Wouldn’t it be nice if we could instantly tell you the one best company that has the cheapest policy rates for government employees? Regrettably, it’s not quite that easy, as there are a ton of unknown factors like what physical damage coverage deductibles you want, if you have ever let your policy lapse, and if you are a homeowner, that all have an effect on the price of a policy. If you keep reading, we will teach you about some of these things and will hopefully give you some help in finding cheaper rates.
Finding good, reasonably-priced car insurance is not the easiest thing to accomplish, and deciding which company has the best insurance rates for government employees will take a bit more work.
Every insurance company uses their own method for determining prices, so first we will examine the insurance companies with the overall best prices in Columbus. Keep in mind that Ohio insurance rates are calculated based on many things which can substantially change the policy price. That is why drivers need to do a thorough rate comparison to get affordable auto insurance quotes for government employees. Car insurance prices are impacted by many different factors and can increase or decrease at any time, so the lowest-price company a year ago may now be quite expensive.
Best Auto Insurance Prices in Ohio
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $647 |
| 2 | Erie | $661 |
| 3 | Allied | $669 |
| 4 | Frankenmuth | $680 |
| 5 | USAA | $711 |
| 6 | Travelers | $712 |
| 7 | Merchants Insurance Group | $748 |
| 8 | Cincinnati Insurance | $749 |
| 9 | Grange Mutual | $812 |
| 10 | Motorists Mutual | $816 |
| 11 | General Casualty | $837 |
| 12 | Central Mutual | $848 |
| 13 | State Farm | $858 |
| 14 | Hastings Mutual | $866 |
| 15 | Westfield | $908 |
| 16 | Atlantic States | $940 |
| 17 | Progressive | $962 |
| 18 | Western Reserve | $970 |
| 19 | Auto-Owners | $988 |
| 20 | Farmers | $995 |
| Get a Custom Quote Go | ||
Utica National generally has some of the lowest car insurance rates in Columbus at around $647 each year. Erie, Allied, Frankenmuth, and USAA are also some of the cheaper Columbus, OH insurance companies.
As shown above, if you buy coverage from Allied and switched to Utica National, you could see savings of upwards of $22. Policyholders with Frankenmuth may save as much as $33 a year, and USAA insureds might lower prices by $64 a year.
To discover how much you can save, click here to start your custom quote or quote rates from the companies below.
Remember that these prices are averaged across all types of drivers and the different vehicles they drive and do not factor in an exact vehicle garaging location for government employees. So the insurer that can offer you the lowest price may not even be in the list above. That is why you need to compare rates from multiple companies using your own driver and vehicle profiles.
The vehicle you are seeking coverage for is one of the biggest factors when comparison shopping for cheap car insurance for government employees. Vehicles with economical engines, an excellent safety record, or a positive history of liability claims will cost much less to insure than high performance models. The next table ranks auto insurance costs for a selection of the most economical vehicles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Edge SE 2WD | $1,331 |
| Dodge Grand Caravan CV | $1,358 |
| Honda CR-V EX-L 2WD | $1,360 |
| Ford Escape Limited 2WD | $1,408 |
| Ford Explorer Limited 2WD | $1,462 |
| Toyota Camry XLE | $1,512 |
| Toyota Corolla S | $1,520 |
| Toyota Prius | $1,517 |
| Jeep Grand Cherokee Limited 4WD | $1,539 |
| Chevrolet Equinox LS 2WD | $1,571 |
| Toyota RAV4 Limited 2WD | $1,576 |
| Honda Odyssey EX | $1,581 |
| Chevrolet Impala LS | $1,587 |
| Dodge Ram Quad Cab ST 2WD | $1,599 |
| Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD | $1,643 |
| Chevrolet Malibu LT | $1,653 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,656 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $1,691 |
| GMC Sierra SLE Regular Cab 4WD | $1,697 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,691 |
| Toyota Tacoma X-Runner 2WD | $1,693 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $1,698 |
| Chevrolet Silverado LS Crew Cab 4WD | $1,728 |
| Start a Quote Go | |
Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Prices do not factor in garaging location in Columbus, OH which can alter prices noticeably.
Based upon these rates, we can tell that cars like the Ford Edge, Dodge Grand Caravan, Honda CR-V, Ford Escape, and Ford Explorer should be some of the most economical vehicles to insure for state and federal workers.
How to get discounts on Columbus insurance
Insurance companies that provide policies for government employees may also offer premium discounts that could reduce prices by 25% or more if you meet certain criteria. A list of insurance companies and some of the premium reductions they offer are outlined below.
- 21st Century may have discounts that include early bird, automatic seat belts, 55 and older, good student, and theft prevention.
- State Farm may include discounts for safe vehicle, defensive driving training, Steer Clear safe driver discount, passive restraint, and good student.
- AAA offers discounts including good driver, anti-theft, education and occupation, multi-car, multi-policy, and AAA membership discount.
- Liberty Mutual discounts include new graduate, teen driver discount, newly retired, good student, safety features, new move discount, and preferred payment discount.
- Progressive policyholders can earn discounts including multi-vehicle, online quote discount, continuous coverage, online signing, multi-policy, and homeowner.
The illustration below illustrates the comparison of auto insurance costs with and without discounts applied to the policy premium. The price estimates are based on a female driver, no claims or driving violations, Ohio state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, multiple vehicle, anti-theft, multiple policy, vehicle safety, and safe-driver discounts applied. When drivers qualify for the discounts, the average savings per year on insurance for government employees is 28% or $421.
Impact of violations and accidents on rates
In a perfect world, the best way to score cheap insurance premiums for state and federal workers is to drive attentively and maintain a clean driving record. The example below illustrates how speeding tickets and at-fault fender-benders can impact insurance prices for each age group. The premiums assume a single male driver, comp and collision included, $100 deductibles, and no policy discounts are applied.
The data in the chart shows the average cost of an auto insurance policy in Columbus per year with no accidents or violations is $1,308. Get written up for one speeding ticket and the average cost hikes up to $1,473, an increase of $165 each year. Then add one accident along with the one speeding ticket and the 12-month cost of insurance for government employees jumps again to an average of $1,935. That’s an increase of $627, or $52 per month, just for not being attentive to the road!
Ideas for buying cheaper insurance for government employees
It’s not impossible to find cheaper rates, and here are a few thrifty ideas that can help you quote cheaper coverage.
- Safe vehicles generally have lower rates
- Clean up your credit
- Home or renters coverage can save on auto insurance
- Avoid accidents
- Do not waste money insuring older vehicles for full coverage
- Compare rates regularly to ensure the best deal
The last tip in the list is incredibly necessary, as we discussed in the article above. Coverage rates change constantly, so drivers shouldn’t hesitate to change to a new company if a more affordable price is available. Being loyal to a particular company is commendable, but it’s not a great idea if that loyalty ends up costing money that could be spent on other things. If you have a few minutes, now is a great time to compare prices and find cheaper car insurance for government employees in Columbus.
The Columbus, OH, insurance agents below can most likely help you decide which policy is best, since some people have coverage questions and would like to have a professional recommendation when comparing insurance rates for state and federal workers. It can be time-consuming to find the best rates on your own, and insurance agents licensed in the state of Ohio can provide you peace of mind knowing you have adequate coverage when you need it most. To find an agent close to where you live, click the button after the list.
John Dawson Associates
6025 Cleveland Ave – Columbus, OH 43231 – (614) 890-1660
Gary Bepler – State Farm Insurance Agent
3246 Noe Bixby Rd – Columbus, OH 43232 – (614) 837-4379
Gianna R Cone – State Farm Insurance Agent
1495 Morse Rd #100 – Columbus, OH 43229 – (614) 267-7865
Russell A Popp – State Farm Insurance Agent
2844 Johnstown Rd – Columbus, OH 43219 – (614) 471-5557