The words “low-cost” and “insurance” really shouldn’t be used together, especially when you are looking for the cheapest coverage for felons. Because of the high cost, let’s go over some situations that help determine auto insurance prices, and see how we can help you lower the price of your next policy.
Trying to find low-priced insurance is tough enough, and deciding which company has the lowest-priced auto insurance rates for felons calls for a bit more work. Each auto insurance company uses their own calculation to set policy rates, so first we will examine the most budget-friendly auto insurance companies in Columbus.
Find the Cheapest Auto Insurance for Felons
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $654 |
| 2 | Erie | $681 |
| 3 | Frankenmuth | $687 |
| 4 | Allied | $697 |
| 5 | USAA | $711 |
| 6 | Travelers | $726 |
| 7 | Merchants Insurance Group | $748 |
| 8 | Cincinnati Insurance | $756 |
| 9 | Motorists Mutual | $792 |
| 10 | Grange Mutual | $804 |
| 11 | General Casualty | $829 |
| 12 | State Farm | $867 |
| 13 | Central Mutual | $874 |
| 14 | Hastings Mutual | $884 |
| 15 | Atlantic States | $904 |
| 16 | Westfield | $908 |
| 17 | Western Reserve | $961 |
| 18 | Progressive | $962 |
| 19 | Nationwide | $988 |
| 20 | Auto-Owners | $998 |
| Find Your Rate Go | ||
Utica National may offer some of the best car insurance rates in Columbus at around $654 annually. Erie, Frankenmuth, Allied, and USAA would also be considered some of the cheapest Columbus, OH auto insurance companies.
As shown in the table above, if you are currently insured with USAA and switched to Erie, you might realize annual savings of approximately $30. Policyholders with Travelers may save as much as $45 a year, and Merchants Insurance Group policyholders might lower prices by up to $67 a year.
Be aware that those prices are averaged for all ages of drivers and types of vehicles and and are not calculated with a specific location for felons. So the company that fits you best may not even be in the list above. That underscores the importance of why you need to get rate quotes using your own driver data and vehicle information.
For felons, one of the more important criteria that are looked at to determine the amount you pay for auto insurance is where your car is garaged in Columbus. Cities with larger populations are more likely to pay higher prices, whereas areas with less people or fewer weather incidents benefit from lower coverage costs.
The next table sorts the priciest cities in Ohio for felons in which to buy car insurance. Columbus makes the list at #5 with the annual price of $1,211 for coverage, which is approximately $101 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Youngstown | $1,285 |
| 2 | Cleveland | $1,272 |
| 3 | Toledo | $1,229 |
| 4 | Cleveland Heights | $1,214 |
| 5 | Columbus | $1,211 |
| 6 | Cincinnati | $1,186 |
| 7 | Euclid | $1,164 |
| 8 | Hamilton | $1,135 |
| 9 | Akron | $1,123 |
| 10 | Dayton | $1,108 |
| 11 | Fairfield | $1,095 |
| 12 | Springfield | $1,094 |
| 13 | Canton | $1,091 |
| 14 | Newark | $1,063 |
| 15 | Lakewood | $1,063 |
| 16 | Beavercreek | $1,058 |
| 17 | Kettering | $1,040 |
| 18 | Mansfield | $1,032 |
| 19 | Middletown | $1,024 |
| 20 | Lorain | $1,015 |
| 21 | Strongsville | $1,011 |
| 22 | Mentor | $1,008 |
| 23 | Cuyahoga Falls | $1,007 |
| 24 | Parma | $997 |
| 25 | Elyria | $965 |
| Find Cheaper Insurance Go | ||
Annual rates are comparative as the specific Columbus residence address can influence premiums substantially.
Get discounts on Columbus car insurance rates
Insurance providers that sell policies for felons may also offer policy discounts that may potentially lower prices by 25% or more if you are eligible to receive them. A list of companies and some of the discounts are:
- State Farm has discounts for good driver, driver’s education, Steer Clear safe driver discount, good student, multiple autos, and student away at school.
- GEICO may have discounts that include anti-theft, multi-policy, good student, seat belt use, five-year accident-free, and multi-vehicle.
- Allstate may offer discounts for anti-theft, EZ pay plan discount, eSmart discount, premier discount, and resident student.
- SAFECO policyholders can earn discounts including multi-car, homeowner, teen safe driver, bundle discounts, anti-lock brakes, and safe driver.
- Farm Bureau has savings for safe driver, good student, renewal discount, multi-vehicle, driver training, youthful driver, and 55 and retired.
- Progressive offers premium reductions for homeowner, online signing, online quote discount, good student, multi-vehicle, and continuous coverage.
- AAA may include discounts for good driver, AAA membership discount, multi-car, good student, anti-theft, pay-in-full, and education and occupation.
The information below illustrates the difference between insurance prices with and without policy discounts. The rates are based on a male driver, no violations or claims, Ohio state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with vehicle safety, multiple vehicle, multiple policy, safe-driver, claim-free, and defensive driving course discounts applied. When these discounts are applied, theaverage yearly reduction on auto insurance for felons is 27% or $358.
The information below shows how different deductible levels can increase or decrease insurance costs when trying to find cheap insurance for felons. The rate quotes are based on a married male driver, full physical damage coverage, and no policy discounts are applied.
In the chart above, a 40-year-old driver could cut expenses by $190 a year by increasing from a $100 deductible to a $500 deductible, or save $286 by using a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could possibly save up to $630 every year by selecting a higher deductible. When increasing deductibles, it will be important to have enough savings to be able to pay the extra out-of-pocket expense that comes with higher deductibles.
Cautious drivers save money
The recommended way to maintain the best auto insurance premiums in Columbus for felons is to be a good driver and avoid at-fault accidents and violations. The illustration below illustrates how speeding tickets and fender-benders influence auto insurance costs for different insured age categories. The price estimates are based on a single female driver, full coverage, $250 deductibles, and no additional discounts are factored in.
In the example above, the average cost of an auto insurance policy in Ohio per year with no violations or accidents is $1,141. Receive one speeding ticket and the average cost hikes up to $1,293, an increase of $152 each year. Next add one accident along with the one speeding ticket and the annual cost of auto insurance for felons increases to an average of $1,713. That’s an increase of $572, or $48 per month, just for not being attentive to the road!