For off-road vehicles, one of the big components that determine the amount you pay for auto insurance is where your residence is. Regions with larger populations or more claims are more likely to have higher rates, whereas areas that tend to be more rural get the luxury of paying less.
The information below lists the most expensive places in Ohio for 4×4 vehicles to buy auto insurance in. Columbus comes in at #4 with the yearly price of $1,247 for the average insured, which is about $104 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Toledo | $1,279 |
| 2 | Cleveland | $1,259 |
| 3 | Youngstown | $1,247 |
| 4 | Columbus | $1,247 |
| 5 | Cleveland Heights | $1,214 |
| 6 | Cincinnati | $1,174 |
| 7 | Euclid | $1,164 |
| 8 | Akron | $1,157 |
| 9 | Dayton | $1,154 |
| 10 | Hamilton | $1,135 |
| 11 | Canton | $1,091 |
| 12 | Springfield | $1,072 |
| 13 | Fairfield | $1,063 |
| 14 | Newark | $1,063 |
| 15 | Beavercreek | $1,058 |
| 16 | Middletown | $1,055 |
| 17 | Cuyahoga Falls | $1,037 |
| 18 | Mansfield | $1,032 |
| 19 | Lakewood | $1,031 |
| 20 | Kettering | $1,020 |
| 21 | Strongsville | $1,011 |
| 22 | Lorain | $1,005 |
| 23 | Parma | $997 |
| 24 | Elyria | $995 |
| 25 | Mentor | $978 |
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Premium costs are estimated as the vehicle garaging location can decrease or increase coverage rates substantially.
Finding decent, low-priced car insurance is challenging, and deciding which company quotes the most affordable auto insurance rates for 4×4 vehicles will take even more rate comparisons.
Each auto insurance company has a unique approach for establishing rates, so we’ll take a look at the most affordable auto insurance companies in Columbus, OH. We do need to point out that Columbus auto insurance rates are impacted by many factors which can substantially decrease or increase the cost of having a policy. Price variation is why consumers need to shop around with many companies to get the most budget-friendly auto insurance quotes for 4×4 vehicles. Insurance rates are made up of many risk factors and change dramatically, so the cheapest company the last time you shopped around may now be costing you a lot of money.
Cheap Insurance Rates for 4×4’s
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $635 |
| 2 | Erie | $661 |
| 3 | Allied | $676 |
| 4 | Frankenmuth | $680 |
| 5 | Travelers | $705 |
| 6 | USAA | $741 |
| 7 | Cincinnati Insurance | $772 |
| 8 | Merchants Insurance Group | $778 |
| 9 | General Casualty | $805 |
| 10 | Motorists Mutual | $824 |
| 11 | Grange Mutual | $828 |
| 12 | State Farm | $858 |
| 13 | Central Mutual | $874 |
| 14 | Hastings Mutual | $884 |
| 15 | Atlantic States | $904 |
| 16 | Westfield | $918 |
| 17 | Western Reserve | $941 |
| 18 | Auto-Owners | $958 |
| 19 | Progressive | $962 |
| 20 | Nationwide | $988 |
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Utica National generally has some of the best car insurance rates in Columbus at around $635 a year. Erie, Allied, Frankenmuth, and Travelers also make the cut as some of the best Columbus, OH insurance companies.
In the above example, if you are currently insured with Erie and switched to Utica National, you could realize yearly savings of approximately $26. Drivers with Allied may save as much as $41 a year, and Frankenmuth policyholders might lower prices by $45 a year.
To find out how your current rates compare, click here or click through to the companies below.
Remember that these premium estimates are averages for all ages of drivers and types of vehicles and and are not calculated with an exact location for 4×4 vehicles. So the company that fits your age and vehicle best may not even be in the top 33 companies in the list above. That emphasizes why you need to quote rates from many companies using your own individual information.
Discounts on Columbus car insurance rates
Car insurance companies that offer quotes for 4×4 vehicles may also offer special discounts that can lower rates by as much as 25% or more if you meet eligibility requirements. Popular auto insurance companies and some of their more popular discounts are detailed below.
- Farm Bureau includes discounts for safe driver, good student, driver training, 55 and retired, renewal discount, youthful driver, and multi-policy.
- Liberty Mutual offers discounts for hybrid vehicle, new move discount, preferred payment discount, new graduate, new vehicle discount, safety features, and teen driver discount.
- State Farm policyholders can earn discounts including anti-theft, Steer Clear safe driver discount, multiple autos, student away at school, and Drive Safe & Save.
- Auto-Owners Insurance may include discounts for air bags, company car, safe vehicle, paperless, teen driver, student away at school, and good student.
- GEICO discounts include anti-theft, military active duty, emergency military deployment, driver training, and defensive driver.
- SAFECO has discounts for multi-car, teen safe driver, homeowner, accident prevention training, anti-lock brakes, and anti-theft.
The example below shows the difference between car insurance rates with and without policy discounts. The premiums are based on a male driver, a clean driving record, no at-fault accidents, Ohio state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with anti-theft, multiple vehicle, accident-free, defensive driving course, safe-driver, and homeowner discounts applied. When drivers qualify for the discounts, the average amount saved each year on auto insurance for 4×4 vehicles is 27% or $285.
Comparison of full coverage and liability-only policies
Paying a lower price for auto insurance is the goal of most people, and a great way to reduce the cost of insurance for 4×4 vehicles is to only buy liability insurance. The illustration below illustrates the comparison of insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Ohio. The price estimates are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are applied to the premium.
If we average the cost for ages 20 through 70, physical damage insurance costs $1,308 per year over liability only. That is a large expense and it proposes the question if full coverage is worth the money. There is no definitive rule for dropping physical damage insurance, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
Don’t stick with an overpriced policy
Columbus, OH auto insurance rates are determined by lots of factors which can significantly increase or decrease the policy price. Simply improving your credit, moving to a new city, or getting a couple of tickets can produce rate changes resulting in some rates now being cheaper than competitors.
Not only that, but insurers modify pricing multiple times each year in order to offset underwriting gains or losses. Heavy losses may cause rate hikes, while lower claims can cause lower-priced Columbus car insurance rates.
To illustrate this example, the data below shows the cheapest car insurance in Columbus, OH for a 45-year-old male driver with a clean driving record, no accidents, and good credit. Based on his personal profile, Utica National offers the most affordable car insurance rates in Columbus at $796 a year. This is $244 less than the average price paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers are also included in the top five cheapest Columbus, OH auto insurance companies.
The next chart shows rates after we give the driver from the first rate comparison some claims, a lower credit rating, and a stop sign violation. Because each company uses their own formula for determining rates in each state, analyzing rates could now result in a substantially altered list of affordable companies as shown below.
Cincinnati Insurance now has the lowest price on auto insurance in Columbus, OH with Merchants Insurance Group, Motorists Mutual, Grange Mutual, and General Casualty now rounding out the top five. This shows why it is crucial to shop around when trying to find the most affordable auto insurance quotes for 4×4 vehicles.
Auto insurance prices are made up of many factors and can increase or decrease at any time, so the cheapest rate when you bought your policy may now be one of the more expensive options.
How to find more affordable auto insurance for 4×4 vehicles
The list below details some of the better money-saving suggestions that can help Ohio drivers locate lower-cost auto insurance.
- Raise your deductibles
- Violations and traffic tickets increase rates
- Maintain a safe distance and avoid accidents
- Good credit scores may make rates cheaper
- Try to not file small claims
- Insure your home and auto with the same company
- Shop around for cheaper prices often
The last idea is very vital, as was pointed out in this write-up. Coverage rates change constantly, so drivers shouldn’t be resistant to change insurance companies if a lower-cost policy is available. Brand loyalty is not necessarily bad, but is isn’t recommended if that devotion results in you overpaying big bucks every year. In just a few minutes you could compare prices to find cheaper insurance for 4×4 vehicles in Columbus.
The agents listed below are willing to help you make a decision which insurance coverage will be best for you, as some drivers aren’t sure which coverage they need and prefer to get some guidance when comparing insurance rates for off-road vehicles. It can be time-consuming to find the cheapest auto insurance company, so using a licensed agent can give you comfort knowing your policy gives you adequate protection in case of an accident or claim.
To locate a Columbus insurance agent closest to you, click the button following the list or click here to compare rates now.
- Tri-Wood Insurance
1000 Georgesville Rd – Columbus, OH 43228 – (614) 276-7821 - IHT Insurance Agency Group LLC
655 Metro Pl S Suite 330 – Dublin, OH 43017 – (614) 761-2825 - Ansong Insurance Agency
5272 Cleveland Ave – Columbus, OH 43231 – (614) 259-3635