Who Has the Cheapest Auto Insurance for a Learners Permit in Ohio?

Shopping around for low-cost auto insurance is not always easy, and determining which company quotes the cheapest insurance rates for a learners permit requires additional perseverance. Policy prices will probably be significantly more expensive than the average policy in Ohio, with the extra cost attributed to the extra risk that goes along with selling insurance for new drivers, but reasonably-priced coverage may be available if you find the right company. Every insurance company uses a little different formula for setting rates, so let’s take a look at the most competitive insurance companies in Ohio.

It’s important that you understand Ohio insurance rates are impacted by many factors which can substantially decrease or increase the cost of a policy. Events like a birthday, buying a home instead of renting, or getting a couple of tickets can trigger changes in premium that can cause some rates to be higher-priced than the competition.

Best Car Insurance Prices in Ohio

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Utica National has some of the most affordable car insurance rates in Ohio at around $628 a year. Allied, Frankenmuth, Erie, and Travelers also rank well as some of the cheaper Ohio car insurance companies.

As shown in the rates above, if you currently buy coverage from Erie and switched to Utica National, you may see an annual premium reduction of upwards of $53. Drivers with Travelers may save as much as $105 a year, and USAA insureds might reduce prices by as much as $113 a year.

To see how much you can save, click here to start a quote or click several companies below for low rates.

Understand that those estimates are averages for all drivers and vehicles in Ohio and and are not figured with a rate increase for a learners permit. So the auto insurance company that fits your situation best may not even be included in the rate chart shown above. That underscores the importance of why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.

One of the more important components that insurance companies use when figuring insurance cost is your zip code. Cities with larger populations or higher claims like Youngstown, Cleveland, and Cincinnati tend to pay more, whereas areas with less traffic congestion and claims benefit from lower coverage costs.

The next table shows the most expensive cities in Ohio for a learners permit to buy auto insurance in.

Premium amounts are estimated as specific Ohio garaging address can increase or decrease prices greatly.

The vehicle to be insured is one of the main factors when trying to find cheaper insurance for a learners permit. Vehicles with lower performance, good crash test ratings, or low incidents of liability claims will cost less to insure than fast, unsafe models.

The information below illustrates car insurance costs for some of the most cost-effective automobiles to insure.

Premium data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in zip code location which can decrease or increase premiums noticeably.

Premium data assumes single male driver age 16, 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 your specific Ohio location which can change coverage rates significantly.

Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in specific garaging location which can increase or decrease coverage prices noticeably.

Ratings for Ohio insurance companies

Insuring your vehicle with a high-quality insurance company can be difficult considering how many different companies there are to choose from in Ohio. The company ratings below can help you pick which coverage providers to look at buying from. These rankings are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies that may only write in Ohio are not factored into the list.

Top 10 Major Auto Insurers in Ohio 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 Auto Insurers in Ohio Ranked by Value

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

Geico, Allstate, State Farm, and Progressive compared

If you are looking for the best car insurance, four of the larger companies to compare rates for are Geico, Allstate, State Farm, and Progressive. They all have unique options and discounts that shoppers can choose from. The next table rates price, claims, and customer service ratings, as well as some optional coverages that are available.

Who has the cheapest insurance quotes for new drivers?

There are many different ways to buy insurance in Ohio, but the most frequently used are either through a non-exclusive or independent agent, an exlusive agent such as Liberty Mutual or Allstate, or direct either online or via phone.

All three ways can provide insurance quotes, but they are slightly different in how they provide rate quotes.

Independent agents can place your business with multiple companies and can get rate quotes from every one. They are able to get prices from more than one company, which may give you the best shot at cutting your rates. If they quote lower rates, the business is moved internally and you can keep the same agent.

A captive or exclusive agent is only able to quote rates from one insurance company, for example Allstate and Liberty Mutual agents. They are unable to provide rate quotes from other companies, so if their pricing is high, there is no alternative.

Buying direct means you forego either of the other two types of agents and instead buy buying direct from a company like Progressive or Esurance. Shopping for insurance direct may be the best choice families who have lower risk management needs and have some degree of understanding of what coverages they need.

So which way is best to buy the cheapest car insurance for a learners permit in Ohio? We wish we could say buying from a direct company saves money since that eliminates agent commissions, but that is generally not the case. A valid argument could also be made that an independent agent guarantees the cheapest rates due to more options, but again, it’s not necessarily true. In many circumstances, exclusive agencies have price quotes that cannot be met by either independent or direct companies.

Due to the large number of rating factors, the best method to ensure you are not overpaying is to compare rate quotes from as many companies as possible. Industry experts recommend getting price quotes all three ways in order to find the best price. For a list of companies with online discounts, click here to view.

Find the cheapest car insurance for a learners permit in Ohio

Lowering your rates is not difficult, and here are some money-saving suggestions that can help Ohio drivers buy low-cost coverage.

• Avoid preventable accidents
• Good credit can mean cheaper rates
• Raise physical damage deductibles
• Earn discounts for being claim-free
• Avoid getting citations and tickets
• Buy your auto and home insurance from the same company and save
• Compare rate quotes frequently

The last suggestion is notably important, as we noted in the prior information. Prices can change considerably based on profitability, so drivers shouldn’t hesitate to buy from a different company if a lower-cost policy is available. Brand loyalty is great, but is isn’t recommended if it’s costing you major coinage every year. Take a few minutes and compare rates to find cheaper insurance for a learners permit.