Writing this article would sure be easy if we could just tell you the company that has the cheapest rate quotes in Ohio. It’s just not that easy, however, as there are a ton of unknowns such as if you are a homeowner or renter, if you want the added protection of full coverage, what physical damage coverage deductibles you want, and if you are a man or woman. We will attempt to cover the best ways to find cheap auto insurance and also should give you a good start in finding the cheapest car insurance in Columbus.
Finding good, low-priced car insurance is not easy, and finding out which company offers the cheapest insurance rates for 20 year old women takes even more diligence. Each auto insurance company uses a slightly different approach to set their prices, so first let’s look at the rankings for the insurance companies that tend to have lower prices in Columbus.
Find the Cheapest Car Insurance for Women Age 20
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $647 |
| 2 | Erie | $681 |
| 3 | Frankenmuth | $687 |
| 4 | Allied | $690 |
| 5 | Travelers | $712 |
| 6 | USAA | $741 |
| 7 | Merchants Insurance Group | $771 |
| 8 | Cincinnati Insurance | $772 |
| 9 | Motorists Mutual | $800 |
| 10 | Grange Mutual | $828 |
| 11 | General Casualty | $829 |
| 12 | Central Mutual | $848 |
| 13 | Hastings Mutual | $858 |
| 14 | State Farm | $867 |
| 15 | Westfield | $918 |
| 16 | Atlantic States | $931 |
| 17 | Auto-Owners | $958 |
| 18 | Western Reserve | $970 |
| 19 | Progressive | $982 |
| 20 | Nationwide | $998 |
| View More Rates Go | ||
Utica National normally has some of the most affordable car insurance rates in Columbus at around $647 per year. This is $393 less than the average price paid by Ohio drivers of $1,040. Erie, Frankenmuth, Allied, and Travelers also qualify as some of the cheaper Columbus, OH auto insurance companies.
As shown above, if you are a policyholder with Travelers and switched to Erie, you might realize an annual savings of roughly $31. Ohio drivers with USAA might save as much as $60 a year, and Merchants Insurance Group policyholders might lower prices by up to $90 a year.
To find cheaper insurance rates for your vehicle, click here to start your free quote or feel free to get quotes from the companies below.
Be aware that those policy rates are averages across all types of insureds and vehicles and and are not calculated with an exact zip code location for 20 year old women. So the car insurance company that can offer you the best rate may not even be in the top 33 companies shown above. That’s why you need to compare rates from as many companies as possible using your own driver data and vehicle information.
For young women, one of the more important components that are looked at to help calculate auto insurance rates is where you choose to live in Columbus. More populated areas tend to pay more, whereas less populated areas tend to receive slightly lower rates.
The information below rates the most expensive places in Ohio for 20 year old women in which to buy car insurance. Columbus ranks #1 with an annual cost of $1,247 for car insurance, which is approximately $104 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Columbus | $1,247 |
| 2 | Youngstown | $1,235 |
| 3 | Toledo | $1,229 |
| 4 | Cleveland | $1,222 |
| 5 | Euclid | $1,175 |
| 6 | Cincinnati | $1,174 |
| 7 | Cleveland Heights | $1,166 |
| 8 | Akron | $1,157 |
| 9 | Dayton | $1,154 |
| 10 | Hamilton | $1,113 |
| 11 | Fairfield | $1,095 |
| 12 | Springfield | $1,072 |
| 13 | Newark | $1,063 |
| 14 | Canton | $1,058 |
| 15 | Beavercreek | $1,058 |
| 16 | Lakewood | $1,041 |
| 17 | Middletown | $1,035 |
| 18 | Lorain | $1,015 |
| 19 | Strongsville | $1,011 |
| 20 | Kettering | $1,009 |
| Find Cheaper Insurance Go | ||
Premium amounts are comparative as zip code location can change coverage rates significantly.
The chart below shows how choosing a deductible can affect insurance rates when researching cheap insurance for 20 year old women. The premiums assume a single female driver, full coverage, and no discounts are factored in.
The chart above illustrates that a 30-year-old driver could lower their policy premium by $206 a year by switching from a $100 deductible up to a $500 deductible, or save $312 by using a $1,000 deductible. Even younger drivers, like the 20-year-old, could save $456 or more by choosing a higher deductible. When insureds make the decision to increase the deductibles on their policy, it is essential to have enough savings set aside to offset the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Impact of speeding/accidents on insurance rates
The obvious way to find affordable insurance rates in Columbus for young women is to drive carefully and maintain a clean driving record. The diagram below shows how violations and at-fault collisions impact auto insurance rates for each different age group. Data assumes a married male driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.
The data above shows the average cost of car insurance in Ohio per year with a clean driving record and no accidents is $1,390. Get two speeding tickets and the average cost swells to $1,919, an increase of $529 each year. Then add in two accidents along with the two speeding tickets and the annual cost of insurance for 20 year old women goes up to an average of $3,855. That’s an increase of $2,465, or $205 per month, just for not driving attentively!
Finding the right car insurance company can be a challenge considering how many different insurance companies sell coverage in Columbus. The ranking information shown next can help you pick which coverage providers to look at when comparing insurance rates for 20 year old women. The rankings below only 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 included in this list.
Top 10 Large Auto Insurers in Columbus Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Erie Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- Allstate
- 21st Century
- Travelers
Top 10 Large Auto Insurers in Columbus Ranked by Customer Satisfaction
- USAA – 92%
- Erie Insurance – 88%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- AAA Insurance – 87%
- Liberty Mutual – 87%
- Farmers Insurance – 87%
- The Hartford – 87%
How to find budget-friendly car insurance for 20 year old women
The list below details some of the recommended penny-pinching ideas that can help Columbus drivers locate low-cost auto insurance.
- Do not pay for comprehensive and collision coverage on older vehicles
- Do not file small claims
- Higher credit scores can equal lower rates
- Buy your auto and home insurance from the same company and save
- Raise deductibles
- Choose a safer vehicle and pay lower rates
- Ensure you have the best deal by shopping around regularly
The last tip is very necessary, as we hit on in this write-up. Auto insurance rates in Columbus vary greatly, so don’t be unwilling to switch companies if a more affordable rate is found.
Brand loyalty is not necessarily bad, but it’s not a good idea if that loyalty ends up costing hundreds of dollars a year. Now is a great time to compare rates and find cheaper insurance for 20 year old women.
The agents below can answer your questions and help you decide which auto insurance policy fits you best, since some people have coverage questions and would like to have a consultation when comparing insurance rates for 20 year old women. It’s not always simple to do it yourself, and a professional agent can provide comfort knowing you have sufficient coverage for your assets.
To find an auto insurance agency closest to you, click the button at the bottom.
- Jonathan Yu – State Farm Insurance Agent
1930 Crown Park Ct #140 – Columbus, OH 43235 – (614) 885-9507 - Nationwide Insurance – Nick Miller and Assoc Ins Agency Inc
6834 Caine Rd – Columbus, OH 43235 – (614) 889-0701 - Nikki Ogunduyile – State Farm Insurance Agent
20 S 3rd St #210 – Columbus, OH 43215 – (614) 274-7130