Elantra SE 4-Dr Sedan $1,524
Chevrolet Impala LTZ $1,515
Kia Optima LX $1,540
Chevrolet Equinox LTZ AWD $1,543
Ford Fusion Sport 4-Dr Sedan $1,551
Ford Focus SE 4-Dr Sedan $1,545
Dodge Ram Quad Cab SLT 4WD $1,567
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Prices do not factor in vehicle garaging location which can lower or raise premium rates substantially.

Looking at the rates, vehicles like the Ford Escape, Honda CR-V, Toyota Prius, Jeep Grand Cherokee, and Toyota RAV4 are a few of the less-costly vehicles to insure for foreigners.

Safe drivers pay less for auto insurance

The easiest way to score the cheapest auto insurance rates in Columbus for foreigners is to be a cautious driver and not have accidents or get tickets. The diagram below highlights how traffic violations and at-fault fender-benders increase insurance rates for different ages of insureds. The information is based on a married female driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.

The data above shows the average cost of car insurance per year with no accidents and a clean driving record is $1,256. Get one speeding ticket and the average cost rises to $1,461, an increase of $205 each year. Now add in one accident along with the one speeding ticket and the annual cost of auto insurance for immigrants jumps again to an average of $2,039. That’s an increase of $783, or $65 per month, just for not driving carefully!

Discount Columbus car insurance rates

Auto insurance for foreigners in Columbus, OHInsurance providers that offer quotes for immigrants could also offer policy discounts that may potentially lower prices by as much as 40% or more if you qualify. Companies and some of the premium reductions they offer include:

The illustration below visualizes the comparison of insurance costs with and without discounts applied to the policy premium. The costs are based on a male driver, no accidents or driving violations, Ohio state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with homeowner, safe-driver, anti-theft, passive restraint, multiple policy, and vehicle safety discounts applied. When taking advantage of discounts, theaverage yearly reduction on auto insurance for immigrants is 27% or $285.

Best auto insurance in Ohio

Insuring your vehicle with the top company can be difficult considering how many companies there are in Columbus. The information listed below can help you choose which car insurance companies to look at comparing price quotes from.

These rankings are only comprised of the largest companies in America, so companies that may only write in Ohio will not be included in these rankings. To view rates from these and other top-rated companies, click here.

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 Customer Service

  1. Nationwide
  2. State Farm
  3. Safeco Insurance
  4. American Family
  5. Titan Insurance
  6. Travelers
  7. Liberty Mutual
  8. GEICO
  9. Erie Insurance
  10. Allstate