How Much Does Car Insurance Cost for Drivers with a Bad Driving Record in Ohio?

You have probably watched the captivating ads from auto insurance companies like Liberty Mutual, The General, and State Farm claiming the cheapest price. So drivers should just pick one at random, right?

Unfortunately, it’s just not that easy, as there are a lot of unknown elements such as if you are a woman or a man, if you have a spouse, and what physical damage coverage deductibles you want. We will try to teach you about the best ways to avoid high prices and will hopefully give you a solid foundation to find cheaper car insurance in Ohio.

When shopping for the cheapest auto insurance for bad drivers, one of the many things that impact car insurance rates is where your car is garaged in Ohio. Areas with more people like Toledo, Columbus, and Cleveland are more likely to pay higher prices, whereas cities that are not as densely populated have the luxury of lower rates.

The table below ranks the priciest cities in Ohio for drivers with a bad driving record to purchase a policy in.

Price information shown is estimated as specific Ohio garaging address can raise or lower insurance rates substantially.

Finding out which company quotes the lowest-priced auto insurance rates for drivers with a bad driving record will take more time in order to find the most economical policy.

Every insurance company uses a slightly different approach for filing rates in each state, so we will examine the overall cheapest auto insurance companies in Ohio. We do need to point out that Ohio auto insurance rates are impacted by many things that can increase the price you pay for coverage. Simply having another birthday, having a claim, or getting a few speeding tickets can produce rate changes that may make certain companies much cheaper than others.

Best Auto Insurance Prices for Imperfect Drivers

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Utica National may offer some of the best car insurance rates in Ohio at around $628 a year. Allied, Erie, Frankenmuth, and USAA are also some of the best Ohio auto insurance companies.

As shown above, if you currently buy coverage from Frankenmuth and switched to Utica National, you may see an annual savings of around $73. Drivers with USAA might save as much as $83 a year, and Travelers customers might see rate reductions of $98 a year.

To find cheap insurance for drivers with a bad driving record in Ohio for your vehicle, click here to get a free quote or visit any of the low-priced companies below.

Understand that those premiums are averages for all insureds and vehicles and do not take into consideration a price surcharge for drivers with a bad driving record. So the company that can offer you the lowest price may not even be shown in the rate chart shown above. That helps illustrate why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.

The car, truck, or SUV requiring insurance is probably the largest consideration when quoting affordable car insurance for drivers with a bad driving record. Vehicles with more horsepower, a lack of safety features, or high incidents of liability claims will cost significantly more to insure than more economical and safe models.

The information below presents car insurance premiums for some of the more afforable automobiles to buy insurance for.

Table data assumes married male driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Information does not factor in vehicle garaging location which can decrease or increase coverage prices significantly.

Data based on married male driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Rate information does not factor in vehicle location which can decrease or increase price quotes substantially.

Prices above based on married male driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in specific location which can increase or decrease premium rates considerably.

Best auto insurance in Ohio

Selecting the right insurance provider can be difficult considering how many choices there are in Ohio. The information listed below could help you decide which auto insurance companies you want to consider shopping your coverage with. These ratings only include companies that write coverage in many states, so companies with more of a regional focus will not be included in the list.

Top 10 Large Car Insurance Companies Overall in Ohio

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Top 10 Large Car Insurance Companies in Ohio Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Allstate – A+
6. Progressive – A+
7. Erie Insurance – A+
8. The Hartford – A+
9. Nationwide – A+
10. Esurance – A+

Full coverage versus liability-only

Finding cheap insurance for drivers with a bad driving record in Ohio should be important to the majority of people, and a great way to save on the cost of insurance is to not insure for full coverage. The information below illustrates the difference between premium costs with and without physical damage coverage. The price estimates are based on no claims or driving violations, $500 deductibles, single marital status, and no discounts are factored in.

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If averaged out across all ages, comprehensive and collision coverage on your policy costs $1,178 per year more than carrying just liability coverage. That touches on the question if it’s worth it to buy full coverage. There is no exact formula of when to phase out physical damage insurance, but there is a broad guideline. If the yearly cost of full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s assume your vehicle’s settlement value is $12,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $11,000 after paying your policy deductible. If you are currently paying more than $1,100 annually for physical damage coverage, then you may want to consider only buying liability coverage.

There are some scenarios where buying only liability insurance is not in your best interest. If you haven’t satisfied your loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.

Who is cheaper: State Farm, Progressive, Geico, or Allstate?

If you are looking for the best car insurance for bad drivers in Ohio, four companies to definitely compare rates with are State Farm, Progressive, Geico, and Allstate. All of them have different features and discounts that can influence your buying decision. The table below rates ratings for price, service, and claims, in additional to some of the optional coverages .