How Much Does Car Insurance Cost for Teenage Males in Ohio?

For teen boys, one of the more important components that determine auto insurance rates is the neighborhood you call home in Ohio. Densely populated urban areas like Toledo, Youngstown, and Columbus will most likely have higher rates, whereas areas with less congestion profit from lower rates.

The table below shows the most costly cities in Ohio for teenage males to purchase a policy in.

Premium costs are comparative as the specific garaging location can change price quotes substantially.

The vehicle you are insuring is one of the primary factors that determines the availablility of the best auto insurance for teenage males. Vehicles with lower acceleration and performance, good safety features, or a positive history of liability claims will cost quite a bit less to insure than fast, unsafe models.

The information below estimates auto insurance premiums for the cheaper vehicles to insure in Ohio.

Table data represents single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in Ohio location which can raise or lower price quotes substantially.

Above prices assume single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease rates noticeably.

Prices above based on single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in vehicle location which can decrease or increase coverage rates significantly.

Establishing which companies quote the most affordable auto insurance rates for teenage males takes a little more work in order to find the lowest price. Every car insurance company uses a little different formula for filing rates in each state, so let’s look at the rankings for the most competitive auto insurance companies in Ohio.

It’s a good idea to be aware that Ohio auto insurance rates are impacted by many factors that will increase or decrease the cost of coverage. Improving your credit score, getting divorced, or getting caught speeding may cause policy rate changes that can now make some companies affordable when they were higher priced.

Cheap Insurance Rates for Teens

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Utica National offers some of the cheapest car insurance rates in Ohio at around $647 per year. Erie, Allied, Frankenmuth, and USAA are also some of the cheaper Ohio insurance companies.

As the rates illustrate above, if you buy coverage from Erie and switched to Utica National, you might see a yearly savings of in the vicinity of $34. Ohio drivers with Allied may save as much as $50 a year, and Frankenmuth insureds might cut rates by $61 a year.

To see how much you can save, click here to start your custom quote or visit any of the companies below.

These estimates are averaged for all types of insureds and vehicles and and are not figured with a rate surcharge for teenage males. So the car insurance company that has the cheapest rates for you may not even be in the list above. That point stresses why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.

Discounts on cheap auto insurance for teenage males in Ohio

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/auto-insurance-teenage-males-oh.jpg" alt="Cheaper Ohio auto insurance for teen boys”/>Insurers that offer cheap quotes for teenage males may also offer policy discounts that could reduce prices by 25% or more if you are eligible. A list of auto insurance companies and the discounts they provide are:

• State Farm offers discounts for defensive driving training, anti-theft, student away at school, safe vehicle, and multiple autos.
• American Family may offer discounts for good driver, TimeAway discount, mySafetyValet, air bags, multi-vehicle, and defensive driver.
• GEICO offers discounts including anti-lock brakes, driver training, multi-vehicle, daytime running lights, emergency military deployment, anti-theft, and membership and employees.
• 21st Century has discounts for theft prevention, anti-lock brakes, 55 and older, homeowners, early bird, driver training, and student driver.
• Progressive may have discounts that include multi-policy, continuous coverage, homeowner, online signing, good student, multi-vehicle, and online quote discount.

The example below visualizes the comparison of annual premium costs with and without policy discounts. The data is based on a female driver, a clean driving record, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with paperless filing, vehicle safety, passive restraint, paid-in-full, anti-theft, and continuous coverage discounts applied. When discounts are factored in, the average savings per year on auto insurance for teenage males is 28% or $479.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 17’, 3377,2417],[‘Age 30’, 1379,999],[‘Age 40’, 1287,933],[‘Age 50’, 1127,817],[‘Age 60’, 1089,789]]);var options = {title: ‘Effect of Discounts on Insurance Price for Teenage Males’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Do you need full coverage?

Finding cheap auto insurance for teenage males in Ohio is important to most drivers, and an effective way to buy cheaper insurance is to buy liability only. The illustration below illustrates the comparison of yearly insurance costs with full coverage and liability only. The premiums are based on no violations or accidents, $250 deductibles, single status, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 2785,917],[‘Age 30’, 1451,507],[‘Age 40’, 1433,469],[‘Age 50’, 1303,441],[‘Age 60’, 1263,433],[‘Age 70’, 1537,577]]);var options = {title: ‘Full Coverage Compared to Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Ohio’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If averaged for all ages, physical damage coverage costs $1,629 per year over having just liability coverage. That may make you wonder if buying full coverage is worth the expense. There is no set rule to stop buying full coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let’s say your vehicle’s book value is $8,500 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $7,500 after the deductible is paid. If it’s costing in excess of $750 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some scenarios where eliminating full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not opt for liability only.

Find cheap auto insurance for teenage males in Ohio

The list below summarizes many penny-pinching ideas that can help drivers get the cheapest coverage.

• If possible, pay for small claims out-of-pocket
• Drive attentively and avoid accidents
• Remove physical damage coverage on older vehicles
• Raise comprehensive and collision coverage deductibles
• Save money by obeying traffic laws and keeping a clean driving record
• Compare rates and switch if you can find a better deal

That final tip is highly significant, as we stressed in the prior information. Rates can be adjusted at any time, so don’t be hesitant to buy a different policy if a more affordable rate is found. Having a favorite company is great, but it’s not a good idea if your bullheadedness ends up costing you a lot of money. If you have a few minutes, now is a great time to compare rates to find cheaper car insurance for teenage males.