Cheap Car Insurance Quotes for Infrequent Drivers in Ohio

Finding reasonably-priced insurance is challenging, and finding out which companies quote the lowest-priced insurance rates for infrequent drivers takes even more work. Each insurer uses a different method for determining rates, so let’s take a look at the insurance companies that tend to have lower prices in Ohio.

It’s important that readers know that Ohio insurance rates are calculated based on many things that will increase or decrease the cost of coverage. Price variation is why Ohio drivers need to do a thorough rate comparison to find cheap auto insurance rates for infrequent drivers. Prices are calculated by many different factors and change frequently, so the cheapest company when you bought your policy may now be one of the higher cost companies.

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Utica National normally has some of the cheapest car insurance rates in Ohio at around $647 each year. Allied, Erie, Frankenmuth, and Travelers also qualify as some of the cheapest Ohio auto insurance companies.

In the above rates, if you buy coverage from Frankenmuth and switched to Allied, you might realize a yearly savings of upwards of $32. Policyholders with Travelers may save as much as $36 a year, and USAA policyholders might see rate reductions of $50 a year.

To find cheap car insurance for infrequent drivers in Ohio, click here to get quotes or feel free to get quotes from the companies below.

Remember that these estimates are averaged for all ages of drivers and types of vehicles and are not factoring in a price decrease for infrequent drivers. So the car insurance company that fits your needs best may not even be shown in the above rate chart. That’s why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

The type of vehicle requiring coverage is one of the main factors that determines if you can find cheap car insurance for infrequent drivers in Ohio. Vehicles with lower performance, excellent safety ratings, or a low likelihood of liability claims will cost significantly less to insure than higher performance models. The information below outlines auto insurance premiums for a number of the more afforable vehicles to buy coverage for.

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Price information does not factor in specific zip code location which can decrease or increase price quotes noticeably.

Looking at the data, cars like the Ford F-150, Ford Explorer, Chevrolet Traverse, and Honda CR-V will definitely be the cheapest vehicles to insure for low mileage drivers.

One of the key factors that help set a rate quote is where you keep your vehicle in Ohio. Cities with larger populations like Youngstown, Cleveland, and Columbus tend to pay higher rates, whereas areas with less people or fewer weather incidents tend to receive slightly lower rates.

The table below shows the higher priced cities in Ohio for infrequent drivers to purchase a policy in.

Annual rates are estimated as the specific zip code location can influence prices substantially.

Insuring your vehicle with the best car insurance company is hard considering how many companies are available to choose from in Ohio. The company rank data in the lists below may help you decide which auto insurance companies to look at shopping your coverage with. The ratings below include insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in Ohio or surrounding areas are not factored into the list.

Rate increases following a ticket or accident

The common sense way to snag cheap car insurance for infrequent drivers in Ohio is to drive attentively and avoid accidents and traffic citations. The diagram below illustrates how traffic citations and accident claims can raise premium costs for each different age group. The price estimates are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

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The data above shows the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,390. Get written up for one speeding ticket and the average cost swells to $1,596, an increase of $206 each year. Now add two accidents along with the one speeding ticket and the 12-month cost of insurance for infrequent drivers goes up to an average of $3,363. That’s an increase of $1,973, or $164 per month, just for a couple of infractions!