Who Has the Cheapest Auto Insurance Quotes for 19 Year Olds in Ohio?

One of the more important things that is used by insurance companies to determine the annual cost of car insurance is where you call home in Ohio. Areas that are more densely populated like Youngstown, Cleveland, and Cincinnati tend to have more expensive car insurance rates, whereas less populated areas generally pay lower insurance rates.

The next table rates the highest-priced areas in Ohio for 19 year olds to purchase car insurance in.

Rates are approximated as specific Ohio garaging address can lower or raise rates significantly.

The type of vehicle that is being insured is probably the most important factor in finding the best coverage for 19 year olds. Vehicles with higher performance, poor safety ratings, or a high likelihood of having liability claims will cost more to insure than more economical and safe models.

The list below outlines coverage prices for the cheapest automobiles to insure in Ohio.

Data rating is based on single female driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in specific garaging location which can increase or decrease coverage rates substantially.

By looking at the data, you can see that cars like the Honda CR-V, Chevrolet Traverse, Jeep Wrangler, and Ford Escape are most likely going to be a few of the most budget-friendly vehicles to insure for teenage drivers. Auto insurance rates will be more expensive because there is more claim exposure for 19 year olds, but in general those makes and models will probably have the lowest insurance prices possible.

Get discounts on Ohio auto insurance

Car insurance companies that provide the cheapest car insurance for 19 year olds in Ohio could also offer price discounts that can lower rates by as much as 40% or more if you meet certain criteria. A few popular companies and the discounts they provide are:

• 21st Century has savings for anti-lock brakes, automatic seat belts, early bird, driver training, student driver, and theft prevention.
• Progressive offers discounts including online quote discount, good student, online signing, multi-vehicle, homeowner, and multi-policy.
• State Farm offers premium reductions for accident-free, defensive driving training, Steer Clear safe driver discount, good driver, and multiple autos.
• Nationwide offers discounts for family plan, business or organization, anti-theft, accident-free, and multi-policy.
• Esurance includes discounts for good student, DriveSense, multi-car, anti-lock brakes, and claim free.
• The Hartford policyholders can earn discounts including good student, defensive driver, air bag, bundle, and driver training.

The example below visualizes the comparison of insurance prices with and without discounts. The rate quotes are based on a female driver, no claims or violations, Ohio state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple policy, vehicle safety, anti-theft, passive restraint, safe-driver, and multiple vehicle discounts applied. When discounts are applied, the the amount saved on car insurance for 19 year olds is 27% or $369.

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Which auto insurance company is best?

If you are shopping around for car insurance for teenage drivers, the top insurers to get price quotes from are State Farm, Allstate, Progressive, and Geico. Between them, they make up 48.5% of the car insurance market in the United States. They all offer a slightly different mix of options and features that may steer you one way or another. The table below compares some of the different options and features that may be available in Ohio.