Best Cheap Auto Insurance for Drivers Requiring a SR22 in Ohio

One of the key criteria used to calculate auto insurance rates is the neighborhood you call home in Ohio. Densely populated urban areas like Youngstown, Columbus, and Cleveland Heights tend to have higher rates, whereas less populated areas have the benefit of cheaper auto insurance prices.

The following table sorts the more expensive cities in Ohio for drivers requiring a SR22 to buy an auto insurance policy in.

Price information shown is estimated as the specific area where the vehicle is garaged can influence auto insurance rates significantly.

Finding decent, affordable insurance is easier said than done, and figuring out which companies quote the cheapest car insurance rates for drivers requiring a SR22 takes additional perseverance. Insurance rates will most likely be quite a bit pricier than the average rate in Ohio because of the potentially higher risk that goes along with selling insurance for high risk drivers, but economical coverage should be obtainable if you do a thorough comparison. Each insurance company uses a little different formula for determining rates, so let’s take a look at the most competitive car insurance companies in Ohio.

Keep in mind that Ohio car insurance rates are based on many factors that may substantially change the price you pay for coverage. Simply improving your credit score, adding a teenager to your policy, or getting a couple of tickets can cause premium changes that may make certain companies cheaper than competitors.

Cheap Insurance Rates for SR22 Drivers

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Utica National may offer some of the best car insurance rates in Ohio at around $635 per year. Erie, Allied, Travelers, and Frankenmuth would also be considered some of the best Ohio auto insurance companies.

In the above rates, if you buy coverage from Travelers and switched to Utica National, you might realize an annual savings of about $70. Customers with Frankenmuth might save as much as $73 a year, and USAA customers might reduce rates by $84 a year.

Be aware that those estimates are averaged for all types of drivers and the different vehicles they drive and are not factoring in a rate surcharge for drivers requiring a SR22. So the insurer that can offer you the best rate may not even be in the above list. That is why you need to get rate quotes using your own specific driver information and vehicle.

The car, truck, or SUV on the policy is probably the most important factor that determines whether or not you find cheap insurance for drivers requiring a SR22. Vehicles with higher performance, poor safety features, or high incidents of liability claims will cost quite a bit more to insure than safer models.

The table below estimates auto insurance prices for the most cost-effective vehicles to insure.

Price data assumes single female driver age 30, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in specific Ohio garaging location which can change prices noticeably.

By looking at the data, we can expect models like the Chevrolet Traverse, Ford Escape, and Honda CR-V are most likely going to be the most budget-friendly vehicles to insure for high risk drivers. Rates will be more costly just due to the fact that there is more liability risk for drivers requiring a SR22, but overall those particular vehicles will most likely have the best rates compared to other vehicles.

Get discount Ohio insurance rates

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/cheap-car-insurance-drivers-sr22-oh.jpg" alt="Cheaper Ohio car insurance for high risk drivers”/>Auto insurance companies that sell the best cheap car insurance for drivers requiring a SR22 in Ohio may also offer rate discounts that could reduce prices by 25% or more if you are eligible for them. Large car insurance companies and a selection of discounts are included below.

The information below compares car insurance rates with and without discounts applied to the policy rates. The data is based on a male driver, one violation and one at-fault accident, Ohio state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple vehicle, homeowner, anti-theft, paperless filing, multiple policy, and marriage discounts applied. When discounts are applied, the average savings per year on car insurance for drivers requiring a SR22 is % or $.

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Allstate, State Farm, Geico, or Progressive: Which is best?

When buying car insurance for high risk drivers, some of the largest companies to start with are Allstate, State Farm, Geico, and Progressive. The table below illustrates pricing and service ratings, as well as optional policy coverages shoppers can find with each company.