Best Cheap Car Insurance for Uninsured Drivers in Ohio

For drivers with no prior coverage, one of the largest considerations that determine auto insurance rates is where your residence is in Ohio. Areas that are densely populated or have higher claim frequency like Cleveland, Youngstown, and Euclid tend to pay more, whereas areas with less congestion have the luxury of lower rates.

The information below ranks the most expensive areas in Ohio for uninsured drivers to purchase auto insurance in.

Table data uses estimated as the specific garaging location can lower or raise auto insurance rates noticeably.

The safety and performance level of the vehicle that is being insured is a significant factor when shopping for the best cheap coverage for uninsured drivers. Vehicles with high performance engines, poor passenger safety features, or a high likelihood of having liability claims will cost more to insure than safer, lower-performance models. The tables below outlines insurance premiums for a selection of the most budget-friendly automobiles to insure.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Prices do not factor in specific location information which can lower or raise price quotes substantially.

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in vehicle location which can revise coverage rates greatly.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in specific Ohio garaging location which can revise coverage prices greatly.

Discounts on Ohio car insurance

Insurance companies that provide the best cheap car insurance for uninsured drivers in Ohio may additionally offer policy discounts that can reduce rates by 35% or more if you are eligible. Larger car insurance companies and some of the discounts are detailed below.

The example below illustrates the difference between insurance premiums with and without discounts. The premiums assume a female driver, no accidents or driving violations, Ohio state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with accident-free, marriage, multiple vehicle, anti-theft, claim-free, and defensive driving course discounts applied. When drivers take advantage of discounts, the average savings per year on car insurance for uninsured drivers is % or $.

Tickets and at-fault accidents raise rates

In a perfect world, the ideal way to score the best car insurance premiums in Ohio for drivers with no prior coverage is to be an attentive driver and have a clean driving record. The information below highlights how speeding tickets and at-fault collisions increase insurance costs for different age groups. Data assumes a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

In the example above, the average cost of car insurance in Ohio per year with no accidents or violations is $992. Get one speeding ticket and the average cost surges to $1,125, an increase of $133 each year. Then throw in two accidents along with the one speeding ticket and the yearly cost of car insurance for uninsured drivers increases to an average of $2,329. That’s an increase of $1,337, or $111 per month, just for being a less-than-perfect driver!

How to find more affordable insurance for uninsured drivers

It is possible to find better rates, and here are some money-saving solutions that can help Ohio drivers find low-cost car insurance.

• Buy a vehicle with excellent safety ratings
• Accidents can significantly increase rates
• If possible, pay for small claims out-of-pocket
• Remove physical damage coverage on older vehicles
• Save money by insuring your home and auto with the same company
• Avoid getting tickets or violations
• Compare rates once a year for cheaper prices

The last idea is incredibly necessary, as we stressed in the prior article. Auto insurance prices fluctuate considerably, so don’t be unwilling to switch to a new company if a more affordable rate is found. Many drivers have brand loyalty and that’s fine, but is isn’t recommended if it’s costing you major coinage every year. Take a few minutes and compare prices to find cheaper car insurance for uninsured drivers.