The words “low-priced” and “insurance” really shouldn’t be used together, in particular when trying to find the best price on coverage for drivers under 25. Because of the high cost, let’s introduce you to some things that can significantly affect car insurance rates, and see if you can lower the cost of your next policy.
For drivers age 25 and younger, one of the big factors that are looked at to help calculate the amount you pay each year for auto insurance is your zip code in Columbus. Areas with increased crime or more people tend to pay more, whereas areas with less people or fewer weather incidents have the benefit of cheaper car insurance.
The next table sorts the priciest cities in Ohio for drivers under 25 to buy car insurance in. Columbus comes in at #5 with an annual rate of $1,199 for the average policyholder, which is about $100 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Youngstown | $1,247 |
| 2 | Toledo | $1,229 |
| 3 | Cleveland | $1,222 |
| 4 | Cleveland Heights | $1,214 |
| 5 | Columbus | $1,199 |
| 6 | Cincinnati | $1,174 |
| 7 | Akron | $1,169 |
| 8 | Dayton | $1,142 |
| 9 | Euclid | $1,140 |
| 10 | Hamilton | $1,113 |
| 11 | Canton | $1,091 |
| 12 | Fairfield | $1,063 |
| 13 | Springfield | $1,061 |
| 14 | Newark | $1,053 |
| 15 | Beavercreek | $1,047 |
| 16 | Lakewood | $1,031 |
| 17 | Cuyahoga Falls | $1,027 |
| 18 | Middletown | $1,024 |
| 19 | Kettering | $1,020 |
| 20 | Mentor | $1,008 |
| 21 | Parma | $1,007 |
| 22 | Strongsville | $1,001 |
| 23 | Mansfield | $992 |
| 24 | Lorain | $985 |
| 25 | Elyria | $975 |
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Rate quotes are comparative as the specific garaging location can impact premiums considerably.
Figuring out which insurers offer the best car insurance rates for drivers under 25 takes a little more sweat than just comparing a company or two.
Every car insurance company has a unique approach for determining rates, so let’s look at the rankings for the car insurance companies that tend to have lower prices in Columbus, OH. It’s a good idea to be aware that Ohio car insurance rates are impacted by many things that can increase the cost of your policy. Simply turning a year older, increasing liability limits, or getting a couple of tickets may generate price changes resulting in some rates now being much cheaper than others.
Lowest Insurance Price Quotes for Young Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $654 |
| 2 | Allied | $669 |
| 3 | Erie | $687 |
| 4 | Frankenmuth | $687 |
| 5 | Travelers | $712 |
| 6 | USAA | $719 |
| 7 | Merchants Insurance Group | $755 |
| 8 | Cincinnati Insurance | $779 |
| 9 | Motorists Mutual | $792 |
| 10 | Grange Mutual | $804 |
| 11 | General Casualty | $805 |
| 12 | Central Mutual | $840 |
| 13 | State Farm | $858 |
| 14 | Hastings Mutual | $893 |
| 15 | Westfield | $918 |
| 16 | Atlantic States | $940 |
| 17 | Progressive | $962 |
| 18 | Auto-Owners | $968 |
| 19 | Western Reserve | $970 |
| 20 | Nationwide | $988 |
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Utica National offers some of the best car insurance rates in Columbus at around $654 a year. This is $386 less than the average price paid by Ohio drivers of $1,040. Allied, Erie, Frankenmuth, and Travelers also make the cut as some of the cheapest Columbus, OH insurance companies.
As the rates illustrate above, if you currently buy coverage from Allied and switched to Utica National, you might achieve an annual premium reduction of in the neighborhood of $15. Drivers with Erie could save as much as $33 a year, and Frankenmuth insureds might reduce rates by $33 a year.
To find cheaper insurance rates for your vehicle, click here to start your free quote or visit any of the low-priced companies below.
Understand that those policy rates are averaged for all types of drivers and the different vehicles they drive and and are not calculated with a specific vehicle garaging location for drivers under 25. So the car insurance company that has the lowest price for you may not even be in the list above. That underscores the importance of why you need to get auto insurance quotes using your own driver and vehicle profiles.
Discounts on Columbus car insurance rates
Insurance providers that offer quotes for drivers under 25 could also offer price discounts that may potentially lower prices by 25% or more if you are eligible. Large car insurance companies and some of the discounts are outlined below.
- Progressive may offer discounts for homeowner, good student, online quote discount, online signing, multi-policy, and continuous coverage.
- The Hartford policyholders can earn discounts including vehicle fuel type, anti-theft, defensive driver, air bag, driver training, bundle, and good student.
- Mercury Insurance offers discounts for professional/association, location of vehicle, good driver, type of vehicle, age of vehicle, and good student.
- GEICO has discounts for multi-policy, emergency military deployment, federal employee, defensive driver, and five-year accident-free.
- AAA may have discounts that include AAA membership discount, pay-in-full, anti-theft, multi-policy, good student, multi-car, and education and occupation.
- State Farm has savings for good driver, safe vehicle, multiple policy, Drive Safe & Save, student away at school, Steer Clear safe driver discount, and defensive driving training.
The information below illustrates the comparison of premium costs with and without discounts. The premium estimates are based on a female driver, no accidents, no driving violations, Ohio state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with vehicle safety, passive restraint, paid-in-full, continuous coverage, good student, and paperless filing discounts applied. When drivers take advantage of discounts, the average savings per year on car insurance for drivers under 25 is 21% or $260.
Rate increases following a ticket or accident
The easiest way to enjoy low car insurance rates in Columbus for drivers age 25 and younger is to be a good driver and maintain a clean driving record. The example below illustrates how traffic citations and fender-benders influence car insurance rates for each different age group. The rates are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
The data charted above shows the average cost of car insurance in Ohio per year with a clean driving record and no accidents is $819. Get written up for one speeding ticket and the average cost hikes up to $941, an increase of $122 each year. Then add one accident along with the one speeding ticket and the yearly cost of car insurance for drivers under 25 jumps again to an average of $1,279. That’s an increase of $460, or $38 per month, just for not driving attentively!
The example below illustrates how your choice of deductibles can raise or lower insurance premiums when getting quotes for cheap insurance for drivers under 25. The premiums are based on a married female driver, comp and collision included, and no additional discounts are factored in.
A 40-year-old driver could reduce rates by $184 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $280 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old, could save $458 each year by choosing a higher deductible. If you do make the decision to raise your deductibles, it is important to have plenty of money set aside to offset the extra out-of-pocket expense that comes with higher deductibles.
If you would rather have some advice when comparing insurance rates for drivers age 25 and younger, the agents shown below are willing to provide answers to your questions and help you determine which coverages and limits you need.
To find an auto insurance agency using an interactive map, click the button below the list or click here to get price quotes now.
- John Dawson Associates
6025 Cleveland Ave – Columbus, OH 43231 – (614) 890-1660 - Gianna R Cone – State Farm Insurance Agent
1495 Morse Rd #100 – Columbus, OH 43229 – (614) 267-7865 - Franchise Insurance Agency, Inc.
4930 Reed Rd Suite 100 – Columbus, OH 43220 – (614) 451-2232 - Putnam White Lewis Insurance Agency
4161 N High St – Columbus, OH 43214 – (614) 267-1269 - Wendy Sams – State Farm Insurance Agent
9039 Antares Ave, Ste D-1A – Columbus, OH 43240 – (614) 985-6123
View more Columbus, OH insurance agents
How to find more affordable car insurance for drivers under 25
The list below summarizes some thrifty ideas that can help Ohio drivers quote low-cost auto insurance.
- Remain accident-free and save
- Increase the comprehensive and collision deductibles on your policy
- Speeding tickets and other violations increase rates
- Do not pay for comprehensive and collision coverage on older vehicles
- Clean up your credit rating
- The safer your car, the less it costs to insure
- Shop around and save
That last piece of advice is especially valuable, as was noted in this write-up. Auto insurance prices in Columbus change a lot, so don’t be unwilling to switch to a new company if a more affordable rate is found. Brand loyalty is not necessarily bad, but it’s not a good idea if that loyalty results in overpaying lots of hard earned cash every month. Take a few minutes and compare rates to find cheaper insurance for drivers under 25.