Best Cheap Car Insurance Quotes After a Speeding Ticket in Ohio

One of the many criteria that impact the amount you pay for auto insurance is where you normally keep your vehicle in Ohio. Areas with more people or even just a higher incidence of claims like Toledo, Youngstown, and Cincinnati likely pay more, whereas areas that are not as densely populated receive better rates.

The next table sorts the most expensive areas in Ohio after a speeding ticket to purchase a policy in.

Rate quotes are approximated as specific Ohio garaging address can lower or raise prices significantly.

Deciphering which company offers the cheapest insurance rates after a speeding ticket will take a little more sweat in order to find the most economical policy. Each company uses their own formula for establishing rates, so to begin we’ll rank the insurance companies that tend to be cheaper in Ohio.

It’s a good idea to know that Ohio insurance rates are influenced by many factors that control the price of your policy. Simply having another birthday, moving to a different location, or having an accident can trigger price changes that can make some companies more affordable than the competition.

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Utica National generally has some of the cheapest car insurance rates in Ohio at around $628 per year. Erie, Allied, Frankenmuth, and USAA also make the cut as some of the cheaper Ohio insurance companies.

In the rate table above, if you are currently insured with Frankenmuth and switched to Utica National, you could see yearly savings of approxmiately $52. Ohio drivers with USAA could save as much as $91 a year, and Travelers policyholders might lower prices by up to $98 a year.

Be aware that those policy rates are averaged for all types of drivers and the different vehicles they drive and do not take into consideration a rate discount after a speeding ticket. So the car insurance company that fits your situation best may not even be in the list of companies shown earlier. That affirms the importance of why you need to get rate quotes from many companies using your own driver and vehicle profiles.

The model of vehicle driven is a significant factor that determines whether or not you can buy the most economical insurance after a speeding ticket. Vehicles with economical engines, good crash test ratings, or a positive history of liability claims will cost much less to insure than higher performance models. The next lists presents coverage premiums for some of the most affordable vehicles to insure in Ohio.

Data assumes single female driver age 40, two speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, and multi-policy. Estimates do not factor in vehicle garaging location which can impact price quotes substantially.

Data based on single female driver age 40, two speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, and multi-policy. Price information does not factor in vehicle location which can lower or raise premiums noticeably.

Prices based on single female driver age 40, two speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, and multi-vehicle. Premium costs do not factor in specific location information which can influence premiums considerably.

Responsible drivers pay cheaper insurance rates

The obvious way to enjoy affordable insurance prices in Ohio after a few driving violations is to be an attentive driver and have a clean driving record. The diagram below shows how violations and at-fault collisions can impact insurance premiums for different insured age categories. The premiums assume a married female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 1443,1865,2291],[‘Age 30’, 1015,1441,1865],[‘Age 40’, 1001,1429,1853],[‘Age 50’, 881,1305,1731],[‘Age 60’, 839,1267,1691],[‘Age 70’, 897,1325,1751]]);var options = {title: ‘Effect of Violations and Accidents on Ohio Car Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Ohio’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data charted above shows the average cost of a car insurance policy in Ohio per year with no violations or accidents is $1,013. Get written up for two speeding tickets and the average cost increases to $1,439, an increase of $426 each year. Now add one accident along with the two speeding tickets and the yearly cost of insurance after a speeding ticket increases to an average of $1,864. That’s an increase of $851, or $71 per month, just for not driving safely!

The diagram below demonstrates how deductible levels can impact insurance rates when researching cheap insurance after a speeding ticket. The price estimates are based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 1821,1677,1515,1365],[‘Age 30’, 1269,1163,1043,925],[‘Age 40’, 1179,1081,973,867],[‘Age 50’, 1029,945,851,757],[‘Age 60’, 995,915,823,735],[‘Age 70’, 1157,1065,963,865]]);var options = {title: ‘Deductibles and Insurance Cost in Ohio’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

As shown above, a 50-year-old driver could lower their car insurance rates by $178 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $272 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could possibly save as much as $456 every year just by choosing higher deductibles. When raising deductibles, it is necessary to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.