The words “low-cost” and “insurance” probably shouldn’t be used together, in particular when you are trying to find the cheapest auto insurance for hybrid vehicles. Because it’s so expensive, let’s get started by showing you some things that significantly impact car insurance prices, and find a few ways to take a little off the next policy you buy.
The type of vehicle requiring coverage is probably the largest consideration that determines whether or not you can buy the most affordable insurance for hybrid vehicles. Vehicles with reasonable performance levels, a plethora of safety features, or a low likelihood of liability claims will cost significantly less to insure than higher performance models. The next table outlines car insurance costs for a number of the cheaper vehicles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,403 |
| Ford Escape XLS 2WD | $1,409 |
| Toyota Tacoma Double Cab 4WD | $1,446 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,521 |
| Toyota Camry SE | $1,529 |
| Honda Odyssey LX | $1,544 |
| Dodge Ram Crew Cab TRX 2WD | $1,579 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,629 |
| Toyota RAV4 4WD | $1,659 |
| Chevrolet Equinox LT AWD | $1,664 |
| Toyota Prius | $1,664 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $1,679 |
| Ford Explorer XLT 4WD | $1,682 |
| Dodge Grand Caravan SXT | $1,689 |
| Chevrolet Malibu LT | $1,698 |
| Get a Custom Quote Go | |
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in specific location which can alter coverage prices significantly.
Looking at the numbers, we can tell that vehicles like the Honda CR-V, Ford Escape, and Toyota Tacoma will be a few of the most economical vehicles to insure for hybrids.
For hybrids, one of the more important criteria that determine car insurance rates is where you normally keep your vehicle. Cities with larger populations or higher claim trends tend to have more expensive auto insurance rates, whereas areas with less crime or weather claims have the luxury of cheap car insurance rates.
The illustration below shows the most expensive cities in Ohio for hybrid vehicles to purchase auto insurance in. Columbus is ranked #5 with an annual cost of $1,199 for car insurance, which is about $100 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Youngstown | $1,285 |
| 2 | Toledo | $1,241 |
| 3 | Cleveland | $1,235 |
| 4 | Cincinnati | $1,210 |
| 5 | Columbus | $1,199 |
| 6 | Euclid | $1,175 |
| 7 | Cleveland Heights | $1,166 |
| 8 | Dayton | $1,142 |
| 9 | Hamilton | $1,135 |
| 10 | Akron | $1,123 |
| 11 | Springfield | $1,105 |
| 12 | Canton | $1,091 |
| 13 | Newark | $1,085 |
| 14 | Middletown | $1,066 |
| 15 | Fairfield | $1,053 |
| 16 | Kettering | $1,040 |
| 17 | Strongsville | $1,031 |
| 18 | Lakewood | $1,031 |
| 19 | Parma | $1,027 |
| 20 | Cuyahoga Falls | $1,027 |
| 21 | Beavercreek | $1,027 |
| 22 | Mentor | $1,008 |
| 23 | Mansfield | $1,002 |
| 24 | Lorain | $985 |
| 25 | Elyria | $975 |
| Quote Best Rates Go | ||
Table data uses approximated as specific Columbus garaging address can change prices significantly.
Impact of careless driving on Columbus insurance rates
The common sense way to find cheap insurance rates in Columbus for hybrids is to be a safe driver and avoid traffic citations and accidents. The chart below shows how traffic citations and accidents can drive up car insurance costs for each age group. The information is based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.
In the prior example, the average cost of car insurance per year with no violations or accidents is $1,373. Receive two speeding tickets and the average cost increases to $1,956, an increase of $583 each year. Now include two accidents along with the two speeding tickets and the annual cost of insurance for hybrid vehicles goes up to an average of $4,011. That’s an increase of $2,638, or $220 per month, just for not driving attentively!
Best insurance in Ohio
Ending up with the right auto insurance provider is hard considering how many choices there are in Ohio. The company rank data displayed below may help you choose which insurers you want to consider when trying to find cheaper insurance for hybrid vehicles.
These rankings only include the companies with a significant amount of written premium nationwide, so companies that focus mainly on Ohio business are not factored into this list. If you’d like to compare prices from these and other top-rated companies, simply click here.
Top 10 Large Auto Insurance Providers Overall in Columbus
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
The Columbus car insurance agencies listed below are a good start to answer your questions and help you decide which policy fits your needs best, since some drivers aren’t sure which coverage they need and prefer to get some help when shopping for cheaper insurance for hybrids. It can be complicated to find the best policy yourself, and a licensed agent can bring satisfaction knowing you have sufficient coverage at claim time.
To locate a Columbus auto insurance agent closest to you, click the link after the list or click here to compare price quotes.
American Family Insurance – Yelena Uchiteleva Agency LLC
233 S Hamilton Rd – Columbus, OH 43213 – (614) 235-1702
Nationwide Insurance: Robert L Smith
4942 Reed Rd – Columbus, OH 43220 – (614) 451-2232
Associated Insurance Agency – Pickerington
12927 Stonecreek Dr – Pickerington, OH 43147 – (614) 866-6060
Ansong Insurance Agency
5272 Cleveland Ave – Columbus, OH 43231 – (614) 259-3635
View more Columbus, OH insurance agencies
Ideas for buying economical insurance for hybrid vehicles
The list below shows some money-saving solutions that can help drivers find cheap coverage.
- Better credit rating means better rates
- Prevent rate increases by staying accident-free
- Discounts for being claim-free can be substantial
- Drive vehicles with five-star safety ratings
- Be a cautious driver
- Keep rates low by shopping around frequently
The last idea is particularly crucial, as we discussed in this article. Prices vary considerably, so drivers shouldn’t be resistant to switch carriers if a more affordable price is available.
Many consumers stick with the same company and that’s fine, but it’s not recommended if that dedication is costing a considerable chunk of change every month. If you have a few minutes, compare rates to find cheaper insurance for hybrid vehicles in Columbus.