Establishing which company has the lowest-priced auto insurance rates for active military will require a bit more effort than just comparing a company or two. Every insurance company has their own guidelines to determine rates, so let’s rank the auto insurance companies with the overall best prices in Ohio.
It’s important that readers know that Ohio auto insurance rates are influenced by many factors that will increase or decrease your annual premium. Improving your credit score, getting married, or getting a speeding ticket can trigger changes in premium that can now make some companies much cheaper than others.
Find Cheaper Auto Insurance for Military
Rank | Company | Cost Per Year |
---|---|---|
1 | Utica National | $654 |
2 | Erie | $687 |
3 | Allied | $690 |
4 | Frankenmuth | $708 |
5 | USAA | $711 |
6 | Travelers | $733 |
7 | Merchants Insurance Group | $748 |
8 | Cincinnati Insurance | $772 |
9 | Motorists Mutual | $800 |
10 | Grange Mutual | $812 |
11 | General Casualty | $837 |
12 | Hastings Mutual | $866 |
13 | Central Mutual | $874 |
14 | State Farm | $894 |
15 | Atlantic States | $931 |
16 | Westfield | $946 |
17 | Western Reserve | $961 |
18 | Progressive | $991 |
19 | Auto-Owners | $998 |
20 | Farmers | $1,005 |
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Utica National offers some of the best car insurance rates in Ohio at around $654 per year. Erie, Allied, Frankenmuth, and USAA also qualify as some of the best Ohio car insurance companies.
As illustrated above, if you currently buy coverage from Erie and switched to Utica National, you could realize an annual savings of in the vicinity of $33. Ohio drivers with Allied might save as much as $36 a year, and Frankenmuth insureds might lower prices by up to $54 a year.
To find cheap auto insurance for active military in Ohio for your vehicle, click here to start your free quote or quote prices from the following companies.
These policy rates are averages across all types of insureds and vehicles and and are not calculated with a rate decrease for active military. So the car insurance company that can offer you the best rate may not even be in the list above. That point stresses why you need to compare prices as often as possible using your own driver information and specific vehicle type.
When shopping for the cheapest auto insurance for military personnel, one of the many criteria that is used by auto insurance companies to calculate car insurance rates is where you live. Regions with more people or even just more weather-related claims like Youngstown, Cleveland, and Cleveland Heights tend to have higher rates, whereas areas with less congestion tend to receive cheaper rates.
The information below rates the highest-priced places in Ohio for active military to purchase car insurance in.
Rank | City | Premium Per Year |
---|---|---|
1 | Youngstown | $1,285 |
2 | Toledo | $1,279 |
3 | Cleveland | $1,259 |
4 | Cincinnati | $1,222 |
5 | Cleveland Heights | $1,214 |
6 | Columbus | $1,199 |
7 | Akron | $1,157 |
8 | Euclid | $1,140 |
9 | Dayton | $1,108 |
10 | Hamilton | $1,102 |
11 | Fairfield | $1,085 |
12 | Newark | $1,085 |
13 | Springfield | $1,072 |
14 | Canton | $1,069 |
15 | Middletown | $1,055 |
16 | Beavercreek | $1,047 |
17 | Strongsville | $1,041 |
18 | Lakewood | $1,041 |
19 | Parma | $1,037 |
20 | Kettering | $1,020 |
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Table data uses estimated as the specific zip code location can raise or lower coverage prices considerably.
We all have different tastes in cars, and the vehicle to be insured is a large factor that determines whether or not you find cheaper insurance for active military. Vehicles with lower acceleration and performance, good crash test ratings, or a track record of few liability claims will cost significantly less to insure than fast, unsafe models.
The tables below outlines auto insurance premiums for the more afforable automobiles to buy insurance for.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Malibu LS | $588 | $294 | $49 |
Ford Focus SE 2-Dr Coupe | $660 | $330 | $55 |
Ford Fusion SEL AWD 4-Dr Sedan | $674 | $337 | $56 |
Honda Accord LX 4-Dr Sedan | $496 | $248 | $41 |
Hyundai Elantra SE Touring Station Wagon | $540 | $270 | $45 |
Hyundai Sonata Limited 4-Dr Sedan | $674 | $337 | $56 |
Nissan Altima 3.5 SR 4-Dr Sedan | $632 | $316 | $53 |
Toyota Camry XLE | $618 | $309 | $52 |
Toyota Corolla S | $618 | $309 | $52 |
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Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Information does not factor in specific location information which can decrease or increase prices greatly.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Acura MDX with Tech/Entertainment 4WD | $644 | $322 | $54 |
Chevrolet Traverse LS AWD | $522 | $261 | $44 |
Ford Escape Limited 4WD | $540 | $270 | $45 |
Ford Explorer Limited 4WD | $602 | $301 | $50 |
GMC Acadia SL AWD | $556 | $278 | $46 |
Honda CR-V LX 2WD | $496 | $248 | $41 |
Honda Fit Sport | $480 | $240 | $40 |
Honda Pilot Touring 2WD | $602 | $301 | $50 |
Hyundai Tucson Limited 4WD | $588 | $294 | $49 |
Jeep Grand Cherokee SRT-8 4WD | $632 | $316 | $53 |
Lexus RX 350 4WD | $716 | $358 | $60 |
Nissan Pathfinder SE 4WD | $556 | $278 | $46 |
Toyota Highlander SE 4WD | $644 | $322 | $54 |
Toyota RAV4 Limited 4WD | $588 | $294 | $49 |
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Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rates do not factor in specific garaging location which can increase or decrease premium rates noticeably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Colorado LT Crew Cab 4WD | $540 | $270 | $45 |
Chevrolet Silverado LS Extended Cab 2WD | $630 | $315 | $53 |
Dodge Ram 3500 Mega Cab Laramie 2WD | $686 | $343 | $57 |
Dodge Ram Quad Cab Laramie 4WD | $716 | $358 | $60 |
Ford F-150 Lariat Crew Cab Platinum 2WD | $632 | $316 | $53 |
Ford F-350 Super Cab XLT Turbo Diesel 2WD | $686 | $343 | $57 |
GMC Sierra 2500HD SLT Crew Cab 4WD | $662 | $331 | $55 |
GMC Sierra SLE Crew Cab 4WD | $632 | $316 | $53 |
Toyota Tacoma 4WD | $556 | $278 | $46 |
Toyota Tundra SR/5 Double Cab 4WD | $644 | $322 | $54 |
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Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price estimates do not factor in specific location which can affect rates greatly.
The diagram below shows how choosing a deductible can change premium costs when researching cheap insurance for active military. The premiums assume a married female driver, full coverage, and no discounts are taken into consideration.
google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 1919,1759,1575,1403],[‘Age 30’, 1341,1223,1091,963],[‘Age 40’, 1329,1215,1087,963],[‘Age 50’, 1167,1069,957,851],[‘Age 60’, 1111,1019,911,809],[‘Age 70’, 1205,1101,989,885]]);var options = {title: ‘Effect of Higher Deductibles on Auto Insurance Cost in Ohio’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}
The chart above illustrates that a 40-year-old driver could reduce rates by $210 a year by changing from a $100 deductible to a $500 deductible, or save $316 by switching to a $1,000 deductible. Youthful drivers, like the age 20 example, could roll back prices up to $516 or more just by using higher deductibles. If you do decide to increase your deductibles, it is necessary to have additional funds squirreled away to allow you to pay the extra out-of-pocket expense that is associated with using high deductibles.