Best Cheap Auto Insurance for State Employees in Ohio

This article would sure be shorter if we could simply tell you the one company that has the cheapest coverage in Ohio. Regrettably, it’s not quite that easy, as there are a lot of unknowns like how safe your vehicle is, your financial responsibility, and the amount of liability coverage you need, that all factor into the price you pay. In this article, we will teach you about the best ways to pay less and will give you a good beginning to your search for cheaper coverage.

For Ohio drivers, one of the considerations used to calculate the price you pay for insurance is where your car is garaged in Ohio. Cities that have higher claim levels or more people like Toledo, Cleveland, and Columbus will most likely have higher rates, whereas less populated areas benefit from having to pay less for coverage.

The illustration below lists the more expensive cities in Ohio for state employees in which to purchase auto insurance.

Information shown are estimated as vehicle location can change coverage prices noticeably.

The make and model of vehicle needing coverage is probably the most important factor when trying to find the best cheap car insurance for state employees in Ohio. Vehicles with reasonable performance levels, good safety features, or low incidents of liability claims will cost substantially less to insure than adrenaline junky models.

The list below ranks insurance costs for some of the cheapest automobiles to buy coverage for.

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rate quotes do not factor in your specific Ohio location which can modify insurance rates greatly.

Based upon the rates shown, you can see that makes and models like the Honda Accord, Ford Escape, Hyundai Elantra, Honda CR-V, and Toyota Tacoma are most likely going to be some of the most economical vehicles to insure for state workers.

Finding out which company offers the lowest-priced insurance rates for state employees will require more time in order to find the lowest price.

Each insurer has their own guidelines to set policy rates, so let’s take a look at the most competitive insurance companies in Ohio.

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Utica National offers some of the lowest car insurance rates in Ohio at around $654 annually. Erie, Frankenmuth, Allied, and Travelers also are some of the lowest-priced Ohio car insurance companies.

As the example above demonstrates, if you buy coverage from Frankenmuth and switched to Utica National, you might see an annual savings of in the neighborhood of $33. Ohio drivers with Allied may save as much as $43 a year, and Travelers policyholders might reduce prices by as much as $51 a year.

To find the best cheap car insurance for state employees in Ohio for your vehicle, click here to get a free quote or quote prices from the following companies.

It’s important to note that these estimates are averaged for all types of drivers and the different vehicles they drive and do not take into consideration a rate discount for state employees. So the company that can offer you the lowest price may not even be featured in the rate chart shown above. That points out the importance of why you need to get quotes using your own specific driver information and vehicle.

Progressive, Geico, Allstate, and State Farm: Who is best?

When it comes to auto insurance for state workers, four of the larger companies to compare rates for are Progressive, Geico, Allstate, and State Farm. If you put them all together, they insure over 48% of all policies written in the United States. The next table compares ratings for price and service, as well as some optional coverages that you can purchase from each one.